BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did a dispute on this fraud account XXXX XXXX with Equifax and the other 2 bureaus. Equifax came back and said this fraud XXXX XXXX account was verified stating it is a CHARGE OFF that is reporting every month a late missed payment since XXXX and XXXX. They stated that this account last reported on there Equifax system on XX/XX/XXXX and it reported it as a late missed payment they have not received any report since then and they stated that they received Data from XXXX that this was a fraud account so they reopened up a XXXX Dispute investigation on XX/XX/XXXXXXXX  after they closed a dispute and inaccurately verified by Equifax and XXXX XXXX which is a FCRA violation that a charged off account can not be open reporting late payments every month. Again Equifax has stated that this account was never closed it is open and has been reporting negative missed payments every month since XX/XX/XXXX, XXXX This below is an Equifax Dispute Department Supervisor that informed me today XX/XX/XXXX. His name is XXXX employee ID # XXXX he is in the Dispute Department. He stated that this account does not showed closed on there system. Every month all of XXXX and XXXX this Fraudulent open XXXX XXXX account has reported late missed payments every month last report was XX/XX/XXXX when they reported a late missed payment it shows charged off but it is open still not closed reporting late payments every month..On my Equifax. Com a subscription I pay for monthly shows this fraudulent open XXXX XXXX  account as CLOSED this account has dropped me XXXX points on XX/XX/XXXX due to this new dispute open that Equifax received from XXXX. This account is a part of the closed installment account statuses on My. Equifax. Com and they are telling me that it is not CLOSED and there is no date of closing it is OPEN and has been reporting once again a late missed payments on my EQUIFAX credit report every month since XX/XX/XXXXXXXX  when this account was charged off. Something needs to be DONE NOW this fraudulent account needs to be DELETED ASAP due to the FCRA violation that it has been charged off and reported inaccurate late missed payments every month since XXXX XXXX..We are going to be in US CONSUMER LITIGATION court in the near future due to this fraudulent XXXX XXXX  open auto loan account that was charged off XX/XX/XXXX. They have harassed me and threatened me as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is an old account that was settled in court for a total of XXXX. My payment was XXXX dollars a month and this law firm was from Florida. ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Florida XXXX. This law firm was taking my payments on an online portal. I could never get a statement balance after making payments. Payments started in XXXX of XXXX. I made my last payment through the portal in XX/XX/XXXX, but since that payment the portal has changed with no knowledge of how to make an direct payment. I had a Consent Judgment with this law frim signed and notarized for the agreed amount of XXXX settlement, yet this same Law firm in the state of Georgia are now filing an Affidavit of Default on Consent Judgment for an amount that's more than owed. The amount that was paid, was not deducted, but added to the balance, these actions are not right. I have proof of payments from my bank, but none from this firm. Something is not right. There is an attack on single family homes and workers who were essential worker throughout the pandemic We all are trying to recover financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Reliable Credit Association, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XXXX, I purchased a vehicle and got a loan to pay for the car. Paiding on the vehicle for the last 5 years collectively. I then in XXXX requested a personal and the financial company approved it as a secure collateral loan against the vehicle. Whereas, I requested another personal loan with the same company, they approved again as a secure collateral loan combining all secure collateral loans together. 
To date the car needs repairs, but the cost is higher than the car 's value. I spoke with the financial company regarding this. Proposing to sell as a salvage, and then use money towards loan balance amount still owing. But the financial loan officer stated I will need to pay them a fee 1st in order for them to release the title to me moving forward. I'm attempting to find out whether the financial is in compliance of such actions. The " why are they able to charge me a fee and the car is of less value then the amount still owing on my outstanding loan amount? '' Please assist and direct me accordingly to WA State consumer law ( XXXX ) or directives on identifying if this financial company is correct in business consumer processes. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have my car through XXXX XXXX. This was supposed to be set up on an auto withdraw. I have had several conversations with them about setting this up. I just got this vehicle in XX/XX/2020, and every month I have tried to get this together with them and it constantly fails. In XXXX and XXXX, I received lates on my credit report for this vehicle when it was promised to me that this was set up properly. A few days after it was late, both months, they contacted me asking for a payment. Through my confusion, I just paid it because they stated a payment hadn't been made. 
Now my credit score is suffering because this wasn't completed and I now have 2, 30 day lates on my credit. I have several accounts with XXXX XXXX  and I have used them for a long time. This is unacceptable and needs to be reversed. I have always paid them and paid on time.

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 2023-01-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
CFPB + Equifax, I have 4 unauthorized hard credit inquiries on my Equifax credit report - I called each of these 4 hard inquiries on XX/XX/2023 and XX/XX/2023, spoke with customer service representatives, and all are requesting the hard inquiries made into soft inquiries and/or removed altogether. 

Attached to this complaint are : - drivers license - social security card - address - my complaint letter *with documented proof* Equifax, you need to have these unauthorized hard credit inquiries made into soft inquires and/or removed from my credit report immediately as its damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Total Card, Inc.
State: MA
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:
I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # : XXXX, # XXXX, # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # : XXXX, Account name : US DEPT # XXXX, XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # : XXXX, Account name : DPT ED/ XXXX # XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX / XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX, Account name XXXX XXXX XXXX, Account name : 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 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 2022-07-11
Company: Experian Information Solutions Inc.
State: CT
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 item listed below has violated my rights. 

INQUIRIES : -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  NEGATIVE ACCOUNTS : -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 a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX the XXXX of Last year 2022, I was in XXXX, XXXX by XXXX XXXX XXXX XXXX, With Soccer Team From state of California. I did not have a reservation my self but share a room with other friends. One of my Friend asked for help to pay For The Room and they needed {$1000.00} which I will get back from them after they collect that amount from the team members, So I went a head and made that Payment from my Credit card Citi Visa Credit Card. then I had left the XXXX Early morning of the XXXX of XX/XX/2022 around XXXX XXXX  in the Morning of Monday going back home to XXXX Arizona, after about 45 days I discovered there are unknown charges to my account one on the XXXX of XXXX of {$6000.00} and XXXX on the XXXX of XXXX So the total Unauthorized Charge is {$6000.00} which I did explain to Citi bank about the whole story, The credit card company Gave me a credit For that A mount For about a month and reverse it back, and ask me to deal with Hotel my self

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 2020-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020. 

I contacted the Capital One customer care service and i felt that way fraud specialist can not help with me over the phone because they need identification from me and need me submit social security card, driver license, and proof of address to Capital One and process the case with business 7-14 days to investigative the case third time I submitted. I felt like I had been discrimination experience with customer customer and been violated my rights third time. When I made contact through a video relay service and they thought it was theft identification and flagged it to fraud department. I understand they concern about security. It was me, XXXX XXXX. I am deaf and using a interpreter to communicate with them. they had communication barrier on it. The Capital One seems not follow the America Disability Acts Law procedure. The customer care service representative threaten me and violated my rights. They said do you want to close this account. I was feel inappropriate way they treat me wrong. I been loyalist customer to Capital One for over 16 years. this card is my favorite, I don't want to close this account. I does not understand why they does not accept to help me through a relay service on the phone.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 US DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : 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 explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : -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 a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: NV
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:
The account type for the XXXX account reporting to my credit report is listed as open. I'm not sure how that be considering I have never made an agreement to pay this collection agency. I have not signed any contract with XXXX stating that I will pay them. The only thing that should be reporting to my credit report is data that is been validated and this XXXX account has not been validated. XXXX is using deceptive credit practices and that is unacceptable and against the law. I know my rights and according to 15 USC 1692g I am the original creditor and I am the only one who can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
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