BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or about XX/XX/2023 XXXX XXXX responded to my complaint stating when I allegedly entered into my car contract I fully accepted the terms and conditions of my information being shared. However in the initial contract between XXXX XXXX and XXXX XXXX XXXX no disclosure providing me with the option to opt out of my information being shared was provided, nor was a disclosure provided informing me that my information would be shared with a third party when this contract was executed. ( Please see attached contract ). According to 15 U.S.C 6802 the consumer shall be given a clear and conspicuous notice informing the consumer that they have the right to opt out, the consumer shall be given a chance to opt out and the consumer shall be given an explanation of how the consumer can exercise that nondisclosure option. However in response of my complaint XXXX XXXX provided a XXXX  XXXX page contract between XXXX and XXXX XXXX XXXX that did not contain a clear and conspicuous option for me to opt of sharing my information nor does this contract contain a section informing me of my information being shared and my limits to a company sharing my information. XXXX XXXX also attached a fraudulent privacy policy notice which intended to inform the consumer that they don't have the right to opt out of their information being shared, however pursuant to 15 U.S.C 6802 and the Gramm Leach Bliley Act they both clearly gives consumers the right to opt out of sharing information. Upon information and belief these statutes only can be enforced on state level as they have no cause of action in federal court but are very much applicable to doing everyday business with consumers/ customers. I demand that XXXX XXXX remove this account from the XXXX major credit reporting agencies XXXX, XXXX, Transunion, and XXXX within XXXX ( XXXX ) days from the date of receipt. If XXXX XXXX does not comply with my request I will be forced to seek legal assistance to clarify and remedy this matter. ( attached is XXXX XXXX response to my initial complaint, car contract, XXXX XXXX privacy policy ).

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 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched USAA 3 three FRAUD LETTERS XX/XX/XXXX transactions total {$810.00} creditcard end XXXX XX/XX/XXXX STATEMENT of. XXXX XX/XX/XXXX. {$810.00}. see attatched ID THEFT of Transactions beginning XXXX XXXX see attatched USAA INACURATE CREDIT REPORTING. Kindly note ( page 13 of 26 ) Account XXXX date opened XX/XX/XXXX PAST DUE Reported XX/XX/XXXX INCLUDED IN HISTORY FOR THIS ACCOUNT CLEARLY SHOWS ** ( page 14of 26 ) XXXX XX/XX/XXXX date last payment XX/XX/XXXX CIRCLED *** two years before it was on account?? Kindly Note I have found WHY USAA CREDITS OF XX/XX/XXXX, these letters not sent reguarding fraud of XX/XX/XXXX until XX/XX/XXXX, DISAPPEARED??? 
USAA CLOSED CARD XXXX ** NO STATEMENT EVEN PROVIDED WITH THIS CARD ENDING XXXX. NO INFO PROVIDED TO ME. The entire thing disappeared after I reported fraud XX/XX/XXXX, XXXX of {$470.00} USAA REFUSED ME STATEMENTS CARD ending XXXX. USAA REPORTS FRAUDULENT DEBT and Collects on ID THEFT see attatched XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are two student loans on my credit report that I never authorized to open and i never used them. I never went to college. The student loans reporting are XXXX XXXX XXXX XXXX. I tried speaking with the company and they told me I have to file an identity theft affidavit and submit that to them and the credit bureaus. They make it really hard and it's not fair.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inquiry date 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 2022-11-12
Company: EQUIFAX, INC.
State: FL
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/2022XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) Inquiry date XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: MI
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: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have been facing with the credit bureaus. I have written multiple letters to the credit bureaus stating that I have been a victim of identity theft and that there are fraudulent accounts on my credit report. However, despite my repeated attempts, the credit bureaus have taken no action to investigate the matter or to delete the fraudulent accounts from my credit report. 

I believe that this inaction by the credit bureaus is a clear violation of the Fair Credit Reporting Act ( FCRA ) laws. The FCRA requires that credit bureaus investigate any disputes raised by consumers regarding information on their credit reports, and that they must take steps to correct any errors or remove any inaccurate or fraudulent information from the report. 

Given that the credit bureaus have failed to comply with the FCRA laws and have not taken any action to remove the fraudulent accounts from my credit report, I am now turning to the Consumer Financial Protection Bureau for help. I urge the CFPB to take immediate action to ensure that the credit bureaus comply with the FCRA laws and delete the fraudulent accounts from my credit report.

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 2023-03-31
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received multiple letters : XX/XX/XXXX Regarding sale of XXXX XXXX Account ending in XXXX. Letter stated XXXX XXXX XXXX, XXXX sold account to Resurgent Acquisitions LLC on XX/XX/XXXX. 
Original Creditor : XXXX XXXX  Open date : XX/XX/XXXX Reselling Creditor : XXXX XXXX  Transfer date : XX/XX/XXXX Reselling Creditor : XXXX XXXX XXXX, XXXX Transfer date : XX/XX/XXXX Debt Buyer : Resurgent Acquisitions LLC Transfer Date : XX/XX/XXXX Another letter dated XX/XX/XXXX states, effective XX/XX/XXXX, LXXXX XXXX XXXX  has placed the account with Resurgent Capital Services L.P. for servicing. Amount owed is {$1000.00}. I have had a XXXX account years ago, but was unaware of any default in the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: EQUIFAX, INC.
State: NY
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:
The Fair Credit Reporting Act ( FCRA ) law grants credit bureaus 30 days to verify or delete a disputed item. At times, credit bureaus exceed that time and wont reply. If the credit bureaus doesnt respond within 30 days, theyre in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have a title loan with Title Max, actually its my third. My issue is that the terms of the loan have been changed. Initially it was my understanding that I had to be 3 months behind for them to repossess my car. Now they are saying I only have to be 1 day late on my payment. I make my payment each month. It may be late but it is paid each month. So how I am harassed and threatened with this almost daily is very upsetting to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I filed a dispute on with Equifax in regards to an inaccurate debt on my credit report by XXXX XXXX. The dispute number is # XXXX. I did this through the Equifax website. ( Picture will be include from their website. ) On XX/XX/XXXX, I emailed Equifax requesting a response, since I never heard from them. ( Letter will be included ) This letter included a statement sighting that the Federal Trade Commission requires a response in 30 days and I will file a complaint if no response is made. Still today XX/XX/2021, I have not received a response from Equifax. This is over 90 days. On their website, under my login, it still states under investigation for dispute # XXXX. 

Today, I called Equifax. I have tried to call in the past, but I either had insane hold times or was disconnected. Today, I had the unfortunate experience of actually talking to a customer service member and her supervisor XXXX for an hour and fifty minutes. I am sorry I did not get the first representative 's name. 

According to both the Equifax representatives, the dispute was solved on XX/XX/2021. I explained to both of them, I never received any response. I did not hear from them by phone, email or mail. Also, their own system still shows under investigation. XXXX said I know we have an issue with our website not updating. I told him, that they have to show me a response within 30 days. XXXX stated he will try to send me an email showing the investigation was completed on XX/XX/XXXX. I explained it does not matter, you did not tell me within 30 days. Equifax still shows under investigation on their website. We finally ended the conversation with XXXX informing me, he is unable to even send me an email now to show investigation results. " I keep getting an error message. '' XXXX  said it may take 72 hours, to resolve this issue and I can see Equifax 's investigation results. Again, I explained to him that the FTC requires a response within 30 days, and Equifax still can't show me this and it's been over 90 days. XXXX would not remove the items off my credit report. XXXX insisted there is nothing he can do. XXXX also said that they have been aware of the website not updating for some time. So even with this information, he would not remove the complaint even though the knows their website is not working. He did not have a reason on why they did not response to my email on XX/XX/2021. 

Any help you can offer to fix this investigation would help. This credit company has single handedly ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is specific to XXXX XXXX XXXXXXXX and Equifax but the scenario would apply to any bank and credit reporting agency. When my daughter started XXXX XXXX I added myself as an " Authorized User '' on my daughter 's credit card account ( per the XXXX XXXX XXXXXXXX representative, this was necessary for her to get a card in her name ). Unbeknownst to me, due to hardships, in XXXX XXXX  she missed 3 payments and the bank closed her account. The result of this action caused my credit score at Equifax to plummet from an approx XXXX score to XXXX. Consequently, I was declined on both a HELOC and a business loan. After investigation of the reasonings from the two different banks I had applied to, I discovered my declinations were a direct result of my " Authorized User '' status on her card. I reached out to XXXX XXXX XXXXXXXX regarding this and asked why I had not been contacted when the card went 1 month delinquent so I could intervene and save the account. They shared that as an " Authorized User '' I can be either positively or negatively impacted by the card activity but I would not be contacted to " save '' the account. 

My complaint is two-fold- ( a ) if an " authorized user '' ( not the owner or responsible party of the debt ) can be so significantly negatively impacted by an account in default, efforts should be made to alert them given the downside impacts to their credit as they may be able to intervene to correct the scenario. ( b ) Credit bureaus such as Equifax should grade the impact of closed accounts on well performing " Authorized Users '' differently than owners/responsible parties of the debt. At no point should an " Authorized User 's '' credit suffer so significantly that their otherwise pristine credit would tank. I implore CFPB to investigate and evaluate requiring ( through influence and pressure ) banks to notify, both up front when signing up and when a delinquency occurs, the Authorized Users of the status given the potential impact to their credit. I also request the CFPB to require ( again, through influence and pressure ) the credit reporting agencies to evaluate the impact of these type of delinquencies on Authorized Users ' credit differently given they have no ownership of the debt. At no point should an Authorized User who has no ownership of an outstanding debt be so significantly impacted by a delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 response to consumer: Closed with explanation