BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have written several letters to Experian to review my record due to a debt that does not belong to me, and many lateness that are causing negative impact on my credit. 
XXXX XXXX XXXX the status of the account is closed and charged off the company continues to report on my report. in fact according to FCA any account that has been closed there should be any activities in such account. That is a violation of my right according to the FCA. 

XXXX XXXX  XXXX 30 days late is not accurate XXXX XXXX XXXXXXXX company is reporting that I have been late for 30 days and 60 days at two different occasion the information re [ porting on my record is not accurate and is a violation of my right according to FCA these items should be annulled 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX 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 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 2023-05-15
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 XXXX Account name : DEPT OF EDUCATIONXXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX  XXXX Bankruptcy Account 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 explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: VA
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 repeatedly asked for Equifax to to fix the XXXX report of my car being discharged in bankruptcy, I paid my car in full, my bankruptcy did not include my automobile and was paid off in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear XXXX XXXX XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filed a complaint after discovering that some of my personal information was being used without my permission when I searched for my name on the Internet. My information was obtained by an aggregator website, which advised me to first check the website 's FAQ section and then contact approximately nine separate websites in order to have my information removed. Apart from feeling invaded because I value my privacy, I was humiliated by the fact that I had to request that my belongings be taken. I discovered unauthorized fraudulent accounts on my report and would like those accounts removed and corrected. Remove all negative and bogus accounts from my credit report. This has hampered my ability to obtain credit. I am doing everything I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute in regards to inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello ive disputed a collection with Transunion and they removed it and reinserted it back without notifying me XXXX business days after and certifying that the items was validated properly XXXXat is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Reinsertion Of previously deleted Inaccurate/invalidated items.

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 2023-03-10
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2023-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We were victims of identity theft. XXXX XXXX of our savings accounts were drained from someone adding an external account in my name and connecting them to our USAA savings accounts. On XXXX XX/XX/XXXX, we noticed a withdrawal of XXXX which was all we had in our savings. I notified the bank on XXXX XX/XX/XXXX that someone withdrew our XXXX. During the dates of XXXX XX/XX/XXXX someone made multiple deposits and withdrawals totaling a deficit of XXXX in one account and XXXX in the other. In total including the XXXX which was in our savings, we incurred a total loss of XXXX. I am not certain why USAA did not freeze the accounts like they froze us out of our accounts. Worst of all, USAA is holding me couplable. They have frozen our accounts to include our checking account which has all my direct deposits from my military pension, XXXX and civilian employment. Subsequently, we were forced to open a bank account outside of USAA. As a result, changes in our direct deposits will not take effect until the month of XXXX which will result in late payments for all of XXXX 's bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Email : XXXX ( XXXX XXXX )/ XXXX ( XXXX XXXX ) Zelle XXXX ID : XXXX Phone : XXXX XXXX On XX/XX/22 my son was incarcerated at XXXX XXXX XXXX XXXX The arrest information including his address was made public by the jail which is how this person knew to contact me. I had made several calls to local bail bondsman about the case and this person called at about XXXX XXXX  and said he was from one of the agencies I had called. He had me Zelle the money ( {$1000.00} ) for the bond to him. It wasn't until a few hours later when I spoke to the correct agencies that I realized this person lied to me. I do have the email with the fake document he sent as well as an audio recording of him requesting the money. He presented to be someone else and stole my money. I have also alerted the FBI Internet Crimes Unit. Under Regulation E, this money needs to be returned. Zelle told me even though they know it was a scam they can't return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was told that I can remove my impound account later with my 25 % down payment. XXXX years has past since and still US Bank won't do it unless I pay them {$1000.00} and there is no where on my documents saying that I have to pay this cost.

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 2021-06-08
Company: Nelnet, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XXXX XXXX XXXX transferred ownership of the loan to XXXX. However, XXXX XXXX has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XXXX with XXXX XXXX and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and XXXX  in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, XXXX XXXX has not clearly reported account updates to all 4 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: IN
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: In progress
Consumer complaint received 2020-06-04
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:
I disputed XXXX XXXX XXXX account and it was not verified with my signature on any contract.by law, the 3 credit agencies are supposed to provide me with a wet signature for verification and they did not. This account is hurting me from refinancing my current home. I disputed this over 30 days ago and this needs to be deleted from all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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:
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. 
has violated my rights. 

Name of Account Account Number. Balance XXXX Dept Of Ed XXXXXXXX {$630.00} Unverified Account XXXX Dept Of Ed XXXX {$5700.00} Unverified Account XXXX Dept Of Ed XXXX {$2500.00} Unverified Account XXXX Dept Of Ed XXXX {$6100.00} Unverified Account XXXXXXXX Dept Of Ed XXXX {$2700.00} Unverified Account US DEPT OF EDXXXX  Account XXXX Date openedXXXX Original balance {$4700.00} US DEPT OF EDXXXX Account XXXX Date openedXXXX Original balance {$500.00} US DEPT OF EDXXXXXXXX Account XXXX Date openedXXXX {$4700.00} 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 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 2021-05-25
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Spoke to property when I moved out after taking pictures of my apartment, did a walk through with a member of maintenance to ensure when I moved out we were on the same page. After speaking with the property manager she informed me that the pictures they took without me ( i.e. not during our walk through ) would not be provided to me. They took my deposit and applied it towards an unagreed upon amount then forwarded my information to another company to bill me for it. I expressed my displeasure with the amount and the breakdown they reduced the amount to right around {$200.00}. Later on they sent the account to a collection agency who has not been able to provide me with the information I have been requesting nor a date I can expect it after repeated conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: SD
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 AccountXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX  XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it Alison 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