BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that XXXX working with a third party or credit clinic. Lets get the record straight!!! XXXX the XXXX whos disputing this information. The information XXXX disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that XXXX Credit Bureaus must investigate and delete these fraudulent items.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  Balance Owed : {$18.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Pentagon Federal Credit Union ( penfed.org ) Application for Line of Credit for Investment Property Closing documents for loan received XX/XX/2019. 

Closing documents included a document entitled : " Occupancy and Financial Status Affidavit '' ( PenFed XXXX ( XX/XX/XXXX ) - XXXX XXXX This document requires a signature certifying that the property being mortgaged will serve as my primary residence. 

PenFed Credit Union was aware that the property WOULD NOT serve as my primary residence. I brought this fact to their attention ( representative name XXXX XXXX ). XXXX XXXX assured me that PenFed understood that the property was not to be my primary residence, yet he informed me that the document needed to be signed, anyway. 

The document states that the Federal Credit Union Act ( 12.U.S.C.1751 ) prohibits Pentagon Federal Credit Union from making a mortgage loan on a home that will not be the principal residence of the member. 

The fact that the property WOULD NOT be my principal residence was submitted multiple times, although the application process encouraged me to say that I " could possibly '' reside in the property ( apparently in order to get around the FCUA regulations ).

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: Early Warning Services, LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A review was sent to zelle from my bank, XXXX XXXX, in XXXX, the reply came back saying my phone number, XXXX XXXX XXXX, van not be used. Previously, it was used with XXXX, the service was canceled, no issue with Zelle. I request my number reinstated for use with Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Because as you know I submitted a dispute against XXXX .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX system and possibly make sure this XXXX stops .... you are the one supposed to regulate this XXXX and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... TRANSUNION is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO XXXX AND TRANSUNION TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS

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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT CREDIT 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

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 2023-11-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-08-02
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 am sending a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate accounts are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX  XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX Balance Owed : {$370.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone called on XX/XX/2021, and said that I had charges on my XXXX account and that they were going to set up security and make sure I got the money back. They took control of my computer which had my banking information on it. They went into my account and wired themselves {$3100.00} out of my checking account. Once I realized this had happened, I called Wells Fargo immediately and submitted a fraud complaint and was told they would work on it and it would be resolved as soon as possible. I received a letter from Wells Fargo saying that because they could not prove that I did not willingly allow the person to take the money, they are unable to refund my money. Basically, their thought is that there is a chance that I was in on the whole situation and may be benefiting from what has taken place. I was unaware of what was going on and wound up getting money stolen from me and nobody from Wells Fargo can give me any more options.

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 2023-08-02
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$460.00} XXXX/XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX. 

XXXX Bank : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove unauthorized inquires from TransUnion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
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 belongs to someone else

Complaint:
I reported identity theft to the bureaus, requested a freeze. I went through each step with the FTC. To no resolve. My use Idenity has been completely taken over. Unemployment claims, XXXX accounts, online payments, even XXXX refuse one now. 
My ex finance stole my information him ( XXXX XXXX XX/XX/XXXX ) and his girlfriend XXXX XXXX took advantage of my mental illness and took everything from me. I I dont know what to do. Its been months, things are getting worst. He even sends fake letters requesting money. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received, from a third party debt collector called XXXX XXXX XXXX XXXX XXXX, COPIES OF MY PRIVATE ACCOUNT STATEMENTS. I NEVER authorized Bank of America to release my PRIVATE account information to anyone. This is in direct violation of several Federal laws and does not prove anything about 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 2023-08-02
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:
I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 explanation
Consumer complaint received 2023-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates has continued to call my cell phone after I have asked them not to back in XXXX of this year. They have called me 2x in a row today at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: SC
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: KY
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:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance XXXX {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} XXXX DPT EDXXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX XXXX claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with LVNV Funding, LLC, c/o Resurgent Capital Services L.P . I DID NOT ASK for it nor are they privy to contract with me. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX has been negatively reporting on my credit report for 1 YEAR and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE LVNV Funding, LLC, c/o XXXX XXXX XXXX L.P. and original creditor anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Upgrade, Inc.
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was put on part-time for work and fell behind on my Loan. In XXXX of XXXX  I reached out to upgrade with options to get caught up. They mentioned the hardship program and how it worked and they would put me on bi-weekly payments to catch up on my loan. They put me on bi-weekly payments which were paid. They failed to mention that this won't actually help me catch up from being late and were still charging interest and my payments weren't actually making the full payment. They charged off my loan. When I called they said I was never enrolled in the hardship program even though they told me this would help me catch up and I would not be late. They ended up telling me I can't enroll in the hardship now because I was too far behind and they ended up charging off my loan. I asked for them to review the call where the associate first set up me and they refused. They now ended up charging my loan off and putting a default date of XX/XX/ even though I was making the payments they set up for me until they charged it off XX/XX/XXXX  which they set up as part of the program I was apparently never enrolled into.

Company response to consumer: Closed with explanation