BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX us dept. of ED/XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-06-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; 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 non-monetary relief
Consumer complaint received 2019-09-17
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:
HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, XXXX, EXPERIAN FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, XXXX   DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND XXXX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO EXPERIAN REPORTS A FRAUDULENT COLLECTION TOO.

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 2023-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CARD ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx. 6 years ), XXXX also stated " Average age of your accounts : 7 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101. 
In the consumer report dated XX/XX/XXXX, Equifax stated " Your oldest account was opened : 10 months ago ''. In that same report, Equifax reports an open account " XXXX  XXXX  - ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx.11 years ), Equifax also stated " Average age of your accounts : 9 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: Information belongs to someone else

Complaint:
a lot of information on my credit report is invalid I am disputing all incorrect information on my credit file with Transunion to correct 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 2021-07-20
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I called my mortgage servicer, Loancare, to pay my monthly mortgage payment. I was advised that the payment increased from {$740.00}, that was paid post-forbearance and loan modification in XX/XX/2021 and XX/XX/2021, to a current payment amount of {$1000.00}. I was given no written or verbal notification of this increase in payment. Between XX/XX/2021 and XX/XX/2021, I made 10 calls to Loancare in attempt to get an explanation for the payment increase. I was told by three different representatives that I owe three different monthly amounts. The rationale varied from an escrow shortage, HUD tax lien, being on a trial payment amount and finally a large increase in my local school taxes. Any attempt to speak with a Manager resulted in either a disconnected call or two hour wait with no one answering or no return call.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-05-02
Company: Capio Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency Capio Partners, Located in XXXX, TX. Contacted me om XX/XX/XXXX of this year, concerning an alleged medical bill debt in the amount of XXXX dollars. 

On XX/XX/XXXX of this year. I responded with a certified debt validation letter. This letter requested Capio Partners to provide me proof of the original purchasing agreement, that shows Caprio Partners is the legal owner of the said debt, if the debt started with another company. please provide the name, account number, and purchasing agreement. 

I requested, Capio Partners proof if the company is licensed to collect debts in my state. Also to provide the date of license, and license number. On XX/XX/XXXX of this year. I received a letter from Capio Partners. Alleging this information regarding this debt was verified. Capio Partners didn't provide me with any of detailed items, I requested from them in my debt validation letter, Also Capri Partners responds exceeded 30 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Copy of letter sent to company. The first letter I cancelled account. 


Dear American Express Agents : Acct ID : ... ... ... ... ... ... XXXX XXXX : Acct # ... ... .. 
I recently received correspondence from your company. It was very stressing and frustrating to receive such a letter dated XX/XX/19. 
I am afraid there is some confusion on your side. I would urge you to have a qualified individual review my case. 

For you information, I cancelled this credit card months ago since I had no need for it anymore, am using other accounts more frequently and to save an annual fee ( continue to charge me $ XXXXlate fees ) .. 

In my last use of the AE card, I received a credit from the XXXX merchant for {$44.00}. Part of it paid an automatic payment that wasnt correct. But its okay, I received credit from with the XXXX XXXX  merchant. 

Although, the credit did pay for that automatic payment to XXXX XXXX 
That would leave a credit to me for {$21.00} on the AE account. This means you owe me a refund of same. Instead you have chosen the opposite and decided to keep the funds. I consider that theft. 

I had received a letter of cancellation from you. Why would you continue charging me unjustifiable? Why do you want to damage my reputation? 
Dont feel rejected because I will not be doing profitable business with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America Withheld n Delayed Pandemic Monies causing me to b evicted from rental.

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 2022-12-01
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:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and I am hoping that these accounts will be corrected. 

XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$330.00}

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I informed XXXX of the violation of the HIPPA and FDCA laws they have violate. They have fail to respond and have damage my reputation. I do not owe this alleged debt.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX ). XXXX XXXX Bank ( XXXX ) Account # XXXX XXXX ). XXXX Bank ( XXXX ) Account # XXXX Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-01-25
Company: Experian Information Solutions Inc.
State: TN
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:
EXPERIAN IS SHOWING INACCURATE MISLEADING FRAUDALENT INFORMATION ON MY CREDIT REPORT THAT THEY WILL NOT REMOVE. STUDENT LOANS FOR XXXX  THAT WERE NEVER LATE, AND XXXX UNIVERSITY THAT THEY DONT HAVE ANY KNOWLEDGE OF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unknown accounts on my credit profile. I am needing these accounts removed immediately. If for some reason the following accounts that are listed on the attachments that I have uploaded come back validated, I need the contract with my wet signature. A bill, statement, or payment history is not validation of debt. Please remove these unknown accounts off my credit profile asap.

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 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019, I submitted a personal loan application to consolidate debts to XXXX XXXX XXXX XXXX XXXX, understanding that according to my credit report I have a good credit to receive a good interest rate. The loan was approved but at a very high interest rate, and the bank indicates me that the credit score they received from Transunion is XXXX, which is not the same as the report that I received from the TransUnion, which is XXXX. On XX/XX/2019 I called TransUnion and requested my credit report and my credit score again and they certify that my credit score is XXXX. On XX/XX/2019 I called the bank and send the credit report that a received but the bank indicates that they can not use the report that I have from Transunion since they received other information from their credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unknown accounts on my credit profile. I am needing these accounts removed immediately. If for some reason the following accounts that are listed on the attachments that I have uploaded come back validated, I need the contract with my wet signature. A bill, statement, or payment history is not validation of debt. Please remove these unknown accounts off my credit profile asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 to update or correct 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: Rocket Mortgage, LLC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am from XXXX XXXX, I met a guy on XX/XX/2019 around XXXX local time, who claim himself come from New York, and will stay in XXXX XXXX for work for a week. 
We exchanged contact number ( His Number : +XXXX ( XXXX ) XXX-XXXX ) for XXXX XXXX tourist information. 

Today XX/XX/2019 XXXX local time, I got a XXXX message from someone's Number +XXXX ( XXXX ) XXX-XXXX, which display he is from QUICKEN LOANS INVESTMENT, and said I applied for loan. 
I do straight rejected, and tell, I didn't apply for any loan, and ask to close case and delete my number. Then with no reply. 


I hope to protect my number and avoid any cases. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TX
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:
I have been a victim of Identity Fraud. Some thief opened a XXXX XXXX card in XX/XX/2023 with my social security number attached to it. I recently found out about it at the end of XX/XX/2023 when my XXXX card I have in my possession was closed. I received a letter and called the customer service dept to inquire about what happened to my acct. I was then informed about the XXXX XXXX. I quickly informed them I have not opened a XXXX XXXX  with XXXX. I was informed about the fraudulent charge total, the incorrect email address on file, the incorrect mailing address and the incorrect phone number attached to this XXXX XXXX. I later called back to confirm if this account was also closed along with my original and my only account I ever opened with XXXX. I was told it would take up to 90 days for an investigation to be processed. I have sent them a certified letter with an identity fraud affidavit, police report, credit dispute letter, FTC complaint letter and identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This situation on XX/XX/2019 involves XXXX XXXX bank loan intake and customer banker discussing a couples accounts that had been compromised in some way in an open lobby. No privacy and there was approximately 15 to 20 customers in the lobby waiting to be helped or were being helped. XXXX needed to contact another department of the bank and with a voice that carries clearly articulated the customers full account number, full name and spelled the customers last name. This is clearly a breach of privacy and with many people on their phones while waiting there is no way to know who heard him or what others took away from that conversation. When addressed with manager on XX/XX/2019 the manager brushed it off saying the lobby was an open setting and that was how they did business. Manager 's name is 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