BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
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:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX CT XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2022-06-20
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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly asked to have removed A- item for {$200.00} that's over 7 years old from XXXX XXXXXXXX bank that was purchased by a debt recovery company called portfolio recovery it was removed by the credit reporting agency XXXX but it still remains and is retained on Equifax so I'm trying to get it removed repeatedly and they just keep updating it but don't remove is it shown as an old account but a negative account and it is on a ring my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a letter from suntrust saying my loan is in default as of XXXX XXXX which is absolutely NOT true. The grace period allows me to pay up until the XXXX of the month WITHOUT penalty and I have proof the my mortgage was paid on XXXX XXXX less the ridiculous {$82.00} late fee that they 've been charging me since XXXX XXXX and I refuse to pay ) for their repeated errors. This is completely unacceptable and needs to be resolved immediately. Even when I pay, they still manage to XXXX it up! That have absolutely no business being responsible for other people 's money.

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 2023-06-22
Company: EQUIFAX, INC.
State: LA
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 ) fraudulently obtained a contract from me. My husband and I attended a seminar with XXXX about the purchase of a Timeshare. After the presentation I told the salesman that I was not interested in purchasing a timeshare. My husband on the other hand stated he did want to purchase the timeshare. My salesman stated that the contact would be in my husband name only. He stated I had to sign the contract because we were married. This timeshare was never on my credit when the payments were being made, and now since my husband wants out of the timeshare they are now reporting this information to the credit bureau. I did not authorize this contract. The company fabricated the things that you could actually do with a Timeshare. This company has been reported multiple times to the XXXX XXXX XXXX  for some of the same reason. I have reached out to this company multiple times to try to resolve this matter. Their response is only to pay thousands of dollars to them and even then I will still be in a contract that I did not consent to. I have attached a copy of my FTC report, proof of identity, proof of address and a dispute letter. Thanks for helping with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: IL
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 have sent certified notices making self Lender aware that they are violating my " Consumer Rights '' under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give XXXX XXXX written instruction to furnish any accounts on my consumer reports. 

Under XXXX XXXX, XXXX. Terms of Service ( Credit Reporting Services ), it states : " You understand that by accepting these Terms and Conditions you are providing written instructions to our third-party service provider, XXXX XXXX XXXX and its employees, agents, subsidiaries, affiliates, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), as amended, including XXXX, XXXX, Equifax and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. 

I gave self lender permission to access my consumer reports in order to verify my identity and to provide the Services to me as per their Terms of Service! 

Furthermore, 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information, The language of the law states : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At the time this Self Lender credit account was opened, I was never given a nondisclosure notice explaining how to exercise my rights according to the above law to OPT OUT of having this account reported to the Consumer Reporting Agencies. 

Self Lender has caused me finical damages due to their negligence of not following the law and refusal to DELETE the following accounts ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX ) & XXXX XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX ) from my Consumer Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
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
Consumer complaint received 2019-01-26
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I have noticed being unable to be identified by credit reporting agencies ( resulting in an inability for even XXXX to locate my file ). After calling XXXX XXXX from a company card, I found out that my previous business partner was using my identity to leverage a business card using my name and information. 

His name is XXXX XXXX. 

The billing address for the card was his address at XXXX XXXX XXXX XXXX, XXXX XXXX California. XXXX ( I believe ). 


I also noticed after experian finally accepted my identity that there were tons of errors etc. Accounts that are not mine and inquiries I haven't authorized. 

This has destroyed my creditworthiness and now my business which I started in XX/XX/2018. 

I would like to have this resolved.

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 2023-06-22
Company: EQUIFAX, INC.
State: KY
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 received a notice from XXXX about an collection being added to my credit report. 
After lookin into the account I called the company and the companies rep could not find the account that was placed on my file to match my ssn. 

Company reporting the false account : XXXX XXXX CO XXXX Representative I spoke with " XXXX '' Reps direct phone number at XXXX XXXX XXXX This is not my account, please delete as my rights are being violated under the credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Good Evening this is a continued problem that XXXXXXXX XXXX and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached

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 2022-04-20
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from United Collection Bureau IncXXXX on XX/XX/2022 that I owe before mentioned company {$4100.00}. On XX/XX/2022 I have sent certified mail to United Collection Bureau Inc. to validate debt to be provided with competent evidence that I have any legal obligation to pay and requested following documents to be mailed to me : -agreement that grants collection agency authority to collect alleged debt. 
-agreement that bears signature of alleged debtor where I have agreed to pay creditor -any insurance claims made by any creditor -any judgements obtained by any creditor -name on file of alleged debtor -name and address of alleged creditor -alleged account number -amount of alleged debt -address on file for alleged debtor -date this alleged debt became payable -date of original charge off or delinquency -verification that this debt was assigned or sold to collector -complete accounting of alleged debt -commission for debt collector if collection efforts are successful. 

As of today XX/XX/2022 I have not received any requested documentation from United Collection Bureau Inc. Above mentioned collection company failed to validate debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. Since they did not, theyre in violation of the act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain XXXX due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-04-20
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 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 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 obtain a copy of my credit report without my written instructions

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 2022-04-19
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Call from XXXX mention that I have problem with the XXXX  system in XXXX XXXX ... XXXX-2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text message stating that my bank card was attempted to be used at a XXXX in California however I live in XXXX, XXXX  Once I responded no to the text I received a phone call from a number appearing exactly like Citibank stating that my account was attempted to be used. The person stated that they will be sending me a new card in the mail or asked if I wanted to block my card. They stated they would send me a verification code to go on the account. Then I started receiving text messages that money was being XXXX  out of my account when I logged in I saw that money was also being wired out of my account at the same time. Once the person which I assume was the scammer hung up I called Citbank and attempted to make then aware of the situation and they stated that I needed to go in person to a bank location to file the report. They didn't assist me immediately. The next day I attempted to go to the police prescient to file a report and they indicated that there was no need to file a report that the bank would investigate the situation. I then went to Citibank to open up a new bank account and attempt to file a fraud report regarding the scam that had occurred. They informed me that I needed to call the fraud prevention line to file the report. I called and filed the report. One week later was told that the funds were no longer in the account and there was nothing else they could do. Citibank then referred me to the Citi Executive Response Unit for further investigate the matter. After a month of them reviewing the case they stated that there was no money left in the account where the money was wired to and that there was nothing further that could be done. The a representative opened another case with the response unit for further and the outcome was the same that there was no money left in the other account and because the matter was scam the bank is unable to refund me the funds. The incident initially happened on XX/XX/2021 at XXXX. The phone number they called me from initially was XXXX. The money was wired out of my account by the scammer into a XXXX XXXX Bank account ending in XXXX under the name of XXXX XXXX. I do not have any knowledge of who that individual is. The XXXX  payments were sent to a XXXX XXXX. I was able to have Citibank refund the XXXX payments but they are refusing to refund the wire transfers the scammer initiated from my account to theirs. I was not the one that sent the money to the scammers. I would like to have the money that has been stolen out of my account by the scammer refunded to 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 explanation
Consumer complaint received 2022-12-28
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2022-12-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a chase debit card in the mail and I do not have a chase bank account. Someone opened an account in my name. I also pulled my credit reports and their showed soft inquiries by J.P. Morgan and chase company.

Company response to consumer: Closed with explanation