BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
I am reporting a violation of my right to privacy and the wrongful use of court records for reporting purposes regarding the following items on my credit files : XXXX. XXXX Bankruptcy ( XXXX XXXX ) XXXX. XXXX XXXX, XXXX ( account associated with the bankruptcy ) According to the law on reporting consumer information that is housed in City court documents the following data furnishing company XXXX XXXX along with the major credit bureaus - XXXX, XXXX and Equifax have violated my rights to privacy by reporting my Bankruptcy on my credit files without my written consent and have wrongfully used those court records by furnishing that information WITHOUT A VALID REASON LISTED under section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years Subsection ( b ) states the ONLY REASON MY BANKRUPTCY SHOULD BE FURNISHED IS : b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more.

By furnishing my court files for credit reporting purposes other than listed above XXXX XXXX  and all the credit bureaus they have furnished that information, are all in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Grain Technology, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Trygrain.com I have had an issue paying this company. I was in constant communication with them that their digital platform wouldn't allow me to make a payment. They kept resetting my account according to them and it just wouldn't budge. I am very tech savvy so I know the issue was not with me. This company never gave me another option to make my payment such as a payment address. I am going to attach all of the emails I had with them in regards to this matter. I am very at them because they me up for failure and now it is hurting my Credit Reports and Scores when the issue was and never has been me. I am very furious as I am writing this. I have tried to get this error corrected with them and have had no success. I tried my very best to pay this account with them but now I see that they are reporting it is a negative account on my credit reports. The audacity they have to report my account like that is what really makes me furious when I have tried to pay them. If I didn't want to pay them then I would just take the negative on my Credit Reports and not be writing you the CFPB. I am very frustrated at this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Their investigation did not fix an error on your report

Complaint:
I recently reviewed my credit file and unfortunately found that some of my personal information were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following personal information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NY
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX  XXXX {$780.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
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:
Equifax, XXXX, XXXX, XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible thats the reason however based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. 

NONE of the inquiries EXCEPT the ones I have direct accounts should be on my consumer report AT ALL! Please fix I will charge for each one that is reporting fraudulently!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Vehicle is in my husband name. My husband passed last year, XX/XX/XXXX. I was told I could do XXXX things. 
1. Surrender 2. Pay off 3. Keep making payments During this time of my husband death, I was dealing with sickness of XXXX and was not able to work due to my husband being sick with XXXX and taking care of him and I was sick trying to take care of me. I asked if it was anything they could do about payments been late. I was told no and to Surrender Vehicle. I was told in XXXX that the vehicle would be repossessed for non payment. I reminded the representative that I was told if I Surrender the vehicle, I would not get a repo against me. I told them that I Surrendered the vehicle in XXXX and no one came and picked it up. I again called back late XXXX and asked why they had not picked it up and as long as it been sitting, they could have worked something out with me. As of XX/XX/XXXX the car is still sitting in the yard.

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 2021-08-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.

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 2021-02-11
Company: Synergetic Communication Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, i received a letter from Synergetic Communication, INc. stating that i ow a debt of {$7400.00} for some unspecified reason and a setllment amount of {$1800.00} was offered to me. The letter states that this debt is too old for me to be sued over as the statute of limitations has expired but there is no indication of where and when this debt was created. I have absolutely no idea what this is about and to the best of my knowledge i don't owe any debts to any one. I have no idea how to proceed with this as i am afraid if i send anything in writing to the debtor it will restart the statute of limitations and create a bigger mess for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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 did not grant authorization or initiate these accounts, and it is unjust for me to bear responsibility for them. I implore you to promptly rectify this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MI
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:
On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX against Equifax because they failed to fix invalid/unverifiable information within my credit file. I provided a coopy of the complaint against the data furnisher I'd submitted to the US Department of Justice. That complaint outlined the various violations of TILARegulatoin Z in which the data furnisher stopped generating both paper and electronic statements. With the copy of the complaint I supplied over two hundred pages of documentation. Highlighting the data furnisher 's own acknowledgement that they had not been billing me.I also included sreenshots shoiwng the data furnisher 's system did not register me as having accounts, copies of " new bill '' notifications that corresponded to no accounts, and multiple billing error notices. Finally I demonstrated the data furnisher was unwilling provide me with copies of statements ( they did not exist ) and how the data furnisher was only willing to provide a screen dump allegedly from an internal system. TILARegulation Z requires that a data furinsher provide periodic billing statements for open-ended accounts. This data furnisher did not and continued to mark the payments late even after they received multiple billing error notices. Equifax allegedly conducted an investigation " updating '' the information for the account. It is now XXXX XXXX of XXXX and the invalid/unverifiable information continues to exist in my credit file with equifax. A data furnisher engages in unlawful and unfair practices if it is non-compliant with TILARegulation Z when providing periodic statements to a consumer. Moreover, a data furnisher is found engage in deceptive and abusive practices if the data furnisher then supplies one or more consumer reporting agencies with information that was generated by violating TILARegulation Z. The FCRA is quite clear in what the responsibility of the data furnisher is when supplying CRAs with information. Equifax has been provided sufficient documentation to know the information being supplied by the data furnisher is inaccuate and unverifiable. Information that is generated by violating Fedral statute and/or Federal Codified Regulations is on its face inaccurate and should not be included in a credit file for a consumer because it is misleading at best. Equifax needs to remove the account/tradeline from my credit file. It is the only CRA of the 3 major CRAs still reporting this information. Equifax continued inclusion of this invalid information in my credit file is harming me as a consumer and preventing me from obtaining housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: OK
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:
Disputed inaccurate bankruptcy of my credit report. Was told they verified with XXXX XXXX and XXXX XXXX has now removed from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, 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:
COMPANY XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT. 

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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 my XXXX  request that I have been a victim of identity theft and that no body seems to care about this matter, that I want to dispute some inaccurate records in my credit file that do not belongs to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft.I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX 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 2023-05-22
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX I am writing to request the removal of the unauthorized credit inquiries on my credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-25
Company: Experian Information Solutions 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:
HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE CORPORATE XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARS.XXXX XXXX  IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE XXXX  WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY XXXX, EXPERIAN OR XXXX  HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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