BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
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: Their investigation did not fix an error on your report

Complaint:
I have disputed and sent documents of incorrect information on my credit report so many times there is always an issue with them according to them they update info that looks the same as the last report or they report that agency reported it was accurate even with the documents the collection companies tell me they could find my file or unable to sent me documents that verify the debt is mine I have been doing this for a year now and still cant get a solution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 602 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 conviction 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 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment 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 2022-07-25
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax dated XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX has violated my right as stated. 

XXXX5 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.

This inaccurate information reporting on my credit reports with XXXX  and Equifax is negatively impacting my credit score and ability to obtain new credit and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion dated XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with XXXX, and 7 charge offs with XXXX. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX XXXX took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-03-04
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 belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} TD XXXX XXXXXXXX XXXX XXXX : {$1600.00} XXXX XXXXXXXX XXXX Balance XXXX {$1500.00} XXXX XXXX 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 2023-02-27
Company: CCF Intermediate Holdings LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Good evening I went online to apply for a loan so that I could fix my bathroom wall a loan place named speedy cash loan popped up so I applied upon applying they requested my banking log ins and I'd to verify my account they said I was approved for XXXX then changed it to XXXX the XXXX XXXX XXXX I woke up to random deposits in my account for XXXX twice and a refund amount into my account from a XXXX payout I did to a contractor from XXXX the loan people called me and told me that I needed to send them the money from the XXXX deposits and the refund via XXXX as it was only deposited into my account to be sure my account was valid which didn't make sense to me but they said to send the XXXX so I said if u deposited into my account then take it out of my account immediately they said they couldn't and I had to XXXX it back to them thus I said send me an office and they said they could not and that the only way was to XXXX it back this I did for the XXXX twice to a weird XXXX XXXX they provided and told them I didn't feel comfortable and to withdraw my loan application immediately I went to my bank and explained the situation to my bank they advised to close my accounts my personal and my business right away thus we did and advised to add fraud alert to my personal credit and to file a Police report as there was reason to believe this was a fake loan company scamming

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am a victim of identity theft please remove this fraud inquiry from 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 2023-02-27
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX, Account Name : XXXXXXXX XXXX/Account # XXXX, Account Name : XXXX /Account # XXXX, Account Name : XXXX XXXX XXXX XXXX/ Account # XXXX, Account Name : XXXX XXXX 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 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 2021-03-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
HSBC current account was created in XXXX. The amount I deposited is with HSBC. I can't make bank to bank transfers or make bill payments because there is serious bug in their website that affects only my account and not other customers maybe. 

HSBC has put me in a vicious circle - The expect me to chat online through internet banking. When they fail they ask to me to call the helpline. When they fail, they send me back to the online chat. The vicious circle goes on and only wastes my time. 

HSBC has admitted that its a complex issue and they have kept me waiting for 2 months in the hope of getting a response from IT team. 

I am emailing them daily by they only give assurances if 3 days and then they default on their commitment every time. 

SEVERAL COMPLAINTS AND NUMEROUS PHONE CALLS HAVE BEEN MADE with several man-hours wasted in the process. 

Complaint 1. XXXX is the complaint registered in XXXX XXXX. 

Complaint 2. <case XXXX is pending with manager XXXX XXXX Complaint 3 : XXXX Complaint 4 : Higher level complaint number on XXXX XXXX, 2021 - XXXX Routing Number : XXXX Swift Code : XXXX XXXX ( CHIPS ) XXXX Account number to transfer funds into at HSBC HSBC 's address ; HSBC Bank USA , N.A. XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 belongs to someone else

Complaint:
I have been submitting multiple letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion ( 1 ) XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2 ) XXXX XXXX XXXX XXXX - XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX - XX/XX/XXXX ( 1 ) Never applied for a XXXX  XXXX consumer product. XXXX XXXX averred that they sent all 3 major credit bureaus a letter stating that they did not have my personal data archived. I asked for a copy from XXXX XXXX and they did not provide it. However, XXXX removed the inquires from my consumer file. 

( 2 ) I did not apply for a XXXX XXXX XXXX XXXX consumer product. I already had a credit product with them. 

( 3 ) XXXX XXXX XXXX stated they did not have any of my personal data within their archives and that I never applied for credit with them. They refused to give me a letter stating that. TransUnion still refuses to remove the erroneous hard inquiry.

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 2022-03-14
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, XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX XXXXe Account # XXXX, XXXX XXXX XXXXk Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXXccount # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Bank Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, NXXXX XXXXt XXXX XXXX Account # XXXX, XXXXe Account XXXX XXXX XXXX XXXX OF XXXX Card Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXt # XXXX, has violated my XXXX. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 2019-08-30
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my DL for proof of ID Please update my address to XXXX XXXX XXXX, XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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: Old information reappears or never goes away

Complaint:
( 1 ) there are four accounts that are closed & older than 7 years old & legally should be removed from my credit reports ( 2 ) there is one account holder who report negative items three times two show no balance & as paid why aren't they removed if the reflect no outstanding balance ( 3 ) the company isn't allowing me to dispute any of this saying I already filed a dispute. That dispute was filed one to two years ago & they still didn't fix it then. I called they assured me the items would go away but they didn't. 

( 4 ) isn't allowing me to update my personal info w/o calling. & calling is a forever hold type of thing.

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 2023-08-01
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
CPS - CONSUMER PORTFOLIO SERVICES, REFERENCE TO PREVIOUS CASE : XXXX YOU DID NOT ANSWER MY CONCERNS. THE ANNUAL PERCENTAGE RATE EXCEEDS THE STATE OF FLORIDA USURY LAWS. THIS IS SOMETHING A " NATURAL '' PERSON WOULD NOT THINK TO LOOK INTO BEFORE PURCHASING A PRODUCT OR SERVICE THAT INCLUDES AN ANNUAL PERCENTAGE RATE. I AM REQUESTING THE INTEREST RATE BE REDUCED TO THE MAXIMUM ALLOWED UNDER FLORIDA LAW AND ALL INTEREST PAID, EITHER ISSUE A REFUND OR APPLY IT BACK TO THE LOAN AFTER RESTRUCTURING. ALSO, NOT ALL PAYMENTS WERE APPLIED TO INTEREST. PLEASE PROVIDE PROOF THAT EVERY PAYMENT MADE A PORTION WAS APPLIED TO PRINCIPAL. FURTHER MORE, I HAVE REQUESTED FOR THIS CASE TO BE PUBLISHED IN AN EFFORT TO ALERT POTENTIAL BORROWERS BEFORE SELECTING CPS. I BELIEVE THIS IS A FORM OF PREDATORY LENDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}

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 non-monetary relief
Consumer complaint received 2022-03-13
Company: NAVY FEDERAL CREDIT UNION
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:
XXXX XXXXXX/XX/2022 {$270.00}, XXXX XXXX XXXXXX/XX/2022 {$4700.00} Navy Federal credit union XX/XX/2022 {$26000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am being charged for an alleged debt, and I never entered into a contract with L J ROSS ASSOCIATES IN. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. They also never provided me with any written notice or right to dispute the debt before publishing it to my credit report. These acts are severely prohibiting my ability to access my own credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation