BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am requesting XXXX XXXX XXXX for closed acct # XXXX to remove the wrongly and false accusation of a late payment prior of closing account. XXXX XXXX the payment was not late and proccessed prior to account closure date. this is affecting 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 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 2022-12-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
When I pull my credit report my name is always spelled incorrectly. In the past I was a victim to identity fraud. My name is XXXX XXXX. When I get credit reports back from each bureau they spell my name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Apparently, in XXXX the escrow account for my mortgage increased without my prior knowledge or notification from my mortgage company. I made the regular payment and noticed my credit score dropped in XXXX. Mind you, I have pridefully increased my credit score by almost XXXX points to secure funding for a pharmacy that I want to buy in the community that I live in. I called the mortgage company to inquire on the late payment and they said that my payment was {$50.00} short, and they will not remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: LEXISNEXIS
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:
Hello, In XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy and compliance of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 
They responded back and said it was verified as accurate. I sent another letter to them in XXXX requesting the procedure that they used to verify the accuracy and to also send me copies of names, addresses and phone numbers of each person they contacted from the court. 
They responded back with a letter saying that I requested them to initiate a dispute on my behalf with XXXX XXXX and XXXX, and that I would have to dispute each agency separately myself. THIS WAS NEVER IN MY LETTER!!! 
Also, In XXXX, I requested that LexisNexis put a security freeze on my report. That was granted on XX/XX/2018 and is still in effect today. 
Because they failed to provide me the information that I initially requested, I sent them another certified letter in XXXX requesting the same information to either be accurately verified or removed from my report. 
This time, they NEVER RESPONDED AT ALL! So, I sent them another certified letter in XXXX to inform them that by not replying in a timely manner to my initial letter dated XX/XX/2018, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Then, for whatever reason, they initiated an investigation with both XXXX  and XXXX  without my knowledge, nor my permission, and responded back saying that the public record on my report had been verified, and that the source of their verification was XXXX??? At this point, I realized that they are just playing games! 
However as one last act of good faith, I sent out two more certified letters to both LexisNexis headquarters and to the CEO of the company on XX/XX/2018 asking still, for the proper proof of verification from the court. 
They both responded with the same letters saying that I need to launch my own separate investigations with XXXX XXXX and XXXX! 
This is ridiculous! 
I'm tired of playing these games with them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear XXXX I have submitted to the CPFB a complaint and have attached proof of All documents and requests. 

NOTICE OF INTENT TO FILE FORMAL FTC COMPLAINT RE : Dispute Letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( contacted fraud dept XX/XX/XXXX XXXX as well as XX/XX/XXXX - XX/XX/XXXX, daily with no resolution. You still have not provided any proof of documents and where and from whom you obtained those documents. 
I have sent 3 letters asking for a correction to my credit report and have received no response.

This letter is formal notice of my intent to file a complaint with the Federal Trade Commission. 

The mailing receipts indicate that you received my letters. Copies of the original letters are included with this letter showing the items that need correction. Under the Fair Credit Reporting Act, you have to address disputes within 30 days, and you have not done so. 

I expect action to be taken to address my dispute. After the correction ( s ) are made, please remove these items from my report. Please provide me with an updated credit report, and also send the report to any creditors who have requested my credit report in the last six months. I would also like the names, addresses and telephone numbers of the creditors who received my reports within the past six months. 

If you determine that no adjustments are to be made to my credit report, please provide the information you used to make that determination.

If I do not receive a response in the next 24 -48 hours, I will file a formal FTC complaint. 

Sincerely, 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 2017-05-18
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech performed an inaccurate Escrow analysis on my home and has increased my mortgage amount over the past two year s.      XXXX   County refunded Ditech {$2100.00} that was the amount of the over payment and the company has still not d isbursed my funds.     They also are not processing my mortgage payments because my payment amount is not the same as their overestimated mortgage amount that they have just increased on my end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX, TRANSUNION and XXXX have violated my rights ( 1 ) 15 U.S.C 1681 section 602A states I have a right to privacy. ( 2 ) 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. ( 3 ) 15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. ( 4 ) 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 know or have reasonable cause to believe that the information is inaccurate. I also have every open and close accounts number on paper if needed.

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 2019-07-20
Company: EQUIFAX, INC.
State: MD
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:
I have no knowledge of the following inquiry XXXX XXXX Inquiry from XX/XX/2018. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Was not notified of investigation status or results

Complaint:
This accounts has been disputed several times yet I have not received any response from the credit bureaus : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to file a formal complaint against Apple Card, issued by Goldman Sachs Bank USA, regarding serious violations of the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). I believe these violations have caused significant harm, including retaliation and financial damages. 

On XX/XX/, I was approved for an Apple Card credit account with a credit limit of {$10000.00}. However, Apple Card failed to provide me with the required GLBA compliance disclosure regarding my right to Opt Out of third-party sharing of my personal information, as mandated by 15 USC 6802 of the GLBA. Despite my subsequent exercise of this right by mailing a notice to Apple Card, explicitly denying consent to share my personal information with third parties, Apple Card reported my account information to the top three Credit Reporting Agencies ( CRA ) without adhering to my Opt Out request. 

Recognizing this as an impermissible disclosure of my personal information and identity theft, I promptly disputed these items with the CRAs and provided them with copies of my Affidavit and the Federal Trade Commission ( FTC ) Identity Theft Report. As a result of my dispute, the account and related inquiry were immediately removed from my credit reports.

In response to my exercise of privacy rights under the GLBA and FCRA, Apple Card, issued by Goldman Sachs, engaged in discriminatory actions against me, constituting a violation of 15 USC 1691 ( a ) ( 3 ). Apple Card retaliated by closing my Apple Card account, citing " There was a failure to comply with the terms of the Customer Agreement. '' I wish to emphasize that the Customer Agreement 's section on " Credit Information & Credit Reporting '' does not provide a compliant GLBA and FCRA disclosure, which is required by federal law. This disclosure should clearly explain consumers ' rights under the GLBA, specifically the right to Opt Out of third-party sharing, and the consequences of non-compliance by the financial institution.

Furthermore, after closing my account, Apple Card re-furnished the account information back to my credit report as " verified. '' This action is unwarranted and in direct violation of the FCRA, given that my dispute led to the removal of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mine nor have I provided written permission for use of my private information. The referenced account is not related to any transactions by me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Mobiloans, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I need XXXX to act as arbitrator in this case where the original lender and collection company evade their responsibility, thus damaging the client. Then the response of one ( Mobiloans ) and another ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2018-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.

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 2023-10-08
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan servicer is EdFinancial Services. I have created an account on their website. When I log in, the EdFinancial website tells me that " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I know that this is not true. I have tried calling, leaving messages and emailing EdFinancial Services. My student loan repayment starts this month and I have no way of paying, nor do I even know what my loan terms are or what my balance is. I am concerned that this will impact my financial standing. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( 4 in total ) Late payment in all accounts - XXXX XXXX Balance XXXX Act # XXXX Balance XXXX Act # XXXX Balance XXXX Act # XXXX Balance XXXX Act # 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 instruction

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 2023-02-24
Company: Assured Financial LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 I had a XXXX, I paid all my bills. During that time I received a letter from insurance that they have paid almost {$3000.00} for a device and I owe {$900.00}. I contacted the insurance and my doctor. My doctor office say I dont owe any money. I didnt receive any bills from medical supplies until now that Assured Financial LLC claims that I owe {$950.00} for a device that I never received. 
I call them to resolve the issue but they told me you need to pay, we dont care we are collector we get pay by hours, why you are calling if you are not going to pay. And ignores me saying I didnt do business with XXXX XXXX XXXX and my party is my doctor which says I dont owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

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