BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX6 XXXX XXXX XXXXXXXX, NC XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A teen  account was open for my XXXX-year-old daughter with Capital One financial institution Bank XX/XX/XXXX. My daughter received on the many employment search sites a check that she was instructed to deposit. Naively she deposited this check. When some funds cleared she made the withdrawal of {$500.00}. The check was later deemed fraudulent by the bank and the account was closed. My daughter now understanding having had a conversation with myseld was instructed she would be responsible to repay the money. She worked part-time and was able to make a couple of deposits. Her job ended and school resumed. This summer of XX/XX/XXXX she secured a job as a XXXX XXXX XXXX. She made the remaining payments. XX/XX/XXXX she attempted contacting the security team to order another debit card and her account was declined. I want to know if she has been reported to the XXXX XXXX Banning her from opening account anywhere. Yes she made a mistake yes she was scammed like many others, more financially literate persons than a XXXX year old. This is not an attempt to minimize the severity of the offense but to understand the age bracket of the accused. She suffered the consequences with the removal of the account in the era of Technology a card is much of a requirement in order to function in daily life living style. She learns her lesson she made restitutin of {$200.00} in XX/XX/XXXX. She's aged XXXX should she be penalized to this severity for the infraction? 

XX/XX/XXXX deposits {$1100.00} and {$110.00} Outstanding was {$290.00}. 
No money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Great Lakes ( XXXX XXXX  ) transferred all consumers to nelnet ( XXXX  ) in XXXXThe last time XXXX  reported to XXXX  was XXXX, before said transfer. According to experian I owe XXXX in student loans because the XXXX XXXX  report are still reporting a balance as well and the new XXXX  loans are reporting a balance. I confirmed with XXXX XXXX  that my loan balance with them is XXXX yet XXXX  has been reporting a balance of XXXX from XXXX XXXX  it has been 4 months since the transfer and they have not updated with XXXX. I was unable to get a home equity line of credit because my XXXX  score was XXXX XXXX  to low. Undoubtly caused by the XXXX XXXX  misreporting my student loans. I am positive that I am not the only one whose credit report shows debit to XXXX XXXX  they dont actually owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRIAD FINANCIAL SERVICES, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was charged XXXX  of dollars to cover interest during the construction phase of the loan. This amount was included in my loan. However, I had to pay interest during he entire construction phase of the loan. Triad never credited me the interest that they rolled in to the mortgage. I tried reaching out and sent a document that outlines the charge as proof but I have not recieved any response or acknowledgement of the document or new issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX XXXX I submitted a dispute about some personal information regarding my credit score and potential fraud as there was a closed account in my name. I uploaded my passport, social security and ID letting them know that I am currently XXXX. The account was charged off by XXXX in XXXX. I however was born in XXXX so I cant possibly know who or what happened when i was only XXXX XXXX XXXX at the time. I even proceeded to write them a letter with additional information provided such as my address on a banking statement. However on XX/XX/XXXX my dispute stated that the charge of would remain because the information was correct when XXXX matched the information. Yet I dont see how that could be possible when I sent in all information proving that the information regarding my account as a whole was wrong it stated that my birth year was XXXX when i specifically sent in documents proving that I am XXXX. There is no way that a XXXX XXXX XXXX could have opened this account and I feel as though Experian didnt do enough for my situation. I am very disappointed because as a young adult I should be able to build my own credit not start off with poor credit based upon something I did not do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One is reporting to all 3 major credit reporting agencies. ie ; XXXX, XXXX and XXXX, that I owe a balance of {$670.00}. The debt was sold to XXXX XXXX XXXX. I resolved the debt with XXXX XXXX XXXX, however Capital One is still reporting a balance of {$670.00} when the balance reported should be {$0.00}. 

I have contacted Capital One several times. I have talked to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX since XX/XX/2023, all 3 promising a removal and a balance of {$0.00} and nothing has been done since then. Also all 3 people promised a call back and email response within 72 hours and none of them delivered on this promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



The following hard inquiries are Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have reached out to Discover multiple times for MONTHS now letting them know that this account was opened via identity theft and without my consent but Discover mails me back a thick packet of transactions and billing statements which does not solve the problem of the account being open and still on my credit with a balance over {$3000.00}. This has horribly impacted my life for almost a year now because I am unable to get anything that asks for my social security number because this has not been resolved due to negligence on Discover banks part. I would also like to add that they have broken MANY laws by avoiding the problem. Hopefully, this will now be resolved so that I can move on with my life! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a text message today from a company telling me I have debt and to follow a suspicious link on the text. It doesn't state what the debt is for or how much. I check my credit report and they reported me to collections for XXXX. I have no idea who this company is or what the debt is in reference to. I have not received any mail, emails, voicemails from them previously and this is the first time I am hearing from them now. the audacity to put a claim of collections on my credit report having not contacted me or provided me a statement about the debt incurred or even the bare minimum needed to confirm the debt is poor practice unless of course they scam folks. Again in a previous complaint I have checked my accounts I pay all my bills on time. The only known debt are 2 credit cards, a mortgage, and my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I sent a letter to IC Systems because I noticed a debt reporting to which I did not have any knowledge. I was denied the dunning period and the account was intentionally reported to my credit causing my score to drop drastically. My rights were violated because I was not notified of the alleged debt owed and when I tried to fix the issue, the debt was immediately transferred so that I could not even settle the debt, if that was even a possibility. 

Since I was not notified of the deletion, I checked a later report. I immediately contacted IC Systems XXXX, XXXX and XXXX by mail to make them all aware of the account being added without verification and the violations that occurred. At that time, on XX/XX/2022 I sent an invoice to be paid as a result of the violations and intentional and willful harm this unverified account caused me. I have included the tracking number for the documentation sent below on tracking USPS receipt. I was ignored again, same as before by senior management and the owner of the company. Below are a list of violations that occurred with IC System and still to this date, no true resolution has occurred as I was harmed intentionally and I do believe it was done so with malice and I am unable to get any communication from anyone. I do not believe they will communicate with me under any circumstances that are just between them and myself. 

Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. Transunion and Experian are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX at XXXX, Spoke with XXXX he stated I was 3 months behind. I previously applied for a 3 month deferment back in XXXX of XXXX. I was then told I was assessed fees and my deferrment was approved back in XXXX of XXXX. I waited to be called back by a supervisor named XXXX. On XX/XX/XXXX I spoke with XXXX who advised my late fee of XXXX, then XXXX, then XXXX is what caused the late payment credit report. I asked why did no one call me, or send something in the mail if there was a past due balance? XXXX stated his company is not obligated to call anyone and if they do it is as a courtesy and I should read my contract. I asked why is there an account solutions department that extends this courtesy to other customers but not me when I expressed I was experiencing a financial hardship? XXXX again referred me to my contract. 

I am disputing the credit report for {$29.00} based on that XXXX never advised me of a past due balance, although they do for other consumers with past due balance, this is not Fair Treatment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation