BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
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:
They are reporting my {$170000.00} XXXX loan as DEFERRED WITH PAYMENTS TO BEGIN IN XX/XX/XXXX. I have requested correction several times. Each time they send me a form letter with no correction to my credit report. In addition they are reporting an extremely out dated account listed as last updated in XXXX so it should actually drop off completely? I even sent through this XXXX website proof showing that XXXX XXXX XXXX account as XXXX DUE PAID IN FULL WHICH THEY ARE IGNORING. I have been turned down for credit because of this and I have proof. I HAVE TRIED TO FIX THIS WITH ALL XXXX agencies several times with no success. 

I am on hold with XXXX. I am trying to get them to correct it as no one at XXXX WILL FIX IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Fair Credit reporting act 15 USC 1681 section 602. Equifax an XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is 15 USC 6801. It is also congress policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers personal information. The financial institution and the consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial intuition may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' They never informed me of my rights to exercise my nondisclosure option. According to 15 USC 1681 ( a ) ( 5 ). Except as authorized under subsection ( b ). This account is an adverse item they are reporting again without my permission which is against the law. Per 15 USC 1681s-2 ( A0 ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person believes it is inaccurate. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 " A consumer may exercise r\the right to opt out at any time '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I reported that I am a victim of identity Theft on XX/XX/2023. I sent all the proper documentation to XXXX, EXPERIAN, XXXX, and the consumer financial protection Bureau. These consumer reporting agencies failed to block the information on my credit file and properly investigate my disputes under U.S.C 1681 c-2. I have all the paperwork and proof sent from these consumer reporting agencies that violated my consumer rights.

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 2023-08-04
Company: Experian Information Solutions 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:
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 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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. Experian, XXXX, and XXXX are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX begging you please remove this to the credit report

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 2023-12-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account XXXX 
2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX XXXX XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-10-11
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since the loan forgiveness was a complete fail. I now own {$4700.00}, I tried to pay this in full on XXXX XX/XX/2023, on the same day the payment reversed. I then reached out via phone and due to the long wait I requested a call back ( which they told me would be within 24 hours ), I never received a call. I then tried to reach EdFinancial Services by online chat, and the represtivitive could not answer my question, because it was a robot. I then tried to make another payment on XXXX XX/XX/2023, but it was reversed AGAIN! 

This is so frustrating and it is causing more emotional pain and suffering than I ever expected. I am losing sleep over this issue all because EdFinancial Services does not have a proper payment portal? This is taking time out of my work day. I should be compensated for the time, pain and suffering they are causing me Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXXXXXX XXXX XXXX account XXXX  # XXXX 15 U.S.C1681 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 items of information, other than records of convictions of crimes 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this invacuate this is causing me not to get a place to live apply for credit cards a new truck to work.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts 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 accunts in my credit record that came about due to an alleged fraud or extortion. 
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 2023-11-28
Company: Experian Information Solutions Inc.
State: NJ
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 explanation
Consumer complaint received 2023-08-04
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-08-20
Company: Experian Information Solutions 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:
ON my credit report XXXX XXXX XXXX has report to exprian late payments .In XXXX, XXXX XXXX and the in XXXX 7 more .I am stating USC 15C 6801, USC 15C 6802, 15 C USC1680. USC 6801na USC 15 6803 .With this on my report is going to hinder me from getting a new house loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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 tried to open an account with my local credit union and was told that I'm in the XXXX, I pulled my XXXX report and it shows that santander bank if reporting a debt owed to a checking account, I never applied for a santander checking account, I don't have a santander bank in my area, the closest santander bank near me is more than 100 miles away, I need validation of the debt, I need the originla contract showing my signature and I need proof that this account was opened by me XXXX XXXX, I am a victim of identity theft and this account was opened under fraudulent pretense. remove this account from my XXXX report or I will file a suit.

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 2023-11-24
Company: EQUIFAX, INC.
State: MN
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:
Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged XXXX XXXX, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

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

Company response to consumer: In progress
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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:
On the XXXX of XXXX I went to my local branch to enquire in Good Faith. For a line of credit lone to help with personal use for a opportunity to help for education to help leave a family legacy. With all that I have been needing to accomplish, this was the final piece to the puzzle. My brighter future as CONSUMER to pull myself up buy my boot striped and achieve the American Dream. But unpronounced to me that dream would be burned to the ground by a fictitious report that should not. Hold any bearing of my character. The company that I would be working for is a dream for me to have because it would allow for all of my needs to be met.I have been discriminated against feeling the loss of HOPE as a single XXXX mother in this Heartless world of Thieves. There responds was well over 30 days and it's no wonder why because they only believe FALSE CLAIMS against people that a CRA reports with out any significant or consent.. This is a crime and whoever they are that have committed this crime I need CONSUMER justice.

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 2022-06-29
Company: Experian Information Solutions 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 acct : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court, This makes it impossible for them to verify the Bankruptcy. XXXX XXXX removed this bankruptcy from their files because the dates were wrong, this makes it is impossible for XXXX and Experian to verify.

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 2023-11-09
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting 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 being harassed by Equifax and they won't remove the Hard Inquiry from my report I have already filed a police report against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I would like my money returned because I was scammed. BMO bank employee XXXX XXXX did not make a check security check. If the beneficiary 's bank account number was legit or not. The recipient 's turned out to be a SCAMMER. I believe that BMO was sloppy. 

I was born in XXXX XXXX. All my life! I live and work in the XXXX. XXXX XXXX XXXX  I have been a banking customer at BMO Harris Bank since 1990. I stand out because I am XXXX Heavy XXXX accent plus Due to a XXXX I have a XXXX XXXX I know everything. I travel internationally. Verbal communication at times challenging. With this obvious but minor XXXX a bank employee should take an even more caution. More attention to the money transfer info. 


Scammers recipients as shown on the XXXX XXXX  wire transfer information XXXX XXXX {$18000.00}, - Beneficiary information Bank identifier XXXX XXXX/routing number ) XXXX Bank City/state XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Beneficiary 's address/city/state/zip/country XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX UNITED STATES and XXXX XXXX XXXX  {$12000.00}, - Beneficiary information Bank XXXX XXXX XXXX/routing number ) XXXX Bank city/state XXXX XXXX, NY Beneficiary 's name ( Name on account ) XXXX XXXX XXXX XXXX XXXX Beneficiary 's address/city/state/zip/country XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX UNITED STATES Wire transfers

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