BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: NAVY FEDERAL CREDIT UNION
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:
I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report contains credit inquiries that I do not recall authorizing.The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX. Firm offer of credit XXXX. Insurance XXXX. Employment XXXX. XXXX XXXX The following credit inquiries are related to none of the aforementioned permissible XXXX. Navy Federal Credit Union ( XX/XX/2023 ) XXXX. Navy Federal Credit Union ( XX/XX/2023 ) Please remove this hard inquiry from my credit report. I will also inform you that your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX, and XXXX ) this action might constitute fraud under Both federal and state laws. Due to this fact, if any negative mark if found on any of my credits by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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:
Request for Immediate Deletion of Illegally Sold Information Due to Equifax XXXX XXXX I am formally requesting the immediate deletion of specific accounts and items from my credit report. As a victim of the Equifax data breach, my personal information was unlawfully sold and purchased. I am attaching evidence confirming Equifax 's acknowledgment of my status as a victim of this data breach. 

In light of this breach and Equifax 's failure to take appropriate action, I request the removal of the associated accounts and items from my credit report effective immediately. Your prompt attention to this matter is appreciated. 
I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/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 2022-06-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed three disputes with Synchrony Bank for my Care Credit card. One dispute was for merchandise that was cancelled and the other was for malpractice and for work that caused pain and will have to be corrected. I sent documents in the mail, but Synchrony never considered them. They never conducted a fair investigation. Synchrony never gave me due process. After receiving the merchant 's response, they never asked me to respond like banks do. They simply did the simplest and laziest thing which was to close the dispute.

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: NV
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. USPS tracking number 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 2022-06-30
Company: LEXISNEXIS
State: MD
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:
Today I reached out to Lexis Nexis via phone. I called XXXX and was transferred and told the correct number to reach someone who handles my issue was XXXX. I was transferred to Representative XXXX. I informed her that I received my Lexis Nexis results stating they had removed both bankruptcies from their credit file and that correspondence was dated XX/XX/22. I asked the representative since they are the FURNISHER of bankruptcies for XXXX, XXXX, and XXXX did Lexis Nexis send an update to them to either remove or update that it is has been found per Lexis Nexis investigation that it was unverifiable. The representative XXXX stated no and that the credit bureaus have access to my Lexis Nexis file and can pull it up. I requested that they send an update to the three major credit bureaus informing them of this update, representative XXXX refused. I asked for the compliant department and she informed me to send an email. I requested to speak to a supervisor and she placed me on hold for over 3 minutes before hanging up on me. In the state of Maryland hanging up on someone is XXXX. 

FCRA 623 ( a ) ( 2 ) ( B ) a furnisher of information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: OH
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 ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...

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 2022-09-21
Company: Experian Information Solutions Inc.
State: CO
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  Account # XXXX, 2 accounts with high balances of {$4500.00} and {$500.00}, 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 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 2022-06-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a settlement accepted by my mortgage company in XXXX and have gone through bankruptcy filed in XXXX completed XXXX XXXX Payments in XXXX. I have refinanced my same property in XXXX. I have had letters stating that the original HELOC loan has been closed as of XX/XX/XXXX. 
And yet, I received a letter XX/XX/XXXX from Specialized Loan servicing stating that I am delinquent on my same property. I called and was told by phone that SLS has placed a lien on my same property. I have not received any communication about this until the letter dated XX/XX/XXXX. I should not have a lien placed on my property per my records.

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX {$590.00} / XX/XX/20XXXX 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 2022-06-07
Company: Experian Information Solutions 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 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 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 2022-06-30
Company: Experian Information Solutions Inc.
State: IN
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:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX {$590.00} / XX/XX/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 2022-06-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-06-30
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXXXXXX XXXX is paid

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 2022-09-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2022, I sent letter to Experian and XXXX to remove an inaccurate account on my credit report from XXXX # XXXX for violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Also, on XX/XX/2022 I sent letter to XXXX about reporting this inaccurate account on my credit report, but they stated it was sold to XXXX XXXX XXXX I then sent XXXX XXXX a letter on XX/XX/2022 and they stated they no longer attempt to collect. MY QUESTION NOW IS " WHO OWN THIS ACCOUNT and WHY XXXX, EXPERIAN, XXXX CONTINUES TO REPORT IT ON MY CREDIT REPORT ''. If XXXX sold the account to XXXX XXXX, then XXXX no longer owns the account. So if XXXX XXXX is new owner of this account and they no longer attempt to collect THEN REMOVE THIS FRUAD ACCOUNT FROM MY CREDIT REPORT ASAP.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2022, I sent letter to XXXX and TransUnion to remove an inaccurate account on my credit report from XXXX # XXXX for violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Also, on XX/XX/2022 I sent letter to XXXX XXXX XXXX this inaccurate account on my credit report, but they stated it was sold to XXXX XXXX XXXX I then sent XXXX XXXX a letter on XX/XX/2022 and they stated they no longer attempt to collect. MY QUESTION NOW IS " WHO OWN THIS ACCOUNT and WHY XXXX XXXXXXXX, TRANSUNION CONTINUES XXXX REPORT IT ON MY CREDIT REPORT ''. If XXXX sold the account to XXXX XXXX, then XXXX no longer owns the account. So if XXXX XXXX is new owner of this account and they no longer attempt to collect THEN REMOVE THIS FRUAD ACCOUNT FROM MY CREDIT REPORT ASAP.

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX committed fraud by reporting late payments to my Transunion credit report. I never made a late payment. I paid with a money order, I never received a notice that my payment was dishonored. I spoke with a XXXX XXXX representative yesterday, and she agreed to discharge the remaining balance and close the account. XXXX XXXX violated my rights under the FCRA by reporting this derogatory false information to my 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 non-monetary relief
Consumer complaint received 2022-08-22
Company: Collection Bureau of America Ltd.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX says that I owe {$140.00}, this company is a water service company and also goes by XXXX XXXX. XXXX XXXX XXXX XXXX directs you to XXXX XXXX website. I have already paid XXXX XXXX  my debt of {$120.00}, I paid a different debt collection agency XXXX for this debt, I paid XXXX {$140.00} for their collection and processing fees. I also have receipts of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX ) 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 an account without my written instructions.

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: 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:
In XX/XX/2022, I was the victim of identity theft. In each of the XXXX credit reporting agencies there are multiple hard inquiries shown on my account in XX/XX/2022 that were due to identity theft. None of the hard inquiries shown during that month in these credit reporting agencies belong to me. I spoke to each of these agencies but it is not clear how the hard inquiries will be removed. In the case of XXXX I was assured they would be removed within 72 hours. However, in the case of TransUnion they were not willing to assure me they would be removed nor would they send me in writing the procedure I needed to follow to get them removed. I have yet to discuss this issue with 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 2023-12-05
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Dispute of Inaccurate Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my consumer report, as obtained from your agency. Upon reviewing my consumer report, I identified instances where non-public information has been disclosed to a non-affiliated third party without my written consent, which constitutes a clear violation of the obligations outlined in 15 USC 6802. 

Upon reviewing the relevant statutes, it has come to my attention that I was never provided with the option to opt out of the disclosure of my personal information, as required by law. I hereby request that you provide evidence demonstrating that I was given the opportunity to exercise my right to opt out, as mandated by law. 

Furthermore, I would like to draw your attention to 15 USC 1681b regarding permissible purposes. I never provided written consent for the reporting of my personal information, and the lack of such consent raises concerns about potential identity theft, constituting a violation under 18 USC 1028a. A report has already been filed with the Federal Trade Commission ( FTC ), and my reference number for the case is XXXX

In light of the above, I demand that you promptly remove the following account from my consumer report : Creditor : 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  I request that you adhere to the requirements outlined in 15 USC 1681c-2 and remove the mentioned account within four business days from the date of this letter. It is crucial to emphasize that my dispute is not with the creditor but with your reporting agency. Reporting items on my consumer report without obtaining my written consent and failing to provide an option to opt out is a direct violation of my rights.

I expect immediate action to rectify these issues, and I request that you provide written confirmation of the removal of the disputed information. Additionally, I demand that you cease all methods of verification related to this account. 

Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was told an attorney would get involve, & & that this debt has been way over due for to long. impersonating they were an law official. please prove that it is me that owe you whoever you might be, PLEASE! That's all i ask!!!!!! & i want that information ASAP this has gone on XXXX enough!

Company response to consumer: Closed with non-monetary relief