BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: AZ
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX XXXX Account Number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 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 2022-02-17
Company: CL Holdings LLC
State: RI
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 reached out to XXXX numerous times however these fraudulent accounts are still inaccurately reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly ask Navient to stop calling me because I do not owe this debt and am currently filing litigation. They continue to call me 2-3 times a day everyday even after sending this to collections. They have also called my Mother, sister, son, and former employer. In all of those instances they have stated they are calling for XXXX XXXX in regards to a debt. I know for a fact they are not allowed to mention a debt. They have also left messages with my mother asking her to call them back, and called her more than once. I also know this is illegal. Something needs to be done. They continue to harass me several times a day. I emailed them and told them to not call and they continue. I told them I have obtained a lawyer and it will be settled in court, yet they continue to call. The last woman called today XX/XX/24 and told me I was a liar and do not have a lawyer because I refused to give her information. I should not have to be called a liar on my own phone. I am following my lawyer 's advice and she tried to convince me I needed to do what she said. She basically told me I shouldn't listen to my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
We filed XXXX XXXX bankruptcy on XX/XX/2022. We notified Equifax of a XXXX account currently showing open that should be reporting as closed, XXXX balance and included in the chapter. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hard inquiries on my credit report that should not be on there are : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my credit score. I did not apply for a car loan at those places mentioned above for i am not employed and have not been employed. The incorrect information on my credit report has my credit score below where it suppose to be.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: NJ
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 XXXX 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 2022-02-16
Company: Block, Inc.
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an old account and I would like to close that account and get whatever is left on there. I tried the support center but they couldn't help me. I would like to keep my current account but close and get any money I may have left on there. I know it's {$200.00} on there for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-04-24
Company: EQUIFAX, INC.
State: CA
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 am filing this complaint to Equifax I sent them communication letters regarding the errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX) XXXX Balance : {$400.00} ; XXXX XX/XX/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 explanation
Consumer complaint received 2023-01-13
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had an ongoing struggle with American Express refusing to stop sending my mail to my grandmother 's address in Georgia. Previously, I filed a complaint here to which they responded that they had the right to contact me at any address that I had provided them with or that they reasonably believe I can be contacted at. After this, the case was closed as I had no way I could counter them. However, it has now been a year, and I have changed the address on my account and instructed them not to send any mail to my grandmother 's address as it is not associated with me, they can not contact me that way -- I am not even in the state -- and they do not have my or her permission to send mail to that address. That previous complaint was closed in XXXX of last year, XXXX. It is now XXXX of XXXX and they are still sending mail to my grandmother 's address in Georgia, while I am in Maine. I have contacted the collections agency in charge of my account and verified with them that my address is correctly stated on my account as my current Maine address. I also explained to them the problem, and they told me that there is no reason why American Express should be sending any mail to my grandmother 's address. 

I have looked through the statement that American Express included with the last complaint, as well as my contract with them. I can not find anywhere that states that they should be allowed to continue sending mail to an address not affiliated with me after I have made several attempts to change it. Moreover, the fact that the collections agency agreed that my address was stated correctly AND that they did not see any reason why American Express should be sending any mail regarding my account to an address that is not mine and not on my account is highly disturbing. American Express has continued to be aggressive, dismissive, and rude. They may have been able to use the contract to push the blame onto me last time, but I fully believe that this time they can not do so, as I have learned from our last interaction and have done my reading this time, using the last complaint 's correspondences to understand the situation and what my rights are. I will not stop fighting this until they stop sending my mail to an address that they have no right to be using. I have repeatedly told them that that address is not affiliated with me and can not be used as a way to contact me, I have updated the address on my account, and have discussed this with the collections agency and confirmed that there is no reason why American Express should be sending mail to that address. They MUST cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Florida HAF said a payment of XXXX was sent to Loancare in beginning of XX/XX/XXXX2022. Has not been posted by Loancare. I called Loancare on XX/XX/XXXX22 and they say they haven't received it yet. Please help.

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 2022-02-15
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SCA collections has been attempting to collect a debt I do not owe. The number of accounts that they claim I owe have been decreasing over time. I have been successful in removing some accounts.

As they have claimed in past disputes 'I have 6 accounts. ' That is incorrect. I have a credit report from last year showing 7 accounts. and my most recent report shows 4. This is becoming very time consuming and I want to cut all ties with this company I never chose to do business with.

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 2022-02-16
Company: EQUIFAX, INC.
State: CA
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:
There are fraudulent inquiries on my credit that needs to be deleted asap. I did NOT authorize nor authorize anyone to submit inquiries on my behalf. I am a previous victim of ID fraud years ago and I am worried about the same situation happening again. I never applied or signed any application. Please delete all of the following : - XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; Equifax - XXXX : XX/XX/XXXX ; Equifax - XXXX : XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have 2 other complaints that have not been worked on... bank of america is not fixing the issue correctly... I AM HOMELESS AND IT IS WINTER TIME. IM VERY COLD.. PLEASE RETURN MY FUNDS... 

Back in XXXX of XXXX my truck was broken into and my gov I.D Social Security card, Birth cirtificate, debit card, plus clothing, medications ect, was stolen.. i was homeless at the time and still am today. So many bad things were already going on in my life that filing for identity theft wasnt gon na help, who ever stole my debit card kept it and took total of XXXX out of my account in XX/XX/XXXX of XXXX ... whoever broke into my car knew i had a pending claim previously awaiting to be credited, they had ALL MY INFO and there was nothing i could do ... when i call to do a check up on my claim from XXXX they say it was credited, but i saw no fund .... thats when i reported the crime to bank of america in XX/XX/XXXX in a timely matter. I was unaware of the funds being tampered with i then proceeded to filing to for indentity theft because i didnt want anything else being messed with .... it is now XX/XX/XXXX and i have been fighting every day too get my claim resolved properly... i gave police reports, sheriffs contact info.. written statements and bank of america has been unprofessional and lack the care too help me resolve my issue... bank of america is treating me as a criminal. I filed a claim with CFPB back in XX/XX/XXXX, bank of america has not given a final response. My issue is not being handled .... i feel discriminated against. Bank of america fix this issue and return my funds.

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 2022-12-20
Company: EQUIFAX, 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 status incorrect

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Affirm 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: Investigation took more than 30 days

Complaint:
I contacted the company on XX/XX/XXXX via phone and email about a 3 fraudulent personal loans taken out in my name. I submitted documentation regarding account numbers, dates the accounts were opened as well as a identify theft report filed to the FTC. The documents were emailed on XX/XX/XXXX and mailed the following business day. I called XX/XX/XXXX and the investigation is still pending with no additional information to provide. I also requested additional documentation about the fraud activity, not being liable for the account and any documentation from the individual who requested the loans so that I can pursue criminals charges. Each time I call I am not given any additional information ; only that the investigation is private and it has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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:
Hello, My name is XXXX XXXX XXXX. I have a problem with my credit report credit bureau showed a report with the wrong name and phone number and the wrong address also there is a XXXX credit card account that is not mine but they showing on my credit report. I don't know what to do this makes me really bad with my credit. it's going to be really bad cause they showing me the wrong information on my credit report. please help me I don't know what to do. please help me. I feel very sad and bad. why someone's credit is on my report? Please help me to remove it. please help me. Please fix this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Incorrect amount being reported to credit bureaus for vehicle loan repayment.

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