BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
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:
1. XXXX XXXX repossed my car even though i was in the XXXX  and protected under SCRA in XXXX. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA.

The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all 3 credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
2. XXXX XXXX, XXXX, XXXX  also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have issued previous reports and have not received a proper response. Company is stating they bought a debt from XXXX XXXX from or around XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( they don't know the date ). It is obvious that this is fraudulent. I have stated on multiple occasions that I don't know this debt and I am pursuing multiple venues to remove it. The alleged debt in question is XXXX USD, again ; I do not know this amount. I demand proof of original debt, this would take the form of the signed account opening documents from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Their investigation did not fix an error on your report

Complaint:
This is the 7th complaint all I'm asking is experian to do what they are supposed to do by law under the fair credit reporting act INVESTIGATE!!!!!!! I don't understand why it's so hard to have Experian do their Job!!!!! Its thats simple I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 TIMES!!!! Before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order 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 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Late charges require to be removed as I had a medical emergency and I am now on track on my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-09-06
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 steps validation procedure which makes his unfair practices. according to the FDCPA i'm entitled to XXXXXXXX XXXX  per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX  XXXX received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX  XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under UCC 9.506, 9-611, 9-612 and 9-613 were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had 15 days to respond. XXXX XXXX did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to XXXX, XXXX  and TransUnion on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. XXXX  has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for 48 months ( since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. Have never had a {$270.00} payment or bought vehicle XX/XX/2020. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2022-08-05
Company: EQUIFAX, INC.
State: VA
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 called Equifax to inform them that they did not exercise their grave responsibility and, that they were unfair, partial and did not respect my right to privacy concerning and account that is fraudulent on my report,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Torriere Holdings INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debt collector contacted my daughter via text message trying to collect an debt. I have never used my daughters number to obtain credit and Im sure in court Im able to prove it from whoever the original creditor is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.

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 2020-11-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When opening the account, was drawn to the promise of 3x points on travel purchases. While using the card for a few purchases with XXXX ( a large, vacation rental marketplace ) this year, I noticed I wasn't receiving 3x points, but rather 1x. While using the card for a similar service called XXXX, I did receive 3x points. I called on XX/XX/XXXX to rectify, but was told by an agent there was nothing she could do. Here are the dates : XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$280.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$190.00} In total, missing 4,471 points, which has a monetary value of XXXX {$44.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
unlawfully add inquiry 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 explanation
Consumer complaint received 2023-09-20
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested in writing to Source Receivables Management, mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, on 3 different occasions, that the account place on my credit report on XX/XX/2023 is not my account. My Validation of Debt has been met with silence and I am at a loss of what to do without them providing proof of my debt. They have refused to provide me with Proof of Ownership of this account. I have been diligently requesting this data and have no resource other than filing an official complaint. I am requesting as my right, to have this debt validated. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/22, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 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 2020-06-23
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Valor Intelligent Processing, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$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

Company response to consumer: Closed with explanation