BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried to contact Equifax..Equifax information services..LLC XXXX XXXX XXXX XXXX XXXX..about the credit cards and loans for jewelry ..and addresses..that are on my credit I haven't written a check in 13 years.. because of a hate crime harassment & retaliation case # XXXX haven't applied for any credit cards or loans in 13 yrs ..I gave up on check writing after XXXX branch manager continued to XXXX profiled stalk me by phone and person..My last address is in XXXX Washington ... in which I moved there in XXXXThe home school information is wrong ..I actually worked at XXXX XXXX XXXX XXXXIn which was one of the first XXXX XXXX XXXX XXXX in The XXXX Washington area..Owned By Prophet XXXX XXXX XXXX and His wife..who recently ran for congress as a united states senator..Former United States military ..who later gave me a Job as a XXXX..and also Working with XXXX with Famous Judge XXXX wife XXXX XXXX who owned one of the first XXXX american daycare..I have published more than XXXX XXXX ..and a XXXX yr author of a XXXX owned magazine XXXX XXXXThey dont have any of my jobs ..or recent business.they i never lived on XXXX XXXX in XXXX Washington thats wrong..I haven't lived in XXXX can't Washington for almost 14 yrs Now. XXXX XXXX XXXXThe loans are identity theft because I don't own no credit cards at all .nothing never have .I haven't applied for any credit for anything.after second hate crimes case threatening me not to ..and that several XXXX American people are on a none XXXX policy to not receive credit..across several computers because of XXXX covenants on them..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Effective Date : XX/XX/2023 RE : Notice of Intent to File Lawsuit To whom it concerns, This letter of intent to sue shall serve as formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : 1. Unauthorized use of personal information 15 U.S. Code 1681b.

2. Redundant inaccurate reporting, after numerous certified mail disputes 15 U.S. Code 1681n - Civil liability for willful noncompliance/ U.S. Code 1681s-2 ( b ) Reporting information after notice and confirmation of errors 3. There are multiple references of dated, late and missed payments which are a part of transaction history the listing of such is illegal see 15 U.S. Code 1681 ( A ). 4. Inaccurate, unfair and Noncompliant reporting has ruined my image during background checks for security clearances, and the option to rent. Ive personally missed 3 job opportunities over 80,000 each due to negative credit shown on my consumer report. Ive also had to consult with the XXXXXXXX XXXX department of the Veteran Affair for psychological damage after unemployment and financial hardship. 
. 
I. The Plaintiff. XXXX XXXX XXXX XXXX. The Defendant. XXXX XXXX. Settlement Demand. 
XXXX Data breach Settlement Claim Number : XXXX As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX XXXX XXXX ( {$220000.00} ) for psychological, financial, reputational damage. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 30 days from the Effective Date.

V. Governing Law. This Letter of Intent shall be governed under the laws of the State of North Carolina.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im seeing multiple things on my credit report that I didnt authorize

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 2021-06-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: AFNI 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: Old information reappears or never goes away

Complaint:
I have been trying since XX/XX/XXXX to dispute a XXXX which turns into AFNI  for collections on my credit file. I have never heard correspondence from XXXX or XXXX about validation of debt and they continue to dispute this incorrectly. I have contact AFNI, because XXXX is so old it was bought out by another carrier years ago. AFNI even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. XXXX and XXXX have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 FAIR COLLECTIONS & XXXX XXXX Credit report transunion credit report. XXXX XXXX XXXX XXXX section XXXX A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-08-24
Company: CCS Financial Services, 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:
I made an uninformed decision when I entered into a contract with XXXX XXXX XXXX, nor didi give Credit Collection Services any permission to access my personal information. Identify theft.Only evidence of a debt was the agreement which is null and void because I did not receive any notice stating the facts thereof, was never clear and conspicuous as stated in the federal law 15 usc 1601k. Congress clearly states that an any contract or agreement must be clear and conspicuous. There is no evidence of a debt. I never received any adequate notice stating the facts of this contract ; there for this agreement is deemed null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: 90 Day Credit Experts
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
8/23/23-Informed company that I had obtained counsel for Bankruptcy filing provided name and number to attorney and requested them to stop contacting me. Collector stated he will continue calling and texting so that they will still keep trying to pull payment from my card and that they will report me to credit bureaus. I stated once again to stop contacting and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Denefits LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXXInformed company that I had obtained counsel for Bankruptcy filing provided name and number to attorney and requested them to stop contacting me. Collector stated he will continue calling and texting so that they will still keep trying to pull payment from my card and that they will report me to credit bureaus. I stated once again to stop contacting and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I submitted written request to XXXX, trans union, and XXXX   about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to XXXX. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.

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 2023-08-24
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My husband was served my judgement paperwork on XX/XX/23 while I was at XXXX classes. The collection agency never sent me any written notice of debt being in collections, never tried calling me to discuss the debt. I only got the information when I was served. I called the debt collection agency attorney who drafted the judgement. I was told that it doesnt matter that they didnt contact me and that I still had to pay the debt. I tried asking for a settlement amount or to do payments due to not working for months while attending a XXXX program ( XXXX XXXX ). He offered to take around {$100.00}. My debt was under {$500.00} now with the legal fees and everything theyve added with interest my debt is close to {$700.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

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 2018-05-09
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I keep receiving phone calls from XXXX but they never leave a message. When I called back I was transferred to XXXX. She stated I owed them for XXXX XXXX XXXX. I asked her for proof of the debt and she stated " we sent you a letter telling you what you owe ''. I advised her that I have a legal right to see proof of the debt, not just a letter. She became angry and said " fine, you'll get it '' and then hung up. I called back and asked to speak to a manager and was transferred to XXXX. She asked what the problem was and I explained to her and she stated " Yeah, I know, I listed to the call so what do you want ''. I said I want actual proof of the debt, something where I signed stating I would be responsible for the debt, actual itemized statements with dates of service etc. She verified my mailing address and then stated " I'll send it to you but we are putting this on your credit ''. I advised I would be reporting their behavior and she said " oh, ok. well, I'll note your file. They never asked me any identifying information nor did they provide any identifying information during the call without my asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I reached out to XXXX regarding an alleged it claiming to be old and Im on {$390.00}. I ask for full investigation and the count came back as updated and is following the FCRA requirements when it comes to reporting I disputed this again on XX/XX/XXXX for this account is still reporting inaccurately asking for a factual dispute asking that they Please provide me with the method of verification used as a collection with a past due balance is inaccurate reporting.

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 2021-08-26
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:
there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Rent Recovery Solutions
State: CO
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:
Had my identity stolen in XXXX of XXXX. Made an ftc report etc, I didnt know of the debt until it reported on my credit along with other companies with accounts I didnt open. 

I tried to reach out to the company in XX/XX/XXXX, including sending a letter letting them know it was fraud and to take it off my credit. However I got no response and today is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi Madam/Sir This Complaint are against TransUnion. I had pull a Credit Report and noticed that ; 1 - TU records show XXXXXXXX XXXX XXXX XXXX ( the payment plan with creditors were completed ) within updated date XX/XX/2023. 

I was not approved for an XXXX XXXX on XXXX by XXXX XXXX  based on information from TU, " XXXX proceeding, credit counseling or creditor settlement '', well, this phrase are present sentence! Looks the TransUnion representative should always read and share the correct information on records to XXXX XXXX or any other Credit Institution. I believe my Credit were affected. 

Honestly I don't know what actions CFPB can or may do against TransUnion, one thing I wish are XXXX to become more careful sharing information. 

Sincerely 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 2023-01-26
Company: FIRST HORIZON BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
First Horizon XXXX XXXX XXXX XXXX, XXXX, TN XXXX The main conflict occured roughly XX/XX/XXXX XXXX XXXX XXXX the beginning I was treated as if I wasn't a customer and a liability by the XXXX XXXX. That goes into great detail. Long story short, she got a false accusation from a third party saying I had a warrant for my XXXX  commanding I be removing from my home by XXXX instructing him to take all my bank information from the old account documents card ect which he didnt do because he knew and stated the situation was crazy ( with multiple lengthy calls XXXX? ). She then started a financial investigation writing Negative {>= $1,000,000} XXXX onto the account, started an elderly abuse investigation and I was told after all was settled the account would be re opened. I think the financial abuse investigation was terminated by her as 13? 14 days hadnt passed and she had switched the account off within probably 4 days. I passed the investigation ( s ) and now im being told more lies and excuses as to why I can not open the account or as to why it hasnt re opened. Ive called multiple managers and they all give a different answer. It hasnt been 2 years and she opened his old account with his deceased adopted daughter who passed as of XXXX and they are telling me I can not open the account and that I have no grounds and that two people need to be present. Which doesn't seem to be their track record or what I was originally told. They also claim there was no significant amount of cash in the account before closure, which there was. And claim the account is at a XXXX balance which makes it not worth opening ( thats because all funds were moved right around the same time I deposited a check ), but if there was cash in there they could do something. TO much XXXX. Also told my grandfather I was stalking him and told me I hacked him because she didnt change my email off the account when she switched things over. I was doing my research and heard it can have future penalties, and they wont disclose any information from the account to me so I Dont know if it was closed as an on going financial abuse investigation or what have you. I appreciate your help thank you. Also reported scam transactions on the account and was called stupid, and then blamed for it a few days later when XXXX got hit with a bigger false transaction by XXXX. 

I really dont want the company to " review '' this, as soon as I went in to speak with XXXX to settle this issue she opened her email and sent a message out ( as were speaking ) which dulled the communication I was getting from other Bank Managers . 

I am also currently very sick and navigating through life has been hard, should be getting the medicine soon and over this turmoil.

Company response to consumer: Closed with explanation