BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: LA
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:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Has contacted family members outside of immediate family. I also believe that wages have been garnished outside of the limitations of when they can be as I also just received another letter and another court date for Midland financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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 ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 explanation
Consumer complaint received 2022-12-30
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:
Right now I am worried! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request ( BUREAU ) the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX XXXX Balance : {$7900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NJ
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights 15 U.S.C. 1681 Section 602A 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 with my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may maken any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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 have submitted multiple disputes and FTC report regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX Amount : {$29000.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate. 

I can go on and on The Credit bureaus no respect for laws. 
Someone needs to hold them accountable for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have not provided any written instructions to allow any Consumer Reporting Agency ; TransUnion, XXXX, or XXXX, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned. 

TRANSUNION : XXXX XXXX reporting a Collection whom I never had any account with is reporting an amount of {$1100.00} debt was XXXX by XXXX XXXX XXXX XXXX XXXX COMPANY XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX late payments XXXX reporting XXXX my consent XXXX : XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX BANK XXXX Account number XXXX Closed XX/XX/XXXX still reporting without my consent. 

XXXX XXXX XXXX Account number XXXX. XXXX Account still reporting without my consent. 

XXXX XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX Still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX Account number XXXX XXXX without my consent. 

My address information is incorrect and should only show XXXXXXXX XXXX XXXX XXXXXXXX Ohio XXXX any other address needs to be 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: WA
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 # 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 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 2019-09-24
Company: EQUIFAX, INC.
State: IN
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:
While serving oversees my Idenity was compromised. The items below have been fraudulently opened and placed on my credit report. 

1. XXXX XXXX XXXX  2. XXXX / XXXX 3. XXXX XXXX 4.  XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX   13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: SC
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've disputed XXXX XXXX XXXX XXXX  and now XXXX XXXX XXXX. Each time I dispute it a new account is added to my credit report. Each collection agencies are reporting are showing the original creditor as, XXXX XXXX XXXX debt, they're reporting the same amount but different account number and they're reporting it as new debt. If the account was sold to a debt collector, it should be removed by the old debt collector and the original date should show. In this case that's not the case they are reporting as new debt. How can I owe the same debt three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The value of my home has risen dramatically in the last 14 months. I sent in a request to have my PMI removed. First, the company provided an unreasonably low valuation of the home inflating my XXXX to 93 %. Secondly, the company is maintaining that I must wait 2 years to get an appraisal to remove PMI. Thirdly, the company only communicates via email which they respond to in one month or more via mail. Fourth, the company will not communicate with me on how the valuation was reached. 

All three of these are unacceptable and I believe, possibly, illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Securus J Holdings, LLC
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX OWNER OF " JPAY '' WORTH XXXX XXXX AND HIS " '' NO REFUND '' '' POLICY TO USE THE SITE TO SPEAK TO LOVED ONES AND WHEN THEY ARE RELEASED FROM INCARCERATION,, IT IS THEIVERY NOT TO REFUND,!!, WHO ALLOWED THIS?? IT HAS TO BE POLITICIANS!! ITS % UNCONSTITUTIONAL FOR PEOPLE OF POWER TO PROFIT FROM THEIR POSITION OF AUTHORITY AND WHO OWNS THESE 40 UNNAMED COMPANIES XXXX XXXX OVERSEES?? IT HAS TO BE POLITICIANS AND PEOPLE OF AUTHORITY!! LIKE I SAID, ,ITS % UNCONSTITUTIONAL FOR THESE PEOPLE OF POWER TO PROFIT USING THEIR POSITIONS OF CONGESS ETC.WE THA TAX PAYERS ALREDY PAY FOR EVERYTHING TO DO WITH JAILS AND PRISONS, UNLESS THEY PRIVATISED THEM FOR PROFIT WICH IS CORRUPT AND ABUSE OF AUTHORITY!!! CAUSE WHO RUNS THEM,,, A HINT,,, NOT THE PUBLIC PEOPLE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Mercari, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Mercari is stealing my money violating my rights I have done business on the platform and my account was closed, now they will not deposit my remaining balance to the account I have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRUIST FINANCIAL CORPORATION
State: AR
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:
On XX/XX/XXXX the vehicle was in an accident and totaled. I called and informed them and asked how to proceed. My mom and XXXX XXXX  grand baby were hurt in the accident. On XX/XX/XXXX it was finally seen by my insurance company because the lady that hit her, lnsurance company hadnt done anything. We were in the middle of Covid off of work. On XX/XX/XXXX my insurance company cut a check for XXXX payoff on the vehicle and they received it on XX/XX/XXXX. They did not apply the whole amount I kept calling and finally got it corrected but they started showing my account as 60 late and on my credit I had never had a late payment. It was a one time on just that one account and in 7 years. I called multiple times asking for a courtesy removal of the late reporting as I had always been a good customer and the account after getting everything strait was paid in full and actually they were overpaid. This was a terrible time and hardship on our family with my XXXX XXXX XXXX mom injured and trying to fight hospitals and insurance companies to get everything taken care of. I know this was our debt and we have worked hard all these years and when trying to pay off it gets late charges that negatively impact us long term. I kept in constant contact with XXXX and kept them aware of every step. I understood that I was doing the correct thing when talking to customer service representatives. They show late in XXXX but say it was paid 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 explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a dispute letter. that contained inaccurate things on my credit report. It has been 60 days or more I've received a response but its not the one I would like to hear. I feel like the Junk Collection agency just ignores my reasons for them to close my account. They can't provide me with any documents proving or staiting the I authorized that account. I asked them to send a copy of my id along with signed documents and my social. They couldn't provide this info for me. 15 U.S. Code 1681- Congressional findings and statement of purpose states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand these accounts be deleted immediately or I will file for litigation due to all the stress all of this has caused. My Info was also affected by the Equifax data breach and more than likely got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I called Chime about an account opened in my name that XXXX warned me about. After talking to a support person at Chime that I could barely understand, or hear, and they could not understand much of what I was saying they put a hold on my account because they did not understand the situation. I replied to the e-mail with the information they requested ID card, and what not. At this point they closed my account. 

" Were sorry to share the news that we have decided to close your Chime XXXX XXXX XXXX Credit Card Account and Chime XXXX XXXX XXXX Account, effective immediately. 

Your account was closed for the following reason ( s ) : We were unable to verify your identity. 

At this time, you are not eligible for a refund of any remaining account balance. '' I sent all of the relevant information they asked for that 100 % verifies my identity, and they closed it stating they couldn't. At this point I sent them a support e-mail trying to recover my account. 

The only information they will give me now is as follows. 

" Weve determined your account is not in compliance with Chimes internal policies and member agreement executed at enrollment. '' As soon as they closed my account for no reason I changed my direct deposit to go back to my other bank account. Today when I was paid the deposit went to Chime, which is closed. Now they are holding all of my money including direct deposit for no reason, and basically have said I will not be getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Always had problems, been through since XXXX. Never resolved! ... i am XXXX so life been told was resolved and fixed it but it's never been since XXXX!

Company response to consumer: Closed with explanation