BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Bread Financial Holdings, Inc.
State: PA
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:
The if the problem and remove the unauthorized information from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: CT
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:
EQUIFAX is in FEDERAL VIOLATIONs as well as in violation against their own Private Date Sharing Policy. EQUIFAX is in violation under 15 USC 1681b for furnishing a consumer report on my behalf the original creditor WITHOUT MY WRITTEN CONCENT. Under the GRAM LEACH BLILEY ACT EQUIFAX IS A FINANCIAL INSTITUTION so there for fall under 15 USC 6802 and 6821. I demanded EQUIFAX to respect my right to privacy and opt out of there improper reporting of the given accounts and demanded EQUIFAX to show me where I have given them CONSENT as stated in their Privacy policy to furnish on and if they could not they MUST DELETE demanded accounts. EQUIFAX HAS NOT PROVIDED THAT REQUESTED INFORMATION. EQUIFAX is in federal violation under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent use of my credit card to furnish a fraudulent report without my consent and committing IDENTITY FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file if the information is outdated/ incorrect under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$1500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$400.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to accurate information from all three credit bureaus and I am aware that I have items missing from some bureaus that are, in fact, on others. Please send me proof proof of my debts from all bureaus or remove this account from my credit report for inaccuracy. I request that all future correspondence be done through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity Theft. I found an account on my credit report that I did not open. This has been hurting me as I am in the process of purchasing a new home. I asked that this be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: LA
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 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 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient encouraged me to defer my loans. They are reporting late payments and will not remove them from my credit report, although I have never made ANY payments to my account. My loans are still deferred, 6 years later, due to unemployment. I have a XXXX credit score because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX 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 explanation
Consumer complaint received 2022-09-11
Company: Mr. Cooper Group 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:
Mr. Cooper has sent confusing and incorrect statements and registered me late when I have paid my bill on time. Sending proof. There are several class actions suits against this company including NationStar with too many addresses to communicate with ( 7 ) and email address ( 3 ). We have emailed, uploaded, called, and even retained an attorney but they continue to send misinformation and report us late. I have NEVER been late on a mortgage on any of my homes and I am XXXX years old. 
I have proof of THREE coupons within 30 days with THREE different amounts requested from Mr Cooper. 
I have proof of the letter they sent saying NOTHING with my payment/mortgage would change and to pay {$1300.00} which I did- but they registered that late even though their website was not working XXXX XXXX. 
I told them I PAID insurance and taxes ( and again uploaded and emailed receipts ) and want out of escrow due to their continued confusion and they said no because I was late in my first payment which I wasn't. I am attaching proof of payment, and their confusing correspondence. My credit needs repaired/corrected IMMEDIATELY as it has dropped from XXXX XXXX XXXX due to their mis-management of my account. 
The letter that they sent to you responding to this complaint is again inaccurate on many issues, Please report them and fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent all three credit bureaus a letter about my credit report on XXXX XXXX. I have not got any results. please look the letters. I've been trying really hard to pay my bills on time to get my score up but I believe my report was misused. please take a look

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: BARCLAYS BANK DELAWARE
State: MN
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 XXXX I purchased jewelry from XXXX for {$700.00} that I never received. I have tried numerous times to contact the merchant but was unsuccessful. To this day I have never received my product, or a tracking number at all. I have mailed my dispute and faxed it to barclays dispute address yet i have never received any form of communication. I need barclays to initite a chargeback and return my hard earned funds of {$700.00} to my account. 

On XXXX I was charged {$730.00} by the same merchant and i never received any item. Barclays has denied my dispute and decided in the merchants favor yet this is unacceptable!! Barclays has not yet had adequate proof that i received my items. no tracking number or anything! i am requesting barclays to initiate a chargeback of {$730.00} back to my account. If my dispute does not go in my favor yet again I will be forced to sue for arbitration/litigation.

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 2021-10-28
Company: Williams, Rush & Associates, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company contacted me threatening to take legal actions and also pretending to be an attorney. I was being harassed in a time I was a day out of XXXX  with XXXX XXXX in my XXXX. I was being told their a law company any I will be sued.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 first 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 XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$490.00XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 2023-12-07
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to formally submit a complaint against IC System Inc. concerning their collection efforts on behalf of XXXX XXXX XXXX. The issue stems from persistent attempts to collect an alleged debt of {$1200.00}. Despite my request for verification, IC System Inc. has failed to provide adequate documentation supporting the validity of the claimed amount. Their collection tactics have been aggressive and may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), causing undue stress. Furthermore, IC System Inc. has not furnished a detailed breakdown of the alleged debt, including dates and charges. I kindly request the Consumer Financial Protection Bureau to investigate IC System Inc. 's actions, seeking resolution through verification of the debt, cessation of aggressive tactics, and provision of a detailed breakdown. I refrain from providing personal information in accordance with CFPB guidelines but am willing to furnish necessary details upon request. I appreciate your prompt attention to this matter.

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 2022-09-11
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX  XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX XXXX : XXXX XXXX : Transunion XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX : XXXX : Transunion : 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 2023-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed several errors on my credit report with each of the three major credit bureaus, including Experian. I have sent several certified letters over the past year and Experian continues to ignore, disregard, and violate my rights. My latest dispute was sent on XX/XX/2022 and it was received by Experian on XX/XX/2022. I attached the certified tracking receipt for reference ( XXXX ). Unfortunately, it has been several months and I have yet to receive a response.Their failure to respond has grossly exceeded the allotted thirty-day time limit, which is in direct violation of my rights. 

I am understandably very frustrated that this has happened and can not believe that the credit bureaus would let something like this go unresolved for so long. I have spent hours diligently reviewing my credit and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving the bureaus ample time to remedy the errors in question. This delay has put me at a disadvantage and has cost me valuable opportunities that require good credit in order to qualify. 

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that Experian has not responded to my dispute within the required window of time. It is well within my right to request that the items in question be deleted and removed from my credit profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.

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 2022-09-11
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/19 I had a direct deposit of $ XXXX deposited. 
XX/XX/19 the $ XXXX direct deposit was available in my checking account. Around XXXX I paid some Bill 's via ACH/account number. I attempted to pay a person/company I owed {$770.00} through XXXX. ( The bank policy says you can send up to $ XXXX per day ). The transfer deducted from my balance, but was pending. The transfer, a few minutes later, gets rejected. I then stop making attempts and log off. 
XX/XX/19 I log on to make sure the Bill 's I paid were deducted only to find my online access is locked, I call and phone access is locked as well. I can not reach anyone live so I call a local branch and the rep woman has an attitude and wont give any info on what's going on with the account. They never sent an email, voicemail, call, text alert, online notice or message and no written correspondence. 
XX/XX/19 all of the Bill 's I paid via ACH are returned NSF and I am charged {$35.00} fees on all of those Bill 's even though I had {$4000.00} available and did not go over paying the bills. 
They closed my account and never mailed me my {$4000.00}. I still have not gotten even a letter saying their intent to close my account or my money that was direct deposited.

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