BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: 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 protected consumer rightist privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 S

ection 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer fo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 US C 1681c. ( a ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient calls my phone multiple times a day every day. If I block the number they then begin to call from another number calling everyday. I have been notified by my sister, mother and a guy I dated that they too have been contacted by Navient in regards to student loans. NONE of these ppl had anything to do with these loans. I am filing a complaint with EVERY agency I can find because these ppl WERE NOT authorized to illegally get phone numbers and call ppl associated with me violating my privacy. This business should be shut down due to its illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I lost my job in XX/XX/XXXX because of Covid 19, my employer lowered my pay rate and stopped my medical insurance and got a new job but this job doesn't pay me as much as the older one but I do get Medical insurance and in the future I will be making more money than my old job ... ... .I had a balloon payment on my 2nd mortgage and I tried to refinance with the lender Mr.Cooper but since I'm also going through a divorce I have to refinance on my own and I did not qualify for the refinance, my options that I did not know about were told to me by the lender a week ago, but now is too late because my balloon payment matured on XX/XX/XXXX and they say I missed the date to do a forbearance because of Covid 19, with a forbearance I could've more time to pay off more of my debt and also get another raise at my present job and now I'm been force to sell my American dream home... ..I don't think is fair that the lender withhold that information from me. 
I tried to refinance with other companies but I only got a lock rate that I can't use if I don't get a co-signer or if I have XXXX dollars in the bank by XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this capitalone XXXX card on XX/XX/2022, XX/XX/2022 in EXPERIAN has refused dispute or delete this account. I asked for XXXX and EXPERIAN to send a signed contract and I have not received anything!

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 2021-04-28
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see attached complaint under my current name, I'm using my old name since this is what you recognize. In addition to my repeating the same material to get you to respond to that complaint, I need you to update my name to my current and maiden name, XXXX XXXX. You were absolutely wrong to reject the last complaint, I had given you my address and social. I will be giving a full account number and social with this complaint. FYI your past XXXX XXXX XXXX XXXX IS XXXX XXXX XXXX XXXX In addition : I have used the Home Depot credit card for over 20 years in like all of my credit items I am never late for any cost due. I am a terrific client for them. It was XXXX XXXX and it was shown to me that on my XXXX credit report that I missed a payment on my credit report and I was surprised. In reality I never received the bill because I had moved during several months of which I never made a purchase and had left it a XXXX balance. I never needed to worry or consider the fact that I moved and had put on mail forwarding. Because of this, Home Depot said that they would not incur incur a late charge or a late notice on my credit report and Ive asked them to remove it and its not working out too well. They said theyd remove it at in store and on phone discussions. Out of good faith and the fact that they sent it to the wrong place and I never knew of the charge not being handled effectively, not even online because I dont have an online account, we all thought it was invalid and it shouldnt be on the report. But its still on there. AS AN UPDATE, you didn't even mail it to the right person, I changed my name years ago. It's no wonder mail forwarding didn't work and I got no notice of the charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2020-07-31
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I went to attach PNC bank to XXXX to see what subscriptions I have with XXXXXXXX and my bank has completely blocked me from seeing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
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 XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Account number XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Account number XXXX XXXX DEPT.OF SOC.SERV.-CHILD SU Account number XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
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 am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. It has over 30 days since the initial dispute submitted. Credit reporting failed to comply with Fair Credit Reporting Act. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Credit reporting failed to provide documentation used to verify the dispute. Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 
regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023. I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have attached letters for my new complaint to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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 is missing that should be on the report

Complaint:
I have written to chase about this and they have asked me to contact credit reporting agencies / bureaus directly. The information reported on my credit report for missed payments in the year 2020 for chase freedom card ending in XXXX was inaccurately reported. I enrolled into chase 's covid-19 protection plan with the understanding that the account will not be reported. However, upon communication with them, it seems like the account was reported for late payments. 

The state of california has issued legislation on consumer credit protection. This information can be found on their official website : https : //covid19.ca.gov/get-financial-help/. I have verified with the state that my credit score would be protected and remain unchanged.

Their website clearly states that credit scores would not be impacted due to the impact of Covid-19. I request you restore my credit score back to XXXX or XX/XX/2020, before the pandemic was declared.

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 2022-11-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-07
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 sent a letter on XX/XX/XXXX to remove these items : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The aforementioned items are unknown to me. you are required to remove/block any items or information not later than 4 business days after. Ive already included this in my previous Complaint # & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was denied a bank account around last year XXXX at Truist Bank. I sat, deposited {$100.00} in a checking account and {$400.00} in a Truist Savings account. I went home to set up my online banking and it keep saying ERROR. I went to Truist, and I was told my account would be closing and the money deposited ( {$500.00} ) will be mailed to me in a check. Again it has been over year and haven't received check in the mail. Also my checking account is being charged {$12.00} every month.

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 monetary relief
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
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:
I am a natural person. I am a living human being. I have rights under 15USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Santander Consumer USA 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:
I submitted a complaint to Chrysler Capital on XX/XX/XXXX. 
I followed up with a phone call on XX/XX/XXXX to attempt to speak to someone regarding late fees due to XXXX and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that Chrysler Capital does not have interest in addressing the XXXX late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. 
I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXX Police Detective. 
The account number is XXXX, XXXX XXXX XXXX. The account is current.

Company response to consumer: Closed with explanation