BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My dispute is with Citi-Bank and XXXX XXXX. During the month of XX/XX/2018, I received a Sears promotions showing my credit line was still {$4000.00}, that account is now {$1600.00} a decrease with my owing {$1200.00}. I had a Home Depot line of credit of {$3000.00}. Citi Bank had already decrease my line of credit on their XXXX XXXX Card and Best Buy Cards. After being complete " fed-up '' with how they do business when I received a letter dated XX/XX/2018 that my Home Depot credit card was decrease to {$500.00}. I contacted Home Depot regarding the decrease in the credit line. I was not pleased with their response. I requested that once I paid the account balance of {$140.00}, I wanted the account closed. The customer representative stated that I could never open and account again if I closed the account I stated I do not care because " corporations '' think they can imprison customers, they say we are valued customer but they do not value us. I stated several times that I wanted to pay the money first then I wanted the account closed. I was " tricked ''. The " rep '' said I have to read you " the rights ''. I responded, yes I want you to close the account after I pay it. The " rep '' stated the account is closed. The account closed before my payment was taken. On XX/XX/2018 after speaking with another representative about the behavior of the " rep '' it was suggested that I pay the balance owed of {$140.00} that it would be before Home Depot my another report to the credit bureau. I paid the amount owed. On XX/XX/2018, I tried using my XXXX 's credit card. I found the account is now closed, I had a {$2500.00} on the card with XXXX owed. XXXX XXXX  is closing all my credit cards with them. I think it is directly related the Citi-Bank reporting. I received a letter from XXXX XXXX dated XX/XX/2018 in big letters stated that I have SERIOUS DELINQUENCY, REVOLVING ACCOUNTS TOO HIGH. Let me remain you my balances was in good standard with " them ''. I had issues with Citi Bank with how they do business. Yet XXXX XXXX is closing out my accounts that are in good standard. I only owed Home Depot {$140.00} and of that was a {$20.00} late fee that I was trying to have them to waive. However, these two banks are causing a chain-reaction on my credit. XXXX XXXX letter stated my credit score is now XXXX. If anyone view my credit they could see I had an issue with Citi-Bank. I would like this matter corrected because they are making me look as if I do not pay my debts. I know long with their cards. I do not like the malicious way they are doing business. However, I do care about how my credit is viewed. Please I need 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 2023-02-01
Company: Experian Information Solutions 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: 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. 

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  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 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 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 2022-02-04
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On the XXXX  on XXXX I told them to stop calling me every day and just to send whatever information to my house. 
They did not. 
And have continued to call me most days XXXX XXXX XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Owed : {$1900.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$520.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NH
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:
Account # XXXX Mortgage with XXXX / XXXX. XXXX & XXXX XXXX We have had an outstanding payment performance with XXXX for our Mortgage payments. We were notified in XXXX that XXXX was selling their Mortgage to XXXX XXXX. We called and asked if there was anything we needed to do and we were told No, that it would be a seemless transition. It was anything but seemless. We were told our direct deposit of our checking account would switch from XXXX to XXXX XXXX. When I checked my credit report it showed late payments from XXXX XXXX. We called XXXX XXXX and and found out that those payments did not get directly deposited into our new Mortgage with XXXX XXXX. In order to make our account current we made a one time payment of {$13000.00}. which made our account current on XX/XX/XXXX. Today I saw that the credit report was now showing that XXXX was delinquent. The woman I spoke with today sent me our transaction history and it indeed shows our account was made current on XXXX, XXXX. The credit report is showing that we have an outstanding balance with XXXX XXXX of {$8900.00}. when if fact that was all paid and then some to XXXX XXXX who now owns the loan and we have set up automatic deposit. We do not owe {$8900.00}. look at the account, it is current and yet our credit score continues to go down and you folks have not adjusted the outstanding balance. We are interested in refinancing or taking out a home equity loan but this has killed both me and my husbands credit scores. Please update your records and remove the deliquent months of payment so our credit can get back in good standing. I have talked to no less than XXXX people between XXXX and XXXX XXXX. No one could give me an explanation and I was told to schedule a dispute. If this isn't taken care of we will be taking our business elsewhere. I have spent 3 days on this matter which should have been resolved in one phone call. 
Thank you in advance for your attention to this matter. 
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 explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

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 2023-08-05
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on 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 explanation
Consumer complaint received 2017-11-07
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a call from an unknown number from a person requesting personal information ( birth date ) before they would tell me anything about the nature of their phone call. The person then told me they were a debt collector and I owed a {$100.00} medical debt from XXXX. I requested that this person send me proof of the debt in writing, and corrected my address for them as they had an old address. I did not receive a letter, but received daily automated phone calls asking them to call back and pay this debt. On XX/XX/XXXX I called the debt collector back to ask them about when I would get the letter, and inquire to the credit hit I got that day. The person I spoke with told me they sent the letter and then reported the debt to credit a couple days later, and she told me that I likely just had n't received the letter yet. I asked her how they could report something I was n't even given a chance to validate and pay in writing, and she told me I should have paid it when they called me ( ignoring my rights to have this debt proven to me in writing ). I received the letter today ( XX/XX/XXXX attached ), and the letter has no post mark date on the envelope nor date on the letter so I have no way of knowing when they actually sent it to me. The letter does not have enough information for me to know if the debt is valid ( only name of hospital owed to, not date of service or account or anything else ). In addition, the letter states that I had a " payment arrangement '' with the debt collector that is past due, which is indeed quite false. I do not believe this letter fulfills the debt collectors obligation by law to provide validation of debt to me in writing and therefore they did not follow the law in reporting to credit. I can not get the debt collector to follow the law and they are taking adverse action against me without fulfilling their required duties. I believe this creditor has been bullying me and has not been trying in good faith to fulfill my request for proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, 2022 for {$670.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without 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 2020-04-15
Company: Westlake Services, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an automobile loan with Honor Finance in XXXX and self surrendered the vehicle because it was giving me problem after problem. I was contacted in XX/XX/XXXX stating a garnishment would be taken place. As of XX/XX/XXXXmy wife 's checks have been garnished with an up to date amount of {$11000.00} that has been taken. On the court document states an amount of {$8400.00} was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
This is my second attempt sincethey have failed to respond to my previous disputes, and remove innaccuracies. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 

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. 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 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 2023-08-05
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2023 Experian Information Solutions Inc . 


I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name XXXX XXXX XXXX XXXX  All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, There are multiple Soft Inquiries that are NOT AUTHORIZED :

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 2022-08-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has sold my personal information to MIDLAND CREDIT MANAGEMENT , INC and they have sued me for an alleged debt they have no right to collect, now they are garnishing my wages. They are purposely injuring me the natural person. I had no credit transaction with MIDLAND CREDIT MANAGEMENT , INC

Company response to consumer: Closed with monetary relief