BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, AZ XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX, AZ XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9 The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XXXX is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
Capital OneXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 
Capital OneXXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my XXXX, XXXX and XXXX credit profile and being reported to credit services who profit of old information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX accordance with the Fair Credit Reporting act 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 an 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 2020-01-09
Company: RSH & Associates, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing information on my credit report, I noticed that there were two accounts held by a RSH & Associates LLC. I was and currently am unaware of what these accounts are or who they are for. I disputed the accounts with all three bureaus and within three business days the bureaus said that information had been sent to them by RSH verifying that the accounts were correct, mine, and needed to be paid. I requested that the information that was sent to verify these accounts be forwarded to me, but never received anything. On XX/XX/2019 I sent certified letters to RSH directly requesting verification of these debts. Seeing as how they had sent information back to the credit bureaus within three days, I don't think it would take long or be a problem. The letters were received and signed for on XX/XX/2019. As of today, XX/XX/XXXX, I have yet to receive ANY correspondence from RSH. I reached out to a customer service representative and was told, very rudely, that it is not their responsibility to provide debt verification. It is obvious that they don't have any true information on this account or it would have been provided seeing as how they are wanting to get paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03
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 is missing that should be on the report

Complaint:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX TODAYS DATEXXXX XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a copy of two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS:XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ***** PLEASE REMOVE THIS ADDRESS FROM MY CREDIT FILE XXXX XXXX XXXX KY , XXXX XXXX XXXX , FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX DOB : XX/XX/XXXX SS # 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 2023-08-14
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given written, unwritten, verbal and non verbal per 15 USC 6802. This is immediately and indefinitely.I have reached out to all 3 credit bureaus two weeks prior to my completing this CFPB complaint. According to 15 USC 1681 inaccurate reporting ( a ) Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have even had customer support help me via Chat and I have the transcripts as well to upload as evidence. Also 15 USC 1681 ( b ) also states 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: SUMMIT FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a conventional mortgage. Each time I was curious about my payoff amount, I had to email the payoff department for that amount and each time I was charged a {$30.00} fee for this information. I find this fee excessive and predatory. Why should I have to pay money for a loan that I already pay dearly for? In this loan with Summit Funding I paid well over {$120.00} for payoff information. I did not request the demand letter but that was the only option offered with this group. I am tired of the consumer always being taken advantage of in these situations. I told my lender that I did not want to pay this fee, that I would send them money in excess of what I owed and they could send the over payment back to me so I could save {$30.00}. It was not an option. Additionally to make the final payment required other forms of transactions that came with bank charges to wire the money vs taking it from the same account that they have received payments for years. This is criminal. I want resolution to this criminal behavior from banking institutions that make money off of us at every corner. I look forward to your assistance with this issue. I will commit my retirement day to fighting for the consumer in these situations. It has to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
I asked, Transunion, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, However they have stated everything was accurate and complete, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

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

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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 are not compliant with Metro 2 credit reporting. I have evidence to prove my case

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 2022-01-27
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has repeatedly called me and has called me in the past with incorrect information. 

Most recently they have started calling at around XXXXXXXX XXXX and XXXXXXXX XXXX, and now finally at XXXXXXXX XXXX when they were previously calling mid-afternoon to early-evening. 
The late calls are very inconvenient as blocking the number does not prevent them from calling me, they just call on a new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The company failed to comply with XXXX benefits during XXXX XXXX and continued to increase my interest rate up to 10 % while on XXXX XXXX for the XXXX XXXX from XX/XX/XXXX until XX/XX/2022. I have submitted appropriate documentation and requested a refund for the substantial difference but have not received an adequate response from loan servicer FirstMark Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I requested my " annual credit report '' via snail mail. Instead of getting my timely report I received a letter on XX/XX/2018 dated XX/XX/2018 which requests identity documents in order to get a free report which I am entitled to. It seems that every year it seems to be the same excuse to delay, deny my timely copy of my credit file. The name and address has not changed so what excuse is there except another attempt to procure information to extend there data mining efforts to collect more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give the creditors authorization to pull my credit report. 

In accordance with the Fair Credit Reporting Act. The inquiries listed below have violated my federally protected consumer rights under 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be removed : Inquiries : XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXXXX/XX/23

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 2022-08-17
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 ordered a copy of my report in XXXX XXXX XXXXnd I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX  XXXX XXXX Balance : {$8600.00} XXXX XXXX  XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}

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 2023-08-14
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief