BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: TN
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX  {$28000.00}

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 2022-07-01
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: Personal information incorrect

Complaint:
So i sent a letter off on XX/XX/2022. To remove personal information that i dont want on my credit report. According to the Fair Credit Report Act 12 USC 1681. I have the right to Privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protection consumer rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Charge from XXXX is early cancel fee. In 2016 XXXX was to send me a phone next day - no record and follow up call when phone received advised I would be out of phone for several days possibly a week. They were unable to allow me to acquire the same phone from a store. I had just recently been laid off and a phone was a necessity as I did not and do not now have a land line phone. 

I ported the number to XXXX XXXX XXXX the next day - Saturday, I believe. I attempted to resolve the issue on multiple occasions with XXXX to no end. They would not own up that it was their own actions that resulted in my departure. Jefferson Capital is
attempting to collect on a debt accrued in IL in 2016. The statute of limitations is 5 years. I have attempted to ask they remove the collection from my credit report directly and via XXXX ( only agency reporting the debt ) without success.

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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: Personal information incorrect

Complaint:
So i sent a letter off on XX/XX/2022. To remove personal information that i dont want on my credit report. According to the Fair Credit Report Act 12 USC 1681. I have the right to Privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protection consumer rights..

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 2022-07-01
Company: EQUIFAX, 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 at XXXX, XXXX, and Equifax has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

According to the 15 USC 1681 section 602 ( a ) state I have the right to privacy.

According to 15 USC 1681 ( b ) ( 2 ) I didn't give any of these accounts written permission to furnish them on my credit report.

I have document attach with the list of accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 at XXXX, TransUnion, and XXXX has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

According to the 15 USC 1681 section 602 ( a ) state I have the right to privacy.

According to 15 USC 1681 ( b ) ( 2 ) I didn't give any of these accounts written permission to furnish them on my credit report.

I have document attach with the list of accounts

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off 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 explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax Credit Bureau suspiciously dropped my score within a 24hr period from XXXX down to XXXX without being able to offer me any explanation at all based on my credit report reviewing with Equifax .

Normally credit scores drop with this wide margins if there are significant negative changes to ones credit reports. However, in the case of mines, my credit report history over the last 6 months, score showed a significant improvement in my personal financial data 's. 

This may indicate 1. a gross incompetence, 2. a discriminatory practice or 3. an wanton abuse or 4. a dereliction of duty, or 5, a reckless negligence etc. on the part of Equifax, which admitted to not finding any negative factors that may contribute to a XXXX point dip in credit score within a 24 hour period. 

I hereby appeal to federal investigators to help intervene in my issue here. My score should actually be increasing rather than decreasing based on various improved credit financial data 's showing up on my report over the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: PLANET HOME LENDING, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by Planet Home Lending. We extended forbearance until it was transferred to XXXX  end of XXXX XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Sunlight Financial LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I contacted XXXX XXXX XXXX at the time XX/XX/XXXX they never solved the issue. I now called XXXX asking to stop my payment because my system does not work. They told me contact sunlight which I did. I was told wait for a email or a call! Still yet to receive this was on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by XXXX XXXX XXXX. We extended forbearance until it was transferred to XXXX end of XX/XX/XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After discovering several unauthorized debits from my checking account by XXXX, filed a dispute with Bank of America on XX/XX/XXXX. Bank of America credited back only ONE of the unauthorized charges, despite providing the supporting documentation proving no charge ( s ) were valid, past or present at the time, with my filed dispute. On XX/XX/XXXX Bank of America sent an email confirming a stop had been placed on all future payments. However, the unauthorized debits continue to date, with the bank clearing each month 's fraudulent debit. As of today, not including the amounts still owed from XX/XX/XXXX, Bank of America has cleared {$250.00} in unauthorized debits to a company they claim any future debit ( s ) to had been stopped. What's worse are the numerous instances in which my account becomes overdrawn, a direct result of the fraudulent debit ( s ). The overdrawn balance then results in numerous fees incurred PER each transaction posting thereafter, by both the bank & the merchant and this has taken place more than once. 

My income doesn't sufficiently cover my living expenses as it is but the bank 's incompetence has literally left me unable to even buy gas to allow for my daily commute to my place of employment.

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 monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-09-11
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
The amount is for XXXX the company name is 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 2022-07-01
Company: Self Financial 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:
Dear Self. Inc, I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates delete this account off on my credit report within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
Company - Ally Financial - auto loan opened XX/XX/XXXX I have disputed an alleged " 30 days late '' in XXXX of XXXX. This account was never late.

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 2022-12-02
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since 2020 XXXX XXXX has been reporting a collection of XXXX $ on my file. I've disputed this several times we both bureaus, I've never done business with this company not sure how they recieved my information. this company is hindering me from extending credit.They are sending me mail to collect a debt that I do not owe. this has stopped me from renting housing, loan approvals, vehicles etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A credit card account was opened without my permission in 2016 with XXXX  XXXX XXXX. I sent XXXX XXXX XXXX a letter a week after it was opened telling them it wasn't authorized. They did an investigation and sent me two letters confirming the account was unauthorized and that they would send out notices to the major credit reporting agencies. 

When the account did not come off of my credit reports I contacted all three bureaus and sent them the letters from XXXX. XXXX and XXXX both removed the account from my report however, Experian has refused to correct this inaccuracy on my report after filing two disputes with supporting paperwork from XXXX  XXXX XXXX confirming I did not open the account. 

I'm not sure what more I need to dispute this account or why disputes even exist if they don't actually remove factually incorrect information. 

Experian is completely wrong here and there needs to be some type of oversight.

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 2022-07-01
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, that you have on file for the accounts listed below. If you do not do this, I demand that the following accounts be verified or removed immediately from all 3 credit reports, XXXX account no. is XXXX... 
XXXX  account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX account no. is XXXX .... 
XXXX XXXX account no. is XXXX ....

Company response to consumer: Closed with explanation