BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents.

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 1681 c. ( a ) ( 5 ) 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 crime 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 a reasonable cause to believe that the information is in accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THIS IS NOT DUPLICATE********** I HAVE NOT BEEN ABLE TO REACH EQUIFAX CREDIT REPORT AGENCY. THEY HAVE SENT OVER THE SAME INFORAMTION NOT RESPONDING TO EACH INDIVIDUAL RESPONSE. I HAVE SUBMITTED A REQUEST FOR XXXX XXXX XXXX COLLECTIONS TAKING OVER XXXX XXXX XXXX  ACCOUNTS TO BE VALIDATED. THE COMPANY FAILED TO DO SO IN 30 DAYS WHICH IS MY RIGHT THROUGH FRCA AND EQUIFAX HAS FAILED TO REMOVED THE ACCOUNTS. I HAVE SEVERAL REQUESTS ONLINE THROUGH CFPB BUT NO RESPONSE FROM EQUIFAX OR XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
Subject : Identity Theft Dispute and Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to dispute inaccurate information that appears on my credit report. After reviewing my credit report, I have identified several errors that require immediate attention. I believe that my identity has been compromised, resulting in incorrect personal information and accounts being associated with my credit profile. 

XXXX. Name Discrepancies : On my credit report, I have noticed multiple instances where my name has been inaccurately listed as XXXX XXXX and XXXX XXXX. However, my correct legal name is [ XXXX XXXX XXXX ], and I have never used or authorized the use of the mentioned names. This discrepancy has led to confusion and potential damage to my credit history. 
XXXX. Inaccurate Information : In addition to the incorrect names, there are accounts listed on my credit report that I do not recognize. I have no affiliation with the following accounts : [ XXXX XXXX XXXX /XXXX  XXXX ] [ XXXX  XXXX XXXX XXXX ] I request that you immediately investigate these accounts and provide me with a detailed explanation of their origin and any associated transactions. 

XXXX. Identity Theft Concerns : The presence of these inaccuracies raises significant concerns about possible identity theft. I have always been vigilant about safeguarding my personal information, and I believe that unauthorized individuals may have gained access to my personal data. 

I kindly request that you take the following actions : a. Conduct a thorough investigation into the accounts mentioned above and verify their legitimacy. 
b. Remove any inaccurate and unauthorized information from my credit report, including the incorrect names and unfamiliar accounts. 
c. Provide me with a written statement of the investigations results and the actions taken to rectify the inaccuracies. 
d. Update my credit report to reflect my correct legal name and accurate account information. 

Please find enclosed copies of relevant identification documents, such as my drivers license and Social Security card, to verify my identity. I expect a prompt response within 30 days, as mandated by the Fair Credit Reporting Act. 

If you require any additional information from me during your investigation, please feel free to contact me at [ XXXX ] or via email at [ XXXX ]. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute with utmost care and urgency. 

Sincerely, [ 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 2016-04-14
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Navient is continually contacting my employer after multiple requests and certified letters to stop. XXXX XXXX from Navient was harassing another employee with my same first name until the other employee threated the police.so sent another letter certified and now they are calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
Pursuant to the provisions set forth in the Fair Credit Reporting Act, I wish to bring to your attention the violations committed by the following accounts, which have infringed upon my federally protected consumer rights to privacy and confidentiality as stated in 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681, Section 602 A, I maintain the right to privacy, which has been compromised in this situation. Furthermore, according to Section 604 A, Section 2 of the same statute, a consumer reporting agency is prohibited from furnishing any account without my explicit written instructions.

Additionally, in accordance with 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is explicitly stated that no consumer reporting agency is permitted to include certain types of information in a consumer report. This includes any adverse item of information, except for records of crime convictions that occurred more than seven years prior to the report. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish inaccurate information relating to a consumer to any consumer reporting agency, provided they are aware of the inaccuracy or have reasonable cause to believe so. 

I trust that you will address these violations promptly and take appropriate actions to rectify the situation. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
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:
I was Recently reviewing my credit report and noticed multiple fraudulent accounts and inquiries. below are fraudulent inquires on my report XXXX XXXX  Below are fraudulent collections or charge offs on my report 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 2023-08-13
Company: EQUIFAX, INC.
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:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 6TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHMENT!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Prosper Marketplace, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a Prosper Credit card online. I was approved and a card was sent to me. When I tried to activate the card, I was told the account was suspended due to a security issue. They did activate my card after verification but was told the back office would be calling me. I asked for a manager but never got one. No one ever called me back and I never got any explanation why my card wouldnt work. No correspondence either. I feel they took my personal information but never got the ability to use the card they approved me for. I am nervous as this seems very strange.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXXXXXX XXXX  is reporting and continuously reporting and validating disputes stating that a collection on my credit report from all credit bureaus for XXXX is valid. I did not come across this until reviewing my credit report to move out of my current apartment and fix my finances to buy a house with my XXXX XXXX XXXX XXXX in XX/XX/2022. I filed 2 Identity theft reports, ive sent physical mail letters to all credit bureaus and the creditor. The only response I got from the creditor is that they validated the dispute because of an email address and thats it, which makes no sense to me. The lady i spoke to requested for me to submit a police report but i submitted multiple identity theft reports and Ive put freezes on all my credit reports, ive done all the right things with nothing fixed. Multiple times the report will get deleted and then put back on later, now i have difficulty getting scores, requesting reports, it makes me look bad and get flagged because i have to keep disputing the same reporting continuously. After disputing that it has been deleted and put back on, i dont get any real answers. Ive requested a block and no action has been taken. This affects my debt, my debt to income, mortgage applications, and i am not responsible for this. As a consumer under the fair credit act it should not be this difficult for a young single mother of XXXX XXXX XXXX trying to get her finances in order and work on raising her credit. It is incredibly discouraging and i have given up disputing it multiple times but it is just 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 2021-05-15
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage on my property. The principal balance is approximately {$92000.00}. The original balance was approximately {$210000.00}. 

My mortgage was held by XXXX XXXX XXXX, originally XXXX. As of XXXX XX/XX/2021, XXXX changed the mortgage service provider to Loan Care. That is the start of the problem. I am a realtor and am accustomed to dealing with mortgages, etc. 

I had always paid XXXX via auto-pay from my XXXX XXXXXXXX XXXX account. Loan Care supplies NO option for an auto-pay form BOA. They provide ONLY their accessing my bank account 0 which I do not allow. Thus, they require a check. XXXX XXXX XXXX sent Loan Care  a check for {$1600.00} for the XXXX XXXX, XXXX XXXX and XXXX XXXX payments. The required amount is {$920.00} per month, but I pay additional principal each month. It took 8-9 telephone calls and nearly 7 weeks for Loan Care to post said payments. 
I changed the payment date at XXXX for the XXXX XXXX payment and on XXXX XXXX, XXXX sent out the {$1600.00} payment for XXXX XXXX. Today is XXXX XXXX XXXX 23 days later ), Loan Care says the XXXX is problematic but that is not their issue, it is mine and they claim NOT to have received the payment yet and will impose a $ XXXX late fee if not received by Monday. 
I have left 4 emails requesting them to call me - I have received NO calls. 
I do believe their business practices are inappropriate and while I understand the CFPB handles many more serious issues, this is important to me. XXXX verifies Loan Care is problematic but their customer service is the worst I have seen and I do believe that their goal is to make $ and not provide service. I believe their process is fraudulent and ask you to investigate this company and help me rectify this situation.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 do not consent to electronic communications. I request all responses be in writing through the USPS. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX and 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 2022-11-22
Company: C/C Financial
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 : Preferred Lease # XXXX balance {$5000.00} has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically XXXX and Equifax to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I DO NOT RECOGNIZE THE FOLLOWING INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. And also may be in violation of 15 U.S.C 1605. XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.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 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear CFPB, I opened the small business checking account as Sole proprietor under my SSN with Truist bank. Prior to the account opening, I have existing business checking accounts with the bank as following : XXXX under EIN, and Sole proprietor under another EIN. Each account is separated entity. 

I was denied for their promotion with the reason as : " The Business Employer Identification Number or Taxpayer Identification Number is linked to an existing Truist business checking account and is not eligible to participate in this promotion. '' I have not had a business account with Truist with the same Tax Identification Number or EIN before. Thus, this is very difficult for me to understand their denial reason. Per their term and condition for the promotion : " You must be a new Truist business checking client. To be considered a new business checking client, the business can not have an existing Truist business checking account or have closed a Truist business checking account within 180 days prior to the promotion start date ( on or after XX/XX/2022 ), with the same Taxpayer Identification Number ( TIN ), including but not limited to an Employer Identification Number ( EIN ). ''

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 2022-11-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS loan servicing has not reduced my principal amount owed, In fact has increased the principal balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation