BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, 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:
PLEASE READ MY COMPLAINT AND INVESTIGATE THOROUGHLY. I N  XX/XX/XXXX  M Y IDENITY WAS STOLEN AND SOMEONE WAS LIVING AS ME IN  XXXX   XXXX  NEVADA. I HAVE FAXED OVER SUPPORTING DOCUMENTS TO ALL PARTIES INVOLVED.   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX , EQUIFAX AND CFPB. I HAVE ENCLOSED 18 YEARS OF STATED ISSUED ID AND ALSO COLLECTION LETTERS FROM STATE OF ALABAMA FOR  TAX YEARS  XX/XX/XXXX - XX/XX/XXXX . HERE ARE MY CONCERNS.     1. I HAVE LIVED IN ALABAMA ALL MY LIFE 2. I  HAVE 19 YEARS OF STATE ISSUED ID FROM ALAB AMA 3. I HAVE COLL ECTION LETTERS FROM DEPARTMENT OF REVENUE STATE OF ALABAMA WHERE I OWE TAXES FROM   XX/XX/XXXX - XX/XX/XXXX .  HOW IS THIS POSSIBLE IF I WAS IN  XXXX   XXXX  NEVADA PLEASE BETTER RESEARCH AND REMOVE THESE ACCOUNTS IMMEDIATLEY FROM ALL  XXXX  CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24
Company: JPMORGAN CHASE & CO.
State: FL
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:
hello I pay my bills off in full every month.     From m y  XX/XX/XXXX  statem ent, I owed {$1100.00} and made paym ents of   XXXX   XXXX  , 2017 : {$1 20.00}  ( before due date )   XXXX   XXXX  , 2017 : {$35.00} ( befo re due date  )   XXXX   XXXX  , 2017 : {$990.00} ( after due date ) for a total of {$1100.00} This does not include returns also.    Even if you go by their premise, they are charging me {$10.00} for what?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-01-30
Company: Smith, Rouchon & Associates, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I Rented a house at XXXX XXXX XXXX XXXX in XXXX Alabama from XXXX XXXX XXXX ( XXXX from here on ) I had a 1 year lease, at about 1 year 4 months into the rental in XX/XX/XXXX I went to the XXXX office to pay the rent and it was closed, I returned the next day and the secretary told me I owed a XXXX dollar late fee, I told her I was here yesterday during business hours ( not lunch ) and the office was closed I'm not going to pay a late fee! She told me it doesn't matter I still owed the fee, I paid the rent minus the fee and told her I was moving. 
I had been trying to get XXXX to move me to another house as I has very bad problems at this address. An Alcoholic  named XXXX burned the house right next door to mine down and he was still around the neighborhood and would flip over my garbage can looking for food and booze and the man was clearly psychotic, my lawnmower was stolen off the porch where it was chained, I had homeless people who would sleep on the porch, I had an incident where 2 people walked in the front door and I had to fight them out. A XXXX delivery with a value of several hundred dollars disappeared off of my porch post delivery, these are just a few examples so I wanted to move anyhow, XXXX has 100 's of rentals and couldn't or wouldn't give me another one to move to, so I moved! 
In XX/XX/XXXX, about 3 years later a hit shows up on my credit report from Smith Rouchon collection agency claiming I owed XXXX dollars they were to collect for XXXX, I told them I don't owe XXXX  anything and in fact they owe me deposits and fees.. 
Here is why I have filed this complaint with consumer finance, I was at XXXX XXXX starting new service several months ago, about 5 years prior XXXX XXXX had placed an account in collections without ever notifying me and I paid Smith Rouchon the bill in full but they never forwarded the info to XXXX XXXX that I had paid it and XXXX called them on the phone to inquire as to if I had indeed paid the bill and they told them that I had paid it in full, THEN the person at Smith Rouchon voluntarily told the utility dept. that I had an outstanding collections account from XXXX  that I explained above in an attempt to cause me denial of services! My research has indicated that this is against the law! I intend to persue this matter to it's completion. I'm not going to allow these people XXXX and SRC to coerce a nickel out of me and we may all be going to court as I am consulting attorneys about all this! I have a witness that overheard the conversation that SRC had with the utility dept. so for them to deny this is a waste of time! I owe XXXX  nothing and will not pay! They owe me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX Balance : {$8300.00}

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 2022-07-18
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX A ) XXXX Balance : {$760.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$810.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
U S DEPT OF ED/GSL/ATL // ACCOUNT NUMBER : XXXX is not accurately reporting my information to credit bureaus. Balances : {$2000.00} // {$9400.00} // {$5700.00} // {$6100.00} // {$570.00} DPT ED/AIDV // ACCOUNT NUMBER : XXXX is still reporting inaccurate information to ( TRANSUNION ) Each Credit Bureau is inconsistent in how my information is being reported : On my XXXX report / file, the account is showing Closed and in Collections On my TRANSUION report / file, the account is showing Closed with NO PAYMENT HAVE BEEN REPORTED ON THIS ACCOUNT BALANCE UPDATES are inaccurate : XXXX is showing XX/XX/XXXX // TransUnion is showing XX/XX/XXXX Payment history is showing Collections, Unavailable Data, and multiple inconsistencies. 


Also the CARES ACT of 2020 states that ALL STUDENT LOANS accounts are suppose to cease reporting to credit bureaus any information that will affect the borrowers.

My Credit report and Credit Score has been seriously affected by the STUDENT LOAN negative reporting. And my consumer rights were violated for unfair, inaccurate credit reporting. 

I have disputed report with the Credit Bureaus, but their response and updates are still inconsistent with each other even though they claim that the information being reported is sent from the same source.

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 2022-10-24
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following fraudulent accounts and information are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to you today to inform you that in the even you choose to not remove the disputed accounts and information, I will be filing a lawsuit. Also, I have sent a dispute letter to the Credit Reporting Agencies with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the removal of the following accounts and information completely from my Credit report : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove that the disputed accounts are mine, I am expecting the deletion of the disputed items completely from 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 2021-08-29
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The issue with US BANK has been going on for about two years now. I was on a 10 year HUD ownership program for my home, they help me pay my mortgage for the first 10 years of me purchasing my home. It is now XXXX  and the issue with my mortgage has not been resolved, Ive been told that I owe them over {$9000.00} on my mortgage behind payment they say. When I called to discuss the issue they could not talk to me due to a bankruptcy issue, when I try to pay online the account number I have does not let me pay. When I went into my local bank they refused to except my payment due to my bankruptcy. Im no longer in bankruptcy I have close that case. Im having issues with the amount they say owe and theres no way I can pay that due to Covid and I still have not received my tax refund this year. I have made two payments this year surprisingly they were excepted over the phone. When I called to make a payment this month XXXX I was told my address is not in the system. I need help resolving this problem so me and my children can stay in our home.

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 2018-11-21
Company: U.S. BANCORP
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is a credit card with US Bank for my farm. 10 years ago this card was opened and used for XXXX XXXX. the interest rate agreement was for 8.9 per cent. After a year they raised the interest rate to 28.9 per cent. I had never missed a payment nor was ever late always paid more than the minimum. I called them to find out why they had raised the interest rate. They said it was because I had too much available credit and if I would close some of my other credit card accounts they would lower the interest rate so I did and called them back after 6 month then they said they could not lower it because I didn't have enough available credit and to call back in 6 month and they would lower it. This went on for over 10 years I continued to try to work with them. I figured I had paid almost {$40000.00} to them for a {$10000.00} charge. I repeatedly tried to work with them and they refused to work with me so after paying that much I stopped payment. I should have never been charged the 28.9 per cent it should have been 8.9 per cent and it would have been paid off 5 years ago. Basically this has been extortion. Now they are randomly pulling money out of my bank account, I have repeatedly tried to deal with them but they are just continually extorting money from me. I would greatly appreciate any help I can get on this matter.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as 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 non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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 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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and dXXXX 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 2023-04-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
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, this creditor NAVY FEDERAL CR UNION has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 had reluctantly consolidated student loans in XXXX. At the time, the interest rates were extremely high, and remained the same throughout the entire loan. I have had extreme duress trying to keep up with simply keeping information current. Repayment options were vague at first, then in XXXX, I was seemingly forced into another loan ( closure of one, opening of another ) for better terms. During the process, I was assured my credit would not be affected negatively ( XXXX ) and prior to that, in XXXX, I had a defferment/forebearance that recently started showing negatively on my 'closed ' loan. Why all of the sudden the negative filing seems amiss. I filed a dispute with the three credit reporting agencies, the first to respond as Transunion, and in the response, it showed further supposed deliquencies ( XXXX ) then had been showing prior to my credit reporting dispute. While I do not agree with the practices of XXXX-XXXX, it is a monopoly and I am driven by their policies and misreportings. My credit, is impeccible, aside from their mis-reportings and it is causing true duress to my current financial ability to prosper similar to those without Student 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 explanation
Consumer complaint received 2022-07-18
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:
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 XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX

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