BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: PA
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:
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax have violated consumer law code 15 USC 1681 A., I did not authorize nor give consent for late payments to be reported therefore this information violates consumer law. Furthermore, I was not notified of the reported late payments, nor did I receive any form of notification of the reported late payments, this negligence violates consumer law code 15 USC 1666 B. 
I demand that XXXX, XXXX, and Equifax provide proof of my written consent to report late payments. If such documentation can not be furnished, I demand that the late payments reported be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear CFPB, XXXX XXXX XXXX XXXX, # XXXX It is my understanding that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification I have sent letters to ( TRANSUNION LLC ) regarding inaccurate information in my credit file. They have failed in investigate and verify my disputes and the inaccurate information remains in my credit file. Now I would like to file my CFPB complaint formally. 
Again, I am requesting a re-investigation and verify that all the data for this alleged account is 100 % accurately reporting correctly including every notation, dates, and balances, whether they are currently reported or not. 
The report presented by Transunion LLC presents several inscorrect information 1 THE DATE OPENED : Is incorrect 2 THE DATE CLOSED : Is incorrect 3 HIGH BALANCE : Is incorrect I include credit report from Smart credit and Transunion where the different can be seen. 

( Include copies of the letters sent to the Credit Reporti

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: 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:
I am writing to express my deep concern and dissatisfaction regarding the recent denial of my request to block certain information on my credit report, as outlined in 15 USC 1681c-2. It has come to my attention that despite the explicit language in the statute mandating the blocking of information resulting from identity theft, my request has been denied.

Specifically, 15 USC 1681c-2 states that consumer reporting agencies " shall block the reporting of any information in the file of a consumer '' that the consumer identifies as resulting from an alleged identity theft. This provision is designed to protect consumers from the harmful consequences of inaccurate information stemming from identity theft.

I submitted a formal request to block specific information on my credit report, providing evidence that these entries are a result of identity theft and not related to any transactions initiated by me. However, I recently received notice that my request has been denied.

This denial raises serious concerns about the protection of my civil rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The FCRA is intended to ensure the accuracy, fairness, and privacy of consumer information, and it grants consumers specific rights, including the right to block inaccurate information resulting from identity theft.

The denial of my block request not only goes against the explicit mandate of 15 USC 1681c-2 but also raises questions about the adherence to the fundamental principles of fairness, impartiality, and respect for consumer rights, as outlined in the FCRA.

I urge you to reconsider your decision and promptly address this matter in accordance with the statutory requirements. Failure to do so not only perpetuates the inaccuracies on my credit report but also constitutes a violation of my civil rights under the FCRA.

I appreciate your immediate attention to this matter and expect a thorough reevaluation of my block request. 

XXXX : Police Report, ( XXXX ) Identity Theft reports, Proof of Address, Photo ID

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: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX unauthorized inquiry XXXX XXXX  XXXX unauthorized inquiry XXXX XXXX XXXX XXXX  unauthorized inquiry XXXX XXXX XXXX unauthori XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT 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 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
There is a non verified XXXX/ credit card on my credit report, I did not authorize. There is also a hard inquiry on my XXXX report. The card is showing on my bureaus. I requested directly for XXXX to remove the card off my credit report, and it has not been removed. I requested the unauthorized inquiry to be removed and its still there. It has effected my credit score and I want it corrected. In addition Experian has not removed this XXXX/ credit card off my credit report, nor have they replenished the XXXX points I lost from the card being added. I dont have this card in my possession, I have not used this card nor activated this card, I did not request this card. PLEASE REMOVE THIS CARD AND ITS HISTORY COMPLETELY OFF MY CREDIT REPORT! Thank you in advance

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-12-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a loan through credit acceptance and the value of my car is extremely lower then the loan amount. The sticker amount was XXXX dollars and the total loan is more then XXXX dollars for a XXXXXXXX XXXX XXXX. I have seen in the past that credit acceptance had done the same thing to people around the same time I got my loan in 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 2023-11-08
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2020-08-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi, my account was breached since I received my S.S. Benefit check dated XXXX. I have no money to pay my bills and I am being threatened by the utility companies that they will shut down my services. I am a Senior Citizen and XXXX. 

I called and filed a fraud report with Suntrust and was given a case # XXXX. My account appeared to be a negative {$12.00} and change on XXXX. The representative closed the account and issued me a new card which I received today XXXX. I checked my debit card account and now allegedly owe almost XXXX on a closed account. How is this possible! I have been with SunTrust for many, many years with no problems until the merger began. 

I need and demand that my account be restored to XXXX with my entire S.S. check of {$1100.00}. so that I can pay my bills. I am a XXXX XXXX  survivor ( last one out of the XXXX XXXX ( with XXXX XXXX XXXX   and many other ailments ).

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 2023-11-08
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:
I had a convenience card from XXXX and XXXX for my son as simply an authorized user while he was in college. The account belonged to me and I was the only signature on the contract. He is seeing both these cards on his credit report currently and they are dragging down his credit score. He has zero responsibility for the balances, I do personally and singularly. He has called both XXXX and XXXX repeatedly and they have done nothing to reconcile his credit with the credit bureaus. 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 2023-11-08
Company: Experian Information Solutions Inc.
State: MD
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:
If, after any reinvestigation after paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I sent out validation letters to 2 credit bureaus ( Experian XXXX XXXX ) to verify the following accounts below. The credit bureaus VERIFIED INACURATE DATA. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX - 'Date Reported " is inaccurate Experian reports XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX The account has already been deleted by XXXX due to these inaccuracies but XXXX & Experian have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. Account : XXXX XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on 2 bureaus Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. Account XXXX XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on 2 Bureaus Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX - 'High Balance ' is inaccurate on 2 Bureaus Experian reports : {$0.00} XXXX reports XXXX {$520.00} XXXX reports XXXX {$1300.00} Attached files to show inaccuracies are from 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 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
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:
this is fraudulent act on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NC
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-27
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
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 XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to my TD Bank app to check my balances and it would not open to display my accounts/balances/transactions. It popped up a message instructing me to call the TD XXXX number for assistance. 

I called that number. The lady indicated both my checking and savings accounts were 'frozen ' and I would need to physically go to my local branch. I asked her what was the reason for this, and she responded with, " It does not say why ''. 

I immediately ordered an XXXX ( I do not drive ). Upon entering the branch, the teller asked how she could help me. I explained their app would not display my account information and the XXXX number lady " could not provide account information '' and told me to go to my local branch. The teller looked up my accounts and right away told me to have a seat in the waiting area. Within minutes, XXXX XXXXXXXX XXXX of the branch, called me into her office. Upon sitting at her desk, XXXX asked how she could help me. I explained the same thing, that I was unable to access either of my accounts. She looked them up and said, " Yes, TD has chosen to end its relationship with you. '' I was completely shocked and taken aback. I asked why this was happening, and yet again, XXXX said " there is no reason provided. '' I requested my money from my checking and savings accounts and XXXX told me they can not give my money back to me right now. I have over {$270000.00} in their bank between the two accounts. XXXX said TD will be mailing me a letter and, once I receive that letter, I can then request my money, which will be mailed via check. I asked XXXX how long this process will take and she indicated she did not know. 

In the meantime, I literally have NO MONEY to buy food or medicine. This occurred on XX/XX/23, the day before XXXX! Additionally, tragically, my registered emotional support animal was very sick ( I am diagnosed with severe panic disorder and XXXX  XXXX ; I asked XXXX to show her the paperwork I carry everywhere confirming my diagnosis and reliance on my pet as well as call the vet there in her office so she would know I wasn't making any of it up ; she declined to review it ). I had a vet appointment for him that very afternoon. I BEGGED XXXX for at least enough money to take him to the vet. She said there was nothing she could do. 

My pet later died in my arms, XXXX morning at XXXX. TD Bank killed my emotional support pet. It is now XX/XX/XXXX I am running out of food and I am unable to get medication refills. I literally have NO MONEY. What am I supposed to do??!! How do I get my money from TD Bank???????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24
Company: MOHELA
State: NH
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:
During the timeframe of XXXX, student loans were acquired for XXXX XXXX by the use of forged documents and my stolen Social Security number . In an attempt to further conceal this activity, these loans were then consolidated under my name using online activity. I discovered this in late XXXX  when my wages were unexpectedly garnished through my employer. I have tried to resolve this matter through many attempts with XXXX XXXX who maintains that I am responsible. I have provided approximately 85 pages of supporting evidence of identity theft. However, XXXX refuses to provide me any documentation supporting their position. 

Since XXXX has continued to act in bad faith condoning this criminal activity, I have moved this loan ( approx {$56000.00} ) away from XXXX to the US Dept of Education - MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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