BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-07
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:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
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:
I went over my credit report and noticed a account and a few inquiries 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 explanation
Consumer complaint received 2021-08-07
Company: Ray Klein, Inc.
State: OR
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:
We continue to get telephone calls to our home number from PROFESSIONAL CREDIT SERVICE at XXXX. We have perfect credit and do not owe anyone, We hang up as this is so annoying! We are elderly and someone is trying to take advantage of us and our age and financial status.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is 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 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 explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2023-02-14
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY XXXX COLLECTIONS WAS THAT YOUR COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THAT YOU ALLEGED I OWE. WHICH CBS COLLECTIONS FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( 1 ). which i am sure your legal counsel will agree that CBS collections did not do. 
Lets also not forget that CBS COLLECTIONS broke commercial law under XXXX XXXX that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. CBS COLLECTIONS '' failed to give me my XXXX XXXX days before placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. Under 809. according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. CBS COLLECTIONS is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. 
OBVIOUSLY CBS COLLECTIONS is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to CBS collections. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. 
See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Supp. XXXX ( XXXX. XXXX ) ; XXXX V. 
XXXX, XXXX XXXX XXXX XXXX cIR. XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), et seq. 2. I am sure that your legal counsel will agree that CBS collections have violated multiple of the above stated laws. IF CBS collections continue collection activity with not shown me ANY PROOF that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE FEDERAL TRADE COMMISSION XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: RFNA, LP
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan with Republic finance. My wife went in to pay XXXX on my account and the cashier charge her XXXX when my wife looked the receipt upon walking out of the door she noticed the XXXX. So she asked the cashier " Whats going on '' and the cashier proceeded to play stupid. At that moment, my wife asked for a print out of my payment history. When l looked over the history I noticed payments lower than I had paid. My account balance is n't right - not even close. I should owe right at XXXX. I found it odd when I first went to make my first payment the cashier told me they do n't take debit. Now I see why because they are beating the customers. I 'm sure I 'm not the only one they are stealing from. The extremely high interest they charge loaning to customers they know will never get out of the loan does n't seem to be enough for Republic finance. Also, I 've never been late. I was told I had a ten day grace period so why is it showing in my faulty pay history as being late. My Balance is far from right and I expect for it to be fixed. I reached out to the corporate office and have yet to hear anything back from them. I do intend to take further action. Republic finance should be fined and put out of business for stealing from customers and luring them into more costly loans. Also I never gave finance Republic to give out my payment history to anyone not even my wife which is also violation since her name is n't on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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 Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # 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 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XX/XX/2020 I contacted XXXX, transunion, and XXXX  about fraudulent loans being furnished on my credit report. After sending a police report, FTC fraud report, XXXX  deleted the inaccurate information but XXXX  and transunion denied to fix the issue on several occasions after sending affidavits, police reports, fraud reports, court rulings, and phone calls. The XXXX  XXXX XXXX XXXX XXXX had lost a case for fraudulent loans. 

According to documents, all fraudulent loans were to be cancelled and cleared from reporting. That has not happened. 

This has caused adverse harm in seeking housing, and solid transportation.

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 2023-01-17
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:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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

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 2022-10-07
Company: Experian Information Solutions Inc.
State: MA
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:
Hello, my name is XXXX XXXX. I am a natural human being and I have rights under 15 U.S.C. 1681. I am submitting this CFPB complaint to address the Credit Reporting Agencies, Experian, XXXX and XXXX, to request the complete removal of incorrect and unverified information from my credit report. I have been sending countless letters requesting Experian, XXXX and XXXX to remove the item from my Credit Report. Yet, they have done nothing to resolve this issue. FCRA Section 611 ( 15 U.S.C. 1681 I ) states inaccurate and non-validated information MUST be deleted from the consumer 's credit report in accordance with paragraph ( 5 ) ( A ). I ask CFPB as a last resort for help addressing this ongoing negligent matter. I wrote to the original creditor and the 3 bureaus disputing the accuracy of the improper account mentioned below which is negatively affecting my credit accounts. The accounts are being reported as a result of an error and it's damaging my reputation. According to the Fair Credit Reporting act, the account with XXXX XXXX  ( account number : XXXX, Open Date : XX/XX/2022 ) has violated my federally protected rights. I had no other choice left, but to submit this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting negative information without sending me copies of original documents as proof of verification, please understand that I will initiate legal action. 
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. I have never given any instructions to this company to furnish this account. 
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. Checking the reported account, it has missing information reported in Experian, XXXX, and XXXX. The information does not match across the 3 bureaus and it's not reported correctly. Account name, Status, Status Updated, Balance Updated, Monthly Payment, Past Due Amount, all these are reported differently and incorrectly and its missing information. These are clear violations of my federally protected consumer rights.

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 2021-11-24
Company: EQUIFAX, INC.
State: FL
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:
Due to the databreach at Equifax I believe I have been victim to ongoing identity theft. I am unable to verify my identity with XXXX  e-verify as well as any service which uses Equifax. I have repeatedly contacted Equifax by phone to unlock my account which locked me out of the ability to login for over a year. I refuse to send Equifax copies of my personal identification by mail for verification. I do not trust Equifax nor do I consent to them having or using my personal data. Because of the data breach at Equifax my financial life is severely damaged and I will not send them anything as they can not be trusted. I have no issues verifying my identity with XXXX XXXX or XXXX. However Equifax has false adverse actions on my report which I need to review and can not. 
I am able to provide correct answers to all my verification requirements by phone however they demand these documents which I refuse to provide. I have explained time and time again that I need to verify what fraudulent adverse accounts are being shared by Equifax. 
I have verified my identity with the XXXX and XXXX XXXX XXXX in person and Equifax could easily check public records to verify facts like property ownership and LLC EIN or any other info. I refuse to send them my license and ssn # cards. How can I know they will not misplace or improperly dispense of those copies? I do not trust them. They are required by law to provide my report and that report is filled with fraudulent information which I am unable to address due to Equifax failure to keep my information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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  Account # 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 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion, XXXX, and XXXX continue to furnish information that is inaccurate and incomplete. I reached out to these companies. Submitted a dispute, even filed a lawsuit. My reports are still inaccurate. The Payment history, along with date of first delinquency, and some of these accounts have been deleted on one credit agency but remain on others. Theyre violating 1681e ( b ), along with failing to respond. Another violation.

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 2022-11-04
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: 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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 apologies if this is received multiple times. There is an inquiry on my transunion credit report from XXXX of 2022. The inquiry is listed as XXXX XXXX, XXXX. I do not recognize this inquiry and would like it removed.

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