BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC Systems is attempting to collection a debt on my credit file that I do not owe. The original creditor is XXXX XXXX I did not receive any notices or letters of this debt. I only knew of the debt when I had my credit checked. As soon as I found out I called and paid it.This is a violation of my 30 day right to dispute and request that this debt be removed of off my credit. This debt is no longer owed.

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 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 request to investigate personal information as well as accounts I did not recognize on my XXXX  report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.

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 2023-07-21
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX DATE ( XX/XX/2023 ) {$560.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) {$220.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) XXXX I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : BK OF AMER XXXX Date Opened : XX/XX/2019 Balance : {$0.00}, BK OF AMER XXXX Date Opened : XX/XX/2019 Balance : {$0.00}.

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 2020-01-06
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
{ 15 U.S.C 1681 ( a ) ( 2 ) an elaborate mechanism must be developed to investigating and evaluating the credit worthiness, credit standing, credit capacity character and general reputation of consumers. 

I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. 
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable suable monetary award I can seek ) in damages for one or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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:
IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!

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 2022-11-22
Company: EQUIFAX, INC.
State: WA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to update or correct these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-22
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My TD bank account was compromised and I have been charged at least {$3500.00} in fees for the year for returned items and unreal charges. I have tried to get help and have reported my account compromised numerous times. They have never done anything.I am going to take legal action if something is not immediately done. This is illegal and disgusting of a bank to victimize me more after stealing thousands of dollars from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXXXXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX : {$990.00} XXXX XXXX XXXXXXXX XXXX : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX ) XXXXXXXX XXXX XXXX  {$610.00} ; XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  {$100.00} XXXX XXXXXXXX  XXXXXXXX XXXX XXXX  {$25.00} ; XXXX XXXXXXXX XXXX : {$1900.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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:
Hi I am submitting this 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 719XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 2023-02-23
Company: EQUIFAX, INC.
State: NY
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:
I am writing to express my complaint about the erroneous account information that was registered on my credit report. This inaccurate information has breached my privacy rights and my right to confidentiality as laid out in the Fair Credit Reporting Act. According to the act, the list of accounts below has infringed upon my federally safeguarded consumer rights to privacy and confidentiality stipulated in 15 USC 1681. 

XXXX XXXX : XXXX XXXX XXXX & XXXX : XXXXXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) must have reasonable procedures in place to ensure that the information they provide to third parties is accurate and up-to-date. Additionally, 15 U.S.C 1681 Section 602 A states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 states that a CRA can not furnish an account without my written instructions, and 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no CRA may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am an American citizen and have lived outside the United States sine 2008 and have become aware my identity and personal information may have become compromised in the US. 

I have attempted to place a security freeze on my account and request a copy of my credit report by mailing Experian at XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX. I submitted my US Passport, proof of my address, a pay stub and a utility bill. I have attempted to phone them. 

They have sent back a letter saying they need more information ( which they already have ) and have asked me to submit these documents by mail or online. When I upload it online is blocks the request repeatedly due to my IP address being outside the United States. 

I feel that because I live abroad I'm unable to take proper care of my credit profile and history.

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 2019-01-15
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls from this phone number they leave a message but other it just rings and then if i do not answer they will call again the next minute. I get a minimum of 4 phone calls a day and up to 5. f or example on
XX/XX/2019 XXXX called at XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX on XX/XX/19 XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX and it is like this Monday through friday.

Pacific standard time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation