BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove all other address attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: WV
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 have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with XXXX. Even when Im a XXXX they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX XXXX. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to the collection Comapny several times and explained that the amount reported was incorrect. I even requested a debt verification letter which I never received. I explain to them that I have proof that I only owe XXXX and XXXX dollars which they refuse to accept as proof. They have reported 16 times the amount owed ( XXXX ) which had damaged my credit and ability to get credit. These tactics are unfair and unethical and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Self Financial Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following company never proved their methods of verification through several stages of written credit disputes : SELF / XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: PA
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, this creditor has violated my rights. Under Fair Credit Reporting Act 15 U.S.C.1681 section 602, I have the right to privacy. Fair Credit Reporting Act 15 U.S.C. section 604a part 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under Fair Credit Reporting Act 15 U.S.C.1666b, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: LA
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:
I have collection accounts on my credit report and late payments that do not belong to me. I want the accounts removed from my credit report. Here is my FTC report as well. 


Equifax credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXXXXXX have 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 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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion will not remove a ch XXXX bankruptcy that is fraudulently on my report. The date filed is showing XX/XX/XXXX and the date updated is XX/XX/XXXX from the CH XXXX bankruptcy attorney XXXX  XXXX XXXX US Bankruptcy Court. Very frustrating! Tried calling today and a very rude representative absolutely would not remove this public record stating that Transunion did not have any documents on file which is not true. I have been sending them documents since XX/XX/2019. They just would refuse to fix it. I need help. I'm attaching all documents that I can and I would like resolution to this. Its ' very unfair to have a false bankruptcy listed on all my credit reports.

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 2023-06-05
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2019 I purchased a {$100.00} Visa gift card for my grand-daughter. I gave it to her on graduation night XX/XX/XXXX. On XX/XX/XXXX, she called and told me she had spoken with Visa when she tried to register the card and found the money was spent. According to Visa it was spent on XX/XX/XXXX. She didn't even have possession of the card then. She found someone had registered it and transferred it to their XX/XX/XXXX account without the pin number. I called Visa XX/XX/XXXX.Visa told me it was probably stolen online. Told to fax front and back of card, my ID, Copy of receipt from store. Because it had been 7 weeks since purchase, I no longer has the original receipt. The said no problem, get copy from XXXX/XXXX. I faxed info first time on XX/XX/XXXX. Called XX/XX/XXXX. Told it takes 10 days to get in computer, call back in a few days. Called again XX/XX/XXXX. Fax not found. Found out I had not faxed all the info needed. Needed case number listed on each page, needed to put on cover sheet proof of ownership and change owner to my name and address. Re-faxed XX/XX/XXXX. Called XX/XX/XXXX no fax in computer. Called XX/XX/XXXX told it was denied because they wouldn't accept copy of receipt from store. What!! This is a major chain. The last 4 of my Debit card is on it, my fresh value customer number is on it, been mine for 24 years, first 10 numbers of gift card on it. I don't know what else they want. they said copy of receipt from store not good enough. It has been 4 months of calls and faxes. I'm done fighting with them and need some help to resolve this. Thanks, 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 2023-09-27
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 been disputing this account for a very long time with Equifax. I disputed this information with all three bureaus for multiple reason, mainly because of the inaccurate information, it being a charge-off ( so no debt is owed to the original lender ), and because the account is not mine. My address has never been the XXXX XXXX XXXX XXXX, XXXX XXXX and I have never been an employee of XXXX XXXX XXXX XXXXXXXX I contacted the Secretary of State in Mississippi and informed them of this information. I was then told that anyone is able to add an individual as a managing member of their business without consent and they informed me to contact the person or business to have me removed. This individual is refusing to do so. I will attach a screenshot of the conversation of me asking him to remove me from his business. Furthermore, I asked Equifax, and the company via phone call, to validate this inaccurate/incorrect account that they are reporting on my credit profile and to show proof of original contract that bares my signature, nothing computerized, and that shows my signature, the same signature that is on my valid and current State of Georgia Driver 's License. They failed to show proof. The documents as you will see does not show proof of my signature anywhere, on any of the documentation. Equifax is the only credit reporting agency that is refusing to acknowledge that they are reporting this information inaccurately. Equifax is in violation of the following consumer laws with regards to this matter : 15 U.S.C. 1681i ( 7 ) 15 usc ( 6 ) ( B ) ( iii ) FCRA,15 U.S. Code 1681e ( b ) under 15 U.S. Code 1681n 15 U.S. Code 1681o Law 15 U.S.C. 1681i ( 6 ) 15 US Code 1681n ( b ) This false and inaccurate information is affecting my credit worthiness and it is making me look very bad to lenders. Also, it is affecting my mental health because I have tried very hard for the past 8 years to build my credit so that I may pursue goals of purchasing a home and accomplish other goals that I have and this continues to affect my XXXX. 

Please see all of the attachments of letters sent to them, the conversation between myself and the individual that has falsely and illegally added me to his business without my consent, and the results they recently sent me back in the mail to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: IL
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX  I tried to open a bank account at XXXX XXXX  and at the end of the application the representative tells me that I have a problem with Bank Of Amrica and that I should call Bank Of Amrica to solve that problem, I immediately asked I tried to communicate with Bank Of Amrica and when I spoke with one of their representatives, the only thing they told me was that I could not have an account with them for a duration of 6 years, I asked them to explain the reason and why I can not open an account with Bank Of America within 6 years and they responded by telling me that my account was involved in fraud, but I responded by saying that how can my account be in fraud if I stop using it since I finished working for the XXXX XXXX XXXX XXXX  team I stopped using my Bank Of America debit card because at that time I was no longer working and I was not going to need it, because the only thing I used it for was to receive my payments and withdraw the money, please I want to clarify that I have no idea what they are telling me and I want you to please correct that error because I have tried to open another bank account with XXXX XXXX 's but they tell me about the same problem I have with Bank Of America and I want you to please solve that problem as soon as possible. Thank you!

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 2022-05-02
Company: CONGRESS COLLECTION CORP
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was sent two notices from a company by the name of Congress Collection. They are both dated XX/XX/2022. One is in the amount of XXXX and the other is in the amount of XXXX. Both of these matters were forwarded to a collection agency by XXXX XXXX XXXX a ignition interlock company. The company stated they had sent me a bill on XX/XX/XXXX and this was never received. Previously they would email, send a bill, and even call when there was an amount due. I never received any notification at all that there was any amount due until I received these notices from a collection agency. The amounts shown on the notices has all kinds of charges that dont pertain to my accounts. First they have a retrieval fee, and I sent the devices back. They have lease amounts that are incorrect due to the fact I have documentation signed by a judge that orders half price monthly fees. Then they are stating I owe fees for this matter being sent to collections when I was never notified. The collection agency stated that my credit will be affected if I dont make payments on these accounts. Im very frustrated with this entire thing because I just spent 3 years cleaning up my credit history. I understand that there may be amounts due and am willing to take care of what I owe however the way this has been handled I believe is predatory.

Company response to consumer: Closed with explanation