BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Last week was the first time I've been made aware that someone was trying to Bill me for a debt they are saying I owe. The last time I did business with this company ( XXXX XXXX XXXX XXXX ) was 3 yrs ago. I understand that if I am responsible for a debt I have to pay it, but I need to be sent a bill or some sort of attempt to send an invoice or to call, or email to bring to my attention that someone is attempting to collect a debt from me. The first I'm hearing of this is Last week when I received papers threatening to sue me for an uncollected debt that I have been completely blindsided by that they are claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2023-05-23
Company: CL Holdings LLC
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 Amerassist AR Solution Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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. 




XXXX AR XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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:
I made a complaint via CFPB XXXX about Experian reluctance to remove unverified accounts being reported on my credit file, instead of verifying and removing the accounts in question their response is to say they do not believe I am who I say I am and that they are not going to verify the accounts. I have sent copies of my drivers license and social security card which under FCRA is acceptable, my address is a P.O. box because currently I do not have a home and can not qualify for a home because of the unverified accounts being reported as mine, they are causing me tremendous financial and quality of life issues, If they would like a notarized letter stating that I am truly XXXX, I can do that. I have again uploaded all the letters, copies of ID, certified letter receipts.

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 2023-07-07
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 belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 Account Number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
they told me they will sue me for a debt that is 10 years old that i included in my banruptcy 10 yerts ago they cant collect anything the statue of limitations is done she told me if i dont she will effect my credit tporet and have me arrested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
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: Account information incorrect

Complaint:
Equifax credit score is 100 points lower than the other 2 credit bureaus. This can't be Please correct or explain logic to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-06-17
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:
I submitted a dispute of this information to XXXX XXXX and received a letter stating that it would be removed and honored. I get an alert from CFPB stating my investigation was done and not honored. So someone is sending out conflicting information and I would like this reinvestigated and removed IMMEDIATELY. I will not honor 30-60 days anymore. I will take legal action.

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 2022-03-29
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, XXXX XXXX Co Acct # 76 and Acct # 04, have 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-09-22
Company: Grant Law, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Grant Law LLC. is attempting to collect a debt with a fraudulent unauthorized mortgage and an incomplete mortgage. Grant Law LLC. is misrepresenting the contract with incomplete clauses and covenants they are abusing me through the the legal system. Grant is trying to collect a debt that was discharged in bankruptcy. They are trying to collect a debt with the incorrect name on the contract with my initial forged and the incorrect property address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MD
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
They refuse to credit my account for a fraudulent transaction. 

They can not send me information on what the purchase was for. 


RE : XXXX # XXXX & XXXX Dear XXXX, Why did your short my auto-payment by {$110.00} ( the amount of my dispute ). 

That caused me to incur a finance charge. 

The {$110.00} charge is fraud from a scam artist company ( see below ). 

Please credit my account the finance charge and the {$110.00} charged due to fraud. 

Thank you, XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX is a fake online store! 

XXXX : {$110.00} Dispute Apparently, they came up with some phony mail receipts. 
Please resend them to me as I am going to report them for mail fraud. Their emails bounce. 
Thank you, XXXX This is an automatically generated Delivery Status Notification. Delivery to the following recipients was aborted after XXXX hour ( s ) : XXXX XXXX XXXX : There was an error while attempting to deliver your message with [ Subject : " Hi, You charged by XXXX credit card {$110.00} on XXXX. What was it for? I have no record of receiving anything. Please advise XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : GB - XXXX XXXX XXXX Account Number : XXXX Currency : US XXXX ( USD ) Merchant : XXXX XXXXS Merchant Information : XXXX XXXX XXXX XXXX Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Transaction Type : Purchase Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have made multiple phone calls to your company and spoke with many managers that which who have all stated that there is no credit history on file. The bank which I opened a secure credit card shows a {$170.00} unpaid medical bill. I faxed all of that information to your company. When I called twice regarding some confirmation if your company received the fax both representatives stated that nothing was received. My personal banker who opened my secure credit card also called the business company line to your bureaus and a representative stated that there is no credit history. This is very strange when I have a line of credit, and I am not even able to dispute the {$170.00} unpaid medical bill that was from XXXX  and I became a new XXXX  of the U.S.A. in XXXX. This is a mess, and needs to be fixed and your credit bureau agents and managers I have been in contact with are uneducated on what to do in the situation and are complete unprofessional. I grantee I am not the only person that has had this issue before. It is very odd. There must be a solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 ( USC 1681. 

Account name : XXXX XXXX, Account name : DPT ED/ 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 stat s 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 a handy 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 2023-08-16
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a used car from U.S.Auto and they weren't supposed to be selling cause their license was revoked so my question is where did all my payment i was sending them went to. they took my down payment and didn't give me my tags. They also took my down payment knowing they were going out of bussinessand the didn't have the right to sell any cars as of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22
Company: EQUIFAX, INC.
State: DC
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:
I have been working with XXXX for over 5 months now to get the incorrect information on my credit report to be removed. I have never applied for credit card XXXX XXXX XXXX. I have individually submitted police complaints and relevant information to both the banks. They have not responded, and XXXX refused to work further on investigating. I have made multiple calls to XXXX, and they have been extremely unprofessional and rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: CT
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 submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently sent letters over 45 days ago to these credit bureaus and they are disregarding a regular consumer disputes. I am concerned and stressed and have been sending letters before this and still no correct action has been taken.

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 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 estimated time XXXX, at Bank Of America located on XXXX XXXX XXXX XXXX XXXX IL XXXX. I deposit {$2000.00} into my checking account using my XXXX XXXX virtual debit card for Bank Of America. I entered my pin, selected deposit, and hit cash deposit. I feed the machine 20 {$100.00} bills the first time and when prompted by the atm I hit add more cash and I deposited an additional solid {$10.00} bill. I hit finish deposit and the screen read processing please wait after waiting 10 to 15 minutes I proceed to call customer service and file a claim. She asked me to hit cancel and nothing happen. She asked the amount I deposited, the address, the ATM Identification number. I was worried that the money would be dispensed back out and she told me no. Im just really worried someone pulled up to the atm and the atm gave back the money. Or there is no record of the money being deposited when I did and just need the funds in my account asap so I can pay bills. I waited until XXXX with my daughter in the backseat. The neighborhood is not very safe so I didnt feel comfortable staying at the atm for an hour plus additional time to see if the deposit would clear. I am behind on my bills because of this inconvenience. I really need those funds so I can take care of my daughter and I.

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 2021-07-12
Company: Experian Information Solutions 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:
Accounts on my credit report that I do not recognize

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 2022-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation