BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX i received a letter from the Eaton Group Attorneys, LLc it was sent to me from their organization about and alleged debt. 
They wrote in their letter that i should notify their office within 30 days of receiving their notice.So i did notify them on XX/XX/XXXX to cease and desist any attempt to collect this alleged debt. 
But in their greed for money and their love for filing lawsuits they ignore the cease and desist letter and the federal fair debt collection practices act, 15 USC 1692. and filled a lawsuit on XX/XX/XXXX for XXXX XXXX XXXX . 
This is the kind of dishonest law firm / debt collector that gives companies a bad name this dishonest organization needs to be investigated for other violations that they have committed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-05-15
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Tha items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXXXXXX Balance : {$4800.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-08
Company: EQUIFAX, 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:
I Have Filed an Dispute In Regards To The Incorrect Inquires Reported On My Credit Its Been Well Over 30 Days and I Have Not Received Any Investigation Results. 

Company : Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Inquiry : XXXX XXXX Inquiry Date : XXXX Inquiry : XXXX XXXX Inquiry Date : XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Date : XXXX Last Four Of Social : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
After a sell on XXXX my funds were held in paypal pending documentation/id verification. I submitted all the exact, legal and valid documentation required just to have a permanent restriction placed on my account, which makes it impossible for me to access my money for 180 days. It seems illegal to hold my money. I called paypal and sent emails to figure out why my money was being held or why the limitation had been set after complying with all requests. No one has been able to give me any sort of reason. I don't want the account back at this point.. I just want access to MY MONEY! There is {$330.00} being held for a purse that has been sold and no longer in my possession so paypal has committed theft as far as im concerned. Transaction ID XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2019-05-06
Company: NATIONS LENDING CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, Four or five years ago, I refinanced my home mortgage with XXXX XXXX XXXX XXXX located in XXXX. They sent out the appraisal company of their choice. That appraisal was at {$250000.00}. That refinance was approved. 

Last month, I was contacted by an agent from Nations Lending Corporation out of XXXX XXXX. I had worked with them in the past. They were offering another refinance at a lower interest rate to combine my current mortgage and home equity line of credit. 

After completing all of the requirements, they sent out the appraisal company of their choice. The day of the appraisal came and I met with the female agent. She was very negative, asked me many questions, some of which seemed very irrelevant. I had to pay {$500.00}. for that appraisal. 

I was asked to submit a list of all or any home improvements that I have done to the home. With in the past two months, I replaced my roof for {$20000.00} It is metal with a lifetime guarantee. The appraisal came back at {$190000.00}. 

I was told that due to " lower value appraisal '', they could not provide me with services for the refinance. I am now out of {$500.00}. I was told that the real estate " market can fluctuate ''.

How can my home 's value go from {$250000.00} down to {$190000.00} in less than five years? That is a loss of {$65000.00} in value and equity. Plus the fact that I had just added a brand new roof.

I have been unfairly represented in this process. I am requesting that my {$500.00} be refunded. 

Thank you, 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
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXXXXXX XXXX XXXX XXXXXXXXXXXX & XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: United Resource Systems, Inc
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was reached out to by a collection agency claiming medical debt from 3 years ago. This collection agency called me on XX/XX/XXXX saying that I owed close to {$300.00} dollars from XX/XX/XXXX for 2 prescriptions. I explained several times that I never received this prescription and that I always pay my pills on time. I reached out the better business bureau on XX/XX/XXXX and explained the situation and they reached out to the company. The company then sent a fake bill with dates that did not match. I reached out to my medical insurance on XX/XX/XXXX where they verified that I never saw a doctor within the time span this was from and nothing was ever submitted. I emailed the XXXX back stating that I never saw a doctor and I also called the number on the " invoice '' they provided me that leaded to a sketchy number with no return call. The XXXX called me this week and informed me the medical company had closed on XX/XX/XXXX and that this seemed to be a hoax. The XXXX informed me I should contact the Federal Trade Commission on this. I went to the FTC website which then has led me here. The collection agency is threatening to report this to my credit on XX/XX/XXXX. Please 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 explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with XXXX XXXX XXXX, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX  is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with XXXX XXXX XXXX with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-02-11
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX, and I am writing in regards to having these items mentioned on the list immediately. I am a victim of identity theft and I did not make charges mentioned with the list.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
A hard inquiry XXXX XXXX XXXX XXXX XXXX ) has been added to my TransUnion credit report without my permission.

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 2023-11-01
Company: EQUIFAX, INC.
State: FL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company started reporting a debt they claim was owed to XXXX XXXX in the amount of {$670.00} I tried to ask the collection ( Ability Recoveries ) to provide proof of the debt along with any supporting documents from the original debtor the representative proceeded to argue with me and threaten to " get their money '' and that the debt was my debt, then proceeded to hang up on me. 

I called back and asked to speak with a manager and was told it would take 48 hours to speak with a manager or supervisor, I was then again hung up on and told to stop calling regarding this matter as " they were going to get the money they were owed '' I continued to demand to speak with a supervisor regarding the matter and was again hung up on several times. 

I called back 4-5 additional times and was hung up on each time and then eventually spoke with someone else who told me that the person who was constantly hanging up on me and threatening me was one of the managers. 

I informed them that i would be filing a complaint with reporting agencies and credit bureaus as this information had not been verified but was being reported on my credit as an open collection, however the debt has been more than 7 years old and I stated that to the collection agency and they continued to argue with me and hang up on me, i asked them to stop reporting the inaccurate information and they stated they would not do that as they had already verified the debt without my verification.

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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX  accuracy not XXXX or 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 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have asked the bureaus to remove incorrect addresses that don't belong to me through the mail but they don't ever respond.

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 2021-03-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having a hard time getting approved for credit it has been brought to my attention there there are accounts showing on my credit provide with negative reporting. The negative accounts on my credit account does not belong to me and I have never opened these accounts. I am being told I need to follow these steps in order to have these account removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions 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:
The following accounts are inconsistent and only show on my XXXX and Experian consumer reports. These accounts are showing with my consent and I never gave anyone permission to placed these accounts on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX Attorney General-XXXX contacted the attorney generals office and the courts and they stated that they do not report to any credit bureau. They do not place personal information on your consumer report. 
XXXXXXXX XXXX XXXX Consumer Law states that these companies have to have permissible purpose and consent from myself the consumer to place this alleged information on my consumer reports.

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 2019-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of identity theft and medical fraud. XXXX  and Equifax ( who exposed my personal information in the data breach ) have left collection accounts on my reports that I have submitted to the police and submitted subsequent reports to both bureaus. They know I am an identity theft victim, yet continue to post the derogatory information from " XXXX XXXX " who also has been reported to the FTC for their actions. The fraudulent information remains on both reports, and I can get no resolution. XXXX  gave me no issues about this, did the right thing, and promptly removed the fraudulent information.

Company response to consumer: Closed with explanation