BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Federal Adjustment Bureau, Inc.
State: OH
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, Federal Adjustment Bureau Inc, XXXX XXXX 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts. Please provide SSA-FORM 89 in addition to the sign rental agreement and/or contact information. A ledger without a signature is not a form of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$1600.00}

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX  HAS BEEN TAKING ADVANTAGE OF MY CREDIT. XXXX XXXX HAS FALSELY REPORTED INCORRECT INFORMATION ON MY ACCOUNT REGARDING PAYMENT STATUS IN AGREEMENT TO WHAT WAS DISCUSSED VIA PHONE. XXXX XXXX HAS BEEN NOTIFIED UPON SEVERAL ATTEMPTS TO REMEDY THE SITUATION AND HAS RESULTED IN NEGELECTING TO CHANGE THE INFORMATION TO SOLIDIFY THE CORRECT INFORMATION. XXXX XXXX HAS DOCUMENTED ON ACCOUNT 2 LATE PAYMENTS TO OCCUR IN THE MONTHS OF XXXX XXXX XXXX XXXX WHICH IS INCORRECT DUE TO THE NULLIFICATION OF CREDIT STATUS PENDING DISPUTE OBLIGATIONS AS PER THE AGREEMENT. XXXX XXXX HAS ALSO BEEN AS BIAS AS TO REJECT MY APPLICATION FOR CREDIT INCREASE GIVEN THE FACT MY PAYMENT HISTORY IS MAGNIFICENT OTHERWISE BUT WISHES TO RECUSE ME OF ANY BENEFITS CONSIDERED. AFTER PROVIDING REFERALS WITH NO CONSIDERABLE ACCREDIDATION OR AFRIMATIVE REWARD XXXX XXXX HAS ILLICITLY BEEN DISPARAGING MY CREDITWORTHINESS AND HAS BEEN BADGERING MY WORTH CONSIDERABLY WITH INCORRECT REPORTING AND DENYAL OF BENIFITS. XXXX XXXX FAILS TO MAINTAIN UPDATED CREDIT REPORTING STATUS ON APP AS WELL AS FAILURE TO APPLY EXPRESS PAYMENT BENEFITS TO ACCOUNT IN TIMELY MANOR AND THIS AFTER RECEIVING PAYMENT IN FULL FOR A SERVICE NOT RENDERED AS EQUIVALENT AS PER STATED.

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 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Adverse Action was taken against the consumer. 

I the consumer and natural person was denied credit by XXXX XXXX XXXX when I applied for a Auto laon for extension of credit.. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2022-12-20
Company: Experian Information Solutions 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:
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 Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX, I called to cancel my citi credit card. I had a balance on my card. I have always made my payments by mail, with a personal check. On XX/XX/XXXX, I contacted CITI CARDS, and requested my final bill. They sent ma an Email, stating, that I should make the payment on line. I informed them that, I have always made my payments by mail with a personal check. They, CITI CARDS, has been sending me a bill in the mail ever since I opened the account. I made several phone calls, requesting my bill by mail, as usual. They ignored me. In XXXX, I started receiving E-mails, stating that, my bill is past due, and they are charging me late fees and interest, in the amount of {$31.00}. I have never made a late payment, and I always pay my bills in full, and on time. I think it's unjust, to deliberately delay my bills, and the charge me late fees.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2023-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to file a formal complaint against Experian, a XXXX XXXX XXXX XXXX, for their failure to respond to my debt validation request within the mandated 30-day period, as required by the Fair Credit Reporting Act ( FCRA ). Experian 's non-compliance has infringed upon my consumer rights and caused significant distress. 

On XX/XX/2023, I sent a debt validation request to Experian concerning inaccurate information on my credit report. As a consumer, I have the right, under the FCRA, to dispute any information I believe to be inaccurate or incomplete. Accordingly, Experian is obligated to conduct a prompt and reasonable investigation into my dispute, ensuring the accuracy of the information they maintain. 

Despite my adherence to the prescribed procedures and providing all necessary information, Experian has failed to acknowledge receipt of my debt validation request or initiate an investigation within the legally mandated 30-day period. This failure to respond is a clear violation of the FCRA and is detrimental to my consumer rights.

By not responding within the allotted time, Experian has denied me the opportunity to correct inaccuracies on my credit report, causing unwarranted harm to my financial standing and overall lifestyle. The inaccurate reporting has adversely affected my ability to secure credit, obtain reasonable interest rates, and pursue various financial opportunities.

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 2023-01-06
Company: EQUIFAX, INC.
State: AZ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-03
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Under the FDCPA -The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p - '' The FDCPA prohibits debt collectors from making false statements about the character, amount, or legal status of your debt '' Hunter Warfield , Inc. have repeatedly REFUSED to provide legal status or verify this debt despite repeated requests. 
I moved out of XXXX XXXX XXXX after refusing to be strong-armed into paying an additional {$600.00} in " Late Fees '' as it was not in my legal lease ( copy of the lease is still in my possession ). I have written XXXX XXXX who continues to state they have no knowledge of the amount that is being pursued on their behalf by Hunter Warfield.

When redirected to Hunter Warfield, they are consistently refusing to remove the debt while violating the FDCPA by NOT BEING ABLE TO PROVIDE " details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent or any legal documentation that I owe this debt. '' In addition, they have yet to forward details about their authority to collect this debt : whether they are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 
Lastly, since they are contacting me from outside my state they have not provided the licensing information from their state. In reading reviews across the web, denial and deflecting are their trademark behaviors. They do not provide proof as they do not have any legal legitimate proof of the debts for which they are collecting. It is their business practice to strong arm consumers into paying debt for amounts they clearly do not owe. 

It is time to stop this unlawful practice and hold Hunter Wakefield accountable. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: OK
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 XXXX I reached out to XXXX, Equifax, and XXXX and talked to XXXX from XXXX, XXXX from Equifax, and XXXX from XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TriVerity, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It happened around XXXX of XXXX I received a letter in the mail on the XXXX of XXXX about a change of address for a credit union, XXXX XXXX XXXX XXXXXXXX XXXX. I called the company to let them know that I do not have an account with them. There security department was supposed to get in touch with me about the account, but they never did. The next time I call they said they were not allowed to give out any information but wanted me to give them my information to see if it matches what they had in their records. 
Later I received in the mail paperwork from, debt collection company, TriVerity, saying they trying to collect a debt for XXXX XXXX XXXXXXXX XXXX XXXX. I have XXXX XXXX XXXX and when I call about this, they said it was probably a scam and to ignore it. I did until they call me and sent some more paperwork from TriVerity again. I recalled XXXX to tell them again and they told me to call XXXX XXXX XXXX XXXX to get records they supposed to have on me, but they refuse saying there are not allowed to give out the information. 
I am in the process now of taking steps to get them to leave me along and get this off my credit and see what else is being done in my name. 
The account on the paperwork from TriVerity is Reference XXXX, account # XXXX

Company response to consumer: Closed with explanation