BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent dispute letters to XXXX, Equifax, and XXXX. Today is XXXX XXXX and I still haven't heard from either agency. A copy of the letter is below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Account was never late XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. Account was never late XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: WI
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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX : # XXXX, XXXX via XXXX : # XXXX, XXXX  via 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent dispute letters to XXXX XXXX and TransUnion. Today is XXXX XXXX and I still haven't heard from either agency. A copy of the letter is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Account was never late XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. Account was never late XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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:
I am a Vitim of the consent order that was filed against XXXX XXXX XXXX XXXX ( XXXX ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). XXXX has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted XXXX XXXX XXXX XXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally XXXX has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. XXXX XXXX XXXX XXXX has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the Transunion, XXXX, and XXXX  who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.

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 2023-07-04
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XX/XX/XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$18000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ND XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$18000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XX/XX/XXXX Months Company sold - Original creditor - Comments Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address po box XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VI
OLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: ONLINE Information Services, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to this company several times via mail about VALIDATING this alleged account they claim belongs to me. I have received no response. I also called and they want me to give them my personal information just to inquire about an account they have listed on my credit report. I would like this account removed ASAP. I am needing to purchase a home for my children and myself and this account is holding me back. According to the law anything that is reported must be 100 % accurate and I have yet to receive anything bearing my signature in agreeance with this alleged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/152020 : unauthorized charges on credit card from XXXX {$49.00}, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX ( TOTAL charges {$7800.00} ). 
My wife and I called our bank USAA on XX/XX/XXXX disputing the charges as fraud and cancelling the credit card from further use. My XXXX, XXXX XXXX, XXXX, XXXX, and XXXX accounts were all hacked. The XXXX XXXX, XXXX, and XXXX accounts were unrecoverable. 

USAA sends information to fraud  team and takes the money off of our credit card account. 

XX/XX/XXXX, fraud  team says the charges were valid and puts the money back on the card. 

Myself, wife, and mother, the three members on the card have repeatedly called USAA disputing the fraud  teams claim from XXXX XXXX XXXX USAA claims they can not talk to the fraud team that made the decision but could message them to call us. This was done at least 5 times. 
The fraud team never contacted us. 

USAA finally provided us with a contact at the fraud  team. We have left at least 5 voicemails to contact us back because they never answered the phone. 

We have been trying to reach out to XXXX as well. Due to the accounts being hacked XXXX would not discuss information about the transactions or the account. 

I have reached out to a lawyer to help dispute this claim. We feel vulnerable and extremely unsatisfied with USAA on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: TN
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 recently reviewed a copy of my consumer reports and I notice that XXXX XXXX Formerly XXXX is reporting inaccurate information on my report. Acccording to 15 USC 1692 this is a violation. Several violations are being violated which are 15 US 1692 ( a ) ( B ) ( C ) ( D ) ( E ), I have attached a copy of my FTC report and my License/ssc.

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 2021-01-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took a Care Credit Card out to pay for dental work I had done back in XXXX. I had charged {$2600.00} to the card and I had set up an auto pay direct from my checkin account, and the amount was paid to Synchrony Bank every month. After 2 years of paying it off, I thought I was coming close to settling the amount in full but I was surprised when I saw my XX/XX/XXXXstatement that showed a balance of over $ 2k. I called the company and was told that because I did not meet the requirements of the promotion which was to have paid it back by 2 years, Synchrony Bank charged me over $ 1k interest hence it bought my balance up to just over $ 2k. This was the first time that this was brought to my attention. Had I known that, I would have settled the amount instead of being charged an exorbitant interest fee. I have called Synchrony numerous times, been transferred from person to person for months and no one could help. In XX/XX/XXXX, I wrote to the CEO, XXXX XXXX and after months of no reply from her and her Assistant, I finally sent another email to her and this time it was responded to and basically all it said was you paid the minimum amount every month and because you did not meet the promotion requirements, you were charged the interest. I find this appalling. Very bad customer service coming from the top. Terrible communication and their method of operation leaves much to be desired.

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 2021-02-10
Company: EQUIFAX, 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following Inquiries in Identity theft. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Long & Foster Financial Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried numerous times contacting XXXX XXXX XXXX in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX number, and filing a report on XXXX 's website, 9 months later and I am still unable to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: AmeriHome Mortgage Company, LLC
State: NJ
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:
My mortgage account with Amerihome Mortgage was on a forbearance plan effective on XX/XX/XXXX in accordance with the CARES Act passed by congress. The agreement was that no payment was due for an initial 90 day period and possibly longer, and once the forbearance period ended, all deferred payments would be due. During this period the account would remain in current status and no negative information was to be reported to the credit bureaus. The payments for the months of XXXX, XXXX, XXXX, and XXXX were deferred and in XXXX I paid the full amount due and completely paid off the mortgage. Amerihome acknowledged full payment in a letter dated XX/XX/2020. In direct violation of our agreement and the CARES acct passed by congress, Amerihome report my mortgage account as " 60 days past due '' for the month of XXXX causing a decrease of my credit score and unfavorable terms for a new loan, and causing further undue hardship. Negligence on the company 's part is a recurring theme as I've had to make multiple complains in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX I just turned XXXX about 2 weeks ago I went to apply for anew XXXX and was denied due to my credit the report stated I have loans and a Mortgage This is not true I live at home and I attend school and will be attend college next year please help me clear this up my. Future depends on

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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent out a letter to XXXX, XXXX, and Transunion concerning my credit report. Due to suspicious activity on my credit report. I simply asked XXXX, XXXX, and Transunion to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days waiting on a response.

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 2020-11-29
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 I received an email from Paypal telling me " Checking out with PayPal just got easier XXXX  XXXX XXXX - XXXX Since we recognize this device, we'll automatically log you in so you can skip typing your password at checkout. 
" This is called their " auto login '' feature. I do not want it. I turned it off and complained that this is a security breach, I WANT this device to be required to enter a password at checkout. I asked them to promise not to do this again without asking me first. 

I have been corresponding with paypal thru their message center since late XXXX. They admit sending the email. They don't admit it is a security breach and they don't say they won't do it again. Instead they offer answers to a dozen other problems which I don't have. They refuse to discuss the problem I have described, they offer only irrelevant answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been made aware that this company is not licensed in the State of Florida to make payday loans. This company is also issuing payday loans with interest rates that could violate State of Florida and Federal usury laws.

I have requested my original loan document from this company and they are refusing to provide it. Instead they have provided where I applied for a loan and the paperwork about cost and fees. I have sent them several letters asking for my original loan documents to this date. I have not received them. This could be a violation of the truth and lending act.

Also they have listed this illegal loan on my credit history with XXXX and XXXX XXXX.

I want the loan removed from XXXX  and XXXX XXXX and any other credit bureau they may have listed it on.

Company response to consumer: Untimely response