BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
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 a natural person, I am a living human being and I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681 and they have violated my rights numerous times. I demand the account ( s ) listed below be removed. 

According to 15 US 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these inaccurate accounts. 

Account Name & Number : XXXX XXXX # XXXX .....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
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: 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 seven 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me XXXX XXXX XXXX XXXX, to the point where I'm having trouble sleeping.

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 2023-05-18
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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:
After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by The XXXX. The company claimed that I owed for something I disputed with them. I have yet to receive any written communication from them. I have recently had negative hits on my credit report from XXXX XXXX. I have not been given the proper documentation and they are taking illegal action to place this on my credit report without going through the proper procedure of debt collection. 

Please have them provide physical evidence that I have a legal obligation to pay XXXX XXXX. That is exactly all I need. Please provide me with the name of a written agreement, signed contract with XXXX XXXX, the money owed, and license number. If they can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ive been awarded 18 months free of mortgage from XXXX XXXX Department XXXX XXXX and I was told my XXXX mortgage was sent but flagstar has told me the payment was never sent it is now XXXX and still no payment for 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 explanation
Consumer complaint received 2023-08-11
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed some fraudulent inquiries on my credit report I would like them removed XXXX XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  ONEMAIN Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: GA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. Equifax Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX XXXX Account Number : XXXX or XXXX, Worst delinquency is inaccurate. Payment history is inaccurate. Derogatory events is inaccurate. Closed date is inaccurate. Last activity is inaccurate. High balance is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I sent in a disrepute letter against XXXX XXXX to Transunion. Asking that the negative report be removed from my credit report! ( Which Transunion refused to do ) I shared documents to back up the facts ( which Is I own the automobile ) no  debt is owe on the 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 2023-05-19
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:
Equifax has neglected my dispute I sent in by mail. I have yet to receive any updates. This is not the first time I have disputed, They have failed to accurately verify the information they are reporting on my behalf. Reporting late payments on my report causing damage to my financial reputation. Equifax Is in direct violation of The FCRA 15 USC 1681B, 15 USC 1681, 15 USC 1681E ( B ) AS WELL AS 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Equifax has failed to assure maximum possible accuracy of any account it reports on behalf of a consumer. Equifax should not just report anything on my report because they are being compensated by third parties, this is unfair to me the consumer. As this has been causing me alot of stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I opted out of XXXX XXXX  products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on Bank of America. BOFA claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.

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 2023-05-19
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that this information was erroneous. The Equifax credit bureau must validate this unknown item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: MI
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 constantly report these items but nothing happens and they claim to keep reporting as verified and updating the dates when indeed these are fraud and i filed an identity theft report. I want these items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Citibank savings account last month. I needed access to the funds due to a broken air conditioner during a heat wave. I have been prevented from accessing the funds due to a fraud alert. I have spent over XXXX hours on the phone with Citi over the past 10 days trying to get this resolved or simply close my account in order to access the funds, but have not gotten resolution.

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 2023-06-20
Company: EQUIFAX, INC.
State: SC
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:
My data and personal information was compromised and I noticed that from analyzing my credit report.This took place since 2020 when I let XXXX, Equifax and XXXX. Know that there was fraudulent and inaccurate accounts and info on my credit report. I'm not sure if the cause was from me losing my wallet on a construction site at the time when I were at work or it could of been from a data breach from Equifax which I was a victim of according to the link Equifax have to fill out your info if you may be a victim of identity theft and your data was breached and I were a victim but this took place before the data breach and from my understanding my info was leaked on deep web.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I can not reach these people by phone. They do not respond to my email. They send me a bill every month by email but I can not access the account to view my interest rate or update my contact info. The flagged my card as fraudulent when I moved. I sent my information to the only address I had for them which is in XXXX, Ohio. I can only pay my bill now through the XXXX XXXX XXXX XXXX. These is regarding my Comenity Bank XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/23 for XXXX XXXX XXXX. Company has received my dispute. It is now XX/XX/23, I have not heard back from the company. The FCRA gives the company 45 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation