BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I reached out to the credit bureau and its been over 30 days with no 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 explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions 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:
I submitted disputes for 3 Creditors : Original creditor : XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Not only was I not provided the status of this dispute but 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 exist I am requesting for these items to be removed from my report immediately! 
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 2023-03-13
Company: Zions Debt Holdings
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a text from someone named XXXX XX/XX/XXXX said I owed {$770.00} amount. As I had already disputed amount/was removed previously I asked for email to send them this information - I come to find they had already posted this on my credit report XX/XX/XXXX and to date Ive not received any sort of Debt Validation letter now over 90+ days of reporting this invalid debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: CA
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:
XXXX  dosent even have my correct last four of my social security number so how is there any collection and delinquent past due accounts on my credit report? if the social dont match? ill tell you because there not verifying nothing thats reported. because the more info the more profit they make only when i try to remove fraudelent items do they do everything they can to keep as much data they can. more data equals more profits so they have an financal intrest to not delete any data thus a conflict if intrest results discrimination. im being discriminated and as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant belive XXXX XXXX is still a thing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2022-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Date : XX/XX/2022 Total Amount : XXXX There were 4 times in 1 day my account got unauthorized transfer through XXXX to the same email address : XXXX. The receiver name is XXXX. I don't know this person at all. 

I normally will receive text message from BANK OF AMERICA whenever there is a XXXX transaction. I did not receive any notification from bank on XX/XX/2022. I talked to the bank after I realized the problem. But they said it was my fault and money was initialed from my device. I don't know how and why it happened. was my device hacked? or just the bank error? I tried to call the fraud department again and all I received " there is nothing we can help ''. I hope you guys can help me or at least I can raise my voice about this issue. Appreciate that.

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 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Walmart, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXXr XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4600.00} ; Global Lending XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$1300.00} ; XXXXXXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Date of Inquiry : XXXX ; XXXX Mortgage XXXX Date of Inquiry : 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 2020-05-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, My servicer is Carrington Mortgage Company. I have had issues with them in the past and right now I am very fearful as they are not abiding by the Cares Act. My loan is a FHA loan and I have had perfect pay history. At this time I have had a substantial loss in income due to Covid 19 and being XXXX XXXX  I was denied unemployment. I requested Carrington to assist me with their Covid assistance and they placed me in a 90 day forbearance and sent me the attached letter that I did not need to make any payments during these 90 days and that negative reporting would not take place. However, when I started to receive mortgage statements the total amount due continues to accumulate and they are charging late fees. Immediately, Monday XX/XX/XXXX I contacted them to ask why and how this was going to be handled at the end of the 90 days as the letter and the initial representative stated that we would NOT have to make payments during the 90 days. This representative stated that it was because at the end of the 90 days I was going to be REQUIRED to pay ALL of those 3 months back no later than the last day of the 90 days. I stated how this could be possible? It would be impossible! I needed it to be applied to the existing loan somehow. This would be the only way. I quickly went to your website and HUD.gov to gather more details on how this was to be allowed with the CARES Act and I ready that they CAN NOT require us to repay in a given lump sum as they are trying to do. I completely understand that I still owe the months missed, but just as your site states I should be given two options 1 ) Pay back monthly over a given period of time increasing the existing monthly obligation or 2 ) A junior lien which would make much more sense of course. This is despicable that I had to speak with 4 people including a " Supervisor '' that had no clue that this was not going to be permissible they are causing a lot of anguish and quite frankly in violation here. What constitutes their " qualification '' for requiring us to repay this lump sum? They are stating that they are in compliance with CARES Act and that their investors have the final word. I do not want to ruin my credit over this and simply want them to abide by this as this was part of the stimulus. Please note the attached letter they mailed me initially stating that I was in fact in a forbearance and that I would NOT be required to make any payments during the 90 days. However, it is very general and open ended and does not however state that a lump sum WILL NOT be required, yet over the phone they are telling us this! I told needed this in writing and they refuse to provide it having me on pins and needles to wait until mid XXXX! Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX & XXXX XXXX XXXX XXXX : {$4600.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXXXXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bank Date of Inquiry : XXXX ; Equifax Mortgage Ser Date of Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Transunion, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-28
Company: EQUIFAX, INC.
State: TX
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 Complaint will be my Follow up Complaint for the previous Complaint I submitted exactly 15 days ago. On my Previous Complaint, I requested that the Credit Reporting Agencies conduct an investigation on my Credit file since I found way too many inaccuracies and misleading information. In accordance with the Fair Credit Reporting Act, I am expecting that the Credit Bureaus involved on this matter will be doing what they are supposed to do and remove the account completely from my Credit File or correct the information they present on my Credit. The following accounts must be investigated and corrected : XXXX XXXX  XXXX Balance : {$0.00}, and XXXX XXXX XXXX Balance : {$0.00}. These accounts were reporting invalid and inaccurate information negatively impacting my Credit Worthiness. I also sent dispute letters to the Credit Bureaus dated XX/XX/2023, as I will attach these letters on this complaint. These accounts were already verified by the creditors as we both agreed to remove these accounts completely from my Credit Reporting. I look forward to correcting my Credit File from all the erroneous and misleading information that have been reported on my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ate Assigned XXXX XXXX, 2017 XXXX XXXX, 2017 XXXX XXXX, 2017 Original Balance {$3800.00} {$3800.00} {$3800.00} Current Balance {$0.00} {$0.00} Responsibility Individual Individual Individual Status Payment after charge off/collection Account legally paid in full for less than the full balance Comments Account paid for less than full balance, Paid collection, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Account Previously In Dispute - Now Resolved - Reported By Subscriber

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
Starting with equifax auto consumer reporting agency I have working address, wrong date of birth, wrong social security and wrong accounts. 

XXXX have the same issues but anothers different address and accounts doesnt belong to me.

Company response to consumer: Closed with explanation