BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NY
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:
Under the Fair Credit Reporting Act, I want to highlight how my federally protected consumer rights to privacy and confidentiality, as outlined in XXXX XXXX XXXX, have been violated by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In particular, XXXX XXXX. XXXX Section XXXX A emphasizes my fundamental right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 clearly states that a consumer reporting agency can not furnish an account without my written instructions, underscoring the importance of my explicit consent.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) Section asserts that no consumer reporting agency may include certain adverse information in a consumer report, unless it is related to records of convictions of crimes that precede the report by more than seven years. This provision further safeguards my privacy.

Lastly, according to 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any entity to provide inaccurate information about a consumer to a consumer reporting agency. This stipulation reinforces the necessity for accurate and fair reporting.

In summary, I believe that the actions of these accounts, as outlined in the Fair Credit Reporting Act, have infringed upon my rights and compromised my privacy and confidentiality.This stopping me to get new credit cards, get a new card, grow my business and help my family and improve my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
Lexington Law has charged me for services they didn't even perform on my credit including inquiry removal and suing abusive creditors for monetary gain. Took credit for other Credit Repair agency 's repair of my credit score and think that the whole company is ran by XXXX XXXXXXXX XXXX Talks with customer service are just to update payment information if I were to default on any payments. Lexington Law is a scam and is proven through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: CT
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:
I received three emails from Equifax on XX/XX/2019, saying my disputes are done. When I only dispute two things on my credit report, which were only XXXX XXXX and XXXX XXXX. I went online to access my credit report and they told me that I am still answering the wrong questions on my credit report. So what is not right on my credit report if things on there which are not me. The next page said I need more information. Which Equifax has a copy of my light bill, my driver license, and a copy of my social security card, which I sent this last month. I can not see my credit report credit to see or what Equifax is doing without my permission. I am NOT allowed to access my own credit report and see what is going on. Equifax is blocking me from seeing my own credit report and I requested at the beginning of this month to receive a copy of my credit report. This is not right what Equifax is doing to me when everything in the United States is base on your credit. Now Equifax is not letting me see my credit report at all. 

Here is the copy of the emails Equifax sent me this morning : Dear XXXX This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 17 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you! 

Dear XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 17 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you! 


Dear XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now!

You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 24 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Spring Oaks Capital, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My credit was stolen some one  charged xxx amount of dollars on my credit that i am not responsible for they sold my debt to collector

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2023-08-06
Company: Experian Information Solutions 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 can not get the credit bureaus to do a proper investigation. Please help resolve these accounts and get them deleted.

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: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I am under a loan modification program through my mortgage servicer, Shellpoint Mortgage. They should be charging me no more than 2 % on my loan yet they charged 100 % interest towards my payment last month. I have called them repeatedly to correct the matter for the past few months, but they have not responded with a conclusion. Yet I continue to make payments and each one is being assessed the incorrect interest amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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:
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 1 5 USC 1681. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key XXXX, FL XXXX XXXX 2.Please remove all of the late Fraudulant Charges for the same account # XXXX On all Credit Agencies. This company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 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. 16818-2 ( 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 2019-06-18
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:
How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..Fix the account XXXX  - CARD SERVICE.. ..please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for

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 2022-05-05
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2022 I sent my mortgage company ( Selene Finance ) an insurance check made out to myself and my husband for endorsement. 
On XX/XX/2022 Selene acquired my loan from XXXX. My claim was XX/XX/2022. I sent in all of my documents for the initial payment which is XXXX XXXX of the check amount which totaled XXXX. Selene mailed us the check with our contractor name on the check and he lives out of state. He made a trip signed it and left back to his hometown. We went to the bank to deposit it only to find out that the bank needed him to be there. His name should not be on the check and I don't need to be monitored. I am not delinquent in my mortgage payments and I have owned my home XXXX. We have to travel to his hometown just to deposit the check. This is causing us XXXX to fly and return home the same day because we have XXXX Selene has caused us nothing but XXXX. Our home is not liveable we are losing income because it's our rental. All we ask is the SELENE not put our contractor name on our check. My husband and I are the people who has been paying the insurance on our home and paying the mortgage. The contractor is who we hired and should have no interest in anything EXCEPT getting paid for his services. This is an Unfair practice for consumers who are not delinquent. Something has to be done about this practice when it comes to insurance checks. No contractor should be listed on the borrower claim check!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: OH
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:
Someone tried to open a credit card account in my name through XXXX XXXX on XX/XX/. I found this in my Identity Alert /Experian. I called XXXX in XXXX to inform them of this issue.

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 2023-08-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 2018-11-16
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I filed a dispute through XXXX, XXXX, and XXXX  to receive physical verification of my original instrument of indebtedness via certified US mail on XX/XX/2018. I received an electronic response from XXXX   XX/XX/18 through my credit monitoring account that this account has been updated without sending me any physical verification. Credit Acceptance has placed erroneous late payments, an inaccurate account status, and an inaccurate loan balance on my XXXX  credit report. XXXX has asked me electronically " why I want to dispute this account '' electronically when I specifically told them I want all correspondence to be by US mail. The question also makes no sense as I already told them why I was disputing this in the letter that I sent : " According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract, or MPN with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please also remove all non-account holding inquiries over 30 days old. ''

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 2020-11-02
Company: Experian Information Solutions Inc.
State: IL
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:
The bureaus not following the law.. They have not provided me with any of my investigation results.. I have sent out several disputes and they are not complying with the law.. I demand concerns be resolved and deleted off 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 explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 2023-07-17
Company: EQUIFAX, 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:
This complaint is in regards to XXXX XXXX XXXX acct # XXXX I've disputed this account with XXXX, Equifax XXXX and XXXX XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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