BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am requesting the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported, as their inclusion violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the immediate removal of these accounts and information from my consumer report to rectify the violation of these legal statutes. Please take immediate action to remove these accounts and information promptly.

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 2021-06-17
Company: EQUIFAX, INC.
State: OH
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 attempted several times to fix an error with Equifax relating to an inaccurate account. The account in question is XXXX XXXX. I have disputed this account due to the inaccuracies reporting. Equifax has failed to follow FCRA laws relating to accurate reporting related to this account. Date assigned is inaccurate, original amount is inaccurate, late payment date is inaccruate. Most importantly, there is improper reporting across the three bureaus. XXXX and XXXX don't even have data relating to the said account. Under FCRA, I am requesting this account be deleted. This account has impacted me in obtaining credit from lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
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:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: PA
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.

The letters are stated with items and issues.

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 2023-10-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2021-07-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with MIDLAND CREDIT XXXX plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! 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 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.In accordance with FCRA, I am requesting these accounts 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. 

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 2023-03-17
Company: Unity Asset Management
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a call from a spoofed number XXXX. The person on the phone stated that she was calling from Unity Assets and that she was only the secretary and she could not go over why she was calling so she transferred me to a XXXX XXXX. XXXX XXXX proceeded to tell me about a debt that I owed from a company called XXXX XXXX. She said papers came across her desk from their client. I told her the financial situation that I was in, and was willing to set up a payment plan. I told her that I could not make a payment today but I could set up something for the end of the month. XXXX XXXX said that they could not wait that long and that they needed a good faith payment today or they would mark my file as a refusal to pay. When I began questioning her about this, she began saying that she was feeling very uncomfortable and that she was going to mark my file as a refusal to pay. I never once in the phone call said that I would not pay, I told her I could not make a payment today. Also she misrepresented herself saying that she was working for a client when in reality they bought this debt from the original creditor who is XXXX XXXX. When I asked for her full name and company info, she became upset and was saying I was making her uncomfortable. I have a right as a consumer to make sure that I am paying a legitimate debt and to ask questions about this debt. I want to reiterate that when I began questioning her, that was when she began saying she was uncomfortable. This company is Unity Assets located in New York with a phone number of XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: TX
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:
You are receiving this letter because I over looked my Consumer Report and you are furnishing a few accounts that I dont recognize and/or believe are inaccurate. I assume that you have verified the accuracies of the accounts/items that prior to you furnishing the items on my Consumer Reports. I will need to provide me proof of the documents that you have verified the accuracy of all of the accounts I disputed. 

Pursuant FCRA, 15 USC 1681g, my right to demand that you disclose to me any and all of the documents that have been recorded and retained in all of your files at the time of my request concerning the accounts that you are furnishing on my Consumer Reports. 

I submitted these letters on XX/XX/2021 and I have not received a letter back from them and its been over a 30 day period.

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 2023-06-01
Company: EQUIFAX, INC.
State: TX
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 submitted a prior complaint to you reference number is XXXX, on XX/XX/2022 and my compliant was not resolved, I resubmitted my dispute to the credit bureaus, and I received an update from the credit bureaus online saying that the accounts I am disputing accounts XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I requested that they forward me all the documentation in regards to this investigation, this account is inaccurate and my consumer rights are being violated because the credit agencies are refusing to answer my request to provide me via US Mail all documentation in this investigation and the methods used to verify these erroneous accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: Creditor's Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a call was placed to XXXX XXXX requesting a copy or original bill as well as the collection bill. Nothing was ever received. Today XX/XX/XXXX a call was made again requesting and wanting to know why the documents were not sent. This rude lady said they arent required to send original bill even though they work for XXXX XXXX   XXXX. I again requested copies. They were given address to send to.2 addresses and neither address received one. At first she stated that when the bill was disputed they had to send to address XXXX has on file. Well the call was made requesting information 3 weeks prior to that. Enough time to send to address requested. Yet they did not. These bills were a surprise. My ex wife has put me down as responsible party and weve Been divorced for 7 years. I have not been to XXXX XXXX. Thats why a request was made for original bills and to see who signed the forms at office for procedures. Ive received bills with my ex wife being patient and me as responsible party. Im not sure how a hospital or medical business can add a person as responsible party without their consent. This needs removed off my credit. Ive given them since XX/XX/XXXX to produce a bill and they refuse and say they can only send the collection bill. Before I or anyone pays a bill they are unaware of. They should have right to see what they're paying for. Since they have not been a patient at place bill is from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm trying to buy a house, and I realize I still have damages on my credit report. According to the 15 USC 1681 Law, there should not be any damages on my credit report. This is a defamation to my character.

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 2021-06-17
Company: PENTAGON FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
A few years ago, I have used several credit cards issued by the Pentagon Federal Credit union. In XX/XX/XXXX I filed for bankruptcy. One of my PENFED credit cards Travel Rewards XXXX ending XXXX was delinquent and was reported in the bankruptcy petition. However, the rest of PENFED credit cards were paid off and were not included in the bankruptcy. In XX/XX/XXXX, exactly one year ago, I learned that PENFED reporting a VISA credit card ending XXXX as delinquent and included in the bankruptcy, which is absolutely incorrect! I contacted PENFED customer service, explained the situation and provided a copy of my credit report, and asked to correct this issue. 
Unfortunately, PENFED absolutely neglected my request and continuing to report incorrect information, which is negatively impacting my credit.

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 2018-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates has been harassing me for payments for almost a year when the account has already been paid & closed for years. 

- Many years ago I worked with XXXX XXXX XXXX to clear up my credit card debt and payed everything off in XXXX. 
- Last year ( XXXX ) I started getting letters from Portfolio Recovery Associates stating that one of the accounts was sent to them from XXXX because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment. 
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send Portfolio Recovery Associates people to dispute this debt again and I did but they denied the dispute again. 
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that XXXX deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to Portfolio Recovery Associates and sent them the check copies and ... surprise, surprise ... they denied the dispute again. 
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with XXXX since they were the ones who accepted the payments. 
- And then ... I reached out to XXXX but said they couldn't help me because my account was sent to Portfolio Recovery for collections and had no more records of my account after that it was sent to collections. Dead end there. 
- So then ... I reached out to XXXX XXXX XXXX and they suspected Portfolio Recovery was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up.

PLEASE HELP! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting some personal information - INCORRECT ADDRESS 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 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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