BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has come to my attention that despite my relentless efforts to rectify the fraudulent accounts on my credit report, you have failed to provide a reasonable solution. These accounts continue to plague my financial life, and I can no longer tolerate your blatant disregard for the law and your duty to consumers. 
I want to make it abundantly clear that I have taken every conceivable step within my power to rectify this situation. I have submitted detailed disputes, provided substantial evidence of fraud, and diligently followed your prescribed procedures. 
Your persistent refusal to take action to correct this grave injustice not only violates my rights but also exposes your agency to serious legal consequences. Under the Fair Credit Reporting Act ( FCRA ), it is your solemn obligation to ensure the accuracy and integrity of the information you report. You are legally required to conduct thorough investigations when a consumer disputes the accuracy of any data on their credit report. 
I insist on the immediate and unequivocal removal of the following fraudulent accounts from my credit report : 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 2023-04-14
Company: Collection Receivables, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told this debt collection company to please stop contacting me, and that Im unaware of this supposed debt. The late payments reported on my credit report were not authorized by me and were reported without my written consent. Therefore, I am disputing the accuracy of these items and requesting that they be removed from my credit report. I am also requesting that you provide me with documentation showing that you had my written consent to report these items. 
As you may know, the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer report can be furnished. The FCRA requires that consumer reporting agencies may only furnish consumer reports for certain purposes, including credit transactions involving the consumer, employment purposes, insurance underwriting purposes, and in connection with a legitimate business need initiated by the consumer. Additionally, the FCRA requires that a consumer must provide written consent before a consumer report can be furnished for most purposes. Please investigate this matter as soon as possible and provide me with the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: VA
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. 
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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 these accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have tried to access my credit report on Transunion since XX/XX/2023 it keeps giving that message technical difficulties and try back. Today i tried and also spoke with 3 reps who told me to do different steps that did not work. Im trying to look at my credit report because i want to purchase a house this is holding me up. FCRA regulations are being violated and neglected. I also paid for my credit report which is only available until XX/XX/2023

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 2023-12-18
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX 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 XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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:
Dear equifax I see information that on my consumer report that is result of identity theft. I did not provide any written permission or instructions for this account to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material representations of fact by the relevant to the request to block the identified account. This account and transaction is not information related by me the consumer. XXXX XXXX XXXX Account number XXXX Down below I attached all supporting documents my drivers license my social security and my identity theft form. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual to whom the record pertain to ( PRIVACY ACT 1974 ) ( 15usc552a ). A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ( 15usc1681 ( c ) ( 3 ) ) ( FCRA ). A non-affiliate third-party that receives from a financial institution non-public person information shall not directly or through an affiliate of such receiving third-party disclose such information to any other person that is a non-affiliate, third-party of both the financial institution and such receiving third-party, unless such disclosure will be lawful, if made directly to such other person by the financial institution ( 15usc6802 ( c ) ) ( FCRA ). Any person who obtains a consumer report from a consumer reporting agency, under false pretense, on knowingly without a permissible purpose, shall be liable to the consumer reporting agency for actual damages, sustained by the consumer reporting agency or {$1000.00} ( 15usc1681 ( n ) ( b ) ) ( FCRA ). 

Number of Inquiries : 27 Please remove all soft and hard inquiries 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 2023-10-03
Company: EQUIFAX, INC.
State: NC
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:
I asked XXXX, Equifax and XXXX to Investigate the legitimacy of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for these accounts to be investigated because I do not recognize these accounts and furthermore the discrepancies raised more concerns with the reporting standards of these accounts. I specifically asked for substantial proof and any evidence showing my consent supporting the nature of these reporting 's. 

XXXX and EQUIFAX both stated that the accounts were 'VERIFIED AND UPDATED '' however that can not be true because the accounts that I asked to be investigated are still showing MAJOR discrepancies in the reporting between the bureaus. 

THE CREDIT BUREAUS NEVER TRULEY investigated these accounts and still continue to report them to my consume report. " According to Law 15 USC 1681s-2, a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. 

Attached is proof of falsely investigating and discrepancies ARE HIGHLIGHTED. 

XXXX  did not respond to my dispute but I have already previously submitted a complaint for them**

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: MO
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:
I am writing to express my deep concern and frustration regarding the continued presence of fraudulent items on my credit report despite numerous previous attempts to have them removed. These fraudulent entries are severely impacting my creditworthiness, and I urgently request your intervention to address this persistent issue. 

This account was opened fraudulently and is not connected to me in any way. I have reported the identity theft and fraudulent activity related to this account multiple times. The debt is not mine, and I have provided supporting documentation, such as police reports, to substantiate these claims. 


I have reported this fraudulent activity to law enforcement, and it is not my debt. I have provided evidence to support these claims in previous disputes. 

This collection account is a result of fraudulent charges and has no connection to my financial history. I have diligently reported this to the proper authorities and the creditor. Supporting documentation, including police reports and incident reports, has been provided. 

It is disheartening to note that despite my previous disputes and the evidence provided, these fraudulent entries remain on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies take immediate action to investigate and remove inaccuracies in credit reports. 

I respectfully request that you re-evaluate my past disputes and expedite the process to remove these fraudulent items from my credit file. I expect that you will keep me informed of the progress and provide me with a copy of my updated credit report once these inaccuracies are rectified. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: MI
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 do not recognize the alledged debt or debtor on my credit report and I refuse to pay it. I have never done business with nor do I have a legal or binding contract with XXXXXXXX XXXX XXXXXXXX. This account was recently closed and then reopened after disputing it previously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: IL
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:
15 USC 1681a ( 4 ) Consumers right to privacy. My right to privacy has been violated by reporting this information to my consumer reports.

15 USC 1681b ( a ) ( 2 ) Permissible Purpose Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 a2b ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: Experian Information Solutions Inc.
State: FL
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:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 2022-11-22
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:
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 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 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2023-09-04
Company: Experian Information Solutions Inc.
State: GA
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:
Sent out debt validation never received any Response Regarding XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such 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 2023-12-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 have out numerous hard inquiries that I don't recognize on 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 explanation
Consumer complaint received 2023-12-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
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:
Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Atlanticus Services Corporation
State: TX
Product: Credit reporting 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:
In my XXXX report, it shows Hard Inquires that are not mine and I do not know the companies that issued it : FORTIVAXXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX i was told the money was being put back into the account and not to me as in the past and this could not be changed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have my loan through LoanCare and have had issues with Private Mortgage Insurance. 

I was told by their employees my PMI can be dropped at 2 years with no missed or late payments and at least 20 % equity in the home. 

XXXX XXXX - XXXX requested the PMI to be dropped. The lady told me I completed all the requirements, and she would put the request in for me. 

XXXX  XXXX - When I called about another issue, I asked about PMI being dropped and they told me it was never submitted by they would do it at that time. I called back later in the day wondering about being credited the amount of the PMI and was told ( by their escalation team - Employee was XXXX and would not provide any other name or Employee number ) that I did not complete the requirements and that I needed to have 25 % equity in the home to qualify based on the backer of my loan ( Fannie Mae XXXX .That they have the documents I signed at closing and that it was 25 % not 20 % equity needed. Knowing this is incorrect, I contacted the company I financed my home through at purchase and it is 20 % equity - with my signature on the document. 

After this I went online to upload the document showing their error and I reviewed their PMI policy and the requirements only mention 20 % equity or if they are high risk loans. Which our loan is nowhere near high risk. 

After dealing with at least 4 people - all having conflicting stories or policies - I have exhausted all my options.

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