BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance to 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX However, they stated everything was complete and accurate. But, how's that possible If the date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) 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 dates back more than 7 years.

15 USC 1681s2 ( 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, they aren't even in compliance metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: MD
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:
This will be my third dispute filed with consumer finance regarding thisI filed a dispute with Equifax, XXXX, XXXX, regarding a BANKRUPTCY that is populating on my credit report thats is not correct and is wrong. They keep saying they have verified the information and they have not because when I call the bankruptcy court of XXXX they say the do not submit or verify information to credit bureaus. They refuse to remove the information. I have disputed this over 10 times I have even hired 2 different people to help dispute this and provided documents and they still refuse to remove it. The response XXXX keeps saying is they cant verify my information however I have sent the requested documents paystubs, bill, social. They are sending this automated response to not have to work on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Credit Karma, LLC
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Credit Karma has the karma guarantee credit cards you can apply for and if you are denied, they have to give you {$50.00}. On XX/XX/XXXX, I was denied and they have not paid me the {$50.00} that they said I would get if I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have paid in full the amount owed to XXXX but they report the account charged off closed also they have an limit of {$3500.00} it was never more than {$39.00} dollars I paid it and they responded by saying they got the payment but contact the person they sold it too

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
U.S Bank put us in a program after hurricane harvey hit and said we wouldnt have to worry about anything happening to our credit or late payments. They ended up saying we didnt pay them for 3 months that were after our program when we werent supposed to have to worry about that. We were told it would go to the end of the loan period.

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 2019-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong name on my 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 2023-06-09
Company: EQUIFAX, 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:
Fraud Accounts on credit report 1. XXXX XXXX {$550.00} 2. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$210.00} 3. XXXX XXXX XXXX XXXX {$43000.00} Inquiries 1. XXXX XXXX XXXX XX/XX/XXXX 2 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: CBC Companies, 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: Account information incorrect

Complaint:
Two different hard credit inquiries have been submitted by an unknown person and without my authorization. 
The first one was submitted in XX/XX/XXXX by a company named Factual Data. 
XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX A second hard credit inquiry was made in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have not apply for any loans, credit cards, or have authorized any credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
When dealing with Credit Acceptance they were very demanding and harassing when we had our loan with them. They repossessed our truck when we had payment arrangements made so we thought with the company. We were finally able to pay off the loan. They added numerous additional fees to our loan throughout the life of the loan. They were a very difficult company to work with.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX/Dept of Ed 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 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 2019-11-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
NAVY FEDERAL CR UNION reported on my credit report. I realized that this account is not mine. I tried contacting both XXXX, XXXX and XXXX. NAVY FEDERAL CR UNION with no successful resolution. XXXX. There was definitely an error on their part. I have never applied for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: MA
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. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX -Acct # XXXX. XXXX ) XXXX XXXX-Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX XXXX ) XXXX XXXX. XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602 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 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. 1681c-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 2017-09-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had fallen behind on 2 payments with JcPenney so I contacted customer service on XXXX/XXXX/XXXX to explain and worked out an arrangement to reverse my late fees so the balance would come down. At this time I also created an online account in order to keep up with my account activity. My credit limit was only {$100.00} and I had not used the card for purchases in about 5 months but made a payment in XXXX at a local store in XXXX Fl which has since closed down in XXXX. On XXXX/XXXX/XXXX I went into the closest physical store which is about XXXX miles away to make a payment of {$100.00}. When I got home I logged into the account to see if the payment had posted and been applied to the account and that 's when I saw the banner showing the account was closed and to continue making payments. I was not notified that by the company when I called on XXXX or when I made a payment on XXXX. I contacted customer service today XXXX/XXXX/XXXX to inquire why the account was closed and she told me it closed on XXXX/XXXX/XXXX and it was n't because of payment history but a review of my credit report. I managed this card well for over 2 years and when i call to make arrangements they close my account. I was already approved for the limit i had based on my credit worthiness. They should not be able to take that away. The credit report if monitored frequently should only be used to determine increases not to close an account that 's already open. This impacts my credit negatively.I have attached the chat transcript from 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 explanation
Consumer complaint received 2023-07-10
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had {$13.00} in my checking account with Webster Bank. On XX/XX/2023 I processed XXXX check payments so that Webster Bank would mail checks to the payees on my account. The first payment for my {$5.00} was for my Primary Care Physician, XXXX XXXX XXXX and the second payment was for {$5.00} for XXXX XXXX. After these payments clear my account balance should be {$3.00}. Today I reviewed my account and my balance is {$3.00} but I was charged a service charge for {$10.00}. Had I known that Webster Bank deliberately intended on ripping me off and defrauding me out of {$10.00} I would have simply closed this account. I would never have proceeded any payments had I known my account would be short or negative funds. What truly bothers and disturbs me is that Webster Bank knowingly and intentionally processed these payments before taking this unwarranted and unjustified service charge. I feel that this was deliberately done and that I was targeted because of previous complaints. I feel that the timing of this service charge is extremely suspect and very suspicious especially since I was never informed or advised of any new bank fees or changes other than the one for paper statements, which to avoid this charge I immediately switched to electronic statements. I feel like Webster Bank deliberately takes advantage of customers that are on a fixed income or are struggling financially. I see no intelligent reason why a bank would find it necessary to deliberately target and take advantage of customers that are poor but this bank definitely does by all the ways they intentionally give customers the shaft. I feel truly victimized, and deceived by there deceptive business practices and tactics that I feel need to be investigated. I should not be forced to pay extra fees and charges just because Webster Bank processed my payments then they decided to take this money that was accounted for these payments as a nuisance service charge. This is not right or fair. I am respectfully requesting your assistance with this extremely difficult situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent in my dispute letters on XX/XX/2023 I haven't receive no response i sent in my SSC and ID I have unverified inquiries on my report that is hurting my credibility to get more credit Im asking can you please fix the problems on my credit report i will like for it all to be 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 non-monetary relief
Consumer complaint received 2019-03-13
Company: EQUIFAX, 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:
EQUIFAX REPORTING HARD INQUIRIES ON MY ACCOUNT THAT ARE NOT MINE! 

I CONTACTED ALL THE CREDITORS AND THEY CONFIRMED THAT THOSE INQUIRIES ARE FRAUD! 

FOR SOME REASON EQUIFAX IS REFUSING TO REMOVE THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/2019, yet again I asked when the large check deposited will clear! I asked on XX/XX/2019 and was told by XXXX to call on Monday, XX/XX/2019! Today, XX/XX/2019 again I was told by XXXX she does not know but will find out! She will speak to her supervisor! 

What kind of banking is this? I have an absolute right to know when any check clears! 

Very, very poor banking!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: MA
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:
the credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. the grounds 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 A. it also states a consumer reporting agency can not furnish a account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here and they are still not removing all the hard inquires late payments that wasnt late and and closed accounts that haven't been removed yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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
Consumer complaint received 2023-06-11
Company: Experian Information Solutions 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:
Late payments are being reported on my credit report which is illegal. I am unable to get a home loan because of this, remove immediately.

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 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Have contacted Transunion Credit Reporting Agency about this line item. It's inaccurate and continue to show. The item is XXXX XXXX and reported XX/XX/2018, we have not had their services since we bought our new home 21/2 years ago. We are XXXX XXXX customers.

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