BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: EQUIFAX, 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:
In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXXXXXX Account # 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 DEPT OF EDUCATIONXXXXXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXXXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Capital Link Management, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 the debt collector - Capital Link Management on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted both my parents ( XXXX & XXXX ) and XXXX of my siblings also - via text message disclosing a debt that I had that had been referred to collections. In the text- they disclosed the amount of the debt {$680.00} an offer for settlement of the debt {$230.00}. In addition- they disclosed that if the debt was not settled it would be be transferred to the Pre Legal Collections Team. The included the number XXXX. 

I also received the same text message and did subsequently settle with the debt collector. 

It is my understanding that it is illegal for the debt collector to contact my family and disclose the amount of the debt and the information that they did disclose to them. I have the text messages that were sent and can provide if requested. I would like this company fined and whatever restitution that I am owed be paid to me. This was something that should have never been disclosed to my parents and or siblings. I am XXXX y/o and not a minor. 

If you need the phone numbers that these texts were received- please let me know and I will provide to you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
to whom it may concern, the following account was charged off. XXXX XXXX XXXX Original creditor SYNCHRONY BANK CARE CREDIT. this account is still being reported on my credit report as open. this is a misrepresentation of my credit obligations and is causing monetary damages.

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 2022-07-04
Company: Experian Information Solutions 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:
There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-08
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act the following acct # s have 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 instructionsXX/XX/XXXX Account number : XXXX XXXX Account status : Late 30 days Available credit : {$300.00} Reported balance : {$350.00} Credit utilization:118 % Date openedXX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$1900.00} Date openedXXXX XX/XX/XXXX Account number : XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$380.00} Credit utilization Date openedXXXXXX/XX/XXXX Overview Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$22000.00} Credit utilization Date openedXX/XX/XXXX XX/XX/XXXXDate reported:XX/XX/XXXXDate assigned:XX/XX/XXXX Amount XXXX {$380.00} Status date:XX/XX/XXXX Balance date:XX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX Date reported:XX/XX/XXXX Date assignedXXXX Amount : {$1900.00} Status dateXXXX Balance date : XX/XX/2022 : Account designator code : Joint account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assigned:XX/XX/XXXX Amount : {$22000.00} Status date:XXXX Balance date:XX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assignedXXXX Amount : {$500.00} Status dateXXXX Balance dateXX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assigned:XX/XX/XXXX Amount : {$310.00} Status date:XX/XX/XXXX Balance dateXX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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: Account status incorrect

Complaint:
On XX/XX/2022 i opened a credit account. Both my XXXX and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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:
There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Professional Credit Management, Inc
State: AR
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:
I have collections on my account that do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: U.S. BANCORP
State: WY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2022, US Bank sent a letter indicating that I had unpaid XXXX  charges on my vehicle and the bank had received a letter from the XXXX XXXX XXXX in Colorado indicating the amount of the tolls and multiple fines/ citations as a result of the tolls not being paid on time. The tolls were for travel on XXXX where tolling is by camera or toll box only ( i.e., there is no way to pay while passing through the tolls ). Because the vehicle is leased, it is registered to US Bank. When the tolling company sends a bill, the bill goes to US Bank. Over several months, US Bank did not pass these bills along to me or add them to my monthly bill. After several months, the tolls accumulated and so did citations for lack of payment. In the XX/XX/2022, letter US Bank stated that if I did not pay the tolls, US Bank would pay them, pass the charges on to me, AND add another fine. I spoke to US Bank customer service in XXXX / XX/XX/2022 and spent well over an hour with an agent who was kind but completely unhelpful. My understanding is that she was filing an internal complaint on my behalf with US Bank. Several months have passed now, and I have received no response from the bank. To ensure further fines did not accumulate, I called XXXX and requested that the citations be waived. XXXX could not waive all the citations but reduced the total to ~ {$100.00}. A few dollars in tolls turned into a large expense for me because US Bank did not properly pass along bills it received for my vehicle. US Bank also does not have an effective complaints process. These practices amount to unfair consumer practices that I believe are a violation of UDAAP. I lost money because US Bank does not have internal processes to properly manage leases. While the payment of tolls is my responsibility, I can not pay tolls on a toll-by-camera road if the bills are never sent to me. Further, US Bank 's employees are inadequately trained and its complaint procedures appear to be a complete sham.

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 2022-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I was hacked by a XXXX XXXX with loud ringing on my computer. 
I was told to phone a certain phone number to help me. 

They had me transfer {$990.00} from XXXX to a XXXX XXXX to see if it was working from Bank of America. My daughter told me about the scams going on with XXXX and the next day, I contacted XXXX to cancel it. They told me to contact B of A. 
B of A said I should contact XXXX. 
Placed a claim with B of A & was refused, suggesting I contact the scammer to get my money back. 
I have been a B of A customer for XXXX  years

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 2023-01-24
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This bottom feeder debt collection agency which purportedly purchases debts for pennies on the dollar is attempting to collect an alleged debt. The alleged debt is time barred from any credit reporting which they should already be aware of. Furthermore, I received a letter dated XX/XX/2023 from this company. By way of this complaint, the business is to cease and desist all communication tactics. Reference number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this bankruptcy from my Public record

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 2023-11-18
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 status incorrect

Complaint:
This company has violated my federally protected consumer rights by sharing my personal information. 

According to 15 USC 6802 it states except as otherwidse provided in this subchapter, a financial institution my not, directly or through any affiliate, disclose to a non affiliated third party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with 6803 of this title. 

15 USC 1681 Section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

1666B also states a consumer reporting agency should never consider any credit card payment late under an open end consumer credit plan for any purpose. 

Those accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have started the lawsuit against XXXX already XXXX The case number is XXXX. I will be filing against Experian if no action is taken

Company response to consumer: In progress
Consumer complaint received 2022-09-25
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:
On ( XX/XX/2021 XXXX XXXX XXXX Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am an actual proud customer of SchoolsFirst Federal Credit Union and even have a car loan with them that I purchased XXXX week of XXXX of this XXXX. I disputed several times as I was contacted by the bank and saw that I had a personal loan in the amount of $ XXXX on my account that I did not authorize to open. For months, I have been in contact with XXXX and tried stating the truth to them that my boyfriend and now ex opened the account with no income and put my information down to obtain the loan. He has also let me know he does not plan on paying back the loan as I tried to ask him to pay on it so it does not affect my credit. I have disputed this with all 3 of my credit bureaus in XXXX and XX/XX/2022 and even submitted a payment to the bank on XX/XX/XXXX when I was surprisingly contacted by them for late payment. I have also presented to both the bank and all 3 credit bureaus fraud and attempts by my ex to include a restraining order I have had on him since XXXX of this year to stop all communication. XXXX has instructed me to dispute with the credit bureaus as well as file fraud charges. Currently, there is also an open criminal case of domestic violence against him as well as he continues to harass me. I have also re-submitted the disputes stating litigation and fraud for this loan. I have had thousands of dollars stolen from me by this man and this loan is still active. He is now stalking, harassing and even threatening me to pay him {$8000.00}. I have never had an issue with my bank and have always maintained a great relationship with them. I have also had several accounts that were opened illegally by XXXX XXXX to include a pet wellness account that I had ( after several months ) finally get canceled once I shown the restraining order and attempted accounts opened in my name for him to receive loan money. He should have never received funding from the bank with no income and most importantly using mines. Attempts to speak to him verbally to pay or I stated legal action would be taken there was no response but violence.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: SC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX WAY XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: LA
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 accounts listed below have violated my rights : -XXXX XXXXXXXX, {$720.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$540.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00}, XX/XX/XXXXXXXX XXXX XXXX {$1200.00}, XX/XX/XXXXXXXX XXXX  {$660.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX {$340.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX, {$400.00}, XX/XX/XXXX 15 U.S.C. 1681 section 602 A. states that have the right to privacy.

15 U.S.C. 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: SC
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 have a XXXX XXXX with a name that is similar to mines and social security number that is 1 number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " Alias. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in XXXX XXXX requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation