BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
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:
This information that I show here shows negative information that is greatly affecting me. This information does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
As of : Today XXXX XXXX XXXX XXXX In assurance with the fair credit act convergent account XXXX has violated my rights. 

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

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructio

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 2023-10-23
Company: CADENCE BANK
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX transitioned to Cadence Bank in XX/XX/XXXX, our account was opened with XXXX in XX/XX/XXXX. The first issue we experienced was in XX/XX/XXXX with money missing from our account. It was not shown in our statements, but the money was missing. Then, they canceled a payment for our XXXX XXXX. This led to our car payment not only being reported late, but a repossession as well. We then closed our account and switched banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Today, I am writing this complaint to TRANSUNION regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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.

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 2023-09-05
Company: EQUIFAX, INC.
State: NC
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:
I have submitted this information in the past and attempting again due to claims of not finding my consumer report and to do so as a good faith attempt. In Addition to the federal violations, you are also violating state laws as a result of violating my right to privacy as it relates to my consumer credit reports ; North Carolina General Statutes Section 14113.20 : Focuses on obtaining, possessing, transferring, or using someone's personal identifying information with the intent to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
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: Information belongs to someone else

Complaint:
On XX/XX/2018 I received an updated Equifax credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX. 

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me. 

On XX/XX/2018 I sent a dispute letter ( attached item C ) to Equifax detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After Equifax conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was Equifax able to verify the account? 

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms. 

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my Equifax credit report. This is my final attempt at a resolution with Equifax regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act XXXX these accounts have violated my rights.

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-06
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good afternoon, I am wishing to file a complaint against Frost Bank, located at XXXX XXXX XXXX XXXX XXXX, in XXXX, TX XXXX for unfair banking practices and under the Fair Housing Act of XXXX Earlier this day, I came into the Frost Bank location ( address listed above ) to open a checking and savings account for myself, XXXX old and to establish a new community financial institution for security of my funds and much more. Upon entering the location, I was told to wait, and was pointed to sit in a conference room and wait to be seen. After 30 minutes or so, I was greeted by a representative ( who did not offer to move us to a private office ) but asked for several pieces of identifying information which I provided. After hearing some mumbling between her and another colleague, she returned to me and said, " Unfortunately, we can not open an account here for you. We did not run a credit check, but we use a XXXX, and your score was a little lower than what we accept. '' I asked her, " How is that possible. I've never owed anyone, my credit score is well above average, and all of my banking accounts are with XXXX XXXX. '' She didn't respond, she just nodded her head, as I was speaking and smiled. '' Before leaving, she did not offer any resolution, and no information was given to me to investigate this matter further. Not only was this unfair, but having my son with me, to see how to open an account, and I had no explanation for him, was even more disheartening and embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I uploaded a completed XXXX XXXX XXXX XXXX XXXX XXXX Netnet XXXX XXXX. I received a notification that Nelnet had received the loan forgiveness application and would take XXXX days to complete the request. 

I received a letter from Nelnet dated XX/XX/XXXX that my loan forgiveness application was materially complete had been forwarded to the Department of Education for their review. In the beginning of XX/XX/XXXX I received a second letter from Nelnet dated XXXX XXXX stating I needed to resubmit my application. 

To recap I submitted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and received XXXX different replies from Nelnet to this XXXX submission. The first reply found no problems with my application submission and forwarded my application to the Department of Education while the second reply stated my application needed to be resubmitted and my application is on hold at Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: AL
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:
To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRI INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROV.

COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The intractions are as rollows : + Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
804 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certitied mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 been disputing an account on my credit report that the credit bureaus are saying that have been investigated and verified. How can the item have been verified when TransUnion, XXXX, and XXXX are reporting different dates of last activity XXXX and XX/XX/XXXX. Also, the account was included in bankruptcy, that has been updated to charge off, purchased by another lender, and charged off as bad debt in the creditor remarks. So again, How can this account have been verified/ updated if its still reporting inaccurate / incorrect information? 

I have attached my credit reports from XX/XX/XXXX - XX/XX/XXXX ( monthly reports ) to show proof of the inaccurate data. 

It does not meet the fair Credit reporting act regulations. 
I feel that this account is affecting my credit 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a collection from a company called XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$6200.00} which I believe is a fraudulent account. The dates opened are different on every credit bureau and per the FCRA an inaccuracies need be corrected or deleted from my credit report. I also do not owe any medical facility any money as the only treatment I have had in the past 3 years has been covered by my insurance. I would like to obtain proof that the debt owed is mine and that it does not violate XXXX or the FCRA otherwise such should be deleted from my report as it has put a burden on my ability to responsibly obtain credit.

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 2023-09-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX is reporting a hard inquiry from XXXX XXXX from XX/XX/XXXX that was removed XX/XX/XXXX but their re showing it in XXXX even though it was removed in XXXX by XXXX XXXX and reported to XXXX and also removed by XXXX and also XXXX XXXX. But now both parties are showing it which is against the fair credit reporting act This hard inquiry didnt show all XXXX and even at the end of XXXX! U cant dig up old hard inquiry that have been removed and reapply them I will ask that the cfpb note my complaints on XXXX XXXX, XXXX XXXX, and XXXX XXXX  as reference and proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/XXXX my identity was stolen for electrity from XXXX XXXX and I file a police report. I have attach the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Early Warning Services, LLC
State: OH
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  XXXX XXXX Illegally without my consent furnished inaccurate identity theft information to a company called EARLY WARNING SERVICES. I sent Early Warning Services as well as XXXX  XXXX XXXX police reports and a cease and desist to stop reporting the illegal inaccurate information and they only blocked the information but did NOT delete the information as I requested per the FCRA. I was also not given any opt out disclosures as required by the Gramm Leach Bliley Act in order to opt of having my nonpublic information furnished to the public. They are in violation of the FCRA and I was a victim of identity theft. Someone tried to pass a bad check on my account and I was unaware of the situation without my consent. I want Early Warning Services to follow the law and delete the illegal account being furnished on me because its hurting my creditworthiness, damaging my reputation and they are willingly violating the law without my consent to furnish any information on me without my consent. I want Early Warning Services Investigated for breaking federal law against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Inaccurate Addresses : I would highly appreciate if you remove these accounts from reporting immediately. Failure to comply with the request should result in the immediate deletion of the accounts in questions. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$4500.00} Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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