BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: EQUIFAX, INC.
State: NJ
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 contacted Equifax on XX/XX/XXXX disputing inaccuracies on my report. I am a victim of identity theft! 
XXXX XXXX XXXX {$710.00} *XXXX XXXX XXXX {$6600.00} To date XX/XX/XXXX, Equifax failed to investigate my dispute further harming my credit accuracy. Failure to report accurate information you are in violation of FCRA 15 USC 1681 ( A ) ( 2 ). I placed a complaint with CFPD on XX/XX/XXXX ( Complaint # XXXX ). Equifax 's response on XX/XX/XXXX was : " Please be advised that an investigation with the furnisher of information has been initiated ''. It is XX/XX/XXXX and I have not received any investigation results. PLEASE REMOVE THIS INCORRECT INFORMATION FROM MY REPORTS IMMEDIATELY. YOU ARE IN DIRECT VIOLATION OF FCRA 15 USC 1681 ( a ) ( 1-4 ) ( b ). 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

YOU ARE NOT REPORTING ACCURATE INFORMATION, AND YOUR FAILURE TO COMPLY WITH ACCURATE CREDIT REPOTING IS UNFAIR. THIS IS HARMING MY REPUTATION AS THIS INFPRMATION IS INACCURATE AND DOES NOT REPRESENT THE ACCURACY OF MY CREDIT WORTHINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Arnold Scott Harris, P.C.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The number XXXX has been calling me everyday. It is the law office of Arnold Scott Harris. I called them on XX/XX/XXXX to inquire about the debt and confirmed that it wasnt mine. It alleged I had a ticket in the city of XXXX. I have not been to XXXX in the last five years. The representative informed me that they would correct this. They never did. They lied. They have relentlessly harassed me everyday and it is wrongfully impacting my credit score. I do not have this debt. They are trying to get money out of me I dont owe. They call 1-2 times a day. Because they havent stopped calling me I assume its a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: SC
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 sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: The Receivable Management Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
insurance company change price after first payment was made so i cancelled when price changed

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 2021-03-17
Company: Northland Healthcare Alliance
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
as of XX/XX/2020 i owed resource recovery as they claim i have disputed it from day one they would not provide me with the documentation i requested, my debt as they claim on XX/XX/2020 was {$810.00}, which was a lot higher than what Resource Recorvery bought the debt for, i have paid {$1000.00} to date and they still have a wage garnishment on me for over {$1200.00} which they refuse to correct this with the courts, my employer has to take that amount out of me in till that amount has been satisficed, so that means i will be paying more than double illegal i believe, and still dispute the amount they claim i owe. i never received any paper work for me to go to court to answer there claim illegal again. they tell me to call them i will not call them they tell me the same lie every time or won't tell me anything at all, how can Resource Recovery LLC, XXXX XXXX XXXX, XXXX, ny XXXX, charge me more than double of a dispute debt legally, they purposely did not send a copy of the court paper work to me so i had no chance to dispute in front of a judge, seeing it was several i had lost my chance dispute this and have it vacated now they got a default judgment, in till after said court date illegal i do believe, all i want is a fair chance i do not owe this amount and can a collection agency charge me interest on a medical debt let alone charge me 150 % interest. Resource Recovery knowingly and illegally did not provide with proper paper work in a fair and timely legal manner.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-08
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: Personal information incorrect

Complaint:
PLEASE DELETE THE ADRESS XXXX XXXX XXXX XXXX XXXX AND ANY OTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
AND PLEASE DELETE ALL OLD NAME EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
THANK YOU...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
To whom it may concern, looking at my XXXX and Transunion, it shows some derogatory accounts that do not belong to me. 
XXXX XXXX XXXX THE AMOUNT {$970.00} THIS WAS POSTED ON MY ACCOUNT XX/XX/XXXX XXXX XXXX XXXX WITH THE AMOUNT {$2200.00}. THIS WAS POSTED ON MY ACCOUNT AS OF XX/XX/XXXX 2021

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 2021-02-14
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received NOT ONE written, digital or any other form of communication regarding two recent claims submitted on my credit report. Both claims were submitted on XXXX XXXX, XXXX by a single collections Agency : PHOENIX FINANCIAL SERVIC ( stated servic, not service, on report. ) I have zero knowledge of these accounts and did not receive the services claimed, so it is impossible I owe money for services that were never rendered to me. 

I do not owe a single XXXX to either claim and will sign an affidavit under penalty of perjury stating I do not owe this money. The claim is inaccurate. I do not claim ownership now, nor will I ever. 

I do not claim the account on the basis of false and/or inaccurate information, coupled with the fact I have not received one notice or any other type of communication by this collection agency PHOENIX FINANCIAL SERVIC regarding the alleged account ( s ), ever. 

Inaccurate Claim # 1 : -Opened : XX/XX/XXXX - Alleged Open Balance : {$1300.00} -Type : Blank, not stated. 
- Remarks : Placed for Collection ( most recently XX/XX/XXXX ) - Responsibility : Individual -Original Creditor : XXXX  XXXX XXXX XXXX -- Inaccurate Claim # 2 : -Opened : XX/XX/XXXX -Alleged Open Balance : {$1100.00} -Type : Blank, not stated. 
- Remarks : Placed for Collection ( most recently XX/XX/XXXX ) - Responsibility : Individual -Original Creditor : XXXX  XXXX XXXX I researched XXXX XXXX  XXXX, who they cover, and I have not received services. The type of service on the alleged open account is not stated by the collections agency, I have never received one notice or attempted communication by XXXX XXXX XXXX, either. I do not owe a single XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a bankruptcy reporting on my credit report in the public record section and it is flawed with inaccuracies. I have disputed it several times and this credit bureaus keeps saying its verified. I even had the court send me a survey stating that they don't verify information with the credit bureaus. I don't know what else to do.. I can upload all the documents

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 2023-04-08
Company: EQUIFAX, INC.
State: FL
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. 

Account name : XXXX 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 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 2021-02-15
Company: EQUIFAX, 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 status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: LA
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:
In Accordance with the Fair Credit Reporting Act. The three credit bureaus below has violated my rights. Equifax, XXXX and XXXX. 

this is the correct info that should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: NJ
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF THE WEST
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my XXXX XXXX XXXX on XX/XX/XXXX in full. The DMV was notified on XX/XX/XXXX that the lien had been removed, however, I am not able to log into my online account and download past statements, I have not received a single copy of a statement, and I have not received any closing paperwork from the issuing bank.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : 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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent letters to the actual company and all 3-credit reporting agency that for validation and to have this inaccurate information deleted from my credit report. The following tradeline item is inaccurate because you have inaccurate open date, inaccurate, comments and inaccurate date last active. By this being inaccurate on my consumer report this item need to be removed and deleted. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The are in violation of the USC. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-02-08
Company: WELLS FARGO & COMPANY
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:
This matter concerns the Consumer File or Report of XXXX XXXX XXXX ( of XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX TX XXXXXXXX ) found with XXXX and no other matter. 
The following dates are instances where WELLS FARGO BANK N.A. & its subsidiaries or affiliates accessed or otherwise requested or purchased the consumer report without permissible purposes or written consent from the consumer. 
Pursuant to 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, the following transactions were not authorized by the consumer via written or other consent. 
XXXX WELLS FARGO BANK Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX IA XXXX ( XXXX ) XXXX WELLS FARGO XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX AZ XXXX ( XXXX ) XXXX WELLS FARGO BANK XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX NC XXXX XXXX XXXX ) XXXX WF CRD SVC Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX IA XXXX XXXX XXXX ) XXXXXXXX WF CRD SVC Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX IA XXXX XXXX XXXX ) XXXX WF CRD SVC Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX NC 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 explanation