BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NJ
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: GA
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 have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employment. Im XXXX trying to further my XXXX XXXX XXXX  this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to equifax XXXX and XXXX they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal. This is a nightmare. They have been in violation of the FCRA and CFPB under 15.U.S.C 1681 604 the right to consumer privacy. Please remove this from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was Informed by XXXX XXXX  that I had a collection listed on my credit from an account opened XX/XX/XXXX. This was a shock to me because my credit is fairly new and I pay all bills on time. Upon doing some research i found that this was a medical bill from XX/XX/XXXX with the vague description of XXXX XXXX  XXXX XXXX. Well I had not accumulated this debt so i filed a dispute with the the 3 major credit bureaus. I was informed that this account had been " verified '' as mine as a response through XXXX. This was alarming to me because I had never received any formal documentation of this alleged debt from the original debtor nor the collection agency. In fact, I had no knowledge of this alleged debt until it appeared as a derogatory mark on my growing credit. This is in clear violation of Fair Debt Collection practices as the deceptive nature and maneuvering of this company has denied me the RIGHT to this so called " verified " information and denied my RIGHT to settle or pay in the first place for that matter. They made no attempt to contact me to verify if this debt belongs to me. Its evident that the actions of this company are malicious and I find it predatory that such a thing can happen and I am left hopeless and at the mercy of the very people who have committed this offense. I have made attempts to contact them but to no avail. I have been asked several times to provide " documentation '' to verify my innocence but how? what documentation? I have none because this is not my debt! No one has provided me any verifying documents, including the 3 major  Credit Bureaus! No attempts were ever made to contact me directly, I received no bills, notifications or mail. I feel helpless as a consumer. Please Advise as to what I should/could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MA
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX i to XXXX XXXX  in XXXX XXXX  to buy a car and i was financed bye credit acceptance and they financed me for a car for {$9900.00}. and they financed me for {$21.00} XXXX total and when i bought the car a had to pay to get the car registered so i had to give XXXX an extra {$500.00} for the registration so i did and she said she would send it to the dmv i waited 6 months and then i called her about the registration because i never heard nothing and i called her about it and she said that she had sent it in and that i should of recieved it already but i didnt so i waited 6 more months and nothing so i called her again and asked her if i could just pick up the {$500.00} dollars and i would go to the dmv my self she said she didnt have it that she had already sent it in but i never recieved it so i went to the dmv and XXXXhey dmv said there was no paper work sent in for that car and nothing under my name so i called XXXX at XXXX XXXX  and she was not in that day so i waited a week then i went down there again and she said she did not have the money i told her that the dmv did not get the money i needed the money to register my car i did not have another {$500.00} to pay again so i had to wait until the dmv got the money well they never did and on XX/XX/XXXX i had got stopped bye a [ police officer from XXXX XXXX police station and he said the reason bye he pulled me over because of my registration was exspired for 2 years i asked him when did it exspire he said in XXXX i told him that when i bought the car that the tag where XXXX tags on it so he took my car because of the registration so i went home and called the finance company and told them what happen and they told me they would get me the registration for my car and i told them that when i bought my car that i had payed the {$500.00} for the registration but i never recieved it and they said for me to call them back tommorow they where going to call family auto and i did they ended up calling me and they told me there was nothing they could do well i went down to the dmv and talked to the dmv and they told me that the car was not registered sense XXXX so the tags that where on my car was fraugalent so its a breach of contact and there is nothing they want to do to take care of this problem i told them that im not going to pay for that car because there is fraud

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 2023-05-06
Company: TMX Finance LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 Title Max created 3 fraudulent contracts for various amounts and is trying to make me pay and are holding my title in an attempt to extort money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EGL US, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX, I filed for bankruptcy, and BMG was one of the creditors listed with an outstanding amount of {$6600.00}. Fast forward to XX/XX/XXXX, when I tried to refinance my mortgage, I was informed that BMG still had the account marked as in collections. This persistent problem involves the company reporting my account as in collections, even though it had been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: CA
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 implore you to devote the necessary time and attention to expunge the late dates and negative remarks from my credit report. In the current economic climate, I can not afford the repercussions of inaccurate information negatively affecting my credit score. I anticipate the receipt of an updated copy of my credit report that reflects these vital changes within a period of XXXX ( XXXX ) days. XXXX XXXX XXXX XXXX  - I have consistently made timely payments and have never been delinquent. I insist that the late payment notations be promptly corrected to accurately reflect my payment history. I demand the removal of the late dates and a status update to " paid/never late. '' Please note that I'm the XXXX filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America has AGAIN allowed someone to open a checking account in my name. This is the same problem as my previous complaint XXXX. It has happened in XX/XX/22 and XX/XX/22 previously. The product is a " Bank of America Advantage SafeBalance Banking Account ''. My credit is frozen with all three agencies. Last time I fixed this with Bank of America they promised they would not allow this to happen again. The fradulent activity includes the opening of the account and signing up for mobile banking. They also allow this to happen without verifying my email address ( I know because I checked what devices are logged into my gmail account ). 

It is difficult to get ahold of Bank of America because they require a full account number and credentials! Obviously I don't have those. 

I don't really understand the fraudster 's play here, but my wife and I are trying to buy a house and I can't risk any identify theft right now.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 

XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act : The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. these liberties have not been afforded to me. I must be told if information in your file has been used against you. I have not been informed accordingly as well credit reporting agencies must correct or delete inaccuracies, incomplete, or unverifiable information. Also it states consumer reporting agencies can not report outdated negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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.

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 inructions 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
File number XXXX issued date XX/XX/XXXX dispute results..transunion did not contact the data furnisher there is no update date showing..date updated XX/XX/XXXX has not changed was there an investigation done? If there was, the creditor violated sec 623 a 3 notice of dispute by consumer. This grounds for deletion. 15 usc 1681i.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate

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 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act, the accounts numbers XXXX XXXX the company XXXX XXXX XXXX the total debt is {$9100.00} has violated my rights. 
Pursuant to the Fair Credit Reporting Act, Section 1681i ( a ) ( 5 ) ( B ) ( iii ) ( III ), you are obligated to include my statement in any subsequent consumer report that includes the disputes information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for bankruptcy on XX/XX/XXXX ( case bk 23:00556 in Florida XXXX XXXX. Capstone was listed as an owed creditor. On XX/XX/XXXX, I received two letters requesting for a settlement of the debt which was listed on my list of creditors. The creditor used my filing notice to update the address in their records and violated the automatic stay which is in place today.by contacting me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good day, there has been incorrect address associated with my credit report. Below I have listed the addresses that have been incorrectly reported on my credit report. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXXXXXX, WA XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Address : XXXX XXXX XXXX XXXX XXXX, IN 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good day, there has been incorrect address associated with my credit report. Below I have listed the addresses that have been incorrectly reported on my credit report. 

Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, WA XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Address : XXXX XXXX XXXX XXXX XXXX, IN 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