BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-19
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:
XX/XX/XXXX To Whom It May Concern Re : Account # 's XXXX re : last 4 of SS # XXXX re : FTC report # XXXX Please be advised in my previous letters to you, dated XX/XX/XXXX, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. The accounts were opened thru fraud. I did not benefit from this fraud. I identified the person that I believe committed this crime against me, but XXXX XXXX did not try to pursue this person of interest, or even try to protect my creditworthiness from fraud. 

This identity theft affidavit, along with other identifying information was sent to XXXX XXXX, Equifax, and XXXX  on this date. XXXX XXXX, stated that they had performed an investigation on this matter, but failed to provide any discovery of information as to why they refused to follow Federal Law. 

Equifax and XXXX, refused and failed to block these accounts per the FCRA. Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Federal Law, was ignored by both XXXX XXXX and Equifax and XXXX. 

XXXX XXXXXXXX turned these accounts for collection over to the law firm XXXX XXXX XXXX. 
The law firm filed lawsuits against me for collection, and won default judgments for XXXX XXXX. 


XXXX XXXX is still sending credit report updates on these accounts to the credit bureaus on a monthly basis and the credit bureaus are updating these accounts. XXXX XXXX and Equifax are ruining my stellar credit rating, by posting this information. 

The law is very clear as to the civil liability and the remedy available to me if XXXX XXXX and Equifax fail to comply to Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. 

I appreciate your prompt attention to this matter. 

Sincere regards XXXX XXXX Enclosure : FTC Identity Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company I am having trouble with is chime banking. I ask them why my account was locked and they said a deposit received into my account was not supposed to be there so they closed my account on XX/XX/ for investigation. On XX/XX/XXXX, they made the decision to close my account and say I am not eligible for any funds on my account even after they did not tell me the load I received in my account. I showed them my bank statements and it shows proof of no deposit was made into my account from what I keep getting emails about, even after I showed all my documents of how I received my money in paystubs. I work I am employed this is strange for me to be in this predicament. I had no access to my funds since XX/XX/XXXX till this day of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-01
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 XXXX XXXX Acct # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill having hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " 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 non-monetary relief
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX is reporting to Experian that I made 5 late payments XXXX XXXX XXXX XXXX XXXX ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with XXXX and Experian with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact XXXX and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when XXXX bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own

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 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX  XXXX XXXX XXXX : {$5700.00}.

Company response to consumer: In progress
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: SC
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2023-02-24
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company has not payed my property taxes or my homeowners insurance for last quarter and there is plenty of money in escrow I have now got legal paper sent to me from state for unpaid taxes fined and late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I was made aware that my identity had been stolen and that the XXXX ARKANSAS payments had been being paid out to a debit card in my name since XX/XX/XXXX. I filed a police report put a fraud alert on my credit contacted the attorney generals office and contacted the US Bank Reliacard. The bank filed a dispute for the transactions that had taken place. I was asked to verify my identity. I submitted documents to verify my identity on XX/XX/XXXX. I reached out to the bank several times to no avail. I recieved a transaction dispute form in the mail on XX/XX/XXXX. I submitted the completed form along with a copy of the police report via fax on XX/XX/XXXX. I called The US bank on XX/XX/XXXX and was advised the investigation had concluded no fraud had taken place and my identity was still not verified. I disputed the decision which was made in less than 24 hours from the time i submitted documents and was told no credit would be recieved on my behalf. I have done everything asked of me to fight the identity theft and the bank carelessly made the decision without investigation. I have been told something different every time i have called and have not recieved any kind of help. The bank neglects to contact me within the time i am told they will. Nothing has been done in a timely manner. No form of help is being offered when i have complied with everything that has been asked of me.

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 monetary relief
Consumer complaint received 2023-02-24
Company: CORELOGIC INC
State: TX
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:
I have requested for the method of verification and proof on the accounts that were reflecting on my credit reports that were incorrect and erroneous but no proof and response provided.

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 2021-05-18
Company: Exeter Finance Corp.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 I mailed ( mail number XXXX ) an affidavit of truth stating facts, under the penalty of perjury, what consumer violations EXETER FINANCE committed. I also requested Debt Validation pursuant to 15 USC 1692g, an audit trail according to GAAP standards, a Cease and Desist letter pursuant to 15 USC 1692c, and exhibits that displayed only a few of the many EXETER FINANCE VIOLATIONS. I filed a CFPB complaint ( XXXX and XXXX ) and an FTC complaint ( XXXX ) in regard to this matter. I filed a complaint with the OCC ( Transaction ID : XXXX ) as well.The mail I sent to EXETER FINANCE was received on XX/XX/2021. EXETER FINANCE did not validate the alleged debt whatsoever. They still have not produced any documentation, contract or agreement that validates this alleged debt as of XX/XX/2021. They violated my Cease and Desist by not only calling me at unusual times and places, but also leaving me voicemails using profane and obscene language. My phone number is in the do not call registry. EXETER FINANCE mailed me postcards and billings to my personal address after receiving the cease and desist letter. and EXETER FINANCE further infringed upon my natural born consumer rights by still reporting to consumer reporting agencies in violation of the cease and desist and without validating this alleged debt. It has now been almost 60 days to which this company has been notified of their violations and instructed in my enforcement as the consumer and original creditor. They refused to provide paperwork for the rights to rescission as outlined in TRUTH IN LENDING ACT. There is no contract or agreement between myself and EXETER FINANCE. They stole my identity, committed fraud and are illegally billing me without my consent. They are in violation of 15 USC 1601 TRUTH IN LENDING ACT, 15 USC 1681 FAIR CREDIT REPORTING ACT and the 15 USC 1692 FAIR DEBT COLLECTION PRACTICES ACT. If EXETER FINANCE feels otherwise then they should have the President, owner or major shareholder swear under the penalty of perjury that what is true or untrue. It has been past 30 days without validation and the infringement of my rights continues to this day and is causing me great pain. EXETER FINANCE recently reported to the credit reporting agencies and defamed my character in direct violation of federal law. I have a right to privacy, fair, accurate reporting and fair debt collection practices. I demanded proof to this alleged debt, to which nothing has been provided. EXETER FINANCE is blatantly, and unequivocally, disregarding federal laws, being willfully non-compliant and being grossly negligent in many instances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NY
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:
I am compelled to bring to your attention the consistent disregard by the Credit Bureaus for my requests to remove fraudulent items from my credit file. Despite repeated appeals, they have chosen to ignore my communications in direct violation of the Fair Credit Reporting Act, 15 USC Section 1681i, within the legally prescribed timeframe. This deliberate and conscious disregard for federal statutes demonstrates a concerning lack of compliance. Their obstinate refusal to verify information, despite my extensive efforts to resolve the matter directly with the creditor, represents a clear display of willful negligence. The following items, outlined below, continue to be erroneously listed on my credit report, exacerbating the injustice and distress caused by the bureaus ' inexcusable conduct : -- EXPERIAN -- 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: In progress
Consumer complaint received 2022-03-01
Company: GOLDMAN SACHS BANK USA
State: OH
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:
I had an Apple credit card with Goldman and Sachs. I closed this credit card and paid it in full in XX/XX/2021. There have been fraudulent charges made on this card which I am unsure how as I closed this card over a year ago. It has been reported to the credit bureau that I have 5 missed late payments and this has greatly negatively affected my score. I need this resolved ASAP and there late/ missed payments removed from my credit report as the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit reports and noticed that XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are fraudulent inquiries, I never authorized.

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