BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act, XXXX  accounts 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 instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-09-17
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act, XXXX  accounts 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 instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are to be corrected immediately. 
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 non-monetary relief
Consumer complaint received 2022-09-17
Company: EQUIFAX, 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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On multiple occasions I was harassed by a representative of Capital Accounts. This debt is related to a medical bill. I told the representatives that I was not aware of owing this money as I have insurance dental coverage that would cover any bills and that this needed to be submitted to my insurance. They told me that the provider is n't required to submit it to insurance, they just do that as a courtesy. That is inaccurate. I requested verification of the debt and they never provided it. They continued to call me while I was at work and use abusive language and still have provided no documentation of the accuracy of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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:
company will not validate and show the method of verfication for disputed items. i have sent letters out on XXXX XXXX until now every 30 days company still have not validated or provided the method of verification. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: SC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2017-03-25
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-30
Company: Experian Information Solutions 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:
company will not validate and show the method of verfication for disputed items. i have sent letters out on XXXX XXXX until now every 30 days company still have not validated or provided the method of verification. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX Account Number : Please investigate and delete from my credit report.

5. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from 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 explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: TN
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 to the Fair Credit Reporting Act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX violated my privacy rights XXXX US DEPT. OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX All of these consumers ave violated my right to privacy 15 U.S.C 1681 SECTION 602 A States I have the right to privacy.

15 U.S.C SECTION 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My father told his XXXX children that he had made them equal beneficiaries of his bank account. As he become more frail, he made me a joint owner without right of survivorship. After he passed away, the bank told me that he had not made his children beneficiaries. My understanding is that if the funds pass into my father 's estate, the attorney handling the estate will include that amount in calculating his fee. I have a joint account with my wife at the same bank that was linked electronically to my father 's account. I transferred most of the money into that joint account and informed the bank that I would distribute it to my brother and sisters as my father intended. Without notice to me, the bank withdrew the money from my joint account with my wife and unlinked my father 's account from mine. I understand that laws may vary from state to state but, after reading through the membership agreement, I believe the bank has no authority to do what they did. They have refused to answer my questions concerning this. 
I have attached the membership disclosure. It states that a joint owner can not be removed without his permission, which they essentially violated. It says that for a joint owner without rights of survivorship that the decedent 's share passes to his estate ; it does not give the bank the right to determine what portion should pass to the decedent 's estate. It does not say that my joint ownership ends. There is no statutory lien against the decedent 's account. They have violated the membership agreement and have arbitrarily deprived me of my rights as joint owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( XXXX, Equifax and XXXX ) with the messages that our credit are frozen and not available as show at the bottom of this communication. Two notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the VRUs to assist - especially with XXXX. 
We have probably 12 different numbers that we have tried with the 3 bureaus Working on- PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Problem with fraud alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes XX/XX/2020 Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print? sessionidXXXX XXXX We have probably 12 different numbers that we have tried with the 3 bureaus. Working on line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( XXXX  and Equifax ). 
XXXX doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data. This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. Sincerely, Consumer Referral Information EQUIFAX INFORMATION SERVICES LLC | XXXX XXXX XXXX   XXXX XXXX, GA XXXX | XXXX | WWW.EQUIFAX.COM XXXX | XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX | XXXX | XXXX : XXXX XXXX XXXXXXXX | XXXX XXXX  XXXX XXXX, TX XXXX | XXXX | XXXX Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Second Round Limited Partnership, Austin, TX Branch
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
reported case number XXXX Second Round did respond to my wife 's case but left mine unresolved. Second Round made no effort to contact me. Reporting debt in " collections '' to XXXX is a " false representation '' of the actions made by us to settle this debt, it violates the Privacy Act of 1974. Second Round used deceptive means to collect the debt and to obtain additional information by means of phishing while threatening legal action if my wife did not commit to a monthly payment plan. My credit has been unfairly tainted since reporting to XXXX, my rights of due process were ignored, Pursuant to 31USC 3711 ( e ) we did not receive a 60 day notice of intent to report to credit bureau. No written or phone communication was received. I have faxed to Second Round, Compliance Dept a letter stating that the " handling of this debt '' violated my right to settle since they let it go and to cause further harm to my credit, listed the debt in collections with XXXX. i will attach the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Account information incorrect

Complaint:
I have attached XXXX pictures that are highlighted showing that every single bureau is reporting something different, per the FCRA anything reporting to the credit bureaus should be 100 % accurate and it is not.

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
sent letters out on XX/XX/2022 and XX/XX/2022 to the bureaus, transunion, XXXX and XXXX it been over 60 day and no replay. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Account XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX XXXXY Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from 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