BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: KS
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX who is merely only a collection manager at Advanced Collection Bureau seems to believe he is correct that these debts belong to me. He then goes on to tell me and put me in duress by telling me it is my responsibility to provide a proper mailing address. This is a threat to me and this is coercing me and putting me in duress! I do provide proper mailing addresses. It is on the duty of the Post Office and Letter Carriers to ensure proper delivery or to ensure notices are left for items which contain signatures if not present. However, the Post Office and Letter Carrier failed. XXXX XXXX has failed improperly reporting these accounts with multiple inaccuracies. With that being said XXXX XXXX needs to know that these debts belong to my ex spouse. And who is XXXX XXXX to me as there is that signature relating to the contract? You can clearly see my name has only been used but I have not signed! When did I undergo all these surgeries? I will report Fraud and Identity theft and XXXX XXXX will be held liable if these accounts are not removed. There is no more room for negotiation! XXXX XXXX is only acting on hearsay! My information was used without my consent! See the attached PDF. How can XXXX XXXX by law legally say I owe these debts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: OK
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 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. All is being investigated by the FTC.

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 2023-03-27
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NC
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:
I have 2 inquiries that were made on XX/XX/2023 ( XXXX XXXX and XXXX ) that weren't authorized by me hor did I inquire I would like for these fraudulent inquiries to be removed immediately. These inquiries are being displayed on my Equifax credit report, I have disputed with Equifax but have refused to be helpful or remove fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting my personal information inaccurately when I request for removal their system wouldn't allow me to do so furthermore, they wouldn't be able to due to the names being tied to accounts that are reporting accurately. Knowingly the information is reporting accurately they are refusing to dispute & report accurate information which is a clear violation of my consumer right. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies You are in violation of FCRA reporting false & inaccurate information to my consumer report. The information is provided to update the accuracy of personal information containing my government name XXXX XXXX XXXX. Removal of XXXX XXXX & XXXX XXXX XXXX for complete accuracy to my consumer report. 

Failure will result under 15 U.S.C. 1681o. Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 
( b ) Attorney 's fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according t

o 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-03-27
Company: EQUIFAX, INC.
State: PA
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : Self Act Name : Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an unverified account from RESURGENT CAPITAL SERVICES a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with RESURGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. RESURGENT CAPITAL SERVICES has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to RESURGENT CAPITAL SERVICES requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that RESURGENT CAPITAL SERVICES, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6.  Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If RESURGENT CAPITAL SERVICES is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with RESURGENT CAPITAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
To whom it may concern, Im writing this letter in regard to the accounts listed below : Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account #. XXXXand Creditor : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account #. XXXX Reason : re-instated Instruction : Delete from my credit report ASAP. 

These accounts were already deleted from my credit report. Why have you re-inserted this account back on to my credit report? I went online and read the FCRA, and it stated that if you re-insert an account back onto a consumers credit report, you must notify the consumer of this action within five days of adding the account back onto the report. I never received any notification from your company.

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. Know to avoid me hiring an attorney to enforce my rights, Im asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted.

If I dont hear from your company within that time frame, I will file complaints with the Attorney Generals Office and the Consumer Financial Protection Bureau . I will also hire an attorney to review this matter for me. 
CC, CFPB, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing this complaint against Apple Card by Goldman Sachs Bank for violating the Truth in Lending Act ( TILA ) by not providing me notice before or after closing my credit card account. 

Since I have been a customer with this company, I have always been responsible with my credit card payments and spending. However a few months ago, I received an update on my credit report from all XXXX  bureaus stating that my account had been closed. 

This was done without any prior notice or explanation. I never received a phone call informing me of this, an email informing me or any type of letter/correspondence informing me of any changes to my account. This closure has caused me financial harm and inconvenience. 

I have contacted this company by phone multiple times and have requested a written explaination of why they closed my account without cause or a lawful reason. I also requested them to explain why they didn't provide me with notice of the account closure and why I had to find out from an alert on my credit report and not from them directly and professionally. I first started reaching out to them in XX/XX/2022 and to this day. I have not not received any correspondance from them what so ever. 

According to XXXX, credit card companies are required to give the cardholder notice before or after the account is closed. Your company has failed to do so and I believe that this is a violation of XXXX by failing to provide notice before or after closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: January Technologies, Inc
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received an email from XXXX I had a loan with XXXX XXXX XXXX XXXXXXXX had sent the account over to XXXX. I was on a payment plan of {$62.00} 12 weekly payments starting on XX/XX/XXXX when I went and put in my debit card invalidated a XXXX cent charge, so the payments began on XX/XX/XXXX I thought I was on the right track and then. And the debit card I had on file last four digits XXXX. I had to cancel that card because it had gotten lost and I had to order a new debit card. Because of that I had a payment on XX/XX/XXXX. I had to skip that payment on XX/XX/XXXX to avoid the card getting charge because that card was already closed. I got the newdebit card on XX/XX/XXXX ending in XXXX. I tried to update it on XXXX but there was an issue with the website updating the debit card. I sent out an email and a representative from XXXX had reached out to me and said that there was an issue with the website and now I can update the new debit card. I updated the new debit card on file on XX/XX/XXXX. I checked back this morning and its saying the next payment is XX/XX/XXXX so Im assuming OK I have been on track so far. Find out what the balance is the remaining balance. Out of curiosity and an agent told me when I spoke over the phone that my balance is still the same and that nothing has been taken out and Im like how is that if I the debit card I had on file had no issues but I had to close that debit card because I had to get a new one because I lost it so I dont know whats been going on and Im in a bind already as it is and now its like I dont think thats fair so this entire time nobodys been charged and youre not charging I dont know whats going on here, but this is shady. I am in fixed income and Im barely making it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My XXXX california XXXX Visa card was drained of money and Bank of America has not helped me to complete the process for successfully filing a claim. The following are the dates of the authorize transfers, criminal fraud : XX/XX/2021. {$5000.00} transferred to BANK OF AMERICA account! 
XX/XX/2021 {$5000.00}. transferred to BANK OF AMERICA account! 
XX/XX/2021 {$2700.00} transferred to BANK OF AMERICA account! 


I was already aware that there is rampant fraud on XXXX cards and I had set the parameters of the account as follows : NO ATTACHED ACCOUNTS NO TRANSFERS ALLOWED NO ONLINE TRANSACTIONS NO ATM TRANSACTIONS NO INTERNATIONAL TRANSACTIONS NO USE OF CARD WITHOUT ID And despite all of these parameters the fraud was allowed to occur. 

I have a log of the phone calls today and list of names I have spoken to so far : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX a supervisor. Your supervisor, XXXX XXXX, has put me on hold, for a total of 40 minutes so far, and he put me on hold without explanation, without telling me the plan or what was happening. Please review my account and help me now. The fraud was brought to my attention today at XXXX and I was continuously on the phone with Bank of America XXXX XXXX until 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 monetary relief
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Bank of America Merrill Lynch sharing transaction history and statements from credit card with family members despite repeated requests to stop doing this. Family members are not signatories to the credit card or authorized users.

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