BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: CA
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:
Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX # XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) XXXX XXXX Account # XXXX ( a ) ( 1 ) ( a ) Equifax is reporting duplicate account entries. 1. XXXX XXXX Account # XXXX 2.XXXX XXXXXXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: LA
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:
RE : CFPB Complaint ID XXXX XXXX XXXX Account No. XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report! 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to identity theft, I have asked for validation of the alleged debt you claim I owe. However, your provided statements and signatures lack proof of ownership, infringing on my consumer rights as defined by the Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 ( g ) " Failure to validate this alleged debt. '' I am withholding payment until proper validation is furnished. Kindly suspend all collection activities until valid debt validation is presented, in accordance with 15 USC 1692cI.

Should valid validation not be received within 30 days, I will deem the debt invalid, necessitating the account 's deletion and cessation of collection efforts. Moreover, your authority to collect on this debt, given its identity theft origins, is questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRUIST FINANCIAL CORPORATION
State: WA
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 re-financed my vehicle on XX/XX/XXXX with another finance company XXXX XXXX XXXX XXXX, original loan was with regional XXXX XXXX of which originally they did not fix the credit hit when I bought the vehicle in XX/XX/XXXX either. I got credit report on XX/XX/XXXX shows regional acceptance reporting late payments and payoff of loan and was docked XXXX points on all 3 credit Bureaus I called regional and spoke with XXXX @ ext XXXX who confirmed the vehicle was paid in full on XX/XX/XXXX and there were no issues or late payments due. Told me I have to take the matter up with XXXX, XXXX, XXXX bureaus because XXXX  XXXX doesnt have a credit department, I asked the question ; well regional reported it so you must have someone. XXXX stated no. So here I am trying to resolve the matter because I am in the middle of purchasing a 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 2023-11-12
Company: EQUIFAX, INC.
State: FL
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:
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.

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 non-monetary relief
Consumer complaint received 2019-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
booked a flight with XXXX from XXXX XXXX to XXXX XXXX, transferred at XXXX. My wife and I flew out on XX/XX/XXXX XXXX, 2019. We arrived in XXXX at or around XXXX am XX/XX/XXXX. Our next flight was set to fly two hours later. However, due to severe weather condition in XXXX XXXX, our flight was canceled. So my wife, who is 6 months pregnant and I had to rush to XXXX customer service desk to reschedule our flight. Unfortunately, the next flight was full. But it was ok, we were on stand by list. We were set to fly around XXXX XXXX   in the afternoon. When it was close to XXXX XXXX, we were told that this flight was canceled too. We asked the customer service what is the next flight. They told us the next flight was around XXXX, of course, no seat. We were placed in the stand-by list. When it is time to board the XXXX XXXX flight, we were told that all flights to XXXX XXXX were canceled, including all airlines. And we were told that there might be another flight the next day afternoon around XXXX XXXX, but there is no guarantee that there will be any seats. Because my wife was pregnant, and we did not know where should we stay overnight, and we could not retrieve our luggage because we were placed in the stand-by list, we decided that we just took XXXX, which was the only way of transportation to get to the destination. We spent XXXX dollars ( including train fare and food/water ) to get to XXXX XXXX by XXXX XXXX XXXX to get to XXXX XXXX. Since I used Citi Prestige Credit Card, which touted the benefit of Trip cancellation coverage insured by XXXX XXXX, I claimed Trip Cancellation from Citi Bank. Yet, my claim was rejected by adjuster because she said that I chose to incur more cost by changing the destination or connecting city. I called Citi bank many times with no satisfactory explanation. And adjuster never called me back as she promised. My claim number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Subject : Dispute of Returned Mail from Collection Agency on Credit Report XX/XX/2023 Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am seeking your assistance and intervention in resolving this matter as it is negatively impacting my creditworthiness. 
I recently reviewed my credit report, obtained from XXXX, XXXX XXXX Trans Union, and discovered that a collection account from XXXX XXXX XXXX. The collection account is related to an alleged debt that I have no recollection of owing. I sent certified letters to the abovementioned company collection agency, but my correspondence was returned as undeliverable. 
I would like to highlight that I have always maintained a responsible approach towards my financial obligations, and I am diligent in updating my contact information with any relevant parties. It is perplexing to me that the said collection agency had not sent any correspondence to my address. 
Considering this situation, I kindly request the following actions from the Consumer Financial Protection Bureau : XXXX XXXX XXXX Trans Union To remove the erroneous information that they deemed to be legit. 
The credit bureaus did NOT Investigate the validity of the alleged debt claimed by XXXX XXXX XXXX when I sent them a letter to VALIDATE the claim. 
Assist in rectifying the negative impact on my credit report caused by this inaccurate information. 
Ensure that proper verification procedures are followed by the collection agency to validate any debts before reporting them to credit bureaus and for the credit bureaus to verify and validate prior to ruining peoples credit. 
I have attached copies of my credit report, highlighting the specific collection account in question, along with copies of the returned receipts and correspondence relevant to this matter. 
I understand the importance of maintaining accurate credit reporting, and I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to help resolve this issue promptly. I kindly request that you provide me with updates on the progress of this case, including any actions taken or outcomes reached. 
Thank you for your attention to this matter. I appreciate your dedication to consumer protection, and I look forward to a favorable resolution. Please do not hesitate to reach me at XXXX or XXXX if you require any further information. 

Yours sincerely,

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 2019-04-28
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:
These fraudulent accounts are reporting on my credit report. 

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 2023-09-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
ChexSystems have outdated and inaccurate information on my credit profile. Under Consumer Law 15USC 1681 Banking systems goes off of fair and accurate credit reporting. 
Below is a list of outdated and inaccurate information : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is in reference to complaint ID # XXXX. 

Transunion did not fix the issue at hand. You closed my last complaint stating authorization was needed. My name is XXXX XXXX XXXX, DOB XX/XX/XXXX SSN # XXXX, Address XXXX XXXX XXXX XXXX FL XXXX, Telephone Number # XXXX. Thats all the verification you should need and I will attached my drivers licenses as well. 

I am filing another complaint because Transunion is advising that they verified this alleged Bankruptcy Chapter XXXX Docket # XXXX with XXXX XXXX XXXX Bankruptcy Court onXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Ireceived a signedletter dated XX/XX/XXXX from XXXX Bankruptcy Court XXXX XXXX of Florida where I reside, advising me that they DO NOT verify or report bankruptcy filings to the credit bureaus or third party data furnisher agencies. Transunion sent me a letter dated XX/XX/XXXX, File Number # XXXX continuing to LIE andstate this allegedbankruptcy was verified by the courts, without sending me any documentation or PROOF of an actual investigation. You've asked me to provideproof well today is your lucky day!!! 

I have attached a signed letter that I received directly from The U.S Bankruptcy Court XXXX XXXX of Florida for your review. 
DELETED this unverifiable, invalid, inaccurate bankruptcy from my credit report or I will file litigation immediately! 

In addition, TheU.S Bankruptcy Court XXXX XXXX of Florida also advised me that TheFair Credit Reporting Act, 6 U.S.C. Section 605, is the law that controls credit-reporting agencies. 
After I did some additionalresearchPer the FCRA it states that the XXXX and XXXX XXXXverifying this information is not recognized as proper validation. 

Please send me an updated copy of my report once the bankruptcy is 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 2023-11-12
Company: EQUIFAX, INC.
State: NJ
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:
remove all negative items dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me XXXX  because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2020 to the credit bureau regarding inaccurate and unknown items on my credit report. It has been more than 60 days. My identity was stolen in the XXXX Data Breach. As a United States citizen, I do not feel protected and it seems to be that I am being taken advantage based off of my living zip code. According to Section 611 ( a ), it states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. I demand All inaccurate accounts that were mentioned in my letter and on my account with unverifiable/Inaccurate Account Number, Open Date, Closing Date, Date of Last Activity, Last Payment, and Date Reported should be delete at once.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Remove all negative accounts that dont belong to me immediately. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system. Remove all negative accounts that dont belong to me 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: Exeter Finance Corp.
State: GA
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 applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. 

The 3 most recent occurred on XX/XX/23 from XXXX XXXX, XXXX XXXX and Exeter finance on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them.

I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-08-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Tried to withdraw money and Chase bank refuses to process transaction. When funds are dispersed it is less than the amount requested. XXXX quickly makes me leave and wont talk to me or answer any questions. They also keep asking what the money is for when it is none of their business.

Company response to consumer: Closed with explanation