BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXXXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX/XXXX XXXX XXXXXXX Date Opened>>>>> XX/XX/2009 XXXX XXXX XXXX XXXX Date opened>>>> XX/XX/2009

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 2023-10-27
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Despite the death of my wife, charges were made to her account. Over several months attempts were made online and via phone calls to dispute the charges and refund the money. Charges were eventually reversed. The bank refused to release the money despite providing a death certificate by mail and a copy of the death certificate via online. Today the rep requested proofs of payments by showing my bank statements. The rep acknowledged there is money in the account. 

I am getting runaround dealing with different representatives of the bank from the end of XX/XX/2021 to now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For two months, repeated attempt to collect a debt that is not mine or does not exist. Said they have my address to a house I have not lived at for at least 10 years. Have asked them to remove the number but the calls come in again. The following are all the numbers that have called me from this company ( that I know of ) : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Said the company name is Radius Global Solutions, formerly XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and found the following item is what i am disputing. 
1. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXXXXXX XXXX Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third 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 FTC.

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 2020-10-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
td bank XXXX XXXX XXXX..I 'm apply online td bank XXXX credit I'm working this bank almost 3 years I'm proof all personal information bank account documents salary documents I'm sent td personalfitloans.com and they don't accept my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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: Information belongs to someone else

Complaint:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items 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 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 2023-12-23
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX joined in a bankruptcy XXXX for adverse actions against a person under bankruptcy XXXX protection filed with Experian credit which shows discharged debt and reported assets violations withheld property awarded and protected to XXXX XXXX XXXX. Reporting it as cleared in XXXX bankruptcy XXXX discharge but the agencies continue illegal actions against XXXX XXXX XXXX which paid a fee and caused damages to credit by listing it twice 11 USC 562 the second notice was to Division of Child Support XXXX but they continue to falsely report. XXXX XXXX XXXX was CP under protection of a stay with an Injunction and XXXX XXXX XXXX told lawyer a transfer of assets was prohibited. 11 USC 562 under bankruptcy laws it's considered fraud. Exhibit Reply to combined email from XXXX XXXX XXXX  copy Exhibit XXXX to exhibit XXXX XXXX XXXX summary judgement XXXX XXXX XXXX XXXX XXXX XXXX. Bankruptcy XXXX, Bankruptcy XXXX XXXX XXXX. Letter from United States Department of Labor XX/XX/XXXX XXXX Experian credit report XXXX XXXX XXXX is seeking relief of over {>= $1,000,000}. at {$2000.00} a day for Contempt of Adversary Proceeding Actions XXXXXXXX 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 2023-05-06
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 XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
To whom it may concern : I am bringing a complaint against XXXX XXXX. XXXX XXXX XXXX and Cooling and Winter Law firm acting as a debt collector. 

My debt was with XXXX XXXX. The debt was originally my mother 's debt but I took over the debt after her death on XX/XX/XXXX. XXXX XXXX XXXX filed a garnish judgement against me but I am Social Security. On XX/XX/XXXX, XXXX XXXX XXXX placed a XXXX XXXX XXXX XXXX upon the home I stay in which I did not have ownership of the said property until I filed a Quickclaim Deed on XX/XX/XXXX. Now I am in a bankruptcy and they want me to pay to remove the lien off the property. The tactics they used are deceptive and unethical. Now neither debt collector law firm won't even answer my calls, return my calls. nothing. 
Not knowing the lien was on the property was sufficient reasons for my denial of mortgage assistance and the lost of my home. 
I also notice that the debt collector law firm was under investigation in XX/XX/XXXX same time they were putting liens on property that people don't own.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-17
Company: Southwest Credit Systems, L.P.
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: Account status incorrect

Complaint:
I am a former XXXX customer. In XXXX, I communicated with XXXX regarding account # XXXX. At that time, I the account balance was approximately {$1500.00}. The account was sold to Southwest Credit ( account # XXXX ), whom offered an approximate {$700.00} settlement. I accepted that settlement and made the payment to them on XX/XX/XXXX. XXXX email, I informed XXXX that the settlement was paid and attached the settlement offer and receipt of payment for confirmation. XXXX confirmed receipt of that email communication and informed me that it would take approximately 30 days for payment to be reflected in XXXX 's records. In XX/XX/XXXX, I reviewed my most recent credit report and Southwest Credit has still listed the balance of {$1500.00} as " unpaid. '' There are no monies due and the account should have been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Experian Information Solutions 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:
XXXX  XXXX {$760.00} company name XXXX XXXX XXXX collection not my debt do not belong me wish it be remove asap

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 2019-07-30
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Allied interstate said I owed XXXX dollars from XXXX account. I advised them that it was a I d theft investigation. They advised we will not help you and put it On the credit bureaus I found the equipment sent in my garage and sent it to an fish office and received credit. I contacted XXXX and they said if I pay it they will remove it from my credit. I then paid the XXXX dollars even thought I had a I d theft complaint started. The balance became XXXX. Allied said we are not here to listen. Then sent a letter that I agreed to pay the bill with them and made a schedule to pay the difference. I have the letter which is false and intentionally done by them.

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 2018-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2023-09-13
Company: Early Warning Services, LLC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They are not upholding the fair credit report act! They are denying me the right to challenge them on the inaccuracies on my consumer banking report. They are creating hardship to the point where I cant not build a relationship with any financial institutions because early warning systems are blocking me at the! They are housing fraudulent claims on my report and will not remove the information for from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: SC
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: PA
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 was a victim of identity fraud more than once. I sent in the FTC identity fraud packet I gave them police reports and they froze my account and suppress my account and refuse to give me access to my credit for almost two years now.

They said they need documentation from the Social Security administration I have done that more than once.

I have mailed it a certificate of mail and they still won't unfreeze my credit access me while somebody else is using my credit to commit fraud and criminal acts. However, they said I sent in falsified documentation which is a lie because you can't falsify the FTC fraud packet or numerous police reports. 

I'm ready to take legal action and sue XXXX XXXX ; Equifax ; XXXX  : XXXX and XXXX for furnishing fraud information falsify information identity theft information and block me from correctly or getting access to my own credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: CREDIT ACCEPTANCE CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 I paid off the remaining balance of my car in the amount of ( including their fees ) XXXX. The rep told me in the first week of XXXX, my info would be updated on my credit report. I had had a few late pmts reported due to difficulty during covid. 
Today it was reported still open, past due of 180 days, and on XXXX it showed a balance decrease of {$10.00}. 
I called the company and they did say the account was closed but said all they could do was send me paperwork to file a dispute with them.

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 2021-09-05
Company: ID Analytics, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my leg a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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 I have some issues also with unrecognized addresses on my credit file Please delete the following addresses : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX, OH XXXX I would like a full copy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have written called the credit bureaus and lender I paid the balance in full XX/XX/2020. Yet is is showing as a balance of XXXX. The errors in reporting by the credit bureaus despite my request to correct our violations of my rights. It continues over and over again.

Company response to consumer: Closed with explanation