BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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:
SOMEONES BEEN USING MY PERSONAL INFORMATION APPLYING FOR CREDIT AND USING MY NAME FOR MEDICAL PURPOSES I CONTACTED TRANS UNION, XXXX  AND XXXX TO UPDATE MY PROFILE THEY HAVE YET TO DO SO ... ATTACH IS MY REPORT ON ALL INQUIRES AND FRAUDULENT ACCOUNTS

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 2023-09-25
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: OH
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Upon viewing my most recent consumer report, I saw a bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: CT
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:
From XXXX I was in an XXXX  relationship I got scammed and I had multiple data preaches where my information was exposed my information was used to look for and obtain loans for cars by scammers who said they were going to help me start a car rental business they kept the cars and got insurance in my name and nothing was paid for my abuser had me open credit cards and different accounts that he said he would pay for and put fake checks in my bank accounts and took the money he stole and control my money and I was unable to pay any of my bills resulting in homeless debt and financial ruin I had to go into a domestic violence shelter in order to get help and get away from my abuser. Also my personal information was exposed in multiple data preaches. The car loans were XXXX XXXX dealer services XX/XX/XXXX in the amount of {$37000.00} XXXX  XXXX XXXX XX/XX/XXXX in the amount of {$37000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of {$30000.00} XXXX XXXX XX/XX/XXXX in the amount of {$29000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX {$4000.00} capital XXXX XX/XX/XXXX {$1000.00} collection for XXXX XX/XX/XXXX credit collection services XX/XX/XXXX {$630.00} XXXX XXXX XXXX XX/XX/XXXX {$770.00} and inquiries to my credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX I have been working with a victims advocate XXXX XXXX XXXX XXXX I filed a police report about the abuse at XXXX police department and I was in XXXX domestic XXXX shelter and I am starting disputes with the creditors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXXInaccurate XXXX XXXXN/AInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment.

Inquiries : XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX  XXXX  |XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate Also, the only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed below and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account 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
Consumer complaint received 2020-02-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXXInaccurate XXXX XXXXN/AInaccurate   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX  XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate Also, the only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed below and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

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 2023-06-26
Company: Experian Information Solutions 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:
I am not liable for this debt XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.

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 2022-10-31
Company: Experian Information Solutions Inc.
State: RI
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:
To whom it may concern, My name is XXXX XXXX and I am writing to you to express my deepest request for support with a issue that I have had going back-and-forth for sometime now that has yet to be resolved. During XXXX I was XXXX  and when I was released in XXXX I realize that there was something on my credit report that I tried to dispute multiple times. Every time I have tried to dispute the debt, Experian updates or changes the consumer name, not providing any updated contact information, phone number or otherwise. XXXX XXXX XXXX have already erased this debt from my credit report completely. 
The last time I tried to dispute it with the prior third party company, I was told me that there no debt in my name, no information or recollection for them to confirm that I owe the debt. At that time I thought that this was going to be resolved as it is some type of fraud or mistake. Yet now we are here in XXXX almost 7 years later, with the same outstanding debt on my credit. Several months ago when I contacted the third-party debt collector as I mentioned before they explained that I did not have an account, now look at my credit again and they have changed/updated the name of the company WITHOUT AN updated balance, theres no phone number, theres no company address and theres no starting debt amount. Yet Experian continues to keep us on my credit report. This is affecting my ability to purchase a home, apply for car, insurance find suitable housing, and or employment. Now they have no phone number or identifiable information for me to dispute this information with whatever company this is supposedly belonging to each third-party that has picking up the stat has told me that there is no information. Yet Experian keeps this on my credit for affecting my life overall. Attached is the original documents that Experian listed and then updated showing inconsistencies with account name, account number, balance start/ending & contact information.

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 2023-06-09
Company: Hertzmark, Crean & Lahey, LLP.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2023, I rented a XXXX car. After waiting hours for a car that I prepaid for, I got to the registration. While getting the rental car, I asked the representative for car insurance to cover the car in full. The representative provided the cost and I agreed. I asked the representative if this insurance covers the car in fully. I was informed " if anything happens, you can walk away from the car and not get charged. '' I clarified again and was informed the same information. 
After returning the call, I was informed that I would need to pay for damages on the rental car. I was informed the back window was shattered. After speaking to the customer representative, XXXX. I was informed that the insurance I paid for was incorrect and that I would have to pay for the damages. I was never informed there are two different types of rental car insurance to purchase. This is considered false sales practice. I was mislead in thinking I have coverage for a rental car and paid for the service. I was never informed of the additional insurance needed to be purchased when speaking to the representative. I informed them of what I wanted and they provided the cost that I agreed to. 
XXXX calls me back and I informed her of the situation. They asked for a written letter about the situation which I provided. I was informed the situation would be review. Thereafter XXXX called me back and stated I needed to pay for the damages. She then states after disagreeing with the decision that called her out of her name. and I was disrespectful. This is false. The company misrepresented the services offered and mislead me on the service I asked for.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I purchased something with my Citi checking account in the amount of {$28.00}. Later on, I closed the account. On XX/XX/XXXX, I have not received my order and attempted to check with the merchant. I found out that the merchant has abandoned their contact. With no contact available, I highly suspect that this is potential fraud. On XX/XX/XXXX early morning, I called Citibank to dispute this transaction. Its rep informed me that because the account is closed, thus they are not able to submit any disputes.

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 2020-02-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ARS ACCOUNT RESOLUTION, has attemtped to collect a eronous debt from XXXX XXXX XXXX XXXX for {$350.00} since XX/XX/XXXX. This amount in question was paid directly to the Doctor 's office in question in late XX/XX/XXXX prior to ARS ever taking the account. I have tried mulitple times to dispute the amount in question directly with the ARS as well as disputed the charges via XXXX  and XXXX XXXX. ARS continues to show this debt/collection on my credit report negatively. They are showing and attempting to collect in error and refuse to remove this from my account. I have also advised ARS of a Cease and Desist back in XX/XX/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 2023-09-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: OH
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:
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 Account numberXXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX  XXXX Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXXXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX  Account name : Account number : has violated my rights. Or list of inquiries 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 2023-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRA has used illegal and immoral practices to attempt to collect questionable debt from me. PRA has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to PRA. I ask that they immediately cease all communication. This account should be deleted immediately.

Company response to consumer: Closed with non-monetary relief