BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NY
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 last XX/XX/XXXX XXXX XXXX to update this suspicious information. I think you have not validated these items 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Many of my rights under the Fair Credit Reporting Act have been violated. Although the original contract was not provided as I asked, they provided documents that stating factual evidence to support their assertion and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ), and 15 USC 1681 ( a ) ( 3 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/2021 I XXXX XXXX PULLED MY CREDIT REPORT AFTER CHECKING MY MAILBOX ABOUT OTHER UNKNOWN STUFF THAT CAME IN FROM A PREVIOUS DAY AND NOTICE THAT CAPITAL ONE RAN MY CREDIT WITHOUT MY PERMISSION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHY ARE THESES GUYS RUNNING MY CREDIT REPORT SO OFTEN?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My fiance and I travelled to XXXX. While there, we were approached by a gentleman who gave us tickets to a " celebration. '' We later discovered, it was not a celebration, but rather a sales pitch to purchase a luxury vacation package. The pitch started around XXXX XXXX  at night and lasted through XXXX XXXX. We were told that if we bought into this special VIP luxury package, we could book luxury hotels and/or villas for a week at prices beginning at {$240.00} to {$3900.00}. The initial cost was {$26000.00}. My fiance said, " Never in a thousand years. '' Finally, they negotiated down to {$6000.00}. We agreed. I paid {$4000.00} and my fiance paid {$2000.00}. 

This was on XX/XX/2021, at around XXXX. On XX/XX/XXXX, they picked us up from our hotel to explain what we purchased and to sign the contract/Agreement. Before we signed, we went through the entire process, from start to end. We acted as though we were purchasing a week in the hotel where we were signing the Agreement. We were told, " {$2900.00} for the week. '' So we signed and agreed. 

We arrived back to the US on XX/XX/XXXX and on XX/XX/XXXX, my fiance attempted to book the hotel we had just simulated in XXXX with the company. It took over a week before we could finally get any answers. When we did get an answer and a quote, it was {$77000.00}! Luckily, since they were taking so long in getting back with my fiance, my fiance cancelled the package on XX/XX/2021 -- within the 4 day cancellation policy. 

I have tried to dispute the charges with my bank BB & T, but they are refusing to refund the money. My fiance 's bank, XXXX XXXX, has refunded his payment. We have received nothing from this company -- absolutely nothing. They are a scam company who has scammed us out of our money. They now are saying that the prices that were quoted to us during the presentation are for " service fees '' and that we are still required to pay the full price for the hotel and/or villas. This is NOT what they told us or showed us through the simulation. We were also supposed to be given a XXXX account within 8-12 weeks. We were never given that. We have nothing. Nothing at all. The bank BB & T must refund the money paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have an unauthorized inquiry from XXXX  XXXX on my credit file.

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: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a complaint to XXXX XXXX , XXXX for violating multiple laws in regards to the following account # XXXX. I had filed a cfpb complaint against this company to which they had responded that I had sign the contract. However, in XXXX XXXX , XXXX terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit bureaus is an affiliate. XXXX, Equifax, and XXXX is not an affiliate of XXXX XXXX , XXXX because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this information. If they can not provide this, then they must remove this account from all consumer reporting agencies such as XXXX, equifax, and XXXX, and any and all other 3rd party agencies. Further more, this company is violating the fair credit reporting act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX, XXXX ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX, XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. There are two inaccuracies with this account. The first is both Equifax and XXXX are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2021 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to remove this account from my consumer reporting a.k.a credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
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: Information belongs to someone else

Complaint:
Upon checking my report, I noticed Equifax still reporting in inaccurate information. The following accounts are fraudulent. Equifax is the reporting agency who keeps saying its verified. How can Equifax verify a fraudulent account. 

1. XXXX XXXX ( XXXXXXXX XXXX ) {$350.00} Ive never done business with this company or entered into a signed contract. Its fraudulent!! 
2. XXXX XXXXXXXX ( XXXX ) Ive never done business with this company or entered into a signed contract. It Fraudulent!! 


Please See Attached Ftc Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I called Lightstream because I did get a loan from XXXX for a debt settlement with a much lower interest rate. 
Light stream is making me pay the loan off on Thursday, XX/XX/XXXX when I want to pay off the loan today to avoid excessive interest fees. 

They told me I could not pay off the loan today Tuesday, XX/XX/XXXX and I had to wait until Thursday, XX/XX/XXXX this is illegal and I want Lightstream to pay me back the interest I was over charged about {$400.00}.

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 2023-08-02
Company: EQUIFAX, 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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have prepaid my loan account completely but the credit report is still showing that I have pending loan amount for that account which is inaccurate and affected my ability to access a new loan from the market. The amount shown as debt is also inaccurate and the number of accounts open are also inaccurate. I was denied a personal loan despite having a credit score of XXXX and XXXX late payment. My income is also way more than the debt on record. Kindly help. 


XXXX XXXX : Original Loan : {$4000.00} prepaid in full ( See the attachment ) Total number of Account open : XXXX Shown on credit report : XXXX Total debt shown by Experian : {$7700.00} this includes prepaid XXXX personal loan of {$1000.00} Actual credit card balances : {$4600.00}

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 2023-08-03
Company: EQUIFAX, INC.
State: FL
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 items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08
Company: AmeriCollect
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I attempted to dispute these medical bills 7 times in the past 2 years. For 4 years Ive recieved state food and health benefits because my mom is XXXX and i am also unemployed.. my XXXX XXXX XXXX XXXX insurance covers the treatment i recieved on ALL the bills associated with americollect. These negative inquiries on my report have been invalid for years. The poor credit score im condemned to, is a misrepresentation of me and my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: FL
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. 

Account Name : XXXX XXXX Account Number : 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 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 of 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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A XXXX XXXX ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The XXXX are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff 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 non-monetary relief
Consumer complaint received 2021-08-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I scheduled a wire transfer on XXXX early morning to a gardener contractor for some backyard work. The wire never got approved on XXXX and still shows a review status on XXXX. I was about to call ally and see whats going and only found out they locked my account without any notification. I called their support on XXXX and got transferred to their back office and answered several security questions. After the agent finally has assess to my account, she later found out she didnt have the authority to do anything and advised me to continue to wait. At the mean time I may end up having to cash out some of my funds in brokerage account just to pay for the home remodeling.

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 monetary relief
Consumer complaint received 2023-10-26
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have other insurance that was reimbursed toward my payments some how they took it plus vehicle was total loss I have gap plus my insurance was covered it they are over charged me while they getting their money and sent to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Old information reappears or never goes away

Complaint:
I HAD AN ACCOUNT WITH XXXX THAT WAS CLOSED AND BROUGHT TO COLLECTIONS.. I'M HOMELESS AND XXXX, AND I'M ON A FIXED INCOME..I CONTACTED THE COLLECTION AGENCY AND TOLD THEM MY SITUATION..WE CAME TO A SETTLEMENT AGREEMENT OF $ XXXXTHE BILL OWED TO XXXX WAS {$260.00}. THE COLLECTION AGENCY AGREED WITH SETTLEMENT, AND TOLD ME ACCOUNT WOULD BE REMOVED FROM MY CREDIT IN NEGATIVE STATUS..UPON PAYING THE AGREED SETTLEMENT, IT IS STILL SHOWING ON ALL 3 CREDIT BUREAUS AS A CLOSED ACCOUNT AND SHOWING THAT I SETTLED ACCOUNT FOR LESS THAN WHAT WAS OWED ... THAT REPORTING HAS BEEN AFFECTING MY LIFE NEGATIVELY..I CAN'T GET HOUSING RIGHT NOW BECAUSE OF THIS BAD REPORT BY XXXX..MY CREDIT SCORE WAS OVER XXXX , AND XXXX FLAGGED MY CREDIT FOR COLLECTION..SINCE THAT XXXX REDUCED MY CREDIT XXXX POINTS FOR THAT ACCOUNT WITH XXXX, EVEN AFTER AN AGREED SETTLEMENT WAS PAID..THEY REDUCED MY CREDIT TO A POOR RATING, FROM A GOOD RATING IN LESS THAN ONE MONTH..I ASKED THEM TO REMOVE SUCH NEGATIVE REPORT, AND THEY REFUSE TO.. XXXX HAS TAGGED THAT ACCOUNT TO BE REMOVED IN XXXXTHE COLLECTION AGENCY AGREED TO SETTLE OUT WITH ME AND THAT THE ACCOUNT WOULD BE REMOVED FROM MY CREDIT REPORT ... NOW XXXX HAS DAMAGED MY NAME AND CREDIT WORTHINESS..I HAVE NO OTHER OPEN ACCOUNTS ..I BASICALLY HAVE NO CREDIT, BUT THE ACCOUNT I HAD WITH XXXX THEY ARE REFUSING TO REMOVE FROM MY CREDIT REPORT.. I'M HOMELESS IN CALIFORNIA, I'M TRYING TO GET HOUSING.. EVERY TIME A MANAGEMENT COMPANY CHECKS MY CREDIT THROUGH XXXX, THEY GET A POOR CREDIT RATING, BECAUSE OF THE REPORTING OF XXXX THAT I SETTLED OUT WITH IS SHOWING ME IN A NEGATIVE WAY ... I DON'T THINK A CREDIT AGENCY SHOULD BE USING THESE MALICIOUS TACTICS THAT IS AFFECTING MY LIFE NEGATIVELY WHERE I CAN'T GET HOUSING..ITS WRONG AND DISCRIMINATORY..I HAD GOOD CREDIT..THEY ALSO ARE SHOWING THE LATE PAYMENTS FOR THIS ACCOUNT ON MY CREDIT REPORT, AND I BELIEVE THAT IS ILLEGAL... XXXX AND EQUIFAX HAS MY CREDIT SCORE ABOVE XXXX, EVEN WITH THE XXXX THERE, AND XXXX HAS MY SCORE BELOW XXXX, SHOWING ME AS HAVING BAD CREDIT AND CAUSING ME TO NOT BE ABLE TO GET HOUSING HERE IN XXXX XXXX CALIFORNIA..WHY IS THIS CREDIT AGENCY HOLDING MY LIFE HOSTAGE WITH A 3 DIGIT REPORTING NUMBER... THEY SHOULD NOT BE REPORTING A CLOSED ACCOUNT, THAT WAS PAID ON..

Company response to consumer: Closed with explanation