BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NV
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 {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX  {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: EQUIFAX, INC.
State: NY
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:
this is the first time I 've ever checked my credit score and I saw how terrible it was and a lot of cards and inquiries that was n't mine. I have sent a lot of mails and called all the 3 credit bureaus regarding fraudulent inquiries on my account. I have no knowledge whatsoever about these inquiries and I even contacted the companies who did the hard inquiry and they said theres no record of it in their system. I have placed a freeze and fraud alert on my account and I do n't know where these came from. I am requesting CFPB to please verify the validity of these inquiries since EQUIFAX REFUSED to help me and was being very rude I am trying to build my credit and responsibly use my financials into getting a mortgage and these are really hurting my credit score XXXX XX/XX/XXXX NOT AUTHORIZED. PLEASE DELETE XXXX XX/XX/XXXX NOT MINE. PLEASE DELETE.
XXXX XX/XX/XXXX MINE.
XXXX XX/XX/XXXX NOT MINE XXXX XX/XX/XXXX NOT MINE. NO CLUE WHAT THIS IS XXXX XXXX XX/XX/XXXX DEF NOT MINE.
XXXX  XX/XX/XXXX NEVER HEARD OF THIS COMPANY, NOT MINE.
XXXX XX/XX/XXXX TO OLD. PLEASE DELETE XXXX/XXXX XX/XX/XXXX NOT MINE.
XXXX XXXX XXXX XXXX XX/XX/XXXX TO OLD. PLEASE DELETE.
XXXX XX/XX/XXXX TO OLD. PLEASE DELETE.
XXXX/XXXX XX/XX/XXXX NO CLUE WHAT THIS IS. PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In  XXXX  f   XXXX  , I filed a dispute request that a bankruptcy that had been included on my credit report be validated and verified with Transunion. I received a notice from both companies saying that the information was had been verified and that it would stay on my report. It also stated that if I had any further questions, that I should call the court for more information. Upon calling the  Federal Court bu ilding in  XXXX , I was told that they do NOT verify or validate information for ANYONE. I called both credit agencies, and was told that they verify through a third party. I then asked for supporting documents, stating that an outside company saying the info was correct was not enough. I was told that they were not required to validate or verify info with the ORIGINAL REPORTER, and that t he third party was enough. I responded that it was not, and that by law they are required to research the dispute with the original reporting agency ( just like they make consumers do ).      I want this item taken off of my report immediately or make be forced to take other avenues for actions, and/or restitution.

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 2022-08-31
Company: Exeter Finance Corp.
State: MS
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:
My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have disputed and ask for validation several times with XXXX, transunion, and XXXX regarding the company called XXXX XXXX XXXX that has reported entries on my Credit report. We learned today, by looking at the complaint and their response files through CFPB that XXXX XXXX XXXX has no supporting documents and did not, were not able to, produce any validation documents as outlined in the complaint. This shows that all credit bureaus have continually failed investigating my disputes and requests for validation time and time again. I would like all three Credit Bureaus to be censored and formal record made relating to this complaint. The statement made by XXXX XXXX XXXX Today ( they have ask their client to send documents to me ) is against all logic and non complaint with regards to Having all necessary Documents on file to Support furnished reports to the credit bureaus And to provide the validation requested just like I did through the CFPB and not one file or Document was provided as required for validation and accuracy of these long reported furnishings. 

Thank you CFPB for bringing this injustice to light after several years. 

The following documents attached supports this complaint and I ask again at this time for XXXX, Transunion, and XXXX to delete all entries reported by XXXX XXXX XXXX in my credit file immediately.

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 2017-08-28
Company: EQUIFAX, INC.
State: AL
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:
I accessed my personal credit file from the individual Credit Reporting Agency 's and noticed that there were several ( 25-35 ) unauthorized credit inquiries on my report. I contacted Equifax directly and spoke with 3 different representatives and  explained that my credit file was accessed 3 times in one day by a company and 5 times within 8 months by another. I advised them that my credit file was being abused and they kept stating that it was a factual representation of my file. I went over each inquiry with the representatives one by one and let them know which inquiries i authorized and for what occasion, and they refused to remove or investigate the inquiries. I was in fact told by the representative ( supervisor on duty XXXX ) that they do not investigate inquiries and in fact the ability to dispute them online or even by sending in a motion to investigate the inquiries via mail, are pointless and will not be investigated because " it is a factual representation of the consumers credit file ''. This is hard to believe when I, as the consumer, openly stated which inquiries i authorized and which ones i did not! As stated by FCRA rules all disputes must be investigated. Equifax is failing to comply with FCRA laws and regulations. The inquiries in dispute are listed with their corresponding dates : 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 : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX :XX/XX/XXXX ( not a typo twice in one day ) XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX ( yes they accessed it 3 times in one day ... you now see my point ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX As you can see from the inquiries listed  above, there has been misuse of my credit file and the representatives of Equifax refuse to handle the situation promptly, instead they state that inquiries will not be investigated, which directly goes against FCRA laws and regulations. FCRA section 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I came to the consumer complain And about this issue, before the bank said they had it result, in a couple of items the bank replied that they had it under resolve, they said that they was returning my money, 1 for a car two cars that I have purchased return, 1 for {$2200.00}, and another for XXXX, recording a purchase from XXXX in return. They gave me back {$1000.00}, still remaining balance of the {$500.00} I did not receive. But the bank said that they had it results. They asked me for other documents. But never returned the money. Up on the car for {$2200.00}. Document I gave them to him. And they close the case. Never letting the merchant the car dealer do his job. This was supposed to been a return item. Upon a return item a car dealer is going to pick up his car repos his car. The bank consistently held onto my money. And close the dispute. This was Bank of America. In another case of a dispute. At a hotel. They're supposed to give me a return. Do banks still have not returned that money. They sent me a letter of apology. And that they was returning the money. I still have not received that 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 monetary relief
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
A representative sent a text after I went online to inquire about a vehicle. And selected there PRE APPROVAL OPTION with no effect to your credit. The representative called and sent multiple text about not completing the pre approval. He provided reassurance that it is a SOFT HIT and will not damage my credit. I stopped based on me knowing my credit score. The rep proceeded to call and sent texts stating that there will be no impact to my credit report. I filled out pre approval. I then called the rep and stated my credit score just dropped and was told it shouldnt have. I then contacted general manager after my credit showed an inquiry and was told that the inquiry will stay on my report for 3 days and fall off. This occurred with XXXX XXXX XXXX NC in XXXX, NC. I did ask if the calls are recorded and they provided that their calls are recorded.

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 2022-08-31
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I entered into a settlement agreement with Midland Credit Management, on which I was to make monthly payments of $ XXXX until the debt was paid in full. I gave this agency my banking information and they were taking my payments, as agreed, from my checking account. I even listened to their recorded version of their terms and conditions, and agreed by pressing " 1 '' on my telephone keypad. I gave them my full name, to be included with the automated commitment to pay. I changed banks in early XXXX, and called to notify them of the change, provided them with my new banking information, listened to their recorded terms and conditions, and agreed by pressing " 1 '' on my telephone keypad. I was operating under the assumption, based on what I was told by the telephone representative, that they would begin to use my new banking information, to finish out the payment agreement. I received a statement from Midland Credit Management, via USPS, showing the payment amount due, the payment due date, and the plan balance. I reconciled the automated drafts, showing on my bank statements and found that they had not taken my payment for XXXX, XXXX, or XXXX. In XXXX I received another call, which resulted in my giving all of my information to them, in the identical way that I had originally entered into the agreement. I had another call, XXXX, and this call was identical to the calls in XXXX and XXXX. I gave them my information again, exactly the same way that I had done when I called to advise that my banking information had changed. Now it is the end of XXXX, and I received a blocked call, which went to my voicemail. I listened to my voicemail and found that it is another call from Midland Credit Management. At this point I am extremely suspicious over what they may be using my personal information for, since it obviously isn't for taking the final installment, which would result in the account being paid to a XXXX balance and satisfy the terms of my original contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: MD
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$6000.00}, {$9000.00}, {$17000.00}, {$5800.00}, {$2900.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.

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 2020-07-28
Company: American Accounts & Advisers, Inc.
State: MN
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:
XXXX no Im not happy I need to know who removed American account from the file? 
I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with BSI Financial 's Loss Drafts Services because my house flooded and my insurance requires that my loss check be endorsed by my mortgage company. They have had the check for two months, and have made it virtually impossible to get paid. When I finally met all of their requirements and jumped through every single hoop ( which was difficult because every person I talked to told me something different ), they told me they would send me a check ... and then they didn't. It seems like they are actually trying to prevent me from being paid. I'm a fairly reasonable person and a lawyer, but I feel like if they are doing this to me they must be treating others the same way, and it's frankly unacceptable that people with damaged homes need to spend hours and hours begging their mortgage company to give them their insurance proceeds. Right now they are giving me the run around on a check that is over {$40000.00} because they keep doing it wrong ( writing it for the wrong amount, mailing it to the wrong address, etc. ), none of which is my fault. I am at my wit 's end and honestly I think they may want me to default on my mortgage. I would never work with BSI if I was choosing a mortgage servicer. Please be careful if you are working with them and do not let them get away with not paying you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: DC
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 account number XXXX and ACCT XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.

Company response to consumer: Closed with explanation