BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 furnishan accountt without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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:
My identity was stolen. Now I have multiple accounts on my credit report that keep my score down I have reached out multiple times to have the issue resolved and the 3 credit bureaus have a hard time correcting/ fixing this issue. This is unethical as I have filed a police report and followed all protocols to try to resolve the issue. However, the credit bureaus choose not to clear this matter up. 

Listed below are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wrote directly to the US BANKRUPTCY bank in XXXX  GA & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file .. your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file

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 2018-04-28
Company: ORG GC GP Buyer, LLC
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My first contact notice from GC Services ( XXXX XXXX ) of XXXX, Tn. was in XX/XX/XXXX of XX/XX/XXXX, and I responded with an explanation and a packet of information showing the debt had been dismissed in bankruptcy in XX/XX/XXXX ( Certified mail receipt XXXX XXXX XXXX XXXX XXXX ). The second notice was in XX/XX/XXXX of XX/XX/XXXX, and company ignored my formal request ( s ) for them to provide written proof that the debt HAD NOT been dismissed. I answered the second notice in XX/XX/XXXX( Certified return receipt : XXXX XXXX XXXX XXXX XXXX ), disputing the debt, and re-iterating that the debt had been dismissed. I once again asked them to provide documentation showing they had a valid, collectable debt. I never received a response to either of my requests. Twenty ( 20 ) months later ( XX/XX/XXXX ), I received another collection notice that implied I had been avoiding their collection attempts, and they threaten to take other action ( s ) against me. I responded again summarizing the previous Two ( 2 ) responses, and informing them I was disputing the debt, had not re-affirmed the debt, and informed them they were in violation of Federal Collection laws by not providing the requested documentation and continuing with collections. My response was sent Certified with return receipt XXXX XXXX XXXX XXXX XXXX. It was received by the collection agent on XX/XX/XXXX. The collection agent wrote yet another notice that same day, requesting payment, and once again ignoring the fact that the debt had been dismissed, and ignoring my requests for documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
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: Their investigation did not fix an error on your report

Complaint:
Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately 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 2021-12-08
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 belongs to someone else

Complaint:
On XX/XX/XXXX I contacted XXXX regarding the billing error on my account with XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. XXXX continues to furnish this innacurate alleged information. I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. On XX/XX/XXXX I called XXXX to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXX/XX/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 2023-04-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2021-08-18
Company: EQUIFAX, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account KOHLS/CAPONE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is with Truist Bank. 

I opened up an account with his bank. They are not located anywhere in XXXX This blank blocked any access to this specific account. Left my funds in the account and would not allow me to withdraw them. They have asked me to verify my identity, and the only way to achieve that would be to step into a branch and show my photo identification. however, there is no local branch here in XXXX They have told me that this is the only way that I may get this done. I have been bounced around from their XXXX XXXX XXXX  department to their fraud management department to regular customer service. I have spent countless hours on hold with each department. I have been giving solutions with the timelines that have never been met, and yet I am receiving monthly bank statements in the mail every month with my balance, slowly going down due to monthly service fees. This has been going on for a little over a year now. I attempted to open up separate banking accounts with them to try to just do an internal transfer and they gave me access to those accounts that were newly opened, but restricted access to the account that had my money in it. I have experienced extreme financial hardship due to this, and theres been no effort on their end to try to rectify the situation.

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 2021-12-08
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:
Hi I hope everything is good. I sent you a letter over a month ago it was dated XX/XX/2021 and I was expecting to get a letter or notification regarding this but I haven't. i was told to go to this website to reach out to you and request to check my letters. I need those errors to be fixed as soon as possible so please do investigate and remove that inaccurate and misleading information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: TN
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:
Failed to comply with the FCRA provisions regarding blocking accounts that resulted in ID theft. Also refused to acknowledge the FTC report as well as the FTC as being an " enforcement agency ''

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 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have request PROOF OF CONTRACT to substantiate a claim that I owed the amount {$3300.00}. to XXXX XXXX XXXX. The Transunion nor the collection agency provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim against me. The Reporting Agency send me on XX/XX/XXXX and updated account Investigation Results as Verified as accurate. But their answer is just a computer generated document with a copy signature that is not mine. They failure to Validate the account and to send me a notarized document that will demonstrate that the " investigation '' was conducted properly. 
The same happen with a XXXX case charging me with a {$580.00} as of XX/XX/XXXX. Moreover, they have reporting in my credit report a XXXX XXXX XXXX, for the amount of {$8600.00} in this case I filed a dispute letter that the collection agency fail to informed me about why they failure to follow New Jersey repossessing Law, and failure to Validate the account

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 2022-09-14
Company: Experian Information Solutions Inc.
State: MS
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2019-01-18
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019, I received a call from XXXX on my cell phone. There was a " robo-call '' message on my voice mail stating that the call was looking for XXXX XXXX, who is my brother. I did not retrieve the message until XX/XX/19. I called the number back on XX/XX/19 for the sole purpose of telling them that I have nothing to do with any debt for XXXX XXXX, and to remove my phone number from their system, and to not make any further calls to me. The first call was placed at XXXX eastern, and was answered by a gentleman who did not, and would not provide his name, nor would he provide the name of the company he was calling from. When he answered my call, he requested my name, and I told him I would not provide my name, that he was looking for someone for whom I have no responsibility for his debt. He asked me to tell him how to get in contact with XXXX XXXX, and I told him that was not my problem. He responded by telling me that they would keep calling until I responded. I again asked for his name and the name of his company, which again, he would not provide. The entire conversation, he was talking over me, so I don't know that he heard anything I had to say, since he wasn't listening. Finally he said " have a blessed day '' twice and hung up on me.

I called for the second time at XXXX XXXX on XX/XX/19, this time I reached a woman I don't recall her giving me her name, but she did tell me the name of the company wad XXXX. I asked her what XXXX  stands for, and she would not tell me, and hung up on me.

I called for the third time at XXXX  on XX/XX/19, and immediately asked for a supervisor. I was transferred to a gentleman who told me his name is XXXX XXXX. He confirmed the name of the company is actually DRS, and that it stood for Direct Recovery Services. I advised him that this was my third call to the company, and that I am calling to advise that I have nothing to do with XXXX 's debt, and I wanted my phone number removed from their system, and I did not want any further phone calls from their company. He assured me that the number was already removed. I went through the entire thing again, asking him to confirm that my number was removed. He confirmed that it was.

Unfortunately, I have had similar issues with accounts that belong to my brother from other agencies, and it takes multiple contacts to actually get my phone number removed. I am filing this complaint because of their inappropriate tactics, they need to respond appropriately when they are called, not talk over callers and refuse to give their names and the name of their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My credit bureau ( XXXX, TransUnion, and XXXX ) account was frozen without my consent by a third party.

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 2022-12-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$95.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account name : 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 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