BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: NC
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 began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. XXXX is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only Equifax and XXXX. XXXX XXXX is being reported inaccurately on all three ( XXXX reporting a late payment in XXXX while Equifax and XXXX are XXXX late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is XXXX payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on Equifax as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
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:
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 u.s.c. 1681. 
Account Name .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 
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..

15 u.s.c 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
contravention to 15 U.S. Code 1681c2 ( a ) - Block of information resulting from identity theft. over 150 days for repeated disputes and investigation until inaccurate accounts were deleted ; XX/XX/2021 accounts were reinserted again inaccurately and evidence was submitted with inaccuracies and incompleteness and it has not been blocked as instructed after 4 days. This has become a tremendous inconvenience without any cooperation from representatives after calling in several occasion to help resolve this matter. reported accounts have been settled as paid in full never late, paid as agreed never late but continues to show XXXX balance as past due over 120 days with no amount past due, which is impossible for XXXX balance to be past due. This reports negatively on report. Please investigate this as it has been 2 years of back and forth to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NC
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 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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 tried to report fraud on several hard inquiries, even inquiries on accounts that were removed and the inquiries still remaining. I did not authorize the hard inquiries and I want them removed. I am only asking for fraudulent and false inquiries to be removed.

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 2023-08-05
Company: Mr. Cooper Group Inc.
State: TX
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:
Nationstar is incorrectly reporting this account. The account has been paid in full and accepted by Nationstar. This account needs to be updated to reflect paid in full to reflect accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been disputing inaccuracies on my credit report for almost 4 months and the credit bureau 's never sent me a credit report. All of my information is being updated and I am sending the documents that are asked and they refuse to investigate the following accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX These are all collection agencies that Ive been asking XXXX  , Transunion and XXXX  to investigate and to make sure they have signed contracts with these companies where I singed and each dispute has been ignored.

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 2023-11-01
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX XXXX was sent from my cash app account $ XXXX to $ XXXX I do not know this person and XXXX  XXXX XXXX at the time also the name has changed to XXXX XXXX there is also charge from XXXX XXXX XXXX XXXX that I nnever made and XXXX XXXX XXXX i did not make also charges from XXXX XXXX on XX/XX/XXXX for XXXX I have nno idea what this is I was denied on this also at present I have no idea where my money was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I co-sign on a car loan with a ( ex ) friend. The friend defaulted on loan and I didn't know, until I received a call from Ally financial, in late XXXX. Seems payments stoped in XX/XX/XXXX, and found out XX/XX/1923. I don't have the car and have tried to find it, but the person I co-signed for ( XXXX XXXX XXXX ) will not give me any info. I explained to Ally and have asked for payoff paperwork, to no avail. I know I'm going to be stuck, for my foolish mistake. But I don't think it's fair for Ally to keep adding charges. I have tried calling/talking to Ally and asked for supervisor, to no avail. They hang up or chant this, this call will be recorded etc. And I can't get answers or paperwork. They call my work and I say stop, your endangering my job. Financial I can't afford to pay this loan, I have my own car loan, and being a single father, I have a child to support. I do have a family member who is willing to help me, but it will difficult for them also. I just want a fair and final payoff amount and time limit, which I can not get Ally financial to give me. I have tried legal aid, and even though my income qualifies me, they can't help me, other then give me a phone number to bar assoc. That wants {$25.00}. For advice. Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON XX/XX/2021 I CONTACTED EXPERIAN VIA CERTIFIED MAIL AND PRESENTED THEM WITH AN AFFIDAVIT OF TRUTH. AS WELL AS A CFPB COMPLAINT THE COMPLAINT WAS FRAUDULENTLY CLOSED OUT BY EXPERIAN. EXPERIAN CLAIMED THAT THIS COMPLAINT WAS CLOSED OUT DUE THE COMPLAINT AND MAIL BEING SENT IN BY AN UNAUTHORIZED THIRD PARTY. THERE IS NO THIRD PARTY WHICH THEY ARE AWARE OF BECAUSE MY AFFIDAVIT WAS NOTARIZED AND AT THE TIME OF NOTARY I HAD TO PRESENT A DRIVERS LICENSE AND SWEAR THAT ALL INFORMATION ON THE AFFIDAVIT OF TRUTH WAS ACCURATE. EXPERIAN HAS PULLED THIS STUNT TOO MANY TIMES CLAIMING THAT THE LANGUAGE WAS TOO PROFESSIONAL. ACCORDING TO FEDERAL LAW ALL CONSUMERS HAVE THE RIGHT TO EXERCISE LAW FOR THEMSELVES. AS A FEDERALLY PROTECTED CONSUMERS HAVE DECIDED TO INVOKE MY SPECIFIED REMEDY. HOWEVER AS OF NOW EXPERIAN HAS VIOLATED MY CONSUMERS RIGHTS 24 TIMES AND I HAVE DEMANDED THE REMOVAL OF 5 ACCOUNTS AND I WILL SEE TO THE FACT THAT THEY ARE REMOVED IMMEDIATELY OR I WILL NOT HESITATE TO ESCALATE THESE VIOLATIONS. AS THEY HAVE VIOLATED MY RIGHTS, DEFAMED MY CHARACTER AND HAS WRECKED COMPLETE HAVOC ON MY LIFE. EXPERIAN ALSO DO NOT HAVE A DIRECT POINT OF CONTACT FOR CONSUMERS WHICH MAKES RESOLVING ISSUES EVEN MORE OF A TASK.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3000.00} Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance In accordance with the fair criedit 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 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 2023-05-08
Company: Experian Information Solutions Inc.
State: PA
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 name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-05-18
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an account on my XXXX stating that on XX/XX/2018 I opened a XXXX XXXX   account and have an outstanding balance of {$110.00}. I did not have XXXX XXXX and am wondering why this is on my credit. This acct has not been verified or validated to be mines. If a signed contract not just a bill with my name in it can not be provided showing that I opened this acct please remove from my credit immediately. Credit Protection is on my credit as the collection agency.

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 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX opened account online because I have been banking with them since XXXX ( their words and printed in the debit card sent to me ). Deposited check electronically got confirmation and dates that funds would be available because it was a holiday weekend. Signed into online checking ( got the app and everything ) signed up for mobile alerts then no more access to online banking. In total over 5 hours already with them, have to call wait on hold then told to go to a bank to verify id? They never said this before why did i verify my email why did they let me have info about the account if id was not verified. They let me know all the details. Expressed my disapproval then 10 mins after getting off the phone i receive another email to the check amount deposited into what turns out a account they already closed then they extended the time for check to clear 13 or 14 days after email that said partial access to payment next day. Then when I do go to the bank { on my lunch break, 12 hour shift } the account is closed but they still deposited check and unfortunately they do not have anymore slots available today. Now I have to deal with the consequences of that I have limited funds I am poor on food stamps in school but barley making it right now. The email States that if I had written checks on the account or check return fees i am covered? What about my rent what about my expenses? XXXX would of cashed the check online ( its a check from chase with the whole page attached ) yet I have to wait and wish and hope no this is false advertising miss leading emails and poor conduct by a corp that should be ashamed of themselves because of their business practice. I am not going to cease till they learn their lesson so others do not fall prey to this disrespectful and criminal ( in my opinion ) of a corporation.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: AL
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 Experian, XXXX and XXXX has Violated my rights by Having Late payments on my Credit report and a charge off account. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC Section 1681a- Definitions ; rules of constructions- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

15 USC Section 1681- congressional findings and statement of purpose ( A ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

15 U.S. Code 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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