BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
RE : UNAUTHORIZED INQUIRIES & PERSONAL INFORMATION PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX : INQUIRY DATE : XXXX XXXX PULL INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX INQUIRY DATE : XXXX XXXX INQUIRY DATE : XXXX XXXX BANK INQUIRY DATE XXXX THE FOLLOWING ADDRESSES ARE INCORRECT PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX THE FOLLOWING INQUIRIES AND PERSONAL INFORMATION ABOVE ARE INACCURATE, AND I DIDNT GIVE THESE FOLLOWING COMPANIES AUTHORIZATION TO ACCESS MY CREDIT REPORTS FOR THIS REASON. BY LAW SECTION 604 15 U.S CODE 1681 B STATES THAT CREDIT REPORT AGENCIES, DONT HAVE THE RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT A WRITTEN CONSENT FROM ME. BY LAW SECTION 605 A 15 U.S CODE 1681 C-1 STATES NO CONSENT FOR THESE INQUIRIES WHICH MEANS IDENTIFY THEFT. BY LAW SECTION 605 B 15 U.S CODE 1681 C-2 STATES THAT IF CREDIT AGENCIES ARE NOTIFIED ON SOMETHING ON YOUR CREDIT REPORT THAT RESULTS FROM IDENTITY WHICH MEANS THAT I DIDN'T GIVE CONSENT ONCE AGAIN TO THIS.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THE ABOVE CHANGES!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to get this resolved with XXXX and the debt collection agency when they were calling about this account several years now. The problem is XXXX is stating I owe a debt of XXXX. To prove I owe this debt they sent me statements. I am not saying I didn't have a XXXX account so therefor I do not need statements. What I am stating is that I called in to a XXXX agent and spoke with a rep who stated that this debt would be removed if I sent in the equipment which I did. Once the agent advised me of the information I mailed in the equipment along with tracking information and waited for the update to take with the debt recovery solutions. Instead I was told that I still owe the debt which doesn't make sense because if you send statements that have equipment fees on there and the balance is still reflecting these fees .. 1 the balance is inaccurate 2. the XXXX agent should not have provided the direction that by sending in the equipment the balance would be updated and removed from my credit report. This is unfair and I know this poses UDDAP concerns by your agent providing me inaccurate information. I want this in accurate info removed from my credit report and the called pulled with the agent providing me this information and I know it can be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: AL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with Equifax and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: RFNA, LP
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022. I was notified by XXXX XXXX XXXX that Republic Finance has changed my XXXX on time payment to a status of over 30 days LATE!. I have never been late on this account and no time did the company notify of missing payment. I make my payments online. I verified through my bank account ... ALL payments have been paid and there was never a problem with the payment going to Republic Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unifund llc is reporting a debt that they must have bought from another company and was not aware that this debt was removed from any reporting under my name as this acct was opened as fraudulent under my name. This acct is not mine and that's why it was removed prior. Now unifund purchased this debt and it is un lawfully reporting as collections .. please remove immediately I have also sent the company a letter and copy of ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax continues to reinsert an address that doesnt belong to me and I have never lived at this residence. I have had this address previously deleted in which Equifax sent me a confirmation letter stating it was deleted and they recently this address. They are also reporting a name on my file that doesnt belong to me and I want this name deleted. I will be providing a copy of my drivers license in this complaint as well as a copy of my utility bill to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: ERC
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:
In XXXX of 2021 I notified the companies of the inaccuracy. After being notified of my credit score in XXXX, I again notified the companies of the inaccurate accounts, it is still reporting as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 USC 1681. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXXAccount XXXX XXXX Dept of educationXXXXAccount # XXXX 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 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 2022-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
RE : UNAUTHORIZED INQUIRIES & PERSONAL INFORMATION PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX : INQUIRY DATE : XXXX XXXX PULL INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX INQUIRY DATE : XXXX XXXX INQUIRY DATE : XXXX XXXXXXXX XXXX  INQUIRY DATE XXXX THE FOLLOWING ADDRESSES ARE INCORRECT PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX THE FOLLOWING INQUIRIES AND PERSONAL INFORMATION ABOVE ARE INACCURATE, AND I DIDNT GIVE THESE FOLLOWING COMPANIES AUTHORIZATION TO ACCESS MY CREDIT REPORTS FOR THIS REASON. BY LAW SECTION 604 15 U.S CODE 1681 B STATES THAT CREDIT REPORT AGENCIES, DONT HAVE THE RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT A WRITTEN CONSENT FROM ME. BY LAW SECTION 605 A 15 U.S CODE 1681 C-1 STATES NO CONSENT FOR THESE INQUIRIES WHICH MEANS IDENTIFY THEFT. BY LAW SECTION 605 B 15 U.S CODE 1681 C-2 STATES THAT IF CREDIT AGENCIES ARE NOTIFIED ON SOMETHING ON YOUR CREDIT REPORT THAT RESULTS FROM IDENTITY WHICH MEANS THAT I DIDN'T GIVE CONSENT ONCE AGAIN TO THIS.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THE ABOVE CHANGES!!!

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-11-21
Company: AXOS FINANCIAL, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX bank closed my account without notice and my direct deposit was not received as a result. The company refused to tell me when my funds will be rejected so my company can pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: CA
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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Balance {$1300.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$1400.00}, Date Opened XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had sold and item thru XXXX  several years ago. The person then decided he didn't want it, and wanted a refund. The sale was final As-Is, but i decided to refund the charge. I refunded his money thru XXXX, then AFTER that he filed a dispute with his credit card, which then reversed the entire XXXX. So now i'm out that money and the money i refunded him. XXXX refused to give me any information on his credit card that i could contact and file with them, then wanted me to pay them the XXXX. 
This was a scam from the beginning and XXXX was in on it. Now they have sold to an outside firm, trying to collect from me. I have no additional paper work, as it was on the XXXX  site, and they have blocked my access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i received a notice from XXXX  about a collection on my credit from security credit services llc! i have never entered a contract with them, they were rude and threatened to sue I've disputed the item with all three bureaus. then mysteriously i received a letter from yet ANOTHER COLLECTION COMPANY thats collecting for them, XXXX  trying to collect this debt and offering a lesser payout! I have never done business with them either and they too have been extra aggressive i feel my rights are being violated! The Fair Debt Collection Practices Act prohibiting debt collectors from " using any false, deceptive or misleading representation in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
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: Account status incorrect

Complaint:
There is an inquire still showing on my report that should have been deleted already by law. Name of company is XXXX XXXX XXXX   the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. If you need to get in hold of me feel free to contact me at XXXX XXXX XXXX. Thank you in advance for your prompt help. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A. On or about XX/XX/2023, I received an email from XXXX XXXX wherein she was attempting to collect the debt XXXX XXXX # : XXXX. I responded by requesting the items below to validate the debt. 1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt to the Original Creditor. 2. Proof that you are a legal debt collector in California. 3. A copy of the Bond that shows that you are Legally Registered in My State. 4. Copies of ALL Statements from Open to Close of this Account. XXXX XXXX has failed to submit the required documentation to validate this debt. However, they have submitted to the major credit bureaus they have validated this debt. XXXX XXXX XXXX didn't notify me of this debt before placing it on my credit report. 
I have disputed this debt multiple times with the credit bureaus asking them to provide the documentation XXXX used to validate the debt.

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 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-01-11
Company: BARCLAYS BANK DELAWARE
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I made a purchase on XXXX XXXX XXXXs website with my Barclays credit card. The amount of the purchase was $XXXX for a shirt and pants. The item did not fit and it was returned to the seller. On waiting on my refund from XXXX XXXX XXXX they emailed me and said that they couldn’t issue me a refund because it didn’t comply with their return policy by assuming that the item was worn. They re-shipped the item to me but I refused the package because I know the item was never worn! I contacted XXXX XXXX XXXX and ensured them that the product was returned exactly how I received it and I proceeded to file a claim with Barclays Card services. On filing a claim with Barclays after about a month I received a letter from Barclays stating that XXXX XXXX XXXX said I never contacted them which was not true and the over all reason for the decision to not go in my favor was stated that “the primary has no proof the sizes ordered differed from the size that was received” which was far from the truth of why XXXX XXXX XXXX first contacted me. I re-opened the case and submitted the necessary evidence and documents showing that XXXX XXXX XXXX submitted untrue information. I hadn’t heard from Barclays so I contacted them about a month after. They informed me that the case still did not go in my favor because they cannot override the policy of the seller. Barclays said they would send me a letter and I’ve been waiting for it almost 2 months now. This is a completely unfair decision. XXXX XXXX XXXX still has the merchandise in their possession, in addition to the charged amount of $XXXX. Barclays has left the charges on my card and it has been accumulating interest! They have submitted zero evidence that the item was sent back worn except for XXXX XXXX XXXX saying that. I submitted evidence stating that the company has lied and they still made the decision in XXXX XXXX XXXX favor. I would think my card company would try their best to get me my reimbursement, instead they were very negligent and unfair in dealing with this matter. They have failed me as a long term customer and this matter needs to be rectified immediately.

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 2022-04-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$140000.00} / XX/XX/2021

Company response to consumer: Closed with explanation