BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
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. 

UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05
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:
There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX AMT {$1200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX AMT {$310.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: TX
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 do not agree with the payment history on account XXXX  XXXX, XXXX. 
15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 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. 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA, has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$400.00} which is incorrect, I do not owe them anything. 
XXXX XXXX XXXX XXXX XXXX told me that as long as I pay them {$400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owe them money, and this is a collection to collect a debt. 
XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. 
XX/XX/XXXX COLLECTION BUREAU OF A XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$400.00} I would like XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA to immediately do the right thing by contacting each of the credit  bureaus and telling them to report the accurate information As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions COLLECTION BUREAU OF AMERICA/ XXXX XXXX XXXX XXXX XXXX XXXX having on my life. 
Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Since I listed a used iphone for sale on XXXX XX/XX/22, two buyers contacted me, keep asking me to pay or purchase more. XXXX XXXX tried to scam me with XXXX. I quit contacting him once I figured out something wrong with my bank advice. The second one, XXXX XXXX XXXX XXXX ( name on XXXX ), wanted to pay me with Venmo. She sent {$200.00} to me, but Venmo Support transaction administrator XXXX XXXX emailed me saying they had problems to credit it to me as my account was not a business user, and I had to expand my limit by sending the buyer additional {$300.00}. As soon as this is done they will credit {$500.00} plus {$50.00} compensation fee to me from Venmo. I send {$300.00} via XXXX to XXXX XXXX, her relative, at buyer 's request, but after anxiously waiting for the refund transaction hours, I got another email from XXXX XXXX, saying there's a problem to proceed it, I had to buy {$300.00} gift cards of XXXX from XXXX for the buyer, promising all would be paid back to me afterwards. Nope again. Early in the morning XX/XX/22, I got another email saying they discovered my account won't be able to receive the pending fund of {$550.00}, and they can only deposit {$1000.00} into my account. Before they could do it I was required to get gift cards or Bitcoin worth {$500.00}, and I had to do it within 2 hours, otherwise the whole thing would be terminated and all my money would be gone. The buyer also pushed me to take actions to avoid losing money for both of us. I questioned XXXX and the buyer, and they all said it was safe and I was protected. Under pressure I went to XXXX and got {$500.00} gift cards of XXXX XXXX ( 2x {$200.00}, 1x {$100.00} ). I thought this was the end of all the headaches, and I was wrong. XXXX 's email said they discovered {$300.00} of the gift cards was invalid and I need to purchase another {$300.00} gift cards quickly. At this point I was certain I was scammed, not just by Venmo 's XXXX XXXX, but by the buyer too. They cooperated to fool me scam me. I regret I didn't wake up sooner. Now I lost {$1100.00} cash ( {$300.00} XXXX, {$300.00} gift cards, {$500.00} gift cards ) plus my mailed out iphone {$200.00}. I saved all the emails between Venmo and me, proof of my payment via XXXX, receipts of gift cards, ups shipping receipt, etc. Please find out those online scammers, punish them and alert the public. I am afraid my money is gone for good, of course I would be overjoyed to get it back. Your time and dedication to the justices are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I terminated my lease 6 months early with BMW Financial Services by paying the remaining lease payment obligations, returning the car in excellent conditions with brand new run-flat tires and XXXX lower than allowed miles. 
BMW accepted my payment and a month later sent me an {$850.00} invoice for two tires at {$300.00} each and interior miscellaneous charges not identified during the vehicle return inspection. They claim that the run-flat tires I installed in the vehicle, while new and " run-flats '' are not the OEM tires they use so I would get {$0.00} credit for the excellent condition / new run flats I installed. They also indicated I would not get any credit for the XXXX lower miles. 
These charges are egregious and do not reflect the economic damage or loss BMW would suffer by accepting a car with lower than allowed milage and brand new run flat tires that are not OEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: PA
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:
Credit Bureaus have errors on my credit file as address phone numbers phone numbers and incorrect amounts owed on credit cards. 

Contacted the bureau to mail me a copy but seems the run around getting a full credit report.

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:
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 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 2023-05-13
Company: EQUIFAX, INC.
State: TX
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 remove the following account from my credit report due to the agreement that I had with the creditor that once paid it would be deleted. The account is XXXX XXXX. I have already informed the credit bureaus that this account was supposed to be removed in XXXX. This is my final request before I report this issue to the XXXX  and possibly seek legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: CITIBANK, N.A.
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:
I rented a property where my tenant took pictures of my credit cards back and front, driver icense, and social seurity. they open account, and use exciting account to buy unotherized items. 
I have file dispute with the credit card company, credit bureau, including providing police report and claiming identy thef. They have refuse to clear my accounts. They continue to report late payment and charge off some account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not obtain a job, can not apply for credit, and can not obtain a SBA loan due to the pandemic. Under this crisis, you have hurt my ability to use my credit.

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 2020-02-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

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 ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX  XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX  XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX   XXXX | XXXXN/AInaccurate XXXX XXXX ( Original Creditor : 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 XXXX  | XXXXN/AInaccurate XXXX  XXXX XXXX  | XXXXN/AInaccurate XXXX  XXXX XXXX  | XXXXN/AInaccurate XXXX   | XXXXN/AInaccurate XXXX  XXXX  | XXXXN/AInaccurate XXXX   XXXX  XXXX XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX XXXX  | XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX-XXXX  | XXXXN/AInaccurate XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: NV
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 am writing to dispute the accuracy of the information in my credit report with your agency. Pursuant to Section 604 of the 15 U.S. Code 1681B, I am entitled to a fair and accurate credit report. After reviewing my credit reports from all three credit bureaus, I have identified several errors which are detailed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
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 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