BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I keep getting misinformation in regards to my employment certification form for the public loan forgiveness program. I've been told multiple incorrect things and they never update my qualifying payments section when they say they will. This is beyond frustrating and totally unfair to borrowers that can not choose their own servicer and who are counting on loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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 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 validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : 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 explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: MI
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:
XXXX. XXXX. XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I received a letter from Chase Freedom Visa Platinum that they were unable to approve this account. I never applied for this credit card. The letter is dated XX/XX/2023. The application apparently had my previous married name with a middle initial, which I do not have a middle initial. My street address was correct, but the city was the township I live in. Apparently the person that filled out the application has their last four digits on the application as XXXX. This also is not my social security number. I called Chase bank and explained that this must be identity theft as I did not apply for a credit card. They referred me to the Fraud Department where I made a report and they sent me a " kit '' that I must follow in order for them to send me a copy of the application details. You are my first of many items I must complete in order to try to resolve this problem. Just a note : this happened to me last year with XXXX XXXX XXXX and the same last four social security numbers ( XXXX ) were used. I did not get the application information from XXXX as I had put a Fraud Alert on my credit and bank accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 2023-07-15
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:
I was trying to buy a house and I realized I had damages on my credit report and according too FCRA 15 U.S.C. 1681 law there should be no damages to my report this is a defamation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2022-10-14
Company: PLANET HOME LENDING, LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Improper collection of taxes After receiving the requested information ( evidence of tax payments, indicating the institution that made them ), I went to the tax collector agency to confirm if these payments were credited to my account. The following was found : 1. Check number XXXX for the amount of {$3400.00} has a cadastre number written on it that does not correspond to my property. So that amount is not credited to my property. 
2. My property has another number in the registry. At the moment it has not been assessed for tax purposes.

3. The person in charge of evaluating the accounts was not available that day, so they gave me an appointment for Thursday, XX/XX/XXXX, to analyze the account, find out the whereabouts of the other check and, if necessary, make the corresponding claim. 

Due to the foregoing, I request that the collection of this money ( {$3400.00} and {$860.00} ) be stopped, until it can be verified beyond a reasonable doubt, that they have been allocated to the taxes corresponding to my property. At the time of writing this claim, I do not have the {$530.00}, which the institution determined to charge me, in addition to my monthly payment. I can and wish to continue paying the {$780.00} corresponding to my monthly payment, while this situation is clarified. I resort to sending this request through this agency, for the prompt response, as opposed to resorting directly to the institution. I await your response for the benefit of both parties and that my credit history is not affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: VA
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 entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my XXXX XXXX card into the program. I completed the program and paid all of my creditors in full. All three continue to report incorrect info to am three credit reporting agencies. Equifax, specifically is reporting the incorrect account number. On all three report the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full. Not only ate they reporting an incorrect status, on XXXX they are reporting an incorrect write off amount. There are several errors and inconsistencies among a three reports. I am filing a complaint so that I can find resolve as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered s debt relief program to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The niece put in for a card with Victoria 's Secret, asked me if I wanted to be included on it, I said yes. It was before XXXX of XXXX  I informed the niece that it would be her XXXX present. The bill came late in XXXX. We paid it and included was a note by us saying that the Victoria secret was late sending the bill. In XXXX the bill came without the payment that we sent previously being credited to the account. My niece called them and was put on hold for XXXX XXXX. after talking to someone at Victoria secret 's space command the niece informed me that we are going to have problems with these people. In the interim I had audited my checks to see which ones had been cashed by them and which ones were still not cleared. we came to the realization that they ( Victoria secret had been overpaid ). My niece again called them a few weeks later around XXXX and got someone from a different galaxy. My niece informed Victoria secret that we had not signed up for the headache, the insurance scam they were adding to the account and the late fees. The niece had retuned some of the items purchased and the credit was not being shown on the account. I called Victoria secret in XXXX, pointed out the discrepancies to them. I stated to my niece that the Victoria secret people are not from this planet. My niece apologized and said I'll use the XXXX XXXX next time if there is a next time at Victoria secret.XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The Credit bureaus stated Account Name XXXX XXXX XXXX  & Account # XXXX properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on my credit report as well

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022

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 2021-05-26
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Bread Financial Holdings, Inc.
State: CT
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, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan, as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Every time I ask for my bankruptcy to be removed you state it is verified. We are past that. It doesnt change you violated 15 USC 1681 A AND 4. Indeed, the Fair Credit Reporting Act ( FCRA ), specifically in section 15 USC 1681 ( a ) ( 4 ), emphasizes the importance of consumer privacy rights. This section acknowledges and establishes that individuals have the right to privacy when it comes to their consumer information. It requires consumer reporting agencies to maintain reasonable procedures to ensure the confidentiality, accuracy, and security of consumer data.

The FCRA sets guidelines for how consumer information is collected, shared, and used by credit reporting agencies, and it grants consumers certain rights, such as the right to access their credit reports, dispute inaccuracies, and protect their personal information from unauthorized access.

The correct reference is 15 USC 1681b, which outlines the permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ).

Section 15 USC 1681b establishes the conditions under which consumer reports can be accessed and used by various entities, such as employers, creditors, insurers, and landlords. These permissible purposes include : 1. To evaluate a consumer 's creditworthiness before extending credit or issuing insurance.

2. To review an individual 's suitability for employment purposes.

3. To underwrite insurance policies or assess claims.

4. To evaluate eligibility for government licenses or benefits.

5. To conduct a legitimate business transaction initiated by the consumer, such as opening a bank account or entering into a rental agreement.

6. To gather information for legitimate business needs in connection with a business transaction involving the consumer.

7. To comply with a court order or federal, state, or local laws requiring the disclosure of consumer reports.

It's important to note that these permissible purposes are defined by the FCRA and serve as a framework for protecting consumer privacy while enabling appropriate access to consumer information when needed.

Please remove Bankruptcy from credit report. This is identity theft. Bankruptcy court does not furnish anything to credit agencies due to privacy violations

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 2023-05-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern The late payments status on my credit report are invalid and inaccurate. I have requested credit reports agency. Credit Bureau fail to verify inaccuracies.I have not received supporting verification of documents of being late on account This a violation of 15 usc 1666 b Please delete the inaccuracies. 

XXXX XXXX XXXX  date XX/XX/22 XXXX XXXX XXXX Date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MO
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 2023-10-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I ordered some charms through XXXX. The charms were not delivered and I requested a refund for all the items. Since XXXX was taking too long to provide the refund I contacted my bank and requested a dispute. On XX/XX/, Citibank denied the dispute based on what XXXX claims is a venue made up of independent sellers. But on XXXX XXXX XXXX  XXXX agreed to refund the amount of the purchase but the credit never went through supposedly because I was disputing the charges with my bank. I have letters proving my claim. The original amount purchased was {$300.00}, but they did refund me back {$220.00} and I'm still missing {$73.00}. XXXX is stating that they can't provide me with the credit due to the bank dispute.

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 2022-08-30
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation