BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XXXX and USAA Banking you both verified this closed account XXXX XXXX XXXX, XXXX XXXX both different account numbers please reinvestigate your verification UNDER 15 U.S.C. 1681 a { e } please give me your verification you must have the information The law is the law and you have to follow the law REMEBER 15U.S.C.1681a { e } enclosed are my documents { 30 day by law } these accounts listed are Closed accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 companies listed below and account numbers, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Account NUmber : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account NUmber : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX CA XXXX Phone Number ( XXXX ) XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 2022-11-28
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The information reported is improper, without consent, inaccurate and incomplete which may be considered false, fraudulent and misleading information Account XXXX XXXX XXXXXXXX # XXXX, Account XXXX XXXX XXXXXXXX, Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXXXXXX XXXX XXXXXXXX, and Account 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

The information reported is also inaccurate and incomplete information which may be consistent with false reporting and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: CORELOGIC INC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 CREDCOXXXX XXXX  I has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my 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 2022-08-21
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been trying to get the PMI removed from my mortgage for almost two months and get nothing but form letters and dead end phone calls. Freedom Mortgage requested a XXXX dollar payment for a BPO to establish value. That XXXX dollar check was sent for a BPO certified mail on XX/XX/XXXX. I called to confirm receipt on XX/XX/XXXX and was told the check was cashed and I a written response was on its way. Freedom sent me a letter dated XX/XX/XXXX saying PMI could not be removed there needed to be a BPO. THE SAME LETTER THEY SENT IN XXXX! THE SAME LETTER I RESPONDED TO ON XX/XX/XXXX! This has been going on for two months now. Nobody on the costumer service line can help as the actual decision makers are not customer facing. So you call ask for help and are told to write the company or submit your request via the website which simply produces another irrelevant form letter.

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: SYNCHRONY FINANCIAL
State: NJ
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

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 2022-06-22
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:
In accordance with the fair credit reporting act ; XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX & XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX 15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX & XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX 15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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:
This dispute is regarding XXXX XXXX Inaccuracy # 1XXXX The " date of last activity '' does not match across XXXX XXXX Experian, and XXXX XXXX XXXX reports XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. This date must be accurate because this is the date of original delinquency. A collection account can only stay on your credit report for 7 years and then it is deleted. This date also determines when the statute of limitations is up and shows how long a debt collector has to sue and in Texas that is 4 years. 

Inaccuracy # 2- The amount owed of does not match across the bureaus. XXXX is reporting {$500.00}, Experian is reporting {$500.00}, and XXXX is reporting {$500.00}. 

Inaccuracy # 3- The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Inaccuracy # 4XXXX The " Open date '' does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Other Violations on this collection account include : -XXXX is reporting a past due amount of {$500.00}. Collection accounts are closed and there for should not be reporting a past due balance. 
-XXXX  is reporting is reporting this closed collection account as " open ''. 
-There is no date of last payment listed for any of the credit bureaus. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information. 

XXXX and the credit reporting agencies XXXX, Experian, and XXXX were made aware of all FCRA violations multiple time and the issues were left uncorrected every time. They have also NEVER provided the original contract containing my wet signature, NEVER provided an itemized billing statement of all payments made, NEVER showed proof of ownership to show that they are authorized to the collect the debt, and NEVER provided the method of how the collection balance was calculated. I have already requested this information in previous disputes. This company is taking part in illegal debt collection practices and after this I dispute, if the violation is not fixed, I will be taking further legal action.

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 2023-05-11
Company: EQUIFAX, 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:
I have filed an identity theft report with the FTC and have disputed this account with the credit bureaus to no avail. The following account does not belong to me, maybe they are confusing my name with somebody else. Please alert the credit bureaus to remove this from my credit : XXXX XXXX XXXX {$25.00} opened XX/XX/2012

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX, I submitted credit applications for Capital One. Each and every one was denied. However, I never consented or submitted a credit application knowingly with my personal information for XXXX. I received an email from Capital One on XX/XX/XXXX stating that a credit card was shipped out. I was completely unaware of any credit applications submitted with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please delete the following account. They are a violation of my federally protected consumer rights. USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written consent. This accounts have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

US Code 1681 a5 no consumer reporting agency may make any consumer report containing any adverse item of information, other than convictions of crimes. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please delete the following account. They are a violation of my federally protected consumer rights. USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written consent. This accounts have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

US Code 1681 a5 no consumer reporting agency may make any consumer report containing any adverse item of information, other than convictions of crimes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are in violation of my rights and hippa Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, 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:
Equifax and XXXXXXXX XXXX you both verified this closed account XXXX account XXXX, Equifax AccountXXXX both different account numbers please reinvestigate your verification UNDER 15 U.S.C. 1681 a { e } please give me your verification you must have the information The law is the law and you have to follow the law REMEBER 15U.S.C.1681a { e } enclosed are my documents { 30 day by law } these accounts listed are Closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
BMW Financial has failed to provide material disclosures regarding this consumer credit transaction. BMW Financial has failed to provide documentary evidence for this consumer credit transaction. BMW Financial has not provided detail regarding whether they have resold my promissory note.

Company response to consumer: Closed with explanation