BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: PA
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 am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete : 1. Public Record ( Bankruptcy ) ; 2. Accounts in collection / charge-offs ( if any ) ; 3. Negative / late payments from open and closed accounts ; 4. Inquiries, soft and hard ; 5. Personal information ( addresses, telephone numbers, Spouse/Co-Applicant, Employers ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify these records/accounts, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate the accounts and other records I disputed ; Some items may or may not have gotten removed already but the most impacting to me is the Bankruptcy record which has not been deleted yet. This company along with the furnisher ( XXXX ) claim to have obtained this Bankruptcy record from local/state/federal courts but in the evidence I attached, you can see that United States XXXX Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, however, as mentioned, this record was furnished to this reporting agency by XXXX who is a reporting agency ; Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the XXXX  record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and Equifax does not have any address at all ; I asked for documentation to be provided to me if any of my disputed items/records can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist. 

Proof of the letter from Court and portion of my 3 consumer reports are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-06-05
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:
This is my third 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 alleged fraud or extortion. 
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 XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXXXXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX  {$260.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$2600.00} XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have had just open a. Accounts with coinbase and a new phone service with XXXX my SIM CARD was access and my phone was no longer in working condition to make calls or receive texts when I complain to coinbase they said theres nothing they can do to return my money after weeks of having to email them over and over again they only gave a ticket number which is # XXXX, I had over XXXX $ and theyre not giving it back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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:
To Whom it May Concern, I would like to dispute the 30-day late payment for XX/XX/2021. I've attached a receipt of the cash payment to provide proof that a payment was made before the on time and before the XXXX XXXX. This method of payment is also listed on the XXXX XXXX to Make a Payment page. The payment was made in cash due to a banking error with previous payments from XXXX XXXX being returned. Toyota Financial Services is currently upholding the late payment although a payment was made on the due date. The consumer should not be help liable for processing time. Toyota states in their terms and conditions itll take at least 3 business days to process a payment. I shouldve been allowed that processing time with cash payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit XXXX If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$20.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account Date of service XX/XX/XXXX reflecting on TransUnion consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to TransUnion to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact TransUnion to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from TransUnion stating that there was no credit history report found and to provide further information to XXXX address that is not listed XXXX XXXX report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2023-01-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I applied for rental with XXXX at XXXX and the application got denied. The interesting thing i had previously resided at this rental property. I received information for the leasing staff at XXXX that my application was denied due to my credit. Mind you my application included myself and my XXXX XXXX XXXX daughter as well. According to the law in Virginia every applicant over the age of XXXX is to complete a rental application. Both my daughter age XXXX and myself applied on XX/XX/23. The leasing contacted me that it was denied due to my credit. I currently have fair credit which is acceptable for leasing and no previous evictions. So i decided contact XXXX rent and ask for a copy of the consumer report used. XXXX did not screen my daughter like they were suppose to and decided to only screen me. They informed me, information was pulled from Equifax. Upon reading their screen report provided to XXXX had inaccurate information. First they had my previous address listed incorrectly XXXX XXXX XXXX XXXX, XXXX XXXX VA which caused discrepancies with my address history. Next they had listed - Decline XXXX - please deliver adverse action letter. Criminal has not been processed. This information is inaccurate and am in danger of losing the rental property we applied to. Please this is unfair practice against me and others. We have been denied rental because of this screening company. Equifax informed me they have my accurate consumer information so the mistake is on XXXX. I just lost {$100.00} dollars due to inaccurate information. I lived at this property before screened me and never had a problem till they started using XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management has been calling me daily without leaving messages. I recently paid off my credit card debt so I have no clue what this is in regards to. They call early in the morning and it is extremely irritating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Dear Reporting Company, I, XXXX XXXX XXXX XXXX, hereby, request the removal of inaccurate information from my credit report, all previous addresses, all aliases, all phone numbers, and old workplaces. I am afraid to be susceptible to a theft of identity. Therefore, I request you correct my personal information such as First Name, Last Name, Current residence address, phone number, and current work information in your Database. They must be current and only contain accurate information. 

Please find included copies of my identity supporting my request to update my personal information in your Database. 

Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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

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 2022-10-03
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-06-05
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and Equifax. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: MO
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation