BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: SC
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. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent certified mail with license proof of address and social card. My credit report contains many old address or unknown address that does not have to appear per FCRA.my credit report should be 100 % accurate. i informed you of this. you refuse to remove the old outdated address. Its affecting my score and thats affecting my life financially and mentally. 
Name-XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX phone # XXXX XXXX XXXX XXXX XXXX remove my work history on my credit report. its not lawful, i sent proof of verification before and i now have to go through the CFPB for help. please send me a copy of my report after all the changes have been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Over {$10000.00} has been taking thru my citizens account XX/XX/XXXX, sent over to a guy named XXXX XXXX on a third party XXXX XXXX I contacted both parties about the issue. I contacted my bank they said they would do a claim to get the funds back to my account & to wait 7-10 business days. I waited the days I call back because I seen no money was returned they told me I had to contact XXXX XXXX  which I did, I explained this issue they said that it was my bank who has to issue the return because they cant do nothing about it since money was received to ( XXXX XXXX ). So, I go back to my citizens bank to get this resolved & they keep telling me there gon na have me on a call back number thru there fraud mind you I have not received a single call back. I have the calls from me contacting citizens 10 times for a single call back to get my money back its been over a month & half. If my bills & monthly payments didnt come out I wouldve switched to another bank. I have a family to support and the way Im getting treated thru these companies is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: CA
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX. Please delete this account ASAP. Also, these inquiries are also fraudulent, please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX Account XXXX XXXXXXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Genesis FS Card Services, 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:
XXXX XXXX is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA. The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: MN
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:
The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX. Account number XXXX Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have made a payment before the 30 day late payment deadline every month since XXXX  All of the sudden they are reporting my account 30 days late. 

The website mysteriously is saying I missed a payment in XXXX which is not the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had a 12 month no interest offer on this XXXX credit card until XX/XX/2023 for balance transfers and they didn't disclose to me that they would start charging interest that day after on the XXXX ; expecting me to make the full payment the month prior with no notice. The balance was paid in full by me before my due date which was after the XXXX but they never disclosed that it was supposed to be before that. I sent the payment before my own payment due date just in case so that wouldn't happen as thats normal with any regular balance transfer. Its as if they just started charging it because they can without notifying me of that change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX XXXX reported {$650000.00} XXXX XXXX and XXXX XXXX dollars in student loans under my name. Some of these loans were transferred from the old servicer XXXX XXXX XXXX XXXX ) to XXXX XXXX. The resulting reporting dropped my credit score XXXX points. I am disputing the accounts and " reported inaccurately '' and " monthly payment obligation on account incorrect. '' The accounts should be listed " Account in Dispute '' and a remark should be placed on each student loan listed as 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 2023-08-02
Company: World Omni Financial Corp.
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Source Receivables Management LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In review of my credit report in XX/XX/XXXX I discovered a negative debt of XXXX owed to a company that I had never heard from or knowingly done business with, so I disputed the debt. A few weeks later I received an alleged debt validation letter in XX/XX/XXXX from a debt collector who purchased the alleged debt in XX/XX/XXXX. 

They claimed to have a debt owed by an original creditor that I ended service with in XXXX when I switched carriers. I have emails and chats showing I left XXXX in XX/XX/XXXX. The debt they allege I owed was from a date range XX/XX/XXXX. This was not a debt they verified, but they are still reporting on my credit reports. 

They violated the following Fair Debt Collection Practices Act 1692-1692p. : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- IT WAS 7 MONTHS AFTER THEY FIRST REPORTED RECEIVING THE DEBT. THEY BEGAN REPORTING TO THE CREDIT BUREAUS WAY BEFORE THE NOTICE EVER CAME.

( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector : See ATTACHMENT THE ONLY LETTER RECEIVED DOES NOT SHOW ANY STATEMENT This was the first notification I had ever received by Source Regional Management for any debt. No reason was given for why they failed to notify me. 

805. Communication in connection with debt collection Would hang up on me when I called to get more information because I refused to provide personal information to them.

807. False or misleading representations They claim that XXXX is a client in the validation later. Does not say they represent XXXX, or a law firm or anything else. 

Seems intentional by the debt collector. 

I called twice and needed to have clarity on how they think this debt is mine, but have not received consistent, clear or respectful communication with them. I had the right to say the debt was not mine and to not provide you with personal information. You were asked to further verify that this debt was mine and you hung up on me.

They have no interest to reasonably resolve this professionally, so I filed this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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 information incorrect

Complaint:
I made a payment on XX/XX/XXXX which is being reflected on my account but XXXX wouldnt report the payment and the lower loan balance to the credit bureaus. I have disputed the details of my account and they still did not correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: WA
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/2023 I sent Equifax a certified letter ( XXXX ) which they received on XX/XX/2023. This letter notified them that they are violating the Fair Credit Reporting Act by including information in my report which is inaccurate. This information includes addresses which are not deliverable to me by USPS. As of today 's date, XX/XX/2023 the inaccurate information has not been removed from my credit report, nor has the other personal information been changed as requested. I even submitted a copy of my driver 's license and bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: CA
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. 

Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : 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 explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 authenticate this account please investigate the unverifiable account : XXXX XXXX XXXX Balance : {$2.00}

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 explanation
Consumer complaint received 2023-08-02
Company: PENTAGON FEDERAL CREDIT UNION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I had {$460.00} taken from my account. I contacted to make immediately only to find out that I had other transactions taken from my account one for {$460.00} one for {$600.00} one for XXXX something dollars these transaction went to some XXXX XXXX I asked the bank to step in and stop these payments before they went out. I couldnt stop nothing but the last payment the bank said it was too late only thing that they could do was go in and file a regulation E dispute they told me it looks like I would not win the dispute although it only had been 24 to 48 hours. I would like assistance in trying to get this money back. Im a single parent and taking this kind of money from me is a whole lot of money. I barely have enough right now based on a fixed income to pay my rent, I would like some sort of assistance to step in and get this money back from this guy. This is fraud. I dont know this person and not did I authorize money to go out to him the financial situation that Im currently bank in with Pentagon , Federal credit Union . Theyre the ones so I contacted there XXXX department to try and get these balloons back from this person only to be told that more than likely it wasnt going to happen when young lady who I spoke with, said it would happen all they have to do is going to request the money back from the persons account. As long as they hadnt spent it I should be able to get my money back. Im just getting conflicting information at this point from these banks.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The following accounts reporting on my TransUnion report has the following inaccuracies and are in violation of my rights per CFPB Account # XXXX XXXX XXXX  is charged of with past due amount, Account # XXXX XXXX XXXX charge off with past due amount, Account # XXXX XXXX XXXX charge off with past due amount and account type open, Account # XXXX XXXX XXXX charge off with past due amount TransUnion is in violation of 15 USC 1681s ( 2 ) ( A ) ( 1 ) a person shall not furnish ANY information related to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe the info is inaccurate. Accounts follow.

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 2023-08-04
Company: EQUIFAX, 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief