BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX 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 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.

These inaccuracies are stopping me from buying a new home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to freeze my credit report with Equifax. My online account does not work. I am not permitted to log in. I have tried working with their agents by calling XXXX. I give them all the personal information asked for, the agent verifies that it is all correct and places me on hold. After a few minutes I am unceremoniously disconnected. This has happened on multiple occasions. I do not have any recourse at this point!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied and had payment counts. I was told to combine my other loans which for some reason were not combined by XXXX. 

Mohela told me XXXX of my XXXX schools did not count and gave XXXX counts. It shows XXXX count in the website and I had way more prior to this consolidation. Also, I can not find my original payment information anywhere. Had access to all of that when I was with XXXX. 

I am not getting clear information and am currently in the phone with a trainee who is very dismissive, keeps me on hold so I can not talk to someone who is more experienced, and is giving me wrong information. Prior to consolidation of my formerly consolidated loanseverything was clear. Now theyre telling me XXXX. I can not get any straight information. I can not even see my original counts and am told I barely gave any when Ive been paying on these for almost 20 years!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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 XXXXXXXX

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 2022-01-29
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2021 my husband and I moved out of a property managed by XXXX XXXX XXXX ( operating as California Investors ). The property had been lived in for 12 years and had a higher amount of wear and tear than most properties. Upon move out we were sent a itemized statement totaling over {$5000.00}. I have attached the edited version of the dispute letter sent to the collection agency. The charges were reduced to {$4400.00} however several items disputed were never addressed. We were not supplied with proper documentation ( receipts missing for most charges, photos missing for some charges, charging for items covered by wear and tear ). A 30 day notice to vacate was given but original creditor is still charging rent for that month. No response was given to original dispute, I had to reach out to the original creditor to attempt resolution. I asked for a debt validation from the collection agency ( Hunter Warfield ), and was sent the same information previously supplied. It was incomplete, missing receipts, some additional photos included but again my disputes were ignored. I drafted a formal dispute letter to the collection agency ( attached ) to dispute the amount owed again and before being able to send it I was notified the debt is now on my credit report. I have made it clear at every step that the amount owed is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This student loan was taken out in my name fraudulently I did not attend school the year the loan was disbursed. I was living in another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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: Their investigation did not fix an error on your report

Complaint:
Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX  and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Please refer to FTC Report # XXXX Identity Theft regarding Covid19 Unemployment Compensation. 
On XX/XX/2020 I received alerts from XX/XX/XXXXXXXX Card, and Merchants Solutions regarding a hard credit check that had been process using my name and social security number. 
While reviewing my XX/XX/XXXX Credit Report I found an wrong address under my name. The fraud account was placed under : XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX. A fraudulent telephone number using my name was also on the report. Number XXXX. XXXX said that the fraudulent address belong to a company called XXXX XXXX. 
While reviewing my XX/XX/XXXXCredit Report the fraudulent telephone number also appeared in the report under my legal name. XXXX. 
The fraudulent credit card was from Capital One/Cabelas, XXXX Capital One XXXX XXXX, XXXXXX/XX/XXXX XXXX and also from Capital One/Cabelas, XXXX XXXX XXXX. XXXX XXXX XXXX, UT, XXXX XXXX XXXX. 
I telephone Capital One 's Fraud line at XXXX and reported the Fraud. They told me that the credit card was not issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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 belongs to someone else

Complaint:
I did not authorize nor consent to the following inquiries being furnished on my consumer report.700 credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-03
Company: EQUIFAX, INC.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and XXXX U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy. 

To Transunion Recently I did an investigation on my credit report which caused my severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under U.S Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 





Sincerely, 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 2023-06-23
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-01-29
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/2022, in response to a computer ad, sent {$100.00} by paypal as deposit for delivery of a puppy..was to be delivered the following day with cash on delivery ... not delivered ... numerous calls during the day asking for more money to be sent by Paypal ... Paypal transaction ID XXXX ... to XXXX XXXX... we did not pay any more and no delivery..they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: IL
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX ( Original Creditor : SUN XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL  XXXX XX/XX/XXXX ; XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Can you update my address and name on my credit profile.

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 2022-01-29
Company: EQUIFAX, INC.
State: AL
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:
as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. Wrong spellings of my name include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a Visa Platinum Card in the mail today. I did not apply for the card and there is no indication of an application number. Regardless, I did not apply for or want this or any card from First National Bank. A scan of the letter ( with card ) is attached ( XXXX XXXX - First National Bank.pdf ). It appears that XXXX XXXX XXXX XX/XX/2018 may be the source of the application.

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 2021-09-15
Company: Verisk Analytics Inc
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Several times I've tried to work with LCI you deleted the bankruptcy they're listing on my consumer report. I've sent emails and letters inquiring as to how they got their information and how they supposedly verified the accuracy of said bankruptcy.

They willfully refuse to delete the bankruptcy even though it can not be properly verified due privacy issues. Per Rule 9037 of the Federal Bankr
uptcy Procedures section 205 ( c ) ( 3 ) that addressed privacy issues, the bankruptcy can not be verified due to information being redacted, such as a person 's full SSN ( only the last 4 digits of a social security number is listed ). This means that LCI is unable to properly prove that the Bankruptcy listed belongs to me. Furthermore, per the FCRA, XXXX is not a proper verification of a bankruptcy as the information is fished from the XXXX system and not actually reported to LCI. 
Per the FCRA, if a bankruptcy can not be proven with absolute certainty that it belongs to a consumer it is to be deleted. 

To date LCI refuses to comply with the FCRA or Federal Rule XXXX, they continue to site Pacer which as I've described above is fraudulent on behalf of LCI. It should be noted that XXXX XXXX deleted the bankruptcy to be in compliance with FCRA and Federal Rule XXXX. Yet LCI refuses to comply leaving themselves up to lawsuit and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
In accordance with the Fair Credit Reporting Act 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 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