BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: EQUIFAX, 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:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to immediately correct a late open account on my credit report. I believe there may be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. 

As a responsible consumer, I have been meticulously managing my financial obligations and monitoring my credit report to ensure its accuracy. However, over the past several months, I have noticed several erroneous attempts by your organization to correct a late open account on my credit report without my consent. 

I would like to clarify that the late open account in question is indeed accurate, as it represents a past financial issue. While I understand the importance of rectifying any inaccuracies on my credit report, this late open account is a true reflection of my financial history and should not be corrected without proper evaluation. 

I kindly request the following actions to be taken : Cease all further attempts to correct the late open account on my credit report until this matter is resolved. 

Provide a detailed explanation of the reasons for these numerous correction attempts and any documentation supporting your claims. 

Review and assess the accuracy of the late open account, ensuring that it is based on verifiable information and in compliance with all applicable laws and regulations. 

Immediately rectify any inaccuracies or errors related to my credit report that may have arisen from these correction attempts. 

Provide written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I firmly believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. I am asking for your assistance to correct the late open account in my credit file : XXXX XXXX XXXX  Balance Owed : {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: MN
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 submitted a dispute request proof of debt on XX/XX/XXXX and XX/XX/2023XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: IL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
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 the event the parties fail to comply, as the consumer, I hereby reserve the rights to sue both parties for willful and negligent non-compliance in federal court under the law. Furthermore, I bring this matter to the Consumer Financial Protection Bureau ( CFPB ) to further investigate this company and all of their non-compliance of consumer laws in my previous complaint ( s ). This company is causing intentional infliction of emotional distress, defamation, humiliation, and I reserve the right to sue at any time for non-compliance of this matter. 

Additionally, I am officially and immediately rescinding any assumed authorization, whether verbal, non-verbal, written, or non-written, related to reporting the transaction information under my account. 

Thank you, Best regards. 
XXXX, XXXX ( TTEE ), UCC 1-308 All rights reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
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: Personal information incorrect

Complaint:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: Hillcrest Davidson & Associates
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A representative who identified himself as XXXX ext. XXXX called my cell at XXXX Central on XX/XX/20 from a phone number of XXXX. The representative became very pushy when I told him I would settle the account on XX/XX/XXXX for a settlement amount of roughly {$1100.00} & a deletion letter. After becoming very rude I told him the hard sell approach doesn't work with me & I would make it a point to pay another representative to ensure he doesn't get the commission. He proceeded to tell me he'd be moving the account into his name & whenever I call in I'd have to speak with him. He then terminated the call. I called a second time at XXXX and he answered & hung up on me again. I called a 3rd time at XXXX spoke to a representative who identified herself as XXXX . I requested she note my account that the last representative was very rude & that I'd like to make a formal complaint. I was informed XXXX was a manager there and that she didn't want to " get in trouble ''. I requested to be transferred to the Human Resources department & she agreed. I was then transferred to XXXX again and from there proceeded to tell me unless I'm ready to make a payment there was " nothing to talk about ''. He proceeded to hang up on me for the 3rd time. I called a fourth time I spoke with a male representative who I asked to transfer me to the customer service department. The representative put me on hold, and XXXX again got on the call. He told me human resources doesn't speak with anyone externally & that he handles all the complaints for the entire company. He told me there was no way to file a formal complaint but to tell him what happened. To say the least this was very unprofessional. I feel the way he screamed my social security number & date of birth was very concerning. I feel that I was denied the opportunity to file a proper complaint. I feel I was verbally abused on this phone call while I was at work. I'm concerned that other employees refused to transfer me to any other employee. I understand collections is tough but the fact that a manager is allowed to conduct himself this way on a call is alarming. Obviously there is a lack of training, I only gave him 2 objections before his melt down. His rebuttal to requesting a call back on XX/XX/XXXX was " Why? ". I suggest he role play more & also someone play the call back for him that generally helps. I hope this reaches someone internally who will hold him accountable. These are challenging times in our country, you guys are calling people with real problems. We don't need to be berated by a telephone tough guy on top of everything else. Hope you guys handle this internally because it's the right thing. But if not do it because this guy is not very good at his job, he should be in a training class not managing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/23 I purchased a US Bank {$500.00} gift card from XXXX. The magnetic stripe was unreadable at both merchants I tried. I immediately called US Bank & asked for a replacement card. I received the replacement card today XX/XX/23 but the balance is XXXX dollars. I called US Bank again today & discovered there was a fraudulent charge of {$500.00} at a XXXX in XXXX, Mississippi on XX/XX/23. I live in XXXX, Tennessee & have never been to XXXX, Mississippi. 

US Bank says it will look into the matter & respond within 90 days. This is an inadequate & much too slow response.

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 2021-07-19
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX  I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: USI Solutions Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 about XXXX Debt collectors from USI Solutions in PA XXXX XXXX called my father in law asking for XXXX XXXX then asked for XXXX ( my wife ). XXXX and I both recd phone calls with voicemails from XXXX XXXX. XXXX called back XXXX was trying to collect old debt from over 10 yrs ago that was paid off. XXXX then transferred the call to XXXX XXXX claiming to be the regional manager.  XXXX right away tried to collect {$1000.00} to settle already paid debt. He said this was from when the economy dropped. He had no information and said the attorneys office where I paid was closed. I have no record of this on my credit report in bad debt. He said it could hurt my credit if I dont resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-04
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reached out to chime regarding a plethora of unauthorized charges that transpired when my purse/phone was stolen around XX/XX/XXXX I had been inpatient hospitalized thereafter so did not realize the charges that had been fraudulently charged and the charges occurred due to the fact my card is attached to my XXXX XXXX and other accounts so there were over 30 charges some duplicates in which I immediately notified chime when I was released from the hospital to inform them XX/XX/XXXX they then opened 3 different disputes to include the charges as some was still pending claim # XXXX, XXXX - XXXX totaling over {$1500.00} as some charges were still pending when I reported it so they advised I would have to wait on those to clear. I attached my police report and I had also cancelled the debit card and they waited until 9 days when it was time to extend the provisional credit to advised my disputes were closed and nothing found which was a lie, and truthfully I know they did not research nor investigate as they have had a plethora of complaints and was sued for this very issue, or without investigating and penalizing the customer by closing accounts and keeping money. I did not authorized these transactions and would like my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
Remove all the accounts that dont belong to me at all immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: Midwest Recovery Systems
State: TX
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:
Midwest Recovery Systems has reported an account in collection to all 3 credit bureau in the amount of {$1200.00}, from an alleged payday loan with XXXX XXXX XXXX   from XXXX. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ( Texas ) ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/, An address that does not belong to me appeared on my credit report. 

On XX/XX/, the following accounts were added to my credit report : XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$440.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: TN
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:
n 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company XXXX XXXX XXXX XXXX  # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting inaccurate information on my credit report. 


15 usc 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief