BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: VA
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 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 explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions 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:
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. 

XXXX XXXX XXXX  XXXX : Account Number : XXXX, XXXX : Account Number : 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 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 2023-03-23
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I sent a letter regarding incorrect information on my credit reports to XXXX XXXX and Experian and still have not received an update.

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 2023-05-12
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:
I've run into a brick wall with Equifax, XXXX, and XXXX. They've ignored all my disputes on my credit report about the inaccurate AND unverifiable information, which violates 15 U.S.Code 1681e ( b ). They didn't take the necessary steps to check the proof I provided, which is their duty to ensure accuracy. 

It's been 41 days since I reported this on XX/XX/2023, way past the required 30-day investigation period stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). They've left me hanging with zero updates or results. 

Worse still, Equifax, XXXX, and XXXX hasn't noted my dispute in subsequent credit reports, a clear violation of 15 U.S.C. 1681i ( c ). So anyone checking my credit is getting a distorted view of my situation. 

I'm really frustrated with Equifax, XXXX, and XXXX not playing by the rules and hope you can help set things right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I sent a letter regarding incorrect information on my credit reports to XXXX Equifax and XXXX and still have not received an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill NOT A VERIFICATION on XX/XX/2021 XXXX by CAPIO PARTNERS for {$2200.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. I will send a OFFICIAL NOTICE and last request for a VALID debt validation with the following. 

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

3. ) Cease any credit bureau reporting until the debt has been validated by me.

4. ) CORRECT INFORMATION ABOUT ME BECAUSE NO SOCIAL IS LISTED AND ADDRESS PLUS NAME IS WRONG AND THIS WILL ESCALATE WITH LEGAL ACTION AGAINST COLLECTOR AND THE FEDERAL GOVERNMENT FOR BOTH CFPB AND HIPPA VIOLATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX : This collection account on my credit file that doesnt belong to me it has the wrong address signature that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 around XXXX XXXX, I noticed in my 53 bank account activity that 3 of my checks had not properly cleared, Check XXXX, XXXX, and XXXX. More importantly, I noticed that Check XXXX had been processed by my bank for a fraudulent Amount of {$2900.00} to a XXXX XXXX. Date on check was XXXX. XXXX XXXX 

I don't know for certain what happened but this check had clearly been stolen from the mail or from the banks offices, washed, and a new payee and amount had been written onto the check. It was clear that this check was fraudulent if even the most minor of checking was in place. 


On XX/XX/2023, I first contacted 5/3rd online fraud center and was told to contact my local branch to file a report. I contacted the branch office of 5/3 bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a fraud report with them giving all the necessary details to file a fraud report. They gave me the number for XXXX XXXX XXXX XXXX She said it could take between 30 and 180 days. 

On XX/XX/, I contacted the XXXX Postal Police at XXXX, I had dropped the checks with the USPS in XXXX, so I thought they might have been stolen from there. I filed a police report and provided that report to my bank. 

Since then, I have contacted 5/3r multiple times, including XX/XX/XXXX in which they said they were waiting on XXXX XXXX  to respond to their complaint. 
I again with 5/3 bank yesterday, on XXXX  and the complaint is still being processed. 

Anyways, this seems like a situation where FDIC insurance or the banks insurance should kick in as money was directly stolen from an insured checking account and my funds should be restored. 

I have been a customer of 5/3rd bank for more than 20 years, never filed a complaint, and this is how I have been treated. Imagine how they would treat a new customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$10000.00}

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 2023-05-15
Company: EQUIFAX, INC.
State: DC
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:
After submitting a request for an investigation via postmail, I received a letter stating that they could not verify my information although identification documents and proof of address was provided. This is a clear attempt to stall my investigation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, then date last active is inaccurate, and date last report is not accurate, This g

round for removal they also violated my rights under 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 that a consumer reporting agency can not furnish an account without my written consent

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 2019-11-02
Company: Duvera Billing Services, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan with XX/XX/XXXX. They are not letting me pay within the interest free period of 90 days. First they said my card was returned. I dont have a card on file. I told them to take directly out of my account they have my routing and account number. They said they would take the payment out of bank account I have it in writing and they still have not taken the payment. I believe this is a stall tactic so I miss the payoff date and am forced to pay interest. They also told me a bank transfer takes 10days to process? Hello its 2019. These people must be stopped and reported 58 % finance charges??? Please help! XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a Truist account online about 6 months ago with a required deposit of a minimum of XXXX XXXX To this day I have not received the XXXX dollars back. 

I tried signing in but it said my account is not active. I called and they told me I have to go into a branch office to verify my account. So I went to the location in XXXX XXXX XXXX  area after work already tired because they arent open on weekends or any convenient hours. Waited for the manager finally and she told me to call.. so after explaining I already called she said there is nothing she can do and I have to call.. 

Now I called and they are telling me the same thing. To go to a branch and verify my ID. I have waited over 3 months for a check to come in the mail but havent seen anything..

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 2023-03-23
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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 XXXXXXXX JXXXX 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 2023-03-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear I am writing in response to your letter dated. 
( copy enclosed ) because I do not belleve I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Additionally, some of these accounts are more than 10 years old and has to be removed per the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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: Personal information incorrect

Complaint:
THE KEEP REPORT THE FALSE STUFF ON MY CREDIT REPORT PLEASE REMOVE THEM I sent a letter out to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: FACTUAL DATA CORP.
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:
The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. 

The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. 
All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. 

The following is just from XXXX  report Factual Data - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX  XXXX XXXX - XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Transform Credit Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My daughter took out a loan with this company and I was the cosigner on the loan. My daughter set up pymts to be taken out weekly from bank. They stopped taking pymts. I tried to send a check but the check was sent back. Their excuse is the loan is ahead so therefore no more pymts will be taken out. Now the loan is back up to over a XXXX. I want the loan paid off so we can move on with life. They are waiting for it to accrue more interest before they accept any more payments. That is unfair to allow the loan to continue to rise and we aren't allowed to pay it down. SCAM FOR MORE MONEY IN INTEREST. They will not answer the phone or email. They keep saying you can make extra payments but it will be sent back. No wire transfers, bank checks or anything. They will text back with ahead of payment schedule so no pymts will be taken out. No one will get in contact with us .We need help with this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation