BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
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:
EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. XXXX collections from company XXXX XXXX XXXX are not the consumers. The said company had XXXX  days according to LAW to remove such items. Consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer and that the XXXX reporting collections are indeed the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has charged me {$420.00} in overdraft fees on accounts ending in # XXXX and # XXXX since XXXX XXXX. I called on XXXX to discuss the fees being waived or reversed as I explained none of the transactions were paid and some even charged me a NSF fee 3 times in one day.I was told that Bank Of America would not return the fees as it was not a banking error. I explained to the representative the purpose of having overdraft protection is to cover a transaction if the funds arent there, then charge me {$35.00} non sufficient funds fee. Out of a total of 12 transactions, Bank of America did not cover one, yet charged me {$35.00} each time a transaction came through and funds were not available. 
I was told by representatives that this was in a disclosure upon account opening. I further explained to representative that was not the way the account setup was explained to be when I opened it. I was told that I had the option for overdraft protection which would cover my transactions if funds werent there and charge me a {$35.00} fee. This is unscrupulous to take hundreds of dollars from a customer especially being on a fixed income.

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 2022-06-14
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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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 item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX -XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-10-26
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XX/XX/23 Is reporting late payments when the account was settled since was not opened with my consent. 
Also I found inquiries that I did never authorize : XXXX XXXX, XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a Bankruptcy report on my credit report. I don't have any idea about the Bankruptcy report. That report DOES NOT belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

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 2021-12-30
Company: EQUIFAX, INC.
State: MS
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Information belongs to someone else

Complaint:
Good afternoon. I SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

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 2023-05-25
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am furious. My credit card numbers were stolen and 58 fraudulent charges were made on my account ( {$3300.00} in total ). I promptly advised Citi of the theft. I spent over an hour on the phone going over the false charges and was assured they would cancel/reverse the fraudulent charges. A replacement card was sent out and Citi immediately cancelled the card. 

A week later Citi had a person call me who spoke absolutely no English. I tried to go over the charges/fraud again. He did not understand a thing I was saying. Despite my repeated requests, he refused to transfer me to someone who spoke English. Finally, I told him to have a supervisor who speaks English call me or send me in writing any further requests for information that they needed. He hung up. 

When no one contacted me by phone or letter or asked for any supporting documentation in the next 3 weeks, concerned, I checked online. Citibank had failed to put in dispute a single one of the charges I had spoken to two fraud specialists about ( and had cancelled my card because of ). 

I then spent an entire day submitting my dispute online on XX/XX/2021. I told Citi in the disputes online that I was mailing all of the supporting documentation to show fraud. Instead of doing any investigation, 3 days after I submitted the dispute and before they could have even received my documentation, they falsely stated that I had failed to respond to their ( non-existent ) request for information. 

I have copies of everything. This is where I sent the documentation : Fraud Investigations/ Dispute Resolution Citibank XXXX XXXX XXXX XXXX XXXX KY XXXX I provided them with a complete list of all fraudulent charges, all of which were easily traceable to other people ( train tickets even had names on them and all the furniture and XXXX charges had to be delivered somewhere ). I also attached the official XXXX XXXX of all of my account charges for the relevant time period so that they could see valid charges vs fraudulent, e.g. not charges made from my account. I provided a sworn attestation and agreed to fully cooperate in their investigation. 

It is unbelievable that they did no investigation at all. I will be closing all of my accounts with them and switching to a different bank card. This company 's willful disregard of teh law or gross incompetence is outrageous. I have never had this problem with XXXX or 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 monetary relief
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 item listed below has violated my rights. 

INQUIRIES : XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-05-25
Company: EQUIFAX, 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: 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 number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: AR
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 XX/XX/XXXX I received a letter from Equifax informing me that " at this time Equifax will not block the information subject to the submitted identity theft reports and/ or police report 's you provided as part of your dispute. '' Under the Fair Credit Reporting Act section 605B a consumer reporting agency may decline to block or rescind any block of information relating to a consumer if the reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of material misrepresentation of fact by the consumer relevant to request a block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

This is the second time within two weeks Equifax has violated the Fair Credit Reporting Act section 605B. Equifax failed to provide reasonable determination of any factual proof by not honoring my block request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a Bankruptcy report on my credit report. I don't have any idea about the Bankruptcy report. That report DOES NOT belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On   XXXX   XXXX   XXXX  , I was noticed of the following from the  I.R.S.  : " Per our records  XXXX   XXXX   XXXX  received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING,  LLC  -  XXXX .  XXXX   XXXX   XXXX   XXXX  's cancellation date occurred   XXXX   XXXX   XXXX  . '' and " Per our records  XXXX   XXXX   XXXX  received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING,  LLC  -  XXXX .  XXXX   XXXX   XXXX   XXXX  's cancellation date occurred   XXXX   XXXX   XXXX  . '' I did not execute any debt instruments in favor of Specialized Loan Servicing, LLC ( "  SLS '' ).   My husband  XXXX   XXXX   XXXX  did not execute any debt instruments in favor of Specialized Loan Servicing,  LLC. It i s an impossibility for SLS to have purchased debit instruments that comport with the debt forgiveness figures SLS reported to the I.R.S.      XXXX   XXXX   XXXX ,  XXXX  has no authority to report to the I.R.S. that it cancelled debt on   XXXX   XXXX   XXXX  , relating to my social security number, nor my husband 's social security number.     Apparently,  Specialized Loan Servicing, LLC used  my identity and my husbands identity in a fraudulent scheme to take tax deductions to which it has no right, and to harass me, my husband, and my family.

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 2023-05-25
Company: EQUIFAX, 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:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here are the list of accounts/items which do not belong to me or were opened without my permission. 
Inaccurate addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXXXX/XX/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 response to consumer: Closed with non-monetary relief