BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: NY
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  Account XXXX XXXX XXXXXXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX acct XXXX XXXX has violated my rights. 
XXXX  acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U S C 1681 Section 602 A States that I have a 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 2021-08-14
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was reviewing my credit report & noticed a collection account by the name of Jefferson Capital Systems. I dont recall seeing a written contract between myself & Jefferson Capital systems. It is my understanding that if they can not provide proof of this being my debt that it must be removed. According to the FDCPA, they must provide adequate proof showing that this debt is in fact mines, if theres no proof then this must be removed from my credit profile. Computer printouts of billing statements arent proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: 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 https : //www.ftc.gov 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 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 {$1100.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please UPDATE the following accounts completely from my Credit Reports : XXXX XXXX XXXXD XXXX XXXXD XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Attempted to establish dispute with Two of Three Credit Reporting Agencies. I was able to establish this with only one of the Credit Reporting Agencies : 1 ) XXXX   XXXX XXXX Therefore, this Consumer Protection Bureau Compliant is established against improper compliance with the Consumer Protection Act Fair Credit Reporting Act Compliance : 2 ) Equifax XXXX www.equifax.com 3 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please UPDATE the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXXD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
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 explanation
Consumer complaint received 2023-06-07
Company: Auto Credit of Virginia Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Through the form of an application submitted for collateral in XXXX for a XXXX XXXX XXXX at XXXX XXXX located in XXXX XXXX Virginia on XXXX XXXX is where I endorsed my signature to tender the obligation. Was informed the vehicle was in excellent condition I was persuaded by the representative! Come to the realization that in XXXX XXXX according to XXXX displayed publicly on XXXX XXXX  website there has been a total of XXXX recalls including the XXXX XXXX manufactured XXXX XXXX for the expense of repair for the defaults deemed necessary. A settlement agreement was reached where XXXX issued special coverage adjustments in XX/XX/XXXX for the XXXX XXXX. Under this agreement, XXXX extended engine warranty coverage for a period of seven years and six months, or XXXX ( whichever comes first ), from the date the XXXX XXXX was placed in service should the excessive oil consumption condition emerge. It is said that owners who file a claim with XXXX for the excessive oil consumption issues shall receive free-piston assembly replacement on their XXXX XXXX with the XXXX engine or reimbursement for prior out-of-pocket repair or rental vehicle costs which would have been covered by this special coverage adjustment but I was denied service repeatedly on multiple occasions for service by this organization! I seek compensation for the damages and repairs endured over the time of accrued interests not being applied to my principles balance on behalf of the principles account for the advancements of the UNITED STATES!!!

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 2023-11-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Sent all three credit bureaus my personal information that should be on my report, name, address, date of birth, employment status they have not updated my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
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 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 2020-10-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I have disputed a charge from XXXX USA for {$440.00} because I did not receive/order the item XXXX forwarded a statement to AMEX showing the merchandise was delivered. 
Instead of SIGNATURE,, it was showing a TYPED name. 
I redisputed the charge but AMEX rejected my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I am currently in the mortgage application process and the report from Underwriting is showing that my credit card issued by XXXX XXXX  is in 'dispute status '. I called XXXX twice, and I was told twice that the dispute is not showing up. The account has a XXXX balance and there is no dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection company ERC ( Enhanced Recovery Company ) is attemptimg to collect debt for a very old XXXX cellular account. 

The cell phone account is closed, but the member account is however open to log in and rectify your balance. 

XXXX initiated a collection company years ago, but I believe there's been two collection company trying to collect on this old account. 

Most recently, ERC ( Enhanced Recovery Company ) XXXX. XXXX XXXX XXXX, FL XXXX XXXX. 

The XXXX  account past due XX/XX/XXXX on the website indicates the amount due is {$270.00}. 

ERC ( Enhanced Recovery Company ) Obviously didn't know, I was paying XXXX directly through their website and had dates process, amount of money pay and confirmation numbers from XXXX. 

Recently I owed XXXX {$470.00} and I paid the XXXX account on XX/XX/XXXX {$200.00} decreasing the account balance to {$270.00}. 

I expected the payment, like others to be reported to the credit bureau. 

That didn't occur this time around like the payments of {$24.00} on XX/XX/XXXX and {$20.00} XX/XX/XXXX. 

I paid {$200.00} to cut into the {$470.00} decreasing the account to {$270.00} and ERC ( Enhanced Recovery Company ) falsely claims that no payment was made and they increase the account debt by {$200.00} to indicate that I still owe the {$470.00} on my credit report. 

ERC ( Enhanced Recovery Company ) falsely reported a {$200.00} increase on my credit account because I dispute the accuracy of the total amount due and I'm assuming because I didn't pay them. 

I payed XXXX XXXX company online member account in the last 13 months {$240.00} toward the {$470.00} that was owed. 

I pay on XX/XX/XXXX {$20.00} confirmation number XXXX XX/XX/XXXX {$24.00} confirmation number XXXX Recently, XX/XX/XXXX {$200.00} confirmation number XXXX ERC ( Enhanced Recovery Company ) wanted to fraudly and negatively affect my credit rating by increasing the account by {$200.00} to indicate the previous amount {$470.00}. 

I owe XXXX XXXX company {$270.00} ERC ( Enhanced Recovery Company ) has broken the law and fraudulently  reported and increase the amount of due to collect on money that was paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
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: Information belongs to someone else

Complaint:
Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16
Company: BRIDGELOCK CAPITAL
State: WY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX failed to make payments from escrow for taxes and insurance on a mortgage account. 
On XX/XX/2016 I received a notice from my insurance company that the annual premium for the real estate insurance had not been paid. I then logged into my account with XXXX XXXX XXXX and discovered that neither the insurance or taxes, which were both past due, had been paid out of the escrow account. I then filled out their online contact form and mailed a copy of the bill to the address indicated on the back of the monthly statement. No response to either correspondence has been received. I filed a complaint with the XXXX and the company failed to respond to either inquiry from them. I have since paid the insurance bill to keep the account in good standing. The tax bill is still due.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: MI
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 am writing in regards to this account still showing on my credit report- Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Pursuant to 15 USC 1681b , I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Credit Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instructions to whom it relates.

My character was defamed, my character, my reputation, my worthiness, capacity, and mode of living, has been destroyed.

All of these violations are a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18 USC 1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability and i demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on the right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all of your systems immediately.

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 2021-06-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
good day my complain is about the assent i have sold online on a social media specifically on XXXX XXXX  and XXXX, fortunately the buyer has seen the advertisement and was willing to buy the my product and the buyer introduce to me the the special account called PayPal that I must register as he going to pay me on this account and i have register to this account and became a member but i was struggling to link the account to my account on the XX/XX/2021 and i as seller we agree with the buyer that he will pay me on this account called paypal and the money will link to my personal account. XXXX amount was deposited in paypal account that i can use or seee it but the client promise to see to this matter but i manage to trust the buyer and this paypal thing scam, well after shipping the product to XXXX from XXXX XXXX to Mr. XXXX in XXXX the was confirmation on on the paypal account of my money transfer the paypal account says it has i technical problem the money will be available after 72 hours and i have waited till the 72 hours is gone then they introduce the a knew thing that says my money cant be transfer to me as the have deposited more money in my paypal account wish i can not see it with a naked eye ... .up untill i pay XXXX XXXXXXXX to the client for the additions that i can not see or any thing that say they have deposited money in account but i MUST PAY MR XXXXAL THE BUYER XXXX and they will deposite XXXX to my account ( 1 ) i must e wallet this mr XXXX who already have my product the XXXX XXXXXXXX and i will be able to access this shirty account call paypal, i have mange to save all our conversation with the buyer and paypal accounts manager

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action.

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 2022-03-17
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: Account information incorrect

Complaint:
In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received in XXXX and again in early XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.

Company response to consumer: Closed with explanation