BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: AZ
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:
I HAVE REQUESTED INFORMATION TO BE REMOVED/UPDATED WITH ALL XXXX CREDIT BUREAUS : EQUIFAX, XXXX, AND XXXX ; AS WELL AS XXXX XXXX XXXXXXXX SPECIFICALLY XXXX I HAVE ALSO REQUESTED TO OPT-OUT OF THE MARKETING LISTS FOR PRE-APPROVED OFFERS. I WOULD ALSO LIKE MY INFORMATION REGARDING HARD INQUIRIES TO BE REMOVED FROM MY REPORT FOR NOT HAVING MY CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: KY
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:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, 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:
I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. Equifax, XXXX and XXXX are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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:
equifax has ignored my request that was mailed to them on XX/XX/23. My request was to go over some items that seem to be invalid and i wanted to inquire on some things i didnt know were causing issues with my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: CBC Companies, 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: Reporting company used your report improperly

Complaint:
To whom it may concern : On XX/XX/2022, an unknown entity - XXXX ( Miscellaneous ), ran my credit without my consent. 

Please remove, this unauthorized information from my credit. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NY
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 am submitting this CFPB Complaint to bring to the Credit Bureaus ' attention the presence of fraudulent accounts and inaccurate information on my Credit File, which is causing significant concern and distress. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these erroneous items in accordance with FCRA section 605b. It has come to my attention that there are accounts listed on my Credit File that were opened fraudulently. I believe I have fallen victim to identity theft, and I have taken the necessary steps to report the issue accordingly. Enclosed with this letter, you will find the required documents, including an ID Theft Report, supporting my claim and providing evidence of the fraudulent activities associated with my credit profile. I request the immediate deletion of the following items completely from my Credit file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi good afternoon My name is XXXX XXXX I'm XXXX XXXX XXXX and im a client of XXXX XXXX, After being a victim of Robinhood and have lost nearly XXXX from my XXXX  checking account usd I've contacted Robinhood however they were unwilling to provide a refund without providing any legitimate reason so I've requested them to close my account but they were unwilling, only until I've lost an additional XXXX usd, I then ask XXXX XXXX If they can investigate the matter but they were unwilling even just to take a look this has caused me a lot of stress and mental issues as well, im devastated by the despicable act of XXXX XXXX And I'd like you to please request from XXXX  to investigate the matter XXXX did not profom any due diligence while this transaction took place I've been decpted by XXXX and this is unacceptable behavior, Thank you so much for your service and have a nice day Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was renting an apt from XXXX XXXX XXXX. There was a discrepancy with one of my rent payments while I was out of the country. To summarize, owner attempted to get me evicted. I had to retain a lawyer, we had to sign an agreed stipulation for amount owed, vacancy date etc. Everything was done as agreed, and this paperwork was approved by XXXX County State Court. Six months later, I started receiving phone calls from a debt collection agency advising I owed over 2k in  outstanding rent. I explained the situation and provided case number, but calls did not stop and I came to find out later that this inaccurate information ended on my credit report and has affected terribly. I am still vigorously fighting with the credit bureaus to get this removed. I have submitted multiple disputes through the credit bureau submitting the paperwork and they state that National Credit Systems keeps verifying account as accurate. I have worked very hard to try and maintain my credit up to par and this atrocity has caused me more stress than I ever Imagined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
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: Account information incorrect

Complaint:
This account was opened without my permission and several fraudulent charges were applied to the card. I disputed with XXXX XXXX and opened an investigation the account was CLOSED by XXXX XXXX This account was opened XX/XX/2017 account balance {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I was trying to purchase a home and noticed damages on my report which is a deformation to my character according to the 15 U.S.C 1681 there should not be any damages on my report. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent. Sent letters XX/XX/2023 and XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NY
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 XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: IL
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:
Abuse of trust by a former co-worker in the AUTO loan processing process and where they took advantage of my good will and carried out a whole process of strong consultations with different banks and financiers that are exactly detailed before the credit bureau with my credentials for the procedure requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). 



XXXX XXXX asked me to help her accompany her to your office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. First, her credit and credentials were verified. ( SSN ) And the salesman who assisted her at the time told her that her credit score is very low and she needed to present a co-signer and contribute a higher premium to the AUTO. Having this information, XXXX, she suggested to the seller that they try my personal credentials ( SSN ) to see how my credit history would come to light and see if the monthly payment could be lowered. So USD XXXX was a very heavy amount for their finances. She was looking for an average fee between approximately USD XXXX. 



I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best economic decision for her budget. The seller and she assured me that only XXXX inquiry would be made to the credit bureau and that it would be soft. And it wouldn't affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and NEVER request to be the main debtor and/or co-debtor in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got internet from XXXX and during the installation they said they couldn't use my modem and substituted their own without telling me. When I terminated the service, I asked if there was anything I needed to return and they said no. I moved to a different state and they sent the bill for the modem to the old address. I didn't know about this until the new home owner forwarded the bill to me. I contacted XXXX XXXX  3 times before they sent the box to return the modem. I got the return box on XX/XX/2021 and then I mailed the modem on XX/XX/2021. 
They have still not removed the collections from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After reviewing the investigation results from Transunion, XXXX, and XXXX from XX/XX/XXXX the following accounts were claimed to be verified as accurate according to Transunion, XXXX, and XXXX. You are in violation of FCRA 607 ( B ) accuracy of report. 
After their investigation I have found various inaccuracies and I want these accounts deleted from my consumer report. 

Delete the following accounts : 1. XXXX XXXX Acct : XXXX Last verified nothing is reporting for XXXX also this account is not reporting on Transunion or XXXX XXXX XXXX, please delete this account. 

2. XXXX XXXXXXXX Acct # XXXX last verified Transunion has a date of XX/XX/XXXX and XXXX and XXXX nothing reporting. Which one is accurate? Balanced owed and account type are inconsistent. Please delete this account. Total of 11 violations 3. Department Ed Acct # XXXX last verified TransUnion has XX/XX/XXXX and XXXX and XXXX nothing reporting. Date opened and payments status are inconsistent. Total of 12 violations. 

4. Department Ed Acct # XXXX last verified TransUnion has XX/XX/XXXX and XXXX and XXXX nothing reporting. Date opened and account status are inconsistent. Total of 11 violations. 
5. Department Ed Acct # XXXX last verified TransUnion has XX/XX/XXXX and XXXX and XXXX nothing reporting. Date of last activity and last payment status are inconsistent. Total of 12 violations. 

FCRA states all information reporting must be 100 % accurate. Please delete this accounts for they have caused damages to my livelihood. I have filed a complaint with the CFPB, According to FCRA I can sue for a {$1000.00} per violation and there are currently 57 violations. I want these 5 accounts deleted from my consumer report.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Attached are copies of my most current credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: CARD Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I utilized XXXX for a hotel ( XXXX XXXX ) on XX/XX/21. I called XXXX re : deposit and was informed my XXXX XXXX  Visa could be utilized. When checking in, the front desk stated that the XXXXXXXX XXXX card is not accepted. The Front Desk clerk stated that I would not be charged by the hotel and they would notify XXXX to refund the {$240.00}. I then called XXXX on XX/XX/21 and XX/XX/21 and was told that they emailed Card.com to refund my {$240.00}. Card.com is stating I need to wait 30 days. This is not acceptable. They also made me file a DISPUTE TRANSACTION form and have not followed up on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: FL
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:
I am filing this CFPB Complaint to seek the removal of specific accounts from my credit file. This action is based on a mutual agreement between myself and XXXX XXXX XXXX, as supported by the enclosed correspondence from XXXX XXXX XXXX, dated XX/XX/2023. As XXXX XXXX XXXX, I currently maintain an active loan account with XXXX XXXX XXXX. Following discussions with their representative, we came to a consensus to close the mentioned accounts and have them eliminated from my credit history. The attached written confirmation clearly indicates our intent to close these accounts and erase all related information from my credit report. Here are the account details : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$35000.00} Date of Closure : XX/XX/2023 Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Closure : XX/XX/2023. I want to emphasize that XXXX XXXX XXXX and I reached this agreement in good faith, with both parties understanding that the necessary steps would be taken to ensure the removal of the closed accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: FREEDOM FINANCIAL NETWORK
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company calls me every single day, multiple times a day, mostly at XXXX XXXX, but has recently been calling past XXXX, with the worst incident being after XXXX pm. The caller says that their name is XXXX XXXX and to call her at XXXX. I have explained the situation to them multiple times, however they will not leave me alone. They have yet to communicate with me through mail. Doing business with them was one of the biggest mistakes I have ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: FL
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 am submitting this CFPB Complaint to dispute the inquiries referenced below and demand verifiable proof bearing my signature/electronic signature. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiries in question or delete them. This constitutes a violation of my rights under the Fair Credit Reporting Act sec 604, as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus required to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the items. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX Account # XXXX has violated my rights. 
-15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. 
- 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: CT
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 XXXXXXXX Balance Owed : {$910.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: MS
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 ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. Both together and separately my consumer rights and privacy rights have been violated by XXXX, XXXX, XXXX and Experian. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.

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 2022-04-30
Company: EQUIFAX, INC.
State: TX
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:
Equifax is currently reporting on a close to XXXX XXXX XXXX collection account as Open and over 120 days late. I have contacted Equifax, to dispute the account. But they just refresh it the same. I have told them that they are illegally reporting on that collection. 
Over 120 Days Past Due Open XX/XX/XXXX Whose Account Individual Account XX/XX/XXXX Status {$790.00} Type of Account Type of Loan Debt Buyer Account

Company response to consumer: Closed with explanation