BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX  I submitted by mail a hand written dispute with documentation directly from XXXX XXXX regarding the reporting balance. XXXX XXXX provided me documents of my loan balances to submit for the dispute. My credit bureaus have fraud alerts and are frozen due to past identity theft. I requested for the bureau to either correctly update the balance information or DELETE it due to inaccurate reporting per my FCRA rights. The company continues to report the same information even though proof has been provided. They are reporting two balances, {$94000.00} and the accurate balance is {$71000.00} and another amount of {$3300.00} and the balance is {$2700.00} per the supporting documents directly from XXXX XXXX. I have as of today spoken to two representatives and to no avail any mutual understanding. They continue to insist to continue disputing even though it has been done several times before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: EQUIFAX, INC.
State: CO
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:
Today, Im filing 2 separate complaints regarding Equifaxs continued violations of my rights under the FCRA. Following is my first complaint : On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX shows that my letter was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 1 of 2 was a Method of Verification letter ( please see attached ) to Equifax regarding my previous disputes of 2 alleged dismissed bankruptcies theyre reporting on my credit report. As afforded by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA Section 611 ( a ) ( 7 ), my Method of Verification letter requested Equifax provide 1. The name of the original creditor ; 2. The creditors address and telephone number ; 3. The name of the person who verified your information ; and 4. The  documentation used to verify the dispute NOT LATER THAN 15 DAYS FROM RECEIPT OF MY REQUEST. To date, Equifax has not provided the information requested and continues to report this unverified information on my credit report. Because of their failure to respond and continued violation of my rights under the FCRA, I expressed mailed a notarized Affidavit of Intent to Sue regarding this matter ( please see attached ). Equifax received my Affidavit on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MA
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, Equifax, and XXXX did not investigate my dispute. The error keeps coming back verified. I asked them how they went about verifying the account and who they spoke to. I never received a response. 
I have all the documents that they need to delete the account that does not belong to me off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been disputing items on my credit report without any response or update from the credit bureaus. My rights have been violated and I should be compensated for their neglect to do a timely investigation per the FCRA.

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 2023-02-27
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cashnet USA account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and Cashnet USA needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery is suing me in XXXX XXXX XXXX XXXX XXXX ( Ohio ), on a debt that I requested validation for. They did not validate the debt, they just sued. The suit amount is well below the level for a small claims case here, yet they filed in XXXX XXXX in order to make pleading and responding more difficult without the help of a lawyer. 

I am XXXX and I told them to cease and desist calling my number, because I was XXXX I wanted all communications in writing, and the calls served only to harass me. 

They have continued to call me even after filing this lawsuit. I wrote their attorney twice telling him to instruct his client to cease and desist contacting me by telephone. 

The calls have not stopped. 

Among other FDCPA violations, they have continued to park the debt on my credit report even though I have disputed it, and its involved in pending litigation! 

The attorney will not provide the forward flow agreement, the statement attached to the lawsuit shows a supposed payment on the account THAT I DID NOT MAKE. Portfolio Recovery is facing a class action lawsuit in Illinois for this very thing, indicating a payment when none was made in order to re age accounts, attempt to prove a contract on account. 

Further they mail all their letters from a place in California. This is a mail house. They have transmitted my data including things like my social security number to this third party in violation of the FDCPA ( see the recent 11th Circuit decision ). 

Their bullying litigation tactics to force me to pay a debt they refuse to validate ( suing in a higher court, re aging accounts, parking the debt on my credit report, continued telephone harassment after filing suit ) all violate the spirit and the intent of the XXXX  consent decree they entered with you. 

Their attorney will not communicate with me, but continues to forward the case, refusing arbitration which the contract attached to the lawsuit specifically prescribed. I do not believe I am receiving fair treatment in this court PRA chose, as the most recent denial of a motion to compel arbitration was entirely ghost written by this attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I just received new credit reports from XXXX, Equifax and XXXX. All 3 have inquiries that I did not authorize. I have called some of the companies and they told me to get with the CRAs to remove them. The CRAs are neglecting to remove the inquiries, stating that they are Factual. If they are factual show me my ohisical signature authorizing each of those companies to review my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Capital Link Management, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX is harassing 's me and my family members. 
They call me several times daily. They call my work, my family members. 
They have violated the FDCPA act as they called my Son on XXXX and told him personal information such as the amount of money that they say is owed and that i won't pay them. I called them stated that I am not aware of this debt and requested any and all contact to me should be in writing. The person that I spoke to started cursing at me stated that I don't pay my bills. Today XXXX I received a text stating what they say I owe and trying to reduce the debt by a settlement. They then proceeded to send that exact same text to my other son. So again the violated the FDCPA act. 

I have sent an email to them disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX, along with their solar panels, have been attempting to make me pay for equipment that doesn't work. I had solar panels installed around XXXX and the panels have not worked correctly since installation. XXXX attempted to address the issue several times, but not that they did worked. The replaced the equipment twice, went on my roof to adjust or fix the panels, as there was water and debris, at one point, preventing the panels from working per one of their technicians. The other times, the electric company came out with XXXX to determine if the electrical equipment was syncing with the XXXX equipment per the solar panels. The electric company ( XXXX ) replaced their equipment and XXXX, supposedly, addressed their equipment, but my electric bill ( regardless of the amount of sun, as my home gets a tremendous amount of sun ) is still extremely high. XXXX verified that there was nothing coming from the panels, which is/was the reason my electric bill has remained, mostly, the same since the solar panels were installed. XXXX 's equipment is faulty and I should not be made to pay for equipment that does not work. With that, the security system stopped working properly, to include the door lock equipment, as it phased out per their technician. I was told in order to continue to receive proper services, I would have to purchase all new equipment, which would have cost over {$900.00}. I asked to have the battery holder for the door lock replaced, they sent a battery holder that didn't fit and then told me that the door lock I have phased out. To me, in order to continue to make money, XXXX 's equipment stops working after a couple of years and then customers, unless they transfer to a better servicer, are made to purchase new equipment. This is a rip off and needs to be addressed properly once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the XXXX XXXX XXXX XXXX account against Equifax, they are falsely stating the date of the last payment, they are also not providing the date of the first delinquency. That report is not complete, they must investigate and not just repeat what the collection agency tells them. I ask that they be removed from my report until the information is clarified. If the collection agency does not send the information, I am not obligated to pay, precisely because the information is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
USBank sold the credit card we had through them to another bank. Then, they sent a notice that the type of checking account we had with them would start incurring monthly fees because we no longer had a credit card with them. When we called customer service we were told that they were launching a new checking account type that would waive the fees with direct deposit and we were told our account would get changed to the new account type ( " Smartly checking '' ) so no fees would be charged. 

Today I discover they have been charging a XXXX monthly fee since XXXX of this year, 5 fees, totaling XXXX Customer service partially addressed the problem and refunded the last 3 of those fees but refuse to remedy the other 2 fees ( XXXX XXXX ). Customer service says they can not fix more than 3 months and when asked, they say there is no one at the bank who can authorize more than 3 corrections. 

net result : USbank has charged us XXXX in inappropriate and unauthorized fees that they refuse to correct under the guise of a customer service policy to not refund fees charged more then 3 months ago.

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 2018-11-10
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a loan and escrow account with Huntington bank. I recently found out that there are two insurance policies wrongly attached to my loan so I got a double charges which cause a shortage in my escrow account. I have talked to my loan initiator XXXX XXXX ( phone is XXXX and email is XXXX ) who said the 2nd policy will be removed from my loan within SLA XXXX hours but it didn't happen for the first time then made 2nd request still didnt happen. They violates SLA twice back to back. I called XXXX XXXX XXXX ( XXXX ) directly. A representative XXXX took my call and promised to call me back but never did. 
I raised the issue in XXXX now XXXX month has been gone, still nothing is resolved ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of BLATANT identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 
XXXX XXXX -transunionXXXX  XX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXtransunionXXXX  XX/XX/XXXX XXXX XXXX XXXXtransunion/XXXX  XX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX CA -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XX/XX/XXXXXXXX XXXX XXXX  -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX XXXX -transunion/XXXX XX/XX/XXXX XXXX -transunionXXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXtransunion/XXXX XXXXXX/XX/XXXX XXXX XXXX -transunion/XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX XX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXtransunionXXXX  XX/XX/XXXX XXXX -transunionXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -transunionXXXX XX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX -transunionXXXX  XX/XX/XXXX XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXXN -transunionXXXX XX/XX/XXXX XXXXXXXX XXXX  -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX  XX/XX/XXXX XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXX XXXX -transunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX -transunion/XXXX XXXX XXXX XXXX XXXX XXXX XXXXtransunion/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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 : Account Name : XXXX XXXX Account Number : 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.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Activity on Credit Report Pursuant to 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to dispute fraudulent activity on my credit report in accordance with the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently pulled my credit report as part of the process of purchasing a house and discovered discrepancies that require your urgent attention. 
The following discrepancies involve accounts that were not verified, and I am seeking your assistance in having these inaccuracies rectified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not verified, and I believe they are the result of fraudulent activity. I have attached documentation supporting my claim, and I request your immediate investigation into this matter. According to 15 U.S.C. 1681, I am entitled to accurate and verifiable information on my credit report, and any discrepancies or fraudulent entries must be promptly addressed. 
I kindly request that the aforementioned companies be removed from my credit report following a thorough investigation. This dispute is crucial for my ability to secure a mortgage for the purchase of a home, and I trust that you will treat this matter with the urgency it requires. 
Please inform me of any further steps I need to take or provide any additional information necessary to facilitate the resolution of this dispute. I appreciate your attention to this matter and look forward to a prompt resolution. 
Thank you,

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