BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NV
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:
Equifax has left my report unfroze for 30 days after request to only unfreeze for 24hours. They have also reverted back to my old address of home I sold 2 years ago. This has caused problems for me. They claim I can not get a credit report sent to address used to verify me upon calling them, because THEY show me at old address ... .UNLESS I agree to sign up for their {$9.00} a month membership. So even though Social security and ID and me show new address, and they have sent report to new adress before ( within last year ) They can only send my report now to old address! ( Unless I agree to membership! ) ( **I will NEVER pay a bank to find their own accounting error nor pay a credit bureau to fix misinformation they created and can not show was NOT their mistake or where info came from or why it has been changed and I was not notified. 
I notified them of error and they want me to pay for notifications to fix!?? ) Where my Identity was stolen buy neighbor 2 doors down who resently was release from prison and cost me {$310000.00}. Along with mental heath. I have had to fight medicare for enrolling me in 2 states and adding penalties for not being covered because of this and have now been getting notifications of SSDI payments being handled and recieved by XXXX ( a spoof ) along with lenders and credit card offers in excess of 12 spams a day. But was I told how to prove my ID To fix problem? No! I was told I had to join their service to fix their misinformation or wait at least 30 days for a credit report to check other possible risks or damages caused by their unapproved advertising of my info and unapproved choice of going back to old address. That sounds like blackmail to me! Give them {$9.00} a month or they will mail my info to wrong address so it can be stolen again!?! Or wait 30 days and allow breeches time to bloom and take my chances for being cheap!? I am not hard to identify. For reasons I will leave off this for privacy. So I feel this is a deliberate act from Equifax to profit from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: DISCOVER BANK
State: CA
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 closed this discover account in XXXX XXXX XXXX and there was heavy fraud on the account and to find out the card was being used since and now has a high balance of {$11000.00}. And they're trying to make me responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My name is 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 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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2023-02-08
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX XXXX.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 XXXX by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 XXXX money orders were brought to the BOA branch on XXXX XXXX XXXX in XXXX, NH. The bank teller deposited all three money orders but the teller separated them incorrectly and ripped XXXX of the money orders incorrectly. They kept XXXX of the money order and the actual money order receipt. They gave back XXXX of the money order receipts but also gave back a third of the money order. I had to do hours of research to figure out what occurred but since the teller made the mistake they have been unable to resolve it for me. They have taken {$500.00} out of my account due to their tellers mistake. They have shared that I need to wait till I get a letter with a picture of what they accepted to then attempt to resolve the situation. They have made no attempts to compensate or resolve the mistake their teller made.

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 2022-08-18
Company: EQUIFAX, INC.
State: CO
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 submitted 2 CFPB reports against Equifax Credit bureau and they responded and closed 1. Part of their response is as follows " XXXX : XXXX. XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU ''. The problem with is this was done through identity theft. 15 USC 1681 B states these agencies can only report " In accordance with the written instructions of the consumer to whom it relates '' I GAVE NO SUCH INSTRUCTION. I DID NOT SHARE MY INFORMATION WITH XXXX XXXX XXXX. THEY OBTAINED THIS INFORMATION THROUGH IDENTITY THEFT. ANY COMPANIES VIOLATED THE PRIVACY ACT OF 1974 BY SHARING MY INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER WITH SAID COMPANIES. 15 USC 1681c2 - Block of information resulting from identity theft states they must remove it in 4 days. PLEASE MAKE SURE TO REVIEW ALL LAWS. THE NEXT ACTION WILL BE IN THE COURT ROOM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Y'all have stolen from me. All my medical debt was covered by insurance, uet these charges are obviously more than simple insurance adjustments. You are purposely ruining my credit, not to XXXX the call to XXXX where they stated they couldn't find remarks I was looking at on my report. You are thieves!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: PNC Bank N.A.
State: TN
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: Problem with personal statement of dispute

Complaint:
This in response to a previous dispute response from PNC. I spoke with XXXX XXXX, XXXX XXXX Relations. PNC XXXX XXXX XXXX. For starters, she specified per their policy starting in XXXX, states that they dont report to credit bureaus if a bankruptcy is on file. She also stated not all their calls are recorded but their reps specify when you call that all their calls are recorded when you talk to PNC reps on the phone. Per my rights, and to recap ; PNC was reporting on my credit until XX/XX/XXXX. PNC appeared on my credit starting XX/XX/XXXX when they bought out BBVA. Under my rights, I still was not notified that PNC would stop reporting to the credit bureaus due to my bankruptcy. I never received a disclosure for this policy and due to the error on PNCs end and lack of documentation provided to me, this hindered my credit score. I was told via phone call from the credit bureau representative from your credit bureau investigation department that all they would need was the reaffirmation letter to start reporting back to my credit. I demand this phone call be reviewed and acknowledged as I was told all calls are recorded anytime I call PNC. I demand that call to be reviewed because I was provided this information from these reps. Overall, I was never informed that PNC was not going to continue reporting and caused my credit score to take a hit which resulted in a hardship for my livelihood. I need know where and when this disclosure was provided to me that PNC would not report to the credit bureaus because of the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender was provided the loan modification package for review XX/XX/XXXX - from XX/XX/XXXX to XX/XX/XXXX they were requesting docs to have a complete package - I was advised on XX/XX/XXXX the file was complete and would be sent for review. I received a call from the lender 3 times in XXXX and 3 times in XXXX advising the file was complete and under review and nothing was being requested for the review. On XX/XX/XXXX I requested the file be escalated to a manager for the review to be completed since it has not been at that point. We called for an update today on the review and again was advised that it is still with underwriting and a decision has yet to be made. The lender is in violation of RESPA which states a lender has 30 days to review a file once it is deemed complete for an underwriter to review it and make a decision on.

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 2022-06-15
Company: EQUIFAX, INC.
State: GA
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 have notified XXXX, Equifax and XXXX about an account that is deemed ( fraudulent, inaccurate and or unverified ). The account ( XXXX XXXX ) was initially removed from all three bureaus however XXXX and Equifax have reposted the account to my reports. I have submitted all of the necessary documents to have the account removed. XXXX and Equifax are continuing to report an account that is not legally verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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 XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Diverse Funding Associates LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
This complaint is due to the Consumer Credit Transaction with t
his companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my credit report when I paid cash for an item. My credit report stated that it will be removed on XX/XX/XXXX. On XX/XX/XXXX my score was increased at the Other agencies by 20 points. However Experian reported false information and instead of increasing my score by 24 points they decreased it by 24 points. This credit check attached is proof of what they did. This was my score as of XX/XX/2021 XXXX. My account shows no open accounts or inquiries made within those 30 days so my score should have increased instead they stole 24 points when they should have increase it by 24 points as the other 2 agencies did. Suddenly my score was decreased to XXXX for no reason. My score was supposed to go up another 24 points as it did at the other two agencies. Experian reported false information on my 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: MO
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 to 3 Credit Bureaus but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unifin continues to contact and harass me about a debt that is not mine whatsoever, and is well past the statute of limitations ANYWAYS. This is ridiculous and one would expect a company like this to know the laws at the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Federal Trade Commission XXXXXXXX XXXX XXXXXXXX XXXX. 
Washington, D.C. XXXX To whom it may concern : I recently received my XXXX credit report which delineated an account that was unverifiable in XXXX, when I first disputed it ; however, the item was re-reported in XXXX, by National Credit Adjusters, XXXX XXXX XXXX XXXX XXXX, KS XXXX : the item reported by NCA to XXXX is a {$300.00} collection account called Speedy Cash. I was made aware of the reporting of NCA, XX/XX/XXXX, when I requested my credit reports from the 3 CRAs. NCA has never attempted to contact me. 
NCA, ( National Credit Adjusters ), has reported the account, which is also found on my XXXX and XXXX XXXX reports, as a Closed account, Retail, in CRA terminology, at XXXX. 

XXXX claims a Date Loss reported of XX/XX/XXXX, and XXXX XXXX reports the Date of loss as XX/XX/XXXX. NCAs reporting of the item, XXXX XXXX {$300.00}, violates the statute of limitations for reporting derogatory accounts : NCA is reporting a seven year old negative item, for 17 years at XXXX, by classifying it as Closed. 
The same item is being reported differently at all CRAs, by NCA. However, it appears that NCA is a reporting, not collection agency, for they have not, to this date, billed me in any manner. 

NCA maliciously placed this item, XXXX XXXX, in the Closed status at XXXX, so as to violate this consumer, and report the unverifiable XXXX XXXX, for 17 years. 
Further, NCA violated FDCPA XXXX, when I telephoned them @ XXXX, on XX/XX/XXXX, @ XXXXXXXX XXXX, PST, and spoke with NCAs representative XXXX XXXX I asked her to send proof of the debt, the original creditors address, and phone number for the creditor ; she, ( XXXX ) , hasnt responded in 15 days by mail or otherwise ; I believe she has 5 days to respond to a consumer, according to the FDCPA. XXXX has ignored the request, and therefore has no valid debt to report, or to collect. 

In conclusion, this complaint is asking that the FTC fine, for punitive damages, in the amount of {$1000.00} per violation, verified, delineated and described, above, from NCA for misreporting to the CRA ( 3 violations ), and violating the FDCPA ( 2 ), or a total fine of {$5000.00}. 

Sincerely yours, XXXX XXXX, XXXX. 
Enclosed : ID Verification, SS card, Bank Statetment, Voter ID, Drivers License

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I was trying to short sale my house a number of years ago and i was told by the mortgage company to stop making my payments every month since we were short selling it and it would not effect my credit. Now that I am trying to buy a house i see that it shows 3 months of late payments from back in 2015 when i was short selling the property. This is effecting my score and it should not be there as i was told they would not report me late. Please assist me in trying to get these removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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:
XXXX XXXX XXXX XX/XX/XXXX {$8500.00} SENT DISPUT LETTER XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX SENT DISPUTE LETTER

Company response to consumer: Closed with explanation