BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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:
I recently reached out to Equifax when I saw that my credit took some large dives. When I looked on XXXX XXXX, and on their website, the only changes were from me paying down debt. The most recent dropped my score by XXXX points, when I made a payment on my one card, the other drop was XXXX points when I made a car payment. I'm aware that Equifax had issues regarding this in the past in 2022, but if we are relying on companies like this to provide fair and accurate reporting, they are not. When brought to their attention they didn't seem to care, and it likely has to do with their being no clear path to start a dispute regarding your report. It has to be against a creditor on their site, you can't open up a report on them regarding accuracy. This needs to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2022, I noticed a debt from Columbia Debt Recovery of {$420.00} on my credit report. Upon investigating this debt, I found that it was done for an apartment rental property application in XXXX, Georgia. However, I am not a resident of Georgia, nor have I filled out such applications to move there. This is a fraudulent activity done using my personal information. During this time, I also received a letter in the mail as lost and found which was a fake drivers license under my name, using my personal information but had someone elses picture to it. This shows that someone has been using this fake ID to make purchases under my name. I have attached the fake ID to this form for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: LA
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 have notified Equifax, XXXX, & XXXX about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX, XX/XX/XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: LA
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:
RQUESTED DOCUMENTATION SHOWING PROOF THAT THE XXXX ACCOUNTS BELONG TO ME. I WAS NEVER PROVIDED THE NECCESSARY INFORMATION PROVING THESE ACCOUNTS BELONG TO ME. EVEN AFTER BEING NOTIFIED THEY CONTINUE TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-01-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was looking at a copy of my consumer report and noticed some late payments being reported by XXXX XXXX XXXX by law that should be on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. This is how a consumer report should look by law and it doesn't say late payment to be on there in ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; it clear states transactions which late payments are should be excluded from my consumer report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. It is your duty to provide accurate information so I ask that the late payments on the account are updated to show OK or Paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : $ XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX XXXX : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-16
Company: EQUIFAX, INC.
State: TN
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:
Personal information as well as all financially obtained documents and other safeguarded information, medical/dental records, employment records, and educational records and students loans and ID 'S have been stolen or viewed by persons with no consents to do so by myself. Personal information was shared by these people to my community for all to hear my protected information and business, as well as phone data info and personal and business contacts and names shared with the same undignified route. All info was announced to citizens and throughout the city; including aired in all businesses and public places via loudspeaker and PA 's. XXXX date XX/XX/23 with no ends thus far and dates are as I know of at this point. Reported to IC3.gov and local law officials thus far. All issues are on a local, state, federal level and include violations of civil and privacy right laws, employment laws, stalking and harassments included on public and private properties. 

** please correct personal info to .whitt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had an old paid collection on my credit report and called the the collection agency, XXXX XXXX on XX/XX/22 and they agreed to delete the collection from all 3 credit bureau. XXXX and XXXX immediately removed the collection. Transunion did not. So I disputed the account again directly with XXXX  in XXXX, XXXX and now again in XXXX with the supporting letter from the collection agency requesting a deletion and it still has not been removed. I have also followed up with XXXX XXXX and they have sent the request now 3x to Transunion XX/XX/22, XX/XX/22 and again today. I have spent hours on the phone with XXXX on multiple occasions and can't get anywhere with them. I absolutely know XXXX XXXX sent the deletion request since XXXX and XXXX took it off.

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 2023-01-05
Company: EQUIFAX, INC.
State: MD
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : $ XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX : $ XXXX NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Company: EQUIFAX, INC.
State: MI
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 have been fighting with ally  for double reporting and disputed it On all my reports XXXX XXXX just took it off again. Equifax initially removed the balance after they dropped the ball initially. They were reporting an account I had that had a sketchy payment history, so it would be view as negative. Then another account stating I owed XXXX to them. I asked for proof of debt, never got it. Informend them they were double reporting my account. They kept the one stating I owed them deleted my actual account. I complained yet again, this time they didnt delete the account but XXXX the balance. Well, Ive been fighting this on all three agencys and XXXX XXXX just deleted it this morning. I look at my equifax and it says I owe XXXX again! I came with receipts this time. This needs to be deleted off my report. They have damaged my credit and cost me tons in interest. There was a time it was my only blemish for a short period but I never got a fair shake at credit due to it and Im trying to close on my house next week and they pull this hoodwink! Attached is my one account stating XXXX balance. Along with the equifax screen shot of XXXX balance as well as XXXX  finally doing the right thing and deleting it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
TRUIST Item Processing Center XXXX XXXX XXXX XXXX NC XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX They are in violation of 15 U.S.C 1605, 15 U.S.C1635, and 15 U.SC 1692h and 15 U.S.C 1666b. I am requesting the return of my moneys due to fraud. The contract is now null and void failure to disclose right of rescission. Automatic violation in the truth and lending act ( TILA ).

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Transunion is reporting these collections as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- Bankruptcy XXXX # XXXX, # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX XXXX # 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

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 2023-05-16
Company: EQUIFAX, INC.
State: MI
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:
On or around XXXX XX/XX/2023 I filed CFPB complaint XXXX against Equifax for XXXX to fix errors within my credit file. The complaint included over XXXX pages of documentation that demonstrated a subscriber engaged in multiple violations of the FCRA, FDCPA, TILA/Regulation Z, and the ADA. Equifax responded with " XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. Trade : XXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. PAID AS AGREED ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROM THE REPORTED DATE. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HISTORICAL ACCOUNT INFORMATION NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX '' That is, Equifax claims one Tradeline for XXXX XXXX is being reported with no derogatory information, and another is not reporting. However, a credit report from XXXX XX/XX/2023 clearly shows that XXXX is continuing to report the XXXX XXXX account I disputed even though that account is not allegedly being reported. At this point Equifax knows or should know the information being persisted is invalid and/or inaccurate and should not be in my credit files because the information was generated based on race discrimination and XXXX discrimination. Thus, the persistence of this invalid and/or inaccurate information in the credit file Equifax holds on me, Equifax 's negilgence in removing the information, has caused me to be subjected to housing discrimination vis-a-vi disparate impact. Moreover, I am someone that holds or has held security clearances as a condition of employment. By not removing this information from my credit file Equifax now jeopardizes my employability within my profession.

Company response to consumer: Closed with explanation