BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
There is an account on my credit profile from NAVY FEDERAL CREDIT UNION with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and NAVY FEDERAL CREDIT UNION would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( 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 a such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I have not received any debt validation notice from NAVY FEDERAL CREDIT UNION as they were lawfully required to provide to me, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that NAVY FEDERAL CREDIT UNION has sent a debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: VA
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:
From XX/XX/XXXX to the last letter on XX/XX/XXXX, I have sent several correspondence letters to Equifax to fix errors on my credit report. I have sent in dispute letters as well as a police report and FTC ID theft report and yet these accounts remained on my credit profile. XXXX  and XXXX   conducted their investigation and concluded with removing these items off of my credit profile because they did not belong to me.The next step is litigation after I have repeatedly given information and reports that were asked of me to get these fraudulent items and balances removed from my credit profile. Furthermore, no information is given from Equifax to debate the information I have sent them. This is not how the FCRA dictates these investigations to be completed. A thorough investigation must be conducted and all individuals or documents received from he furnisher should be given which caused the verification must be released to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Equifax is well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

Equifax has ignored my request to provide documents that they used to verify the disputed accounts which means that Equifax have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA, which required you to delete the items when I provided evidence of ID theft. I have repeatedly completed my job to rebut any fraudulent issues on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, Navy Federal Credit Union is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contact NFCU customer service directly on a recorded phone. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health XXXX XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) For the Following : Accounts NAVY FEDERAL CR UNION XXXX # XXXX XXXX Loan Loan Department XXXX XXXX XXXXXXXX XXXX VA XXXX Contact date : XX/XX/XXXX XXXX Limite : {$500.00} NEVER /LATE : Before Covid-19 ( XX/XX/XXXX ) NAVY FEDERAL CR UNION XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Date : XX/XX/XXXX Credit Limit XXXX {$500.00} NEVER /LATE : Before Covid 19 ( XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
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: 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 Balance : {$8900.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
All the Credit bureaus contacted me after a hard inquiry was pulled by JPMorgan Credit Card services. I already have an identity theft block on my social security number and still someone was able to apply for a credit card without my consent. My credit dropped XXXX points because of this inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.EDFINANCIAL XXXX {$2700.00} XXXX {$2700.00} XXXX   XXXX {$2000.00} XXXX XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$12000.00} XXXX XXXX {$1400.00} XXXX {$260.00} XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$5000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$5500.00} XXXX   XXXX {$4000.00} XXXX   XXXX {$5500.00}

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 2020-09-03
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:
XXXX XXXX XXXX XXXX XXXX.-XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX not mine XXXX, XXXX, XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX all not my inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and XXXX  and Experian keep putting late payments on my XXXX  XXXX account even after I have provided documention that I was never late I disputed these late payments over a numerous of times they will fix it then turn around and put it back on there

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 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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

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 2020-08-11
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/2020 I noticed I had no money on my eppicard XXXX  XXXX card I was advise. A employee from the bank that hold the XXXX  account from XXXX till around XXXX XXXX whom was taking XXXX XXXX etc ... and an company that doesn't exist by the name of XXXX  who was taking was XXXX + XXXX etc ... .numerous of times all payments were unauthorized eepicard card holds sent dispute out said I would have my money in 10dYs no in the dispute office never answer an I get charged XXXXforevety call I call a total of 7 times plus stat in the phone for 2 hrs everything them they would hang up now they sayn letter never received so I had to fax a written dispute still have got my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
provide me with the signed contract authorizing you to report your private personal information to a third party., you are in violation of 15 USC 1581 section 1666b as well, it states creditors ( financial institution in this case ) cant treat payments as late for any reason unless you notify me that Im about to be late 21 days BEFORE your my due date, which you havent done remove all lates now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Bread Financial Holdings, Inc.
State: IL
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 acct # XXXXXXXX XXXX XXXX  acct # XXXX XXXX XXXXXXXX acct # XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXXXXXX XXXX  acct # XXXX XXXXXXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX have ALL violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2020-08-11
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:
I FILED A COMPLIANT IN XXXX BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT HAVE NOT GOTTEN ANY HELP FROM THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2023, I've sent several letters to TransUnion LLC Consumer Dispute Center LLC about how they could report the following Bankruptcy XXXX XXXX case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA XXXX does not report to any third-party Credit Reporting agencies . I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX case number 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 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 REPEATEDLY TRIED WITH ALL THREE CREDIT REPORTING BUREAUS AND MY STUDENT LOAN SERVICER TO CORRECT INACCURATE PAYMENT INFORMATION THAT IS SHOWING ON MY CREDIT REPORTS, MULTIPLE TIMES TO NO AVAIL. ARE THESE COMPANIES OUT OF THE SCOPE OF THE LAW? REPORTED INFORMATION ON CONSUMER CREDIT REPORTS HAS TO BE 100 PERCENT ACCURATE AND TRUE. I HAVE DOCUMENTATION SHOWING MY STUDENT LOANS ACCOUNTS WERE IN FORBEARANCE DURING THE TIME THAT IS SHOWING LATE PAYMENTS. 

ON THE OTHER HAND THE GENERAL PAYMENT HISTORY INFORMATION THAT IS REPORTED IS NOT EVEN CORRECT OR ACCURATE INCLUDING THE ERRONEOUS LATE PAYMENT INFORMATION. THE PAYMENT HISTORY GOES FROM ONE MONTH BEING CURRENT TO THE NEXT MONTH BEING 90 DAYS LATE. HOW IS THAT POSSIBLE IF ALL INFORMATION IS SUPPOSED TO BE ACCURATE. NO ACCOUNT CAN GO FROM BEING CURRENT ONE MONTH AND THEN 90 DAYS LATE THE VERY NEXT MONTH. IT ALSO HAS MANY MONTHS THAT THEY DID NOT REPORT ANY INFORMATION, AGAIN HOW CAN THAT BE POSSIBLE? THAT DOES NOT MAKE ANY LOGICAL SENSE IN ANY FORM. I AM REQUESTING MY ACCOUNTS BE THOROUGHLY REVIEWED AND UPDATED WITH FULL PAYMENT HISTORY AND ALL LATE PAYMENTS BE REMOVED AS I WAS NEVER LATE ON THESE ACCOUNTS.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

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