BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: FL
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:
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 did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX  : # XXXXXXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 A : States I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
there are a couple inquiries in my profile i do not reconize XXXX 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

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 2023-07-11
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: 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 3 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 correct : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 fourth 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-15
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
THE FIRST PROBLEMATIC ACCOUNT IS 1 ) XXXX XXXX ( XXXX ) XXXX XXXX # XXXX OR XXXX XXXX XXXXXXXX ( XXXX XXXX/ XXXX # XXXX AMOUNT {$0.00}. THIS ACCOUNT IS INACCURATE AT THIS POINT ITS FRAUD, THEY REPORTED AN ACCOUNT AS BEING LATE WHEN IT WAS WITH A WHOLE DIFFERENT COMPANY. NO FEEDBACK WAS NEVER GIVEN BECAUSE THEY WRONGFULLY REPORTED LATES TO MY ACCOUNT ( ACCOUNT WAS IN DEFERMENT/FORBEARANCE ). XXXX AND XXXX NEED TO REMOVE FROM MY FILE IMMEDIATELY. THE NEXT ACCOUNT IS 2 ) XXXX # XXXX AMOUNT {$3400.00}. THIS ACCOUNT WAS REMOVED FROM MY FILE AND REPLACED ON THERE ( I BELIEVE TWICE ). ITS ONLY ON XXXX. I'VE SENT IN A COPY OF AN OLD XXXX LETTER STATING IT WAS REMOVED YEARS AGO. BOTH ACCOUNTS NEED TO BE REMOVED FROM XXXX AND XXXX IMMEDIATELY. I'M GON NA FILE A CIVIL LAWSUIT AGAINST ALL 4 COMPANIES IF THESE ACCOUNTS CONTINTE TO LINGER FRAUDULENTLY ON MY FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely 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. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting 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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-03-15
Company: Experian Information Solutions Inc.
State: LA
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 submitted a letter to the 3 Credits BureausXXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  XXXX Balance Owed : {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
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 m a victim of fraud there are multi fraudulent that as been open under my name I believe someone out there still have my information in keep using it XXXX {$530.00} XXXX/XXXX/XXXX creditor no action XXXX XXXX XXXX XXXX {$3100.00} creditor no action XXXX {$1100.00} XX/XX/XXXX creditor no action XXXX XXXX {$500.00} XXXXcreditor no action XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00}

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 2017-10-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fidelity information corp {$2200.00} XX/XX/XXXX I disputed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe any money to a that goes by the name L.J. Ross Associate it appeared on my credit report. Does not belong to me so please remove it ''. thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: GA
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:
I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX  XXXX ( XXXX  ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) ( XXXX ) and similar to XXXX XXXX XXXX XXXX XXXX, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the XXXX XXXX, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 

Please provide the written instructions that I, the consumer gave to XXXX XXXX XXXX which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account XXXX XXXXXXXX XXXX XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). I am also aware that whoever violates XXXX XXXX Code XXXX such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under XXXX XXXXXXXX XXXX  XXXX ( XXXX ) to fines under Title XXXX XXXX XXXX with fines up to XXXX for a felony by an organization or imprisoned for XXXX years or both. 

Sincerely, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to get intouch with the Beneficial finance company.  They sold all their loans in the US.  Since we never completed a loan with them we do not have an account number and our SS# are not on any records they have.  I sent the following letter to them explaining what problem we needed fixed by them and we sent it certified mail but when we track it there is no information that it was delieveded.  Here is what I sent them.We need some one to remove a record at our local XXXX county courthouse in XXXX that says our property is being used as collateral on a loan through XXXX XXXX XXXX.  On XX/XX/XXXX we applied for a loan at the local branch office in XXXX, Pa and then a day or so later we went back into the office and cancelled the loan.  No checks were ever issued, and it fell within the three-day period we were given to think it over.  Recently we applied for a second mortgage through our local Credit Union and they did a property report which showed a loan on it with date of XX/XX/XXXX and it was recorded on XX/XX/XXXX, record book XXXX record page 497 in the amount of XXXX. We need this removed to avoid future problems and we need a letter faxed to our credit union to tell them that we do not owe you for this loan and that the property is free and clear of this debt. Please fax this letter to XXXX XXXX XXXX XXXX XXXX attention XXXX XXXX XXXX.   Please act quickly since the loan we are applying for will be on hold till we can prove we don’t owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2019-12-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX with account balances $XXXX and $XXXX are reporting collections in violation of my 30 day right to dispute. I was never given any notice of these collections and only became aware of them when I checked my credit. This is in violation and they need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: Mr. Cooper Group Inc.
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently contacted this company who holds my mortgage to inform them that a divorce had happened and that I was awarded the home. I was informed by Mr XXXX XXXX that all I had to do was send in the divorce papers, a pay stub and a statement saying that I could afford the payments. Mr XXXX then proceeded to tell me that the easiest way was to refinance the home. They were going to add {$8000.00} to the loan, drop my interest rate 0.5 % and my payment by only {$30.00} per month. Then I was told that because a modification was done due to covid-19 that I had to wait until six payments were made. I then asked them to just remove my ex husband from the loan and that I had already submitted the required documents. I also spoke to their customer service team who verified that I had done everything needed to remove my ex 's name from the loan. Mr XXXX 's supervisor then tried to tell me that a refinance was required. This is contradictory information and I feel this company is highly unethical in that they only wanted to do the loan refinance to gain more money.

Company response to consumer: Closed with explanation