BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  : XXXX, XXXX Dept of ED XXXX XXXX Dept of ED XXXX XXXX Dept of ED 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 2023-04-05
Company: EQUIFAX, INC.
State: OH
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 reported the inaccuracies regarding the XXXX XXXX XXXX XXXX account # XXXX to Equifax and XXXX, but they did not conduct an investigation. The account has been reporting different high balances with Equifax while reporting different information with XXXX. It also does not report a credit limit with Equifax so how can there be a high balance be reported or how can it be determined what is correct? Then there is no date of last activity, but has been reporting a current payment status until XX/XX/2023. 

It states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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 recently filed a dispute to the credit bureau about 2 Chapter XXXX bankruptcy showing on my credit report. I received a status back saying the information was verified as accurate. I then reached out to the bankruptcy courts to see if they verify this information. I got a letter back from the courts stating they do not give/verify credit bureaus request to report on my credit report. I then reach out to XXXX XXXX to see if they verified the information reporting on my credit report I was told they do not verify that information and upon looking on XXXX XXXX web page it states that as well. How can the dispute come back as being verified if the courts and XXXX  XXXX did not verify it??? Please remove the 2 Chapter XXXX bankruptcy from my report immediately as I have filed multiple dispute. Please see documentation of what I sent the CB, what the I sent the courts and what the courts sent me back and XXXX XXXX web page stating they do not verify bankruptcy information on a consumer credit file.

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 2020-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance my current home. I can not refinance until a lien on the property is released. The loan was for {$31000.00} on XX/XX/XXXX. This originated at XXXX XXXX, but they were bought out by XXXX XXXX. XXXX XXXX  has the information on file but is not releasing any information to us. The lien is paid, it was never released to the Recorded of Deeds Office. We need a satisfactory letter for the bank we are trying to refinance with. We started this process on XX/XX/XXXX. Ill include emails and screenshots of everything. Anyone we have talked to at XXXX XXXX gives us a general phone number or email, so we cant ever contact the same person again. We have been jumping through hoops trying to find certain individuals. They never return our phone calls, and we are on hold multiple times trying to find people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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: Investigation took more than 30 days

Complaint:
I submitted a complaint ( XXXX ) that Experian did not respond to my dispute within 30 days and wanted this incorrect information removed from my credit report. Their response to the CFPB complaint was a complete lie. They stated that they could not identify if it was me disputing the information. I know this to be false since I included a copy of my drivers license and social security card in the same envelope as the disputed information. I also signed every single page of the dispute and included my social security number in written form along with typed. The return information on the envelope was the same address that is on my credit report. This was an attempt by them to circumvent the legal 30 day response time they failed to meet and I want them to provide proof of what they received along with the incorrect information to be removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: AL
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 2023-01-03
Company: Avant Holding Company, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent out a letter via mail and email to Avant at the following email XXXX and sent a letter that was returned as the following address that they provide is not valid at Avant ATTN : Resolutions Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, 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:
On XX/XX/XXXX I began a dispute with Equifax in regards to a public record item reporting incorrectly, inaccurately and incomplete on my credit report. The first response requested me to send in identification. I sent that in on XX/XX/XXXX ; I was then ignored and I sent a letter disputing no response from them on XX/XX/XXXX. I finally get a response that states the public record item was " verified '' by a third-party company XXXX. I also disputed that public record item with XXXX ( in XX/XX/XXXX ) and the results back as it was REMOVED XX/XX/XXXX from my credit file and is no longer reporting on there. I wrote to Equifax explaining the removal as well as a copy of the proof from XXXX however Equifax claims it has still verified that item through XXXX as accurate after their re-investigation, which no proof of investigation was sent to me and no note/remark was placed on my file during investigation or up until now. This proves Equifax has not done an actual re-investigation and continues to report an inaccurate, unverifiable, incorrect item and therefore has violated my rights to have accurate and verifiable information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX. On XX/XX/2023, I came across a post on the social media platform XXXX ( XXXX XXXX XXXX  ) where someone was selling their XXXX handbag. Interested in purchasing it, I sent a private message ( PM ) expressing my interest. The seller added me on XXXX and provided me with the details of the bag. After confirming my decision to purchase, the seller provided a XXXX account named XXXX XXXX ( XXXX ). The confirmation number is XXXX. 

On XX/XX/2023, at XXXX XXXX, I used Bank of Americas XXXX function to transfer {$3000.00} USD to the provided XXXX account for the purchase of the XXXX handbag. Subsequently, I transferred {$430.00} USD to the XXXX account @ XXXX ( phone number last XXXX digits : XXXX ) as requested by the seller. 

However, after receiving the payments, the seller made various excuses and failed to send the purchased item. Additionally, the seller has disappeared since then. On XX/XX/2023, at XXXX PM XXXX, I reported the fraudulent transaction to my bank, providingg a detailed description of the entire process. Despite the 12-day period that has passed, I have not received any confirmation email from the bank regarding my claimthe claim number from Bank of America is XXXX Furthermore, I discovered on the same social media platform that other individuals have fallen victim to the same scam, with the scammer defrauding them of varying amounts ranging from two to four thousand dollars. Some of them have successfully initiated chargebacks through their banks, but my claim has not been processed yet.

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 monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX, Transunion Showing negative accounts on my credit report that are not in the negative please remove

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 2020-10-19
Company: CITIBANK, N.A.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX I went to Home Depot located at XXXX XXXX XXXX, XXXX, MA XXXX to purchase a few items.On my way out at the register I used my current Home Depot store card to pay while the employee asked me if I wanted to open a card and save on the purchased items. I asked him twice if it was a an upgrade and he said '' Yes ''. I found out later when I received the statement that it was another card similar to the one that I have. I called Home Depot credit services to resolve the issue. They told me to pay the current balance and they would close the account with no impact on my credit report. Recently, I checked my account on XXXX  and it showed as a hard inquiry and it will stay active om my credit report until XX/XX/XXXX without the option to dispute this misleading and wrong doing on behalf of the Home Depot employee.

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 2023-05-14
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: Information belongs to someone else

Complaint:
Im in direct violation of th fair credit report actXXXX XXXX XXXX  c/o XXXX  XXXX XXXX XXXX XXXX, capital one and capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: NC
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:
I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link.

1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide XXXX. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the 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 explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$0.00}, {$2000.00}, {$1400.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.

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 2023-02-09
Company: EQUIFAX, 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 status incorrect

Complaint:
This was paid on XX/XX/11 and Equifax has failed to correctly update the status on my credit report, as you can see both XXXX and XXXX have updated their statuses. I contacts XXXX and they said it was send to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Information belongs to someone else

Complaint:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$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