BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: DC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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 that the 3 credit bureaus to validate the 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 erroneous information that needs to be investigated and correct : XXXX XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 that the 3 credit bureaus to validate the 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 erroneous information that needs to be investigated and correct : XXXX XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE 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: 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/block any items 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 are the list of items which do not belong to me or were opened without my permission :

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 2022-12-19
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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, Experian, XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
According to the 15 USC181i- Experian XXXX XXXX have 30 days to investigate and send me the results. And they also didn't record the current status of the disputed information which is another violation. I have all the evidence attached.

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 2022-07-27
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX {$500.00}, XXXX XXXX XXXX XXXX XXXX {$490.00}, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CORELOGIC INC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Letters was sent on XXXX XXXX requesting to freeze file and I havent received a response

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 2022-08-19
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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX and I am submitting this CFPB complaint to you today beacuse I am frustrted ith your negligence and incompetence when it comes to reporting of my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit repoorting Agencies are required by law to remove & block any accounts ans information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the following items completely from my Credit Report : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX xxxxxxxxxxxx XXXX CLOSED Account Status 24 % Credit Utilization XXXX XXXX Payments XXXX XXXX Age of Account XXXX XXXX  XXXX XXXX XXXX Account Status 127 % Credit Utilization XXXX Late XXXX XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 US Bankruptcy Court Reference # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 non-monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX and I am submitting this CFPB complaint to you today beacuse I am frustrted ith your negligence and incompetence when it comes to reporting of my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit repoorting Agencies are required by law to remove & block any accounts ans information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the following items completely from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  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 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 2022-11-23
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased a XXXX XXXXXXXX XXXX with a XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX, later discovered it was rebuilt XXXX XXXX XXXX XXXX XXXX. But, I held vehicle for the sake of my large family, a household of XXXX. 

XXXX XXXX XXXX received my down payment and financed the remaining balance through Westlake Financial Services The vehicle had many issues but for the sake of having a XXXX to support my entire household, I kept the vehicle and made the necessary repairs. 

Then, I started divorce processings in XX/XX/XXXX and was left with only the vehicle. So, I chose to forfeited the vehicle in late XX/XX/XXXX. In which, Westlake Financial, agreed to recovered the vehicle and sent tow truck take possession. 

After, the recovery of the vehicle, Westlake Financial continued reporting the loan as active and begin reporting late payments to my credit report for 7 months. 

Now, Westlake Financial lodged a lawsuit against me. 

The facts of matter is the loan was for {$12000.00} after my down payment with a monthly payment of {$390.00}. 

My payments made to Westlake Financial Services totaled {$11000.00}, 29 months of payments before my voluntary forfeit. 

Then, Westlake Financial Services sold the vehicle for more than {$1000.00}, which is the remaining balance on my loan. 

Yet, Westlake Financial Services is suing me for {$5500.00}. 

Westlake Financial Services falsely reported the loan as active and made false report to the credit bureaus stating the implying I still had possession of the vehicle and failed make my payments. 

All this after, Westlake Financial Services had full possession of the the vehicle, after my voluntary forfeiture, and sold the vehicle at a profit of the total loan of {$12000.00}. 

Yet, Westlake Financial Services still felt it was necessary to fill a lawsuit for {$5500.00} In my heart, I know the is some type of violation being committed by Westlake Financial Services. 

Im hope there is some type legal remedy stop this abuse by Westlake Financial Services

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 2022-09-18
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections company named Online Information Ser showed up on my credit report with a debt showing $ XXXX dollars owed to an energy company named XXXX XXXX XXXX I have never heard of this company and did not open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: OH
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Nelnet, 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:
My student loan from XXXX XXXX in XXXX, GA is showing late payments when it's actually in forbearance. Besides, It has been discharged US Dept Of Education per evidence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX and 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: SYNCHRONY FINANCIAL
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:
SYNCB/TJX COS DC has negatively reported me to the following Credit Reporting Agencies ( CRAs ) : - XXXX  - XXXX  - XXXX  I notified them several years ago that a XXXX XXXX working out of XXXX XXXX County, State of XXXX  has stolen my ID per Special Agent XXXX XXXX with the XXXX  

These criminals are sophisticated and have been filing false income tax returns on my Social Security.

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 2022-06-21
Company: Affirm Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with Affirm in XX/XX/2021 and transferred all of my savings into this account. On XX/XX/XXXX, without warning, Affirm locked my account and denied me access to withdraw my own money. When I spoke with Affirms customer service, the representative said my account was locked for security reasons and sent me a set of questions to respond to as well as a list of documents to submit. I responded to these requests and when my account was not reopened, they sent me a new set of questions and requests, again saying it was for security reasons. Each time I responded, they said I needed to wait 5 business days for a decision. When they ran out of questions, they said that the online withdrawals were not going through because of technical issues on their end. They then promised to do a manual withdrawal, but this also did not work. The withdrawal would show up as in process in my account and then disappear before completion. The reason they stated for this was that there was a different name on the account that I requested money be transferred to, which is not true, and then they started asking for copy of documents from the bank I want to transfer my money to. To date, I have opened several complaints with customer service, and they were all closed without being resolved. All the records related to my withdrawal requests have been deleted or disappeared and customer service says there is no record of any attempt to transfer funds. Despite answering all of their requests and following their instructions in good faith, I have been unable to access my money for over four months while they have the ability to use my money for other purposes. I am concerned that despite all of my efforts, I will not ever be able to get my money back from Affirm. I am a United States citizen, however, I feel that Affirm is trying to take advantage of me since I was not born  in the US and have an accent.

Company response to consumer: Closed with explanation