BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Demand for Deletion of Late Payments on Credit Report Dear Sir/Madam, I recently reviewed my credit report from Equifax and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the accounts in question, along with their respective account numbers : XXXX. [ XXXX XXXX XXXX ] - Account XXXX : XXXX XXXX. [ XXXX ] - Account Number : XXXX After a closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there has been a violation of my consumer rights. The law explicitly states : GENERAL : According to subsection ( c ), any consumer reporting agency may furnish a consumer report under certain circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I must inquire whether I provided written instructions for the inclusion of these late payments in my report. If not, it is essential to rectify this issue promptly. Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer report specifies : Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Because of this, I kindly request the removal of the aforementioned late payments from my consumer report as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely manner. Thank you for your assistance in ensuring the accuracy and compliance of my credit report with applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. 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 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 explanation
Consumer complaint received 2023-07-19
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: IN
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 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. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Upstart Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
This company Upstart inform me they sold a account under my name to another company. 

Its mean they sold all my private and or federal personal information like Names and last name, adresses, SSN #, birthday and or phone numers... 

Company like this sold all information of client to other companies...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
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 am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. According to the FCRA and Metro 2 compliance reporting standards information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Exeter Finance Corp.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to formally request the validation of a debt, which you have been attempting to collect from me. I am doing so in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), and ( FCRA ), 15 U.S. Code 1681b. I dispute the validity of this debt and require you to provide documentary evidence to substantiate your claim. Please ensure that this validation process is carried out in compliance with the FDCPA.

I demand that you provide the following information, one by one, in a clear and concise manner : 1. Documentation proving the original creditor 's name and contact information.

2. A complete account history, including details of all transactions.

3. Any written agreements or contracts related to this debt.

4. Proof of the alleged debt amount and how it was calculated.

5. Documentation showing that you are authorized to collect this debt.

In addition, I am specifically requesting the following items to further validate the legitimacy of this debt : A promissory note or any written instrument that outlines the terms and conditions of the alleged debt, signed by all relevant parties.

Proof that your agency holds a valid collateral interest in my property. Please provide documentation supporting this claim.

I must also emphasize that I have not given you authorization to report any account related to this debt on my credit report. If you proceed to report it, I believe you do not meet any of the permissible purposes outlined in 15 U.S. Code 1681b for accessing consumer reports. Thus, I insist that you cease any attempts to report this debt to the credit reporting agencies.

In your response to my previous communication, you alleged that I had sent fraudulent documents without providing any evidence to support your claim. I want to reiterate that these allegations are baseless, and you have not substantiated them in any way. It is essential to resolve this matter through factual evidence and adherence to legal procedures.

Please be advised that this letter serves as a notice of default. I have not received a satisfactory response to my previous inquiries, and your failure to validate the debt or provide verifiable information is a breach of my rights under the FDCPA.

Also to make it clear I am the only lienholder of the property. Now proof that you have a collateral interest for my property. A security has been sent to the trustee For presentation to the United States Treasury, for redemption or in exchange for securities of a new issue, in accordance with written instructions submitted by ( Transfer Agent )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: 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.

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 2020-05-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Account was disputed at the time as inaccurate. Removed in XXXX of 2019. Loan # XXXX Lender being XXXX XXXX. Account is in fact accurate and correct. This was a mistake by myself. The consumer XXXX XXXX XXXX XXXX. XXXX is now continuing to report this information as current, Equifax continues to suppress and block this correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received email notification that an account was opened by me with Bank of America. I immediately contacted Bank of America fraud and was given a phone number to reach out to during the investigation. All of the Bank of America numbers will not allow you to speak to someone unless you enter your online pin. I did not open the account, so how could I have this information? Now I have received a debit card not only from Bank of America but from Merrill Lynch also. Once again, trying to contact them is impossible.

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 2023-05-26
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CREDIT ACCEPTANCE CORPORATION
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Purchased a vehicle thru Credit Acceptance, Payments on the XXXX of the month, once i found this out I called them and told them I need payments on the XXXX of the month. They refused the change of date. I found out several months later that they were charging me late fees every month. Called and spoke again with them about the late fees and they told me to add in the late fee each month in which I did, after a few months they demanded the payments be made of the back fees plus keep my payments up. I told them I could not afford to send them XXXX dollars in late fees plus the monthly payments. They said turn the vehicle in and I did as they asked. Now my credit report states that I owe what I paid for the car after 2 years of payments. They are a preditor company, they would not work with me at all. All I expect is the truth in the 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 2023-03-16
Company: Fidelity National Information Services, Inc. (FNIS)
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 has come to attention that there are reports of fraudulent consumer reports being disseminated, containing invalid and incorrect information that violates an individual 's rights to privacy. Such reports may include sensitive and private information that has been inaccurately reported, misrepresented, or deliberately falsified, and which could potentially harm an individual 's reputation, financial standing, or other important aspects of their personal or professional life. 

This activity is in violation of various laws and codes that protect individuals ' rights to privacy, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the General Data Protection Regulation ( GDPR ). Under these laws, individuals have the right to access and dispute inaccurate or incomplete information in their consumer reports, and consumer reporting agencies have a legal obligation to ensure the accuracy and privacy of such information. 

Therefore, any dissemination of fraudulent consumer reports that contain invalid and incorrect information is considered a serious offense and may result in legal action, including civil and criminal penalties. It is important to report any such activity to the appropriate authorities and take steps to protect one 's rights to privacy and personal information.

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 2023-05-26
Company: EQUIFAX, 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:
I reviewed my credit report and I still see the disputed account in my file I already request verification and a fix to the disputed account. Therefore I am filing a follow-up complaint to ensure that the listed account is updated Please fix the listed account : XXXX  XXXX XXXX Balance : {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: VA
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:
unauthorized usage of my credit I see multiple inquiries being done without my consent and I'm not the one applying.

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 2023-03-20
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the presence of a paid and closed mortgage loan account on my consumer reports. As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( a ) ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report.

Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This includes my social security card, drivers license/ID, and license plate, which were used for the extension of credit.

By including the paid and closed mortgage loan account on my consumer reports, you are willfully noncompliant under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601.

Furthermore, the GrammLeachBliley Act 15 USC 6802 states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information without clearly and conspicuously disclosing to the consumer, in writing or in electronic form, that such information may be disclosed to such third party. Specifically, GLBA Section 6802 ( a ) requires that a financial institution may not disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of the Act. GLBA Section 6802 ( b ) ( 1 ) also requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless 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.

I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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 status incorrect

Complaint:
all account were paid off in full with all payments on time

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 2020-11-21
Company: ACRE MORTGAGE
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I decided after not reaching my mortgage commitment date ( XX/XX/2020 ) for the purchase of my new home to seek financing with another mortgage company ( XXXX XXXX XXXX ). I wrote a letter to cancel my mortgage and release my appraisal on XX/XX/XXXX and submitted this letter to Acre Mortgage and XXXX XXXX. They have blantently refused to honor my request and now have cause me to miss my settlement date of XX/XX/2020. My realtor ( XXXX XXXX ) has requested over and over for them to transfer my appraisals to no avail. XXXX XXXX has even contacted me trying to steer me back to Acre Mortgage. Please help Acre Mortgage is ruining my life and I may end up with no where to live If I dont get this resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation