BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
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 confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Comenity Acct # XXXX & XXXX XXXX  # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank XXXX we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My family and I were affected by Hurricane Ian and Nicole during the months of XXXX and XXXX in 2022. I called bank of America on XX/XX/2022 and Spoke to XXXX to explain my situation and hardships with payments due to the hurricane and he advised me that the late fees would be removed from my credit card account and no late payments would be reported to the credit bureaus. My credit report has a late payment for the month of XXXX. I tried to dispute this with Bank of America multiple times and they will not remove this from my credit reports. Even with the difficulties we endured during this natural disaster I still made payments on my account in XXXX and XXXX. I have been banking with Bank of America for almost 10 years with my oldest credit card account of 6 years and not a single late payment with them.

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 2023-02-02
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : 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 2021-12-28
Company: ResidentCollect, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently had an apartment background check to obtain a unit. When I receive my background check back, the information on there was inaccurate and should not be reported. This has damaged my employment history and rental history in regards to trying to obtain a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax criminally and civilly injured me as a result of their reckless and criminal leak of data in XX/XX/2017. They caused me and my children severe harm and near XXXX during the pandemic as a result of their criminal negligence. 
I have had to place a freeze on my credit because of their criminal negligence and removing that freeze temporarily is XXXXMPOSSIBLE. They refuse to allow me to process this online as was the case today and require me to call XXXX. When I call I get jerked around for an extended period of time, most of the times, as today, I answer a series of questions, their phone system does not work and does not register my responses and I spend all this time only to then be kicked off the system due to unusually high call volumes or we are closed. The fact that our government and this agency still allows Equifax to operate is beyond ridiculous, they XXXX up and then prevent people from being able to rent or buy homes due to their recklessness and lack of accessibility to service the customer. I am able to lift security freezes from other credit bureaus in seconds, with Equifax it usually requires several days, several calls, several agents who barely speak XXXX and a phone system that appears to be designed not to work. What are you people doing? I know I cant be the only person lodging these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Sunset Management, Inc
State: GA
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:
These accounts were opened without my knowledge or consent and I wish to have them removed IMMEDIATELY. These fraudulent items have caused my credit report to drop dramatically without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: NJ
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:
This is unacceptable the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 as of today its 49 days, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below. 

1. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 2. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete 3. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 4. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 5. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 6. XXXX  XXXX  CU : Account number : XXXX, How did you verify this account? Please delete XXXX. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete 8. XXXX : Account number : XXXX, How did you verify this account? Please delete 9. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Meridian Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XXXX I purchased a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX owned/managed by XXXX XXXX. In or around XXXX I was in financial ruins and unable to pay maintenance fees for this timeshare. Sometime following that I do not have any idea exactly, approx XXXX, I received notice of default on my timeshare and it would be reacquired if I did not pay the past due maintenance fees. That was the last time I had any contact regarding this matter. In XXXX this year I received a letter demanding {$2800.00} for unpaid maintenance fees from XXXX XXXX. I immediately called on XX/XX/XXXX at XXXX XXXX  and spoke to person there and explained my position on the claim fees due. He did confirm where he saw that there was some docs related to XXXX reacquiring my timeshare week. I was told the company had been taken over and records were incomplete, they would have someone call me. Never happened then I receive notice from a collection agency Meridian Financial demanding payment. I contacted the collection and again explained I was under the impression I was not the owner anymore and have not been for years. Then around the second of XXXX it was reported as not one balance but as 6 different entries with the same dates. I also informed collection agency I had retained an attorney to dispute and gave them his name and phone number

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 2021-08-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I when on line XX/XX/XXXX to look a XXXX XXXX XXXX XXXX XXXX, I placed an order for this product on XX/XX/XXXX and completed my order. Sunday morning XX/XX/XXXX I received a strange e-mail bulletin type form showing my complete account number ( in large one inch print ) saying that my credit card was bad, and that I had to immediately place my order again with another credit card. I took the bait. I used another Citi card ( same CC company ) I received the first one the next week. Weeks later I received another one, but had no paperwork, I got a second XXXX XXXX XXXX unit from them that was charged to the account that they said was NO good. I didnt order two, and they have no right to use my credit card again. The second one arrived on XX/XX/XXXX coming from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. 
I received my Bank statement XX/XX/XXXX and filed a dispute with them telling them that I didnt buy two XXXX XXXX XXXXXXXX units. Now the newest statement reverses the charge back to me, saying this conditional credit was reversed, since it was determined to be a valid charge. My bank doesnt want to listen to me. A letter was sent to Citicards on XX/XX/XXXX again. I also contacted customer Service at XXXX XXXX XXXX  to request a call tag ( second request ) to pick up the second unit that was not purchased by me. 
FYI : XXXX  XXXX XXXX has numerous complaints 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 2023-08-15
Company: Experian Information Solutions Inc.
State: NY
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 confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 2023-12-04
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
account open on XX/XX/2023 balance XXXX Transworld systems company trying to collect from me but this not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
So Loan At Last is a XXXX XXXX XXXX basically giving them Sovereign Immunity against State & Federal laws limits on APRs. I took out a {$600.00} loan not realizing they are charging me a 664.67 % APR. Making a {$600.00} loan into a {$3000.00} loan after everything is said and done, I dont understand why these Predatory Loan Companies are allowed to conduct shady, illegal business practices. Just because theyre protected by Sovereign Immunity? Thats ludicrous! Its unethical & immoral to charge such an APR. And they wonder why I cant pay back the loan! And on top of they, they put the loan in collections! They shouldnt be allowed to do that. Nobody will ever be able to pay off a loan at that rate. Loan At Last needs to be held accountable for their atrocious business practices & should be ordered to pay back restitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by FAIR COLLECTIONS & OUTSOURCING, INC, they are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This was related to frivolous contested debts by landlords who charged me without prior mutal agreement. the accounts been re-aged, I was excessively called despite telling the collectors not to call my phone. I told them this was not a valid debt and they not only failed to mark account as disputd, they kept on insisting that I MUST pay and there is no other option. I was told if I paid the item would be removed from my credit report, which didnt happen Account # 1 : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Type : Collection Account # 2 : XXXX Date Opened : XX/XX/XXXX. 
Balance : {$0.00} Account Type : Collection Solution : Deletion accounts from all credit bureaus.

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