BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: NJ
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XX/XX/202XXXX XXXX  XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$3200.00XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX Balance : {$680.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report CREDIT BEAURU XXXX already deleted a couple Im request for the others to follow In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX for XXXX XXXX XXXX, XXXXXXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Child support Enforcement XXXX XXXX XXXX  # US DEPT. OF Ed # ending 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX this information. Having understood this is a violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ). Both together and separately my consumer and privacy rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: The Outsource Group, Inc
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt has been collected on a bill from Washington XXXX XXXX in Washington DC. The hospital submitted a collection notice prior to payment by XXXX XXXX XXXX XXXX. This has caused significant damage to my credit report. I need this corrected ASAP. I thought reporting medical information to the credit agency is against XXXX law. Can you help? 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 2018-08-21
Company: First Associates Loan Servicing LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled in an online class in XXXX, and the loan was through XXXX XXXX for around XXXX. I was unable to finish the class. I contacted XXXX in XXXX to pay the loan or come to so type of agreement. An agreement was reached or at least that was what I thought, the company withdrew the amount I agreed to pay five times within three days. Since this time I have not been able to reach any type of agreement with this company. 

Now they are reporting on my credit report as an open account in the name of First Associates, and reporting late payments every month since XXXX. The interest has risen to XXXX and the fees add up to XXXX bringing my closed account up to XXXX. 

I need help to get this company to report the right status and right account on my credit report because of their negative reporting and misleading reporting has cause me great harm and a tremendous lost of a home I was attempting to purchase. 

My name is XXXX XXXX, and my email is : XXXX. 


Thanks for your time, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My At & T universal Credit Card/ CITI was charged with fraudulent purchases during XXXX 2015. XXXX calls were made, XXXX certified letter were sent to remedy the problem : I asked them to drop the charges, to close my account, and NOT to send A NEW CREDIT CARD. NONE OF MY REQUEST WERE ANSWERED AND A NEW CREDIT CARD WAS SENT TO MY ADDRESS which I have not received and was activated not from my phone. This credit card company may have a security breach : I had to place a credit freeze plus change all my credit cards and bank account numbers and I still have not received a letter from the AT & T credit card company stating that all my accounts at the credit card company are closed. After multiple calls and letters in the last 6 weeks no resolution has been reached and my account is still open : I want NO credit Card from them and No account with them. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NY
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 rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report CREDIT BEAURU XXXX already deleted a couple Im request for the others to follow In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX for XXXX XXXX XXXX, XXXXXXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, Child support Enforcement # XXXXXXXX XXXX  # US DEPT. OF Ed # ending 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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
SOME CREDIT ACCOUNTS WAS OPEN IN MY NAME WITHOUT ME KNOWING

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 2022-02-10
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:
Please be advised that as of XX/XX/2020-as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2017-09-08
Company: EQUIFAX, INC.
State: CO
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: Didn't receive services that were advertised

Complaint:
Equifax has proven that it is grossly negligent in handling my very sensitive, personal information. This is particularly distressing because by the nature of their business, I have no control over being their " customer '' or not. 

Besides that, their most immediate course of action to remedy this disaster was to rather sneakily try to trick me and other consumers into allowing us to shield them from legal consequence by tucking an arbitration clause into their offer of free credit monitoring terms of service which is n't even displayed on the same page that you sign up for said monitoring. It all stinks of rather underhanded tactics, to me. 

This company deserves to bear the FULL burden of consequences for having endangered nearly half the adult US populations ' personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX FL XXXX : Account # XXXX, has violated FDIC 18 USC 894 and FDCPA 15 USC 1692e. 

15 USC 1692e : False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

18 USC 894 : Collection of extensions of credit by extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

I sent XXXX XXXX XXXX FL XXXX a dispute in regards to this account, which was delivered on XX/XX/XXXX as per XXXX tracking number XXXX. As of today, the account has yet to be updated on my consumer reports as disputed by consumer in accordance with 15 USC 1692e. Also, the company has sent me a Non-payment notice which states that I could be subject to negative credit bureau reporting if I do not pay the debt by a certain date, which is a form of punishment for non-repayment, pursuant to 18 USC 894. 

The violations mentioned are grounds for removal and deletion of the above referenced account on all of my consumer reports. 

Please see attachments as they contain supporting evidence.

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 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I lost my credit card but i was able to use it on XXXX XXXX till i noticed there were purchases that i havent made to the point i cant even use my card anymore. I did make a payment regardless of it getting stolen so my score wouldnt be affected but i was too late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance increased my monthly payment by {$79.00} in the month of XXXX and did not provide any explanation or notice that this was being done. I was then charged a late fee because I paid the normal monthly payment not knowing they increased it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Back in XXXX i filed a dispute on a late payment with XXXX. Experian disputed the credit card as not mine. XXXX closed my credit card because they thought it was open fraudulently. I called XXXX  XXXX and filled out a identity form confirming my identity with my driver 's license and ssn card. I also had the form notarized. XXXX told me they can't re open the card unless Experian contact them and tell them it was an error on their part. I contacted Experian and they promised to fix this and contact XXXX  so the account can be reopened. As of XXXX Experian still have not contacted XXXX XXXX and is now stating they cant help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX FL XXXX : Account # XXXX, has violated FDIC 18 USC 894 and FDCPA 15 USC 1692e. 

15 USC 1692e : False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

18 USC 894 : Collection of extensions of credit by extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

I sent XXXX XXXX XXXX FL XXXX a dispute in regards to this account, which was delivered on XX/XX/XXXX as per XXXX tracking number XXXX. As of today, the account has yet to be updated on my consumer reports as disputed by consumer in accordance with 15 USC 1692e. Also, the company has sent me a Non-payment notice which states that I could be subject to negative credit bureau reporting if I do not pay the debt by a certain date, which is a form of punishment for non-repayment, pursuant to 18 USC 894. 

The violations mentioned are grounds for removal and deletion of the above referenced account on all of my consumer reports. 

Please see attachments as they contain supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called SunTrust bank this morning at XXXX est. I had an issue where I can funds available for a transaction and positive balance after the transaction. I was charged {$36.00} NSF fee and called to discuss with bank. 
I talked to a agent ( XXXX ) provided my issue as to what my online/app is reporting as activity, and the agent told me that this is not what is showing on her system, and offered to send over screen-print to have reviewed. I informed that not the consumer issue if their system reflects something different that the online system, we as customer rely upon our access to know what is available. 
The agent informed that due to a courtesy waiver was already completed in XXXX that she could not assist, and that this is all that she could report. The agent and myself did not meet an consensus about the final results and I asked to speak with a supervisor. 
Supervisor Mr. XXXX came on the phone, and informed of the same concerns. I was told the same information, and offered yet again to send over screen prints of the transactions, and the Supervisor bluntly was dismissive and when could not reach an agreed upon consensus I asked Mr. XXXX to transfer me to his manager, and told refused, and told understand if no one was available that he could take down my number and have them to return me a call. The Supervisor refused to escalate the call, and have a manager to return my call, citing my warranted and that I could place my concerns in writing, which is what I'm doing here. I do not agree with the bookkeeping of SunTrust, and not willing to accept information to make a fair assessment of my concerns or complaint. I was informed to place my issues in writing. the supervisor was rude, and dismissive and not customer oriented to assist the consumer. the form says that the NSF charge is for the fee of {$6.00} XX/XX/2019 when it was clearly a positive balance after the charge listed.

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 2017-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax Inc. said its systems were struck by a cyberattack from midXX/XX/XXXX2017 that may have affected about 143 million U.S. customers of the credit reporting agency. Information accessed includes names, Social Security numbers, birth dates, addresses, drivers license numbers, credit card numbers, and accessed dispute documents with personal identifying information. 

Equifax Inc. has just now announced this to the public. More than a month after potential unauthorized access to the information stolen. The company has done nothing to personally alert me about the incident and has not done anything to further protect my information or identity. 

I have issued a temporary alert on my credit report to deter any unauthorized access or use of my information, however this is not remotely a foolproof way of protection my identity or my credit.

Company response to consumer: Closed with explanation