BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did i give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Identity Theft XXXX Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report. 
. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
in accordance with fair credit reporting Act Experian, XXXX, XXXX has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 According to 15U.S.C 1681 section 602 A States I have the right to privacy. these address and phone do not belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX and phone number 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 2022-06-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX USA ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX USA ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 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
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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:
XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I have disputed this account numerous times, I do not owe this amount on this account. I have asked for these accounts to be removed due to it is keeping me from getting approved for a mortgage. 
XXXX XXXX XXXX ( XXXX ) I have tried to get this account removed from my credit report numerous times. This is keeping me from getting approved for a mortgage. This information is not accurate, I do not owe this company any money. Please assist with getting this removed from my credit report. 
XXXX XXXX XXXX ( XXXX ) This account information is not accurate, I do not owe this company any money, I am trying to purchase a house and this account is keeping me from getting approved for my mortgage. 

I have contacted these companies directly, and all three credit bureaus and have not been successful, please help me get these accounts removed form all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I have disputed this account numerous times, I do not owe this amount on this account. I have asked for these accounts to be removed due to it is keeping me from getting approved for a mortgage. 
XXXX XXXX XXXX ( XXXX ) I have tried to get this account removed from my credit report numerous times. This is keeping me from getting approved for a mortgage. This information is not accurate, I do not owe this company any money. Please assist with getting this removed from my credit report. 
XXXX XXXX XXXX ( XXXX ) This account information is not accurate, I do not owe this company any money, I am trying to purchase a house and this account is keeping me from getting approved for my mortgage. 

I have contacted these companies directly, and all three credit bureaus and have not been successful, please help me get these accounts removed form all three credit bureaus.

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: 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: Was not notified of investigation status or results

Complaint:
company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 XXXX  vs XXXX XXXX corporation us court of appeals for the XXXX circuit court case 115 f.3d 220 XX/XX/XXXX, filed ( XXXX XXXX. XXXX ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved

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 2022-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 XXXX vs XXXX XXXX corporation us court of appeals for the third circuit court case 115 f.3d 220 XX/XX/XXXX, filed ( XXXX XXXX. XXXX ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Revco Management, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 XXXX XXXX called me and asked if I would want them to send me the medication, I told her that if I buy the medication at the local store, I only pay about {$30.00} a month and I don't need to use my insurance. She then told me that the medication that she sent will be free after my insurance pay. She confirmed three to four times after I asked. 

A month later, I received the bill of {$85.00} copay for the medication that she sent. I called XXXX XXXX, they said that they escalated to the upper manager and will let me know. One month later, I received the bill again. I called and they said that they were working on it and I should not worry about the bill. 

On XX/XX/2022, I received the bill of {$85.00} from Debt Collector. I called my insurance and they called XXXX XXXX. XXXX, the XXXX representative is very rude, he said that this is the amount that I have to pay and I need to tell my insurance to pay more. 

I am going to pay {$85.00} for the debt collector today because I don't want to have bad credit, but I don't think that it is fair when XXXX XXXX, the reputation company would do something like this. I want others to learn from my experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
Experian, XXXX, and XXXX did not remove my late payments on XXXX and XXXX of XXXX with my XXXX XXXXXXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are 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 non-monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 ), 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 an 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
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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:
XX/XX/XXXX, The 3 Credit Reporting Agencies, XXXX, Experian and XXXX have violated my rights. On XX/XX/XXXX they all received instructions to perform a thorough investigation in which they did not. They had more than 30 days to perform the investigation and did not provide results or deletions. 

Tracking Numbers for Investigation requests are as follows : USPS XXXX # : XXXX Experian Received XX/XX/XXXX USPS XXXX # : XXXX XXXX Received XX/XX/XXXX USPS XXXX # : XXXX XXXX Received XX/XX/XXXX U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States 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.

My rights have been violated numerous times as evidence shows and I demand these accounts be deleted from my credit report. I have provided the accounts attached with 2 different credit reports and below as follows. 

Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : OPEN XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX XXXX XXXX Paid Account/Late Payments : Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2022-09-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Rocket Mortgage ( loan officer XXXX XXXX ), formerly Quicken Mortgage, was the victim of likely mortgage fraud resulting in the theft of my equity interest in my home. Without my knowledge, my father in law sold my husband our home, declaring my husband an " unmarried man '' according to the Deed of Trust dated XX/XX/XXXX. My husband then took out a loan with XXXX XXXX to buy our house ; he declared on the loan documents that he was single. As a result of my husband 's intentional misrepresentations, the deed to our home only lists my husband 's name, lists him as an unmarried man, and lists him as the sole owner of the property. My spousal property rights have been denied. 

I spoke to Rocket Mortgage about the matter around XX/XX/XXXX, however, they were unapologetic and they were unwilling to honor the public fiduciary duties by reporting the fraudulent loan to the FBI for investigation and prosecution. 

I am writing to you to complain about their lack of interest in protecting consumers from having their assets swindled ; the public should carefully consider doing business with this company. 

Please contact me for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
while I was checking the balance and transactions, I noticed that there was withdrawals that I did not make. I talked to them about it. The withdrawal was for {$500.00}, The system divided the {$500.00} into two parts, When I listened, I hear the two parts of the one sum of the {$500.00} that I withdrew at one time Lumb sum. this is abuse and illegal to the transactions, I noticed the two parts of the total {$500.00} one-time withdrawal. when I requested a statement, it showed only one total withdrawal of {$500.00}.

I noticed they charge fees and I question it, they stated I did the withdrawal from non their bank XXXX. which is not true because I used the same machine at their same bank for years.

Their system breaks down the withdraws to two parts so that they charge fees. This is fraud and must be stoped and they must credit back all the fees that they charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The companys involved did not properly verify this account under the fair credit reporting act section 609 and fair credit reporting act 15 USC 1681 ( a ) the companys are In violation of my rights. Equifax knowingly keeps reporting inaccuracies on my credit report

Company response to consumer: Closed with explanation