BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Grain Technology, Inc.
State: MA
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:
Late last year in XXXX I heard about a company named Grain, an App that could assist you with increasing your credit score. At the time I was looking for products to do just that, I debated for a bit because this particular company requires a down payment. Eventually I went ahead and moved forward I signed up and gave a security deposit of {$150.00}, the idea is you are borrowing against your own money and they report it as a trade line to the bureaus to assist with your credit. Everything was okay at first until one day my bank account which must be synced was disconnected. Grain has essentially poor communication with their customers, I found this out when the issues raised. Due to the lack of real communication and explanation of why my account would disconnect or why I wouldnt be able to log in at times payments would have issues because the only way to make payment would be via autopay with synced account, or through the app to my knowledge. Grain started to report me to the bureaus for late payments in the midst of me emailing them for assistance to get access to my account to make payments. They have virtually no response to emails outside of copy paste, their number doesnt give live agent access. If you dispute them with the bureaus you get no response from this creditor they just respond to the bureaus again with inaccuracies, The bureaus keep allowing them to report inaccurate information even when I provided proof. I even reported them to XXXX  and they were dishonest about following up with me repeatedly. Fast forward to this month they took {$120.00} from my bank after reporting my account as a charge off and still not responding to my correspondences. No explanation, my account is now paid in full and they refuse to update the bureaus with accurate information that the account is paid in full they refuse to delete the accounts from the bureaus and they refuse to return the security deposit. I dispute this with the bureaus and provided proof that they are indeed not reporting correctly and the bureaus still wont correct the information and are allowing inaccurate information to be reported! After doing research I should have done from the beginning I realized I am not the first customer to experience this with this company or the bureaus in relation to this company! They have ruined my credit history, essentially stole my money and at this time seem illegitimate. So I am reporting them in hopes that they stop this poor practice of false reporting and not communicating, or validation of the information they send. The bureaus are investigation must be more thorough to determine what is legitimate and what is not this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have requested numerous validations of debt from a debt collection company by the name of ( XXXX XXXXXXXX  ) that is trying to collect an amount of {$17000.00}. The company has sent me the same documents multiple times showing where they bought the debt from XXXX Westlake Financial ) consisting of a bill of sale, the retail installment contract between ( XXXX ) and I ( XXXX XXXX XXXX ), The credit application that I ( XXXX XXXX XXXX ) used to apply for financing with ( XXXX ) along with the used car bill of sale that I ( XXXX XXXX XXXX ) signed with ( XXXX ) and a Notice To Sell Property by ( Westlake Financial ) at a public auction after the vehicle was repossessed. Nowhere in there Verification of Debt has ( Investment Retrievers ) provided legitimate paperwork with my signature in ink saying that I agree to pay ( Investment Retrievers ) for the debt that was owed to ( Westlake Financial ). They have participated in 15 U.S.C. 1962 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. states that a debt collector can not practice. And has also tried to sue me for debt that I do not owe to them. This has taken an affect on my livelihood. Please resolve this issue and remove this collection from my XXXX and XXXX credit report. Thank you so much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: 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 ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big XXXX CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation.

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information.

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. I insist on the immediate removal of the identified items, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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 recently submitted a request for a reinvestigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or correct the following accounts from my file. 
XXXX XXXX XXXX Balance : {$640.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$21.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: MO
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 Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2023 I Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry XX/XX/2023 I Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TAKE NOTICE ( XXXX ATTEMPT ) COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY REPORTING UNAUTHORIZED INFORMATION. ON XX/XX/XXXX, IN WRITING, I SENT COMPANY AN OPT OUT NOTICE. COMPANY IS STILL REPORTING NON PUBLIC INFORMATION ACCORDING TO CREDIT REPORTS. 

COMPANY IS IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF XXXX -CODE OF FEDERAL REGULATION TITLE XXXX CHAPTER XXXX SUBCHAPTER C PART XXXX PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE XXXX UNITED STATES CODE XXXX XXXX OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
ON XX/XX/14 XXXXXXXX  I CALLED XXXX AND REQUESTED NAME AND ADDRESS CORRECTION. I SPOKE WITH 2 DIFFERENT REPS AND WAS TOLD IT WAS COMPLETED AND WILL BE UPDATED IN 72 HOURS. NO CHANGE HAS BEEN MADE AND I AM HAVING A HARD TIME OBTAINING HOUSING. 

THEY STATED IT WOULD BE FORWARED TO XXXX AND TRANSUNION..

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-29
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
15 USC 1682a1, i did not give my permission to have such accounts furnished on my report. I have not supplied proof under a doctrine that estoppel by silence Englehart v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, in fact therefore exists

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 2023-01-02
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Blackhawk Network Holdings Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX, I flew with XXXX and gave up my seat. They provided me {$2000.00} in credit cards ( 8 {$250.00} cards ) through MyPrepaidCenter.com. I have been trying to use the cards - sometimes with some success, but most of the time I have random rejections - address doesn't match ( when it does ) ; exceeded credit limit ( when I am below the amounts provided ) ; store doesn't accept ( limited retailers was not disclosed ) ; rejected when attempting to use their " preferred vendors list. '' The card expires on XX/XX/XXXX- I have been attempting to use the balance- but I can't get the final {$50.00} approved. That is a 2.5 % undisclosed effective fee. I have made XXXX aware of their partner 's behavior. When trying to get to a person, you can't. Instead, you get looped around the phone system and finally disconnected. I called their fraud line, where my first call was redirected to a survey/scam for a medic alert system. I called again and finally found a human. The calls were directed to XXXX XXXX XXXX ( XXXX ) XXXX. I suspect I am not alone, and this company is skimming quite a bit of money by preventing use and not returning the funds to a company like XXXX. It should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Open on XXXX XXXX Amount {$200.00} I called the company and the credit bureaus, and explained to them that I was a victim of identity theft. My roommate stole my information and presented to be me and got multiple credit cards in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Incorrectly fees and over draft fees Had multiple fraud issues Inccorectly adding mortgage application

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 2023-08-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!

Company response to consumer: Closed with explanation