BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT 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 explanation
Consumer complaint received 2022-06-21
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:
n accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX : XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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:
Greetings, In accordance with the Fair Credit Reporting act XXXX following Address, Accounts, and Inquiries below, have 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. Lastly, LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. 

Addresses : - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XX/XX/XXXX Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX : XXXX - XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - US DEPT OF ED/XXXX  : XXXX XXXX XXXX XXXX : XXXX Inquiries : - XXXX  XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - FXXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/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: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm filing this complaint now because I've discovered Equifax is not following the GLBA ( GRAMM-LEACH-BLILEY FINANCIAL PROTECTION ACT ). Equifax is also violating my right to privacy and the FCRA ( 15 USC 6801 and 1681n ).

I am aware that without my lawful consent, my nonpublic personal information ( transactions such as negative information ) should not have been disclosed to a nonaffiliated third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-07-27
Company: EQUIFAX, INC.
State: HI
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, 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 In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've never been in XXXX  Texas! An address is in my report and I don't know what it is. And money was sent out by the irs to s bank account and I have no clue what or where it is and that is not my account! XXXX dollars to someone that was not me!!! '

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 2023-07-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was hacked and a fraudulent check, was put into my account and cashed and withdrawn. I have contacted the bank of requested the proper paperwork to fill out nothing was sent to me. I didnt receive anything my account was closed and they told me Im responsible for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: IN
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( 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. 

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

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 2022-11-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
They have my credit rating that I'm using over 80 per of my. Utilitization which is not true. I have 4 credit cads and all together my total owed for all accounts is less than {$3.00} so they reporting that I am using very high. Utilization is wrong and is stop me from getting credit

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 2022-06-06
Company: Experian Information Solutions Inc.
State: FL
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:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

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: Payfare International Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I got a text message saying that the email on my account has changed and if it was not me give them a call. So I call them as soon as I seem the text ( within minutes of receiving it ) the employee that was on the line told me the bank was closed Sunday and there was nothing they could do till Monday. While I was on the phone with him I started receiving notifications about large transaction coming out of my account I asked him if they could atleast lock my account to avoid these transactions. He responded with no that they would have to let them go through and couldn't do anything to stop more from coming through until the next day and then I'll have to report them as unauthorized transactions to get my money backbecause again the bank is closed on Sunday. The next day I call them back they change my email back and phone number so I cam access my account by then every dollar I had in my checking and savings account was completely gone ( around {$720.00} ) I then told them I wanted to report these as unauthorized transactions then they started giving me different reasons why they are not liable for these transactions and I can not get my money back. I asked them to tell me where to find that under their legal cardholder agreement and when I read to them the parts they tried to point out and showed how that would not apply to this situation they would then hangup on me. I've called multiple times and have gotten multiple different answers on why they are not liable for these unauthorized transactions with the end of the call almost always being hung up while I was trying to get more I formation. I have filed a police report on some of these transactions where I've been able to locate the city they were done in.the company that this was through was XXXX/payfare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested Mortgage Insurance to be removed as I have more than 25 % equity in my home. 

I requested this take place over 60 days ago and they are giving me the run around every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 : 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX Account Number : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 2. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX Account Number : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 3. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation

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

Complaint:
In accordance with the fair credit reporting XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish 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: 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:
FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXXXXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 Sunrise Credit Services placed a collections debt on my credit report, I have never received anything in the mail or have gotten any calls regarding this debt and for them to just up and put this collection on my credit report is very upsetting. I would like for Sunrise Credit Service to please Validate this Debt with proof of any documents that they may have, the company they're stating that I owe I'm currently still a valued customer

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: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Back on XX/XX/2022 Huntington Bank had closed my 2 accounts I had with them. In 1 of the accounts I had a positive balance of {$1400.00}. I have not received my {$1400.00} check that they have said numerous times they have sent out. On one of the occasions that I have talked to them they told me that they had did a stop payment on the check and said the reason was that I didn't want it. I NEVER once said that I didn't want my money. I am now getting evicted cause I can't pay my rent because of Huntington Bank not sending me the {$1400.00} I still had in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
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:
FCRA violations : payments never late XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXXXXXX XXXX XXXX, TX 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sent certified letters and did not hear anything back

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: 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:
n accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  : XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-11-24
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: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX  XXXX XXXX XXXX ( XX/XX/2021 ), XXXX  ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 )

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