BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: EQUIFAX, 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:
The following accounts are fraudulent XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX act # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX 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 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 2016-05-09
Company: Earm LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a call from XXXX stating they are sending legal papers to my home over a debt, they called my work also. I called them back and they have a lot of information of mine, they told me I received a payday loan from MAC Development. I have never heard of this company and have never received anything from them. I told them to deliver the legal papers. The debt is {$390.00}. This is not mine. I received multiple calls and again they called my work. How can they try to get me to pay money for something I do not owe. PLEASE HELP!

Company response to consumer: Untimely response
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 REQUESTED TRANSUNION TO REMOVE THE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS IT IS A DUPLICATE ACCOUNT OF THE XXXX XXXX XXXX XXXX WHICH ALSO APPEARS ON MY TRANSUNION 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 2023-02-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY PREVIOUS COMPLAINT WAS CLOSED! BECAUSE SOMEONE CLAIMED I HAD REPORTD IT BEFORE. 
NO! I HAVE NOT REPORTED XXXX XXXX BEFORE! AND I WANT MY COMPLAINT DEALTH WITH SERIOUSLY! 

XXXX XXXX has gathered all my life 's history without permission and put it out in their database to sell to companies requiring my insurance and driving history and companies that are not in the car or house insurance business such as XXXX XXXX. I do not have a relationship with XXXX XXXX. Lexis nexis should only provide pertinent insurance and driving record and some records there are more than XXXX XXXX XXXX and should not be used in decision making process of the requesting entity. XXXX XXXX put 's in credit reports and scores in their database which they shouldn't and the reports are inaccurate and out of date. Lexis nexis is in the business to make consumers look as bad as possible so they can justify their fees which result in consumers paying a much higher rate for insurance for the consumer. I have reached out to XXXX XXXX to remove all my personal information not necessary to getting a quote for auto and car insurance, and told them to freeze my report but they have refused to do so, claiming it is a " permissible purpose '. I have include the report XXXX XXXX is providing to anyone who asks. This is an invasion of privacy and is against the law. XXXX XXXX has placed a link in my Equifax credit report under 'Public Records ' so third parties can request my XXXX XXXX report. This is against the law. 
PIN CODE TO OPEN PDF IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
These credit bureaus negligently aren't looking to falsely reporting incorrect data. Disputed already and are acknowledging improper following on my consumer rights. Attempted to get this removed off my record for breaking multiple US code rights. 

XXXX XXXXXXXX XXXX XXXXXXXX. As you are able to see below this account is in clear violation of 15 U.S. Code 1681e - Compliance procedures. Which clearly states that 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. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1666b - TIMING OF PAYMENTS. Which clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S Code 1692g - VALIDATION OF DEBTS. Which clearly states The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1681a ( D2 b ) - Definitions ; rules of construction - Exclusions. Which clearly states the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2023 Received several emails notifying me an account was being set up with Bank of America ( BoA ) spanning from XXXX until XXXX. The last email notified me that the email associated with the account was changed from my personal account so I had no access to the created information. I had not requested any of this nor ever had I done business with BoA in the past. XXXX I confirmed the emails were legit and there was an actual acount opened I contacted BoA through the main number associated with their website not from the emails around XXXX. I was connected to the fraud department and was notified that my personal information was used including my address and SSN to open the account. Fortunately, no activity had taken place and the account was closed. BoA reported that I would be receiving an email detailing this information in 7-10 business days. I was provided a fraud protection suggestion page which informed me to place an alert with the 3 credit bureaus and XXXX. I also took extra steps to change all passwords to important accounts and verify credit history for information on any other possible issues. On XX/XX/2023 I received another email reporting that I was attempting to set up another BoA account. This time it stopped with the first email asking to verify my email. I contacted BoA again and was told I should place a freeze with all the credit bureaus and XXXX. I was able to do this and also went beyond with requesting an PIN from the IRS and checking into what is needed to freeze a SSN. Currently waiting to see if further fallout happens...

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 2021-08-01
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Morning, I have requested several times the payment of one of my mortgages, I have been trying to get this information for a month, they called me because I sent many emails claiming, but they told me they would send it to me and I have more than a week and nothing they send it, I no longer know who to talk to and who to contact, it is always a problem with this bank to make any claim, they work very badly, I am their client ... it does not seem that they. They are my client because I always have to point out the work that they do wrong and they still don't fit it ... I feel frustrated with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: ALLY FINANCIAL INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We refinanced our mortgage from Ally Bank to XXXX XXXX. The account at Ally Bank closed on XXXX XXXX, XXXX. We still have not received the funds that were in our escrow account with Ally Bank XXXX over 30 days after closing ). Ally Bank said they sent a check on XX/XX/XXXX and we would receive within 4 business days. They don't have a tracking number

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 2022-12-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/22 Top of the day, I tried to make a payment for services via XXXX  when my card declined. I than contacted Amex @ XXXX and got transferred to a rep named XXXX, she asked me a few verifying questions and stated " your card is unblocked now ''. I stayed on the phone to see if my transaction would go through and it declined, she than stated " Please get the account holder on the phone there are things in the account she can not talk to me about '' ... I advised that I was labeled as account manager on a previous call how's so? She than stated not for everything. I proceeded to get the account holder on the line and prior to me even greeting the account holder she rudely cut me off .... : :at this point I am startled by the treatment : : She than stated to the account holder about the usage on the card and now there is a new limit on the card : :by the way this is a no preset limit card that balance was once as high as $ XXXX with no payment issues : : She stated the limit is now $ XXXX and you are over the limit so how would you like to make your payment today? Of course the account holder not moved by the payment amount but moved by how suddenly the account is now over the limit and now that makes and effect on how the XXXX will look. I advised to the rep did she know what that does to the company? Are ability for future lending will be compromised and not only that we've already paid our hefty membership fee to be apart of your " exclusive club '' and had NO prior payment issues. The rep than stated AMEX is taking a loss too ... .I asked how so? Are you assuming I'm not making the payment and now closing the account?. The rep stated she will get a supervisor on the line... ..We still haven't spoken to a supervisor and time is passing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent UNITED COLLECTION SERVICE INC. certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-02-16
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is incorrect for one. I 've already disputed this. They took off my record now trying to put it back on. Slimy company trying to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputing the charge-off accounts with past-due balances, unauthorized Partial Account Numbers, and outdated account information XXXX to XXXX XXXX XXXX, thats displayed on my credit report. The Fair Debt Collection Practices Act gives accurate, and precise instructions that promote accuracy concerning information placed on consumers credit files for current and future verification. However, when certain information concerning accounts and account numbers are not displayed accurately on credit reports, this issue becomes abusive, unfair, or deceptive practices that involve erroneous information being placed on consumers credit profiles which is a Fair Debt Collection Practices Act Violation. 

A charge-off account is identified as the following : no longer valid, closed, terminated, canceled, or discarded. There is nothing available to conceal or protect when dealing with a charged-off account that is no longer active. Credit agencies have led consumers to believe by placing partial account numbers on credit reports is preventing possible identity theft of information. When in actuality the account numbers are being concealed which prevents account information from being properly verified by consumers. 

When creditors provide account information to credit agencies, they receive a complete account number without symbols or foreign characters. When credit agencies conceal, replace, or add other characters to an account number on the consumers credit report, the account information then becomes inaccurate and erroneous reporting. A charged-off account is no longer subjected to identity theft for future gain. 

According to the Fair Debt Collection Practices Act, a past-due account refers to a payment that has not been made by its due date. My concern and question at this point are how a charge-off account can have a past-due amount when the charge-off account is closed and no longer considered an active account. 

The only accounts recognized to have past-due balances are active accounts, late payment accounts, and accounts placed on a forbearance agreement plan. This means the charge-off past-due accounts with past-due balances listed on my credit report are inaccurate and erroneous information. This means the creditor is still waiting for a payment to be made on a closed account that has been sold to a different agency. This is a violation of XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( B ) when promoting accuracy and fairness.

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