BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
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:
I submitted a complaint to all three consumer reporting agencies asking them to validate an account I was not familiar with on my consumer report, XXXX XXXX XXXX XXXX XXXX and XXXX removed this account from my consumer report, Equifax still verifies the account as accurate. I did not ask Equifax to verify this account, I ask them to validate this account. Equifax has not validated this account, and Equifax can't validate this account because this account is a result of fraud. I have submitted a complaint to the identitytheft.gov and I have submitted proper identification to all three consumer reporting agencies. I have attached a copy of this identity theft affidavit to this complaint. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. Also 5 U.S. Code 1681s2 ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-09-20
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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 have a XXXXXXXX XXXX  credit card that has inaccurate information being reported about it by Equifax. I contacted Equifax twice via their dispute portal and indicated that the ontime payments from XXXX to XX/XX/2022 are missing from my report and need to be updated to reflect accurate information. 

Equifax was also informed that my credit balance for this credit card hasnt been updated correctly since XX/XX/2022. Also, I specifically told them that my posted balance for XXXX should be {$0.00} and instructed them to update the correct info my this account. 

Ive filed 2 separate disputes about this matter with Equifax witn no resolution by them. Equifax did a supposed investigation in a day on both occassions that I filed my disputes and still didnt fix my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Credit Systems International, 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: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for a first time home buyer program call Habitat for Humanity because the family owned home is falling down and family is unable to repair it. Also contractors states it's unable to be repaired due to the age of the home. I waited until my score was over XXXX to apply. I completed the classes and received certificate for the completion of the class. Today I received a letter turning me down for the home because they stated my score was XXXX, which I know is false because I checked it BEFORE I SUBMITTED IT ON XX/XX/, and all 3 scores were XXXX plus. Requested proof and they can't supply it because it was untrue. Habitat for Humanity for XXXX and letter was signed by XXXX XXXX XXXX XXXX I shouldn't have been disqualified because of my past credit, I'm a XXXX yr. old XXXX  XXXX XXXX who has worked to improve my credit score just to be able to get a better way of life. When I was told my score had to be XXXX, I did it SO whyam I being penalized for 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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, VA XXXX XXXX : XXXX RE : Recent Investigation XX/XX/2020 To Whom It May Concern : I am writing this letter because after your investigation there are still errors on my credit report specifically the following accounts : XXXX XXXX XXXX {$4000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$790.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$5200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX  XXXX {$30000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$4200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$950.00} Violating FCRA Section 611 Part ( A ) ( 1 ) CREDIT BUREAU SERVICES A {$2800.00} Violating FCRA Section 611 Part ( A ) ( XXXX ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$910.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1100.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX  XXXX {$380.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX  XXXX {$280.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX  {$18000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX XXXX XXXX XXXX {$5300.00} Violating FCRA Section 611 Part ( A ) ( 1 ) To avoid litigation please remove the accounts from my credit reports immediately. You have 30 days. 


Thank you. 

Sincerely, Your XXXX XXXX CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian says they investigated this account and got verification. Status says past due as of XX/XX/XXXX, however the account status hasnt been updated since XXXX. This is evidence that they are not actually verifying 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 2022-09-20
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-25
Company: Experian Information Solutions 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:
fraudulent account identity theft

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 2022-06-06
Company: Maximus Education, LLC dba Aidvantage
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I found out about Covid forbearance refund in XXXX. I had reached out to XXXX ( they couldn't find any information on my acct as of XX/XX/XXXX. XXXX it was moved automatically to Aidvantage. I reached out to them on XX/XX/XXXX, XXXX this was prior to consolidating for PSLF ( this was done on XXXX XXXX, XXXX ). They said it would be processed and to reach back out in 4-6 weeks if I had not heard anything. I reached out to them again on XXXX XX/XX/XXXX and was told it didn't get processed, I explained that now the loan have been moved to XXXX XXXX the rep said it could still be processed thru Aidvantage since I started the refund request prior to applying for consolidation, I was also told to reach back out in 4-6 weeks if I had not heard anything. I reached out to Aidvantage again on XX/XX/XXXX as I had never received refund or any correspondence, I talked to a more informative rep then and was told the request was never processed, I did ask to speak to superior but she said she discussed with superior and refund would be " expedited. '' I was then told to call back on 4-6 weeks. On XX/XX/XXXX, I reached out to Aidvantage and was told they couldn't do the refund as my loans weren't with them any longer and was told to reach out to XXXX. I reached out to XXXX and was told they can not process refund as they had no history of my payments- just the new consolidated loan in from XX/XX/XXXX. I have exhausted my time attempting to get granted covid forbearance refund without any explanation. I even sent an email to XXXX on XX/XX/XXXX and uploaded my payment history during covid forbearance made to XXXX prior to moving automatically to Aidvantage in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for forward mortgage payments through the Homeowners Assistance Fund ( HAF ) for mortgage payments for 18 months. The HAF stated that they sent payment to US bank on XX/XX/2022. I contacted US bank today and spoke to XXXX who states that they did not receive the payment and can not provide any further information. I want to escalate this matter as the end of the month approaches and I do not want any late payments reported to the credit bureaus. i would like for Us bank to research further to find the payment. 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-14
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For the past few weeks, I have tried multiple times to move money from a Marcus by Goldman Sachs account into an external account. Each attempt has failed even though I have followed different advice/ instructions from Marcus representatives and supervisors each time. No one has been able to provide an accurate answer as to why I can't move the money as requested. I need the following : ( i ) My wire request to go through successfully and ( ii ) someone to instruct me in how to avoid this issue moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation