BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

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 2023-09-12
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and EQUIFAX other fraud has been committed under my name. XXXX and XXXX have already removed this item from my report so Im asking for EQUIFAX to remove this item immediately Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). Although they sent debt collection notice and verification. They have failed to properly validate the debt is mine with a contract bearing my signature and the license number to collect in my state. By XX/XX/XXXX which was the deadline to the 30 day validation window. I would like Transunion to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )

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 2021-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an old closed Kohls credit card that I am having trouble getting removed from my credit report. I sent the company a letter asking for removal and also filed a dispute with XXXX dated XX/XX/XXXX about this issue. Instead of the dispute resolving it they updated my account as " no data '' for the past two and a half years and restarted the charge off clock on this debt. I have accepted the debt and paid it back in XXXX as shown in the screenshots of payment months for this account. I don't understand why it's being restarted and why its still on my account to begin with as the account is paid and over 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
General Counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to you in accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to dispute certain information contained in my credit report. 

I am disputing the accuracy and completeness of the accounts listed below. 

I have recently obtained a copy of my credit report from XXXX and have found that it contains inaccurate information. Specifically, unauthorized inquiries on my report, because I did not make or authorize these inquiries. My credit report and denial letters are evidence of the inaccuracies. The inaccurate inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681i ( a ), I am requesting that XXXX conduct a reasonable investigation into the disputed information and correct any inaccuracies found. I also request that you provide me with written confirmation of any corrections made to my credit report. 

In addition, if any of the disputed information relates to a debt that is being collected by a third-party debt collector, I request that you notify the debt collector of my dispute in accordance with 15 U.S.C. 1692e ( 8 ).

If this matter is not resolved to my satisfaction, I may be forced to consider further action, including initiating arbitration proceedings in accordance with XXXXXXXX XXXX arbitration program. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions 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:
My credit report is showing late payments on XXXX XXXX XXXXXXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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: Personal information incorrect

Complaint:
XXXX was paid in full. They hired XXXX XXXX  to report to the three major credit bureaus tthat my account is overdue in payments. The history is inaccurate.. This account is paid. XXXX is reporting to XXXX  Equifax and XXXX inaccurate history and status. This account is old and was resolved years ago so now this fraudulent reporting must end. The account is paid and it should say that. It's been years since I paid this .XXXX  The status is inaccurate. Iam attempting to resolve this before taking legal action. This practice is infair and staines my future financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Account information incorrect

Complaint:
I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. 

In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls fromXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: AZ
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX  XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$36.00} XXXX  XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on 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 explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false andincomplete information. Please delete this item within the allowing timeframe pursuant FCRA. 
ACCOUNT NUMBER : XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information. 

XXXX XXXX Without prejudice, all natural inalienable rights reserved.

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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2023-07-02
Company: EQUIFAX, INC.
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:
My personal info was used without my permission to open fraudulent accounts, unauthorized, credit inquiries and unknown residential addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
When XXXX XXXX XXXX  closed, I quickly transferred all of my money to my only other open bank account at Marcus by Goldman Sachs. My Marcus account was my emergency fund, so I needed to set up a new checking/savings account elsewhere for direct deposit of paychecks, paying bills, and paying rent. I set up a free checking and savings account with XXXX. When I went to online transfer or wire transfer my funds from Marcus to XXXX, I was hit with error messages. 

An online chat with a Marcus representative told me that they do not support Marcus, and that they could mail me a check or I would need to open another checking/savings account. They could not provide me with a list of banks that they do or do not support. They instead told me to choose Bank XXXX XXXX, XXXX, or XXXX XXXX and compared XXXX to a XXXX account. They said that they do not support online banks. Then they said that they support XXXX XXXX, which is an online bank. 

I am so frustrated and confused at this situation. Why can't a financial institution wire money to another financial institution? I don't want to miss paying my bills or rent, but I don't know what to do. My next step is to transfer my money out of Marcus and close that account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Carter-Young, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I live in Washington XXXX DC. In 2018, while my son was attending XXXX XXXX, he asked me to cosign an apartment for him. I agreed to do so, and electronically signed an agreement with XXXXXXXX XXXX XXXX XXXX XXXX in XXXX SC on or about XX/XX/2018. However, after researching rent rates in the area, my son decided not to take the apartment. While checking my credit last year, I noticed a debt for XXXX owed to Carter-Young Associates . Once I discovered the mark on my credit report, I reached out to the Apartments first. Apparently they have charged me 2 months rent even though neither of us have never set foot in their apartment. As far as I know, he never even put down a deposit. When I expressed my displeasure with this policy, they referred me to Carter Young and stopped taking my phone calls. It feels as though I am being taken advantage of. They have to know a college student wouldn't be able to afford these rates. It seems they are charging the same price as a 2 bedroom apartment for a room. My agreeing to cosign was contingent upon my son accepting the apartment. If he doesn't take it, how are either of us still responsible for rent? I could understand some type of cancellation fee, but 2 months rent is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reported identity theft fraud to XXXX XXXX XXXX XXXXXXXX and they refuse to remove the fraud from my name and from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 Section 604 A Section 2 : As a consumer Equifax/ reporting agency can not furnish an account without my written instructions. YOU DO NOT have my permission. 

Please DELETE ALL HARD INQUIRIES and accounts that are reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: HANCOCK WHITNEY BANK
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX, on XX/XX/2019, and was in a car accident on XX/XX/2019, ( making my 1st payment not due until XX/XX/2019, which was after the accident ). My car was deemed a total loss in XXXX and although I technically wasn't responsible for any payments following the accident, I was told by my GAP insurance, to still make the payment so that my account doesn't default, and that I would get that payment back, because my account will reflect as being over paid after they pay off the loan. Hancock and XXXX XXXX came to an agreement early on, when the guarantee of title was discussed, so after that, it was beyond my control of what their policies and procedures were. I do know that it typically takes 30 days to resolve a total loss claim, and I had no desire in paying more than 1 payment for a vehicle that I barely had a month and could no longer use, especially for {$660.00}. I do believe that if I wasn't so hands on with my account, the claim would still be ongoing. I can show emails to support this as well. I have been calling Hancock every week, sometimes several days per week since the very beginning, up until sometime last week about this issue. I also went into a branch to see if someone could explain to me in person where my money had gone, and like everyone else, she couldn't even tell me. I made 1 payment in the amount of {$660.00} and I have yet to receive any of it back. The payoff amount before GAP made any payments because there were 2, was {$7000.00}, which I have several documents to support this. From what I can see, apparently, 1 of the payments from GAP were reversed and made into a regular payment instead of a curtailment like the other payment, and charged interest. By doing this, it ate up the payment I made out of pocket, and they kept it. When I saw the payments from GAP in my account, I called Hancock to discuss the overpayment at that time, and one of the reps told me to call back in a few days when my account has updated. When I tried to view my account prior to calling, I could log in, but it had been wiped clean. Luckily for me, I had printed it before they deleted everything! I have been stressed dealing with the aftermath of the accident alone, and now I am beyond stressed for what is actually mine! My credit has suffered as a result of this entire mess, and I am out of money that I did not have to pay and I'm hearing that I should not have paid if they knew my vehicle was totaled and I had GAP insurance in place! I spoke to 2 supervisors ( XXXX and XXXX ). I never received a call back from XXXX and XXXX has stopped responding.

Company response to consumer: Closed with explanation