BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: FL
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: NV
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:
There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXXXXXX is violating my right per fcra please delete off my credit report attach is the court order

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 2023-08-16
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX I started reviewing my credit reports from the following bureaus XXXX, Equifax, and XXXX. As I began going through my report I notice a good amount of discrepancies on my credit report. As I began to get some of the items corrected and removed from my report, I notice that some inquiries were made that I did not authorized. These unauthorized inquiries are causing my credit score to be affected. 

The inquiries that I am referring to are XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy that is just on my experian report. I have tried disputing it with them multiple times to get it removed. They say it discharged in XXXX  but it was 2 years before that making it time for them to remove it. Both XXXX and XXXX removed it 2 years ago but experian wont. That is the only negative thing on my reports anymore and it is costing me money by keeping my score down. 
I have tried being nice with them but if they wont remove it after 10 years, I will have to take the next step. Even based on there inaccurate date, it has been 8 years and could be taken off. They just refuse because I am a woman and they dont think I know what to do. 
I am tired of the games and am asking your help in getting them to remove this damaging info.

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 2023-09-01
Company: Specialized Loan Servicing Holdings LLC
State: WV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have a HELOC that was through my former employer, XXXX XXXX. They sold the HELOC to Specialized Loan Servicing ( SLS ) in Colorado. My monthly payment has been {$180.00} for years. SLS pulled {$1400.00} from my checking account on XX/XX/23. When I asked the reason, they advised it was for flood coverage. I advised I already have a flood policy covering my home. I provided proof of coverage, proof that it was paid in full for the {$1000.00}, and that policy is paid through an escrow account on my primary mortgage through XXXX XXXX. After half a dozen emails, and hours on their 'customer service ' site, they admitted their error, but refuse to return my money. I even tried to directly email 8 executives of SLS I found online directly, with no response. 

Today I received notice from SLS that if, I want my money back, I can call the insurance company and fight with them. I have told SLS repeatedly they took {$1400.00}, not {$1000.00}, but they refuse to acknowledge that. They also advised I needed to start paying my normal {$250.00} per month payment. My payment was never {$250.00}. I also have no doubt SLS will do this again next year. I have documentation of EVERYTHING, including emails, bank statements, escrow statements, etc.

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 2023-07-07
Company: EQUIFAX, INC.
State: TX
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

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 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have inaccurate accounts and inquiries on my consumer report. By the provisions of the Fair Credit Reporting Act, I demand that these items are investigated and removed from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AZ
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:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15USC 1681 section 602 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 instruction 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted this collection company in regards to fraudulent XXXX account opened in my name. I requested copies of any proof such as DL, contract or signature. Creditor is unable to provide any requested documents.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has failed to update my balance on my loans since XX/XX/2022. I have contacted them earlier this year a few times in XXXX and was told that they put in a request and will update my balance with the credit bureaus in 2 months. when that didn't happen, I called in XXXX, and they told me that since they switched log in platforms, they were doing a freeze on reporting for 3 months. After those three months passed in XXXX I called again and even filed a dispute as XXXX had advised. XXXX told the Credit bureaus that their reporting was accurate which caught me by surprise and my balances where not updated on their own accord or via despite. I called again after my dispute failed and they told me that they would update my balances by the end of XXXX. Nothing was updated and now I cant even contact them due to long hold times and XXXX not calling back using their call back feature. I am looking to buy a house and need to have my balances correctly updated in order to secure the best terms on a mortgage that I can. its been over nine months this is ridiculous. Attached is my account balance from XXXX 's own website.

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 2023-09-27
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:
Accounts Affected by the Crime FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX Email : XXXX I have never authorized these charges on my credit. I have not supplied proof under the doctrine of estppel by silence, Engelhardt v. Gravents ( mo ) 281 SW 715,719, i presume that no proof of alleged debt, noe therefore any such debt, in fact does not exist.

Fraudulent Auto Loan or Lease Company or Organization : XXXX FL XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$9500.00} Fraudulent Rental of Apartment or House Company or Organization : XXXXXXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5800.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00}

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 2023-12-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
While being in my bank account information i saw a different address where i do not live nor is it my mailing address I left it alone. A few days ago i get my credit score and i see that it went down a good amount i pay in time and have not had any problems what so ever until i see that i have 3 hard inquiries and thats why it went down. I would like this inquiries away because I didnt start any applications and havent opened one. This will not allow to get a mortgage and im looking into this but with the inquiries still there it wont be much of a help. I have already reported to identify theft. 

Thank you

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Both of my accounts were permanently closed on XX/XX/, and XX/XX/, respectively. At the time of closure, there was a balance of {$15000.00} in my checking account and {$4000.00} in my savings account. These funds were not returned to me following the account closures. 

I have contacted customer service numerous times. Based on these conversations, I understand that my accounts were flagged as fraudulent. It was explained that the remaining balances were considered suspicious because they were transferred via XXXX, making it difficult for the bank to verify the legitimacy and intent of these transactions. Additionally, I was informed that some transactions were reported as fraudulent and consequently reversed to the sender. 

Upon reviewing my account 's incoming XXXX transaction history, I noted that all but seven transactions were from friends of mine so they will not be reported. The remaining seven transactions were from individuals I do not recognize. However, I am prepared to provide explanations and evidence to justify these seven transactions. 

On XX/XX/XXXX, I engaged in a currency exchange with an individual based in New York, conducted online. I transferred XXXX XXXX XXXX to him, in exchange for XXXX USD. There is a notarized translation of our chat history confirming this exchange among my supporting documents. 

Unexpectedly, I received the XXXX USD over XXXX days, XX/XX/XXXX and XX/XX/XXXX, through XXXX separate transactions from accounts with names I did not recognize. This approach initially confused me, but the individual later explained that it was due to a daily limit on outgoing XXXX transfers. Here are the details of these XXXX transactions : XX/XX/XXXX : XXXX. XXXX XXXX : {$240.00} XXXX. XXXX XXXX : {$420.00} XXXX. XXXX XXXX : {$470.00} XXXX. XXXX XXXX : {$490.00} XXXX. XXXX XXXX : {$490.00} XX/XX/XXXX : XXXX. XXXX XXXX : {$490.00} XXXX. XXXX XXXX : {$490.00} These transactions constitute all the funds received from unfamiliar accounts. Apart from these, I recognize every other XXXX sender. 

To further substantiate the legitimacy of the transactions, I have spent considerable time gathering notarized letters from my friends who have made significant XXXX transactions with me throughout 2023. These documents, evidencing the willingness and voluntariness of the transactions, are also included in my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/23 I wrote Equifax about accounts that were inaccurately reporting with a balance on my credit report. These accounts were included in a bankruptcy which was completed on my end, and therefore the balance should be XXXX. I am including my letter to them for reference. I never heard back from Equifax and my account was never updated to reflect the correct balances either. The accounts that should be reporting with a {$0.00} balance are as follows : XXXX XXXX - XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was not authorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: Upstart Holdings, Inc.
State: CA
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:
Write-In accordance with the fair credit reporting acts the account below has violated my federally protected consumer rights privacy and confidentiality. Under 15 usc1681 XXXX XXXX Account number XXXX Opened- XX/XX/XXXX Upstart Network INC/XXXX Account number XXXX Opened-May XXXX, XXXX XXXX XXXX Account number-XXXX  Opened- XX/XX/XXXX XXXX XXXX Account number- XXXX opened- XX/XX/XXXX 15usc 1581 section 602a states I have the write to privacy. 
15usc 1681 sec 604a section2 it also states a consumer reporting agency can not furnish my account without my written instructions.

15usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following Items of information and other adverse items of informations other records of connecting of crimes which indicates the reports of more than 7 years.

15usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish information related to a consumer to any consumer reporting agency of the person knows or have responsible cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation