BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
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:
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. 

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

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. 

Also they aren't even in compliance 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 2018-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/XXXX I gave XXXX XXXX  {$30000.00} in order to purchase CDs, in increments of XXXX, XXXX, and XXXX. XXXX XXXX is now Bank of America. The money was from the death benefit from the XXXX XXXX death of my husband. I have the original CDs and the original receipts. The money was given to the Assistant Bank Manager named XXXX XXXX. This was at their XXXX XXXX XXXX XXXX XXXX in XXXX, CT. 


On XX/XX/XXXX, I personally visited XXXX XXXX  in XXXX XXXX, CT, which is where I lived for 12 years, up until 2 weeks ago. I gave the bank manager my CDs and receipts. She stated there was no record of the CD numbers and that they did not keep records that long. She said there was nothing she could do. She told me to call the State of CT Asset Recovery and the Inactive Accounts Division of XXXX XXXX. XXXX XXXX  had no record of the CDs, nor any record of my having ever opening any account under any of my names.. XXXX ( present ), XXXX ( married name under which I purchased CDs from XXXX, or XXXX ( maiden ). I was told there was nothing they could do. The state of CT had no monies in my name waiting for me.

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 2017-09-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am enrolled in two classes at XXXX XXXX XXXX for the Fall XXXX semester. On XXXX XXXX Navient sent me an email notification that my loan was placed in a status of in school deferment as of XXXX XXXX. I did not request a deferment and have continued on paying my monthly loan amounts. I did not submit any paperwork for an in-school deferment, nor did I approve or agree that an in-school deferment could be automatically initiated. I immediately contacted Navient customer service on XXXX XXXX. I was told by a customer service representative that XXXX XXXX XXXX notified Navient that I was in school and that this notification triggered Navient to change my loan status to in-school deferment. The customer service representative informed me that the in-school loan deferment was removed from my account on XXXX XXXX. I have not yet received email confirmation that the in-school deferment was removed. I am concerned that the adjustment of account to in-school deferment was completed without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The name of the company is called XXXX XXXX, their phone number is XXXX. I've asked repeatedly to STOP calling my place of work and still they harass me. Their last call was today XX/XX/2018 @ XXXX. They've called every day and several of their calls I've missed, but I've already told them 3 times that I do not appreciate them calling my employer. They NEVER leave a message, which leads me to believe that they're SCAMMING rather than trying to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: WA
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: Other problem getting your report or credit score

Complaint:
Since XX/XX/2022, my Equifax credit report is null, plus I get various errors as soon as I sign on, in a blue box, like : Please give us a call and give this code to the Agent : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have called Equifax and exchanged emails with XXXX, many times for over XXXX XXXX They give me various escalation cases, yet never solve their website issues. This applies to both XXXX and XXXX XXXX browsers. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent to technical dept XX/XX/XXXX : ticket number is XXXX, from XX/XX/XXXX email. ref : XXXX : ref XX/XX/XXXX : New ticket : XXXX XX/XX/XXXX : Escalated AGAIN - case XXXX Report is currently null with garbage dates. 

Example : " Report date '' says Invalid date " Length of credit history '' says XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all left blank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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:
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 space 15 U.S.C.1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.

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 2021-06-23
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Policy was paid in full in XX/XX/XXXX. 

Received notice from XXXX on XX/XX/XXXX that policy was past due. The letter noted it was going to be turned over to a collection agency. 

Called XXXX and they did an audit of my account. They mailed me a confirmation showing that the policy was paid in full, and that there was no balance due. 

On XX/XX/XXXX I received a letter from a Collection Agency ( Credit Collection Services ) stating that they are collecting on behalf of XXXX for the full balance of the policy, which was already paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; DEPTEDNELNET XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXXXXXX XXXXXXXX XXXX : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: IN
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 filing a complaint because there is an account on my Equifax report that does not belong to me. The account is with XXXX XXXX XXXX ; I have tried repeatedly to resolve this issue withe Equifax and have had zero success. In one of my recent disputes, they informed me that the account was verified ; howevever, they've provided no proof of their claim. I have asked for verification, but received none. 
Not only is Equifax reporting false information on my credit report, to my understanding, under Section 611 ( 5 ) ( A ) of the FCRA, they are to promptly delete all information which can not be verified. I am requesting that all information that this XXXX XXXX account, in which i have been trying to get removed for months, is removed, ASAP. 

Everytime that I have disputed this matter, their response is " The creditor has verified that this account belongs to you. '' I had no problems getting this issue resolved with XXXX and XXXX. A representative at XXXX told me that this is illegal on behalf of Equifax and that I could sue them for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
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:
Equifax has inquiries on my report that I DID NOT authorize, they are fraudulent, and I did NOT give any of the following businesses authorization to run my credit and they do NOT have a permissible purpose! 

XXXX XXXX, XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 The above inquiries NEED to be deleted IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Don't do as XXXX XXXX XXXX, rushing to file lawsuit. I need more time and making progress to solve my financial problems. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/18 made a purchase for XXXX with XXXX XXXX. the flight was delayed many hours and XXXX  would not let me off plane despite repeated requests. Detailed letter of dispute sent but chase has not reversed the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to inaccurate reporting in a collection account that does not have any information in the creditor there for impossible for me to verified the validity of this account, this inaccuracy reporting should be removed immediately, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please XXXX XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Collection account ( {$460.00} ) XXXX Unverified Account XXXX XXXX XXXX XXXX Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2020-12-06
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following company has continued to report this false account to my credit file. This account should be removed from my credit file, I plan on moving forward by bringing this information forth to a judge in my area.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: NC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collection notices were placed on my credit report on XX/XX/18, XX/XX/18 and XX/XX/18 by Diversified Consultants for an unpaid balance to XXXX for {$1100.00}. 

This debt is not mine and a likely result of identify theft. I had requested Diversified Consultants to verify this debt via certified mail on XX/XX/18 ( Tracking # XXXX, delivered on XX/XX/18 ) but they have not responded to date, continue to harass me via phone and entered a new collection notice on my credit report on XX/XX/18. I have opened investigations with all CRAs that list this collection notice - they are investigating the debt/account info. 

Diversified Consultants is in breach of FDCPA - they have not verified this debt despite receiving a written request from me, continue to harass me via phone and continue to report/issue new notices to the CRAs.

My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: AR
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 XXXX  XXXX is erroneously reporting, this account was paid in full and closed months prior, now suddenly appears on my credit profile as a collections and open. Pursuant to 18 USC8, I owe no debt and had a XXXX  balance when I closed this account, this company is violating my consumer right to privacy to 15 USC 168 1b 2. This company has no o permission to repot anything using my info Pursuant to 15 USC,1681 4, Also deformation of my character.

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 2021-03-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
car loan was back in XX/XX/2016 would like to remove from credit file this vehicle was deductible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
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:
Please remove account XXXX XXXX XXXX XXXX {$550.00} from my credit report. The only accounts I have with this company are with the balances {$1200.00}, {$660.00}, and {$1500.00}. I will attach the letter from the debt buyer listing the 3 accounts. This other account you guys are reporting is not accurate and if it is not removed within 15 days I will seek legal action because this is clearly a huge error and violation of the FCRA. Please see the attached letter and my proof of identity.

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 2021-11-01
Company: EQUIFAX, INC.
State: MI
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:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation