BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: MS
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:
Recently, I did an investigation on my report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: CA
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:
Im sending in my dispute letters to the credit bureau and Im getting a generated response from the credit bureau stating that they dont believe the letter came from me and they are not responding or investigating my report correctly and I would like a response promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: NJ
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:
After reviewing the investigation results from XXXX, XXXX, and Experian from XX/XX/XXXX the following accounts were claimed to be verified as accurate according to XXXX, XXXX, and Experian. You are in violation of FCRA 607 ( B ) accuracy of report.

After their investigation I have found various inaccuracies and I want these accounts deleted from my consumer report. 

Delete the following accounts : 1. XXXX XXXX Acct : XXXX Last verified nothing is reporting for Experian also this account is not reporting on XXXX XXXX XXXX XXXX Experian, please delete this account. 

2. XXXX XXXX Acct # XXXX last verified XXXX has a date of XX/XX/XXXX and Experian and XXXX nothing reporting. Which one is accurate? Balanced owed and account type are inconsistent. Please delete this account. Total of XXXX violations 3. XXXX XXXX Acct # XXXX last verified XXXX has XX/XX/XXXX and Experian and XXXX nothing reporting. Date opened and payments status are inconsistent. Total of XXXX violations. 

4. XXXX  XXXX Acct # XXXX last verified XXXX has XX/XX/XXXX and Experian and XXXX nothing reporting. Date opened and account status are inconsistent. Total of XXXX violations. 
5. XXXX XXXX Acct # XXXX last verified XXXX has XX/XX/XXXX and Experian and XXXX nothing reporting. Date of last activity and last payment status are inconsistent. Total of XXXX violations. 

FCRA states all information reporting must be 100 % accurate. Please delete this accounts for they have caused damages to my livelihood. I have filed a complaint with the CFPB, According to FCRA I can sue for a {$1000.00} per violation and there are currently XXXX violations. I want these 5 accounts deleted from my consumer report. 

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Attached are copies of my most current credit report.

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 2023-08-13
Company: CITIBANK, N.A.
State: PA
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:
In XXXX, while I was travelling in XXXX, there were 7 fraudulent charges made in the US, they were disputed and removed. but the charges keep coming back the latest charges are for {$270.00}. I have asked for the account to be closed. and no further charges be allowed and that is not happening. 

charge : XXXX XXXX XXXX XXXX 
unknown charge/running charge - {$270.00} I have ben disputing and resolving and back and forth since XX/XX/XXXX. I want the account close and no charges be allowed. 


Date Description Amount Running Balance XX/XX/2023 CREDIT INTEREST CHARGES {$2.00} {$270.00} XX/XX/2023 XXXX XXXX XXXX {$130.00} {$270.00} 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 monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: AZ
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, Account # XXXX, Account # 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

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The reporting agency response is that an item has been verified. I reached out to the the Bankruptcy court and they verified that they do not release any information regarding bankruptcy to credit agencies. It is also listed on their website. This is fraudulent behavior on behalf of the credit agencies.because I did not authorize or consent to my information being shared or given. 
I spoke with the AZ court clerk named XXXX and she confirmed they do not release this information to credit agencies. And she walked me to the official site that says the same.

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 2018-05-18
Company: Credit Plus Inc
State: NC
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:
I did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX  and XXXX  attachment is my police report for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I would like to inform you of a blatant case of negligence and gross mismanagement at Bank of America ( BOFA ) which has led to a fraudulent theft of {$15000.00} from my checking account. I wrote a check for the forementioned sum to the US Treasury as an estimated tax on XX/XX/XXXX and mailed it via the USPS to the IRS. Upon checking my online account on XXXX I noticed that the check was cashed on XX/XX/XXXX, but not by the XXXX Treasury but by a fraudster. My check was crudely and obviously doctored to place the bogus name in the payee line and the memo line which contained my SS #. Doubtless the check was deposited into a fraudulent account via an ATM or cell phone and obviously no sentient employee at BOFA looked at the check ( or its image ) to determine whether it was authentic or not and additionally BOFA appears not to possess competent image processing software useful for identifying blatant fraud. 

You would think that an obvious fraud such as this would be readily dealt with by BOFA by crediting my checking account immediately for {$15000.00} subsequent to my calling the fraud department at the bank on multiple occasions ( beginning on Oand also describing the fraud to a functionary at a branch of the bank. A reporting form was to be sent to me by email and or mail. I have received neither and was told that a BOFA investigation could take XXXX days. This is absurd because anyone could look at the check image and immediately see that it was forged. So not only is this bank incompetent and negligent in dealing with electronic transactions but it also creates obstacles to fairly dealing with customers in a timely fashion who have suffered losses occasioned by BOFA 's carelessness. I need to also know exactly when my account will be credited for the stolen {$15000.00}. I expect it to be immediate as any investigation needs to occur on the bank 's time and not mine. Secondly, I need to know how BOFA is going to ensure that electronic transactions are safely and adroitly handled. Certainly BOFA 's profits doubtless increase with fewer tellers and more ATM/phone transactions, but this cant be at the expense of blatant fraud against customers and totally inadequate customer service.

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 monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX rXXXX XXXX  and XXXX and XXXX Are reporting balances and Late payments on closed accounts on my credit report. If the original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. They are not original creditors as follows XXXX  XXXX  # XXXX XXXX XXXX  # XXXX XXXX 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
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TX
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 Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights! 

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C Section 604a A Section 2 It also states a consumer reporting agency can not furnish a account without my written consent These accounts do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 mailed letters to XXXX, XXXX, and TransUnion on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed items were furnished and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information and contacted XXXX XXXX XXXX listed on my credit reports and was informed that this information was never supplied to any consumer reporting agencies.

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 2022-10-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX  charged account off and is still reporting account as late and passed due which is an FCRA violation. They wrote debt off for tax purposes without providing proper documentation to me. When an account is charged off it must not report a PAST DUE amount nor report monthly as CO which they are currently doing. Ive submitted numerous investigations to the bureaus and notified the company of their violations. 

This account couldnt been verified or investigated properly because its not even being reported correctly. Another federal violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: DC
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: MD
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 confidentially under 15 USC 1681. Convergent Accounts # XXXX ( XXXX XXXX XXXX {$850.00}, XXXX XXXXXXXX {$800.00}, XXXX {$0.00}, XXXX {$700.00} 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 XXXX 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 the information is inaccurate. I sent serval disputes to these companies and they yet to follow you guys rules and laws. I am ready to take legal actions if I don't get a fair and proper insvestagation or these fraudulent accounts be remove 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: AmeriCollect
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: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple requests to XXXX about a collection account on my credit report. 

I wrote a letter dated XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking XXXX to investigate an account. XXXX 's latest response was on XX/XX/2022 which was their latest update that the account was verified and updated on Report Number XXXX. I originally asked for a description of your procedures on XX/XX/2022 and XXXX failed to respond with the information that I have originally requested. 

At this point, I am so upset and I feel so abused by their company that I have decided to file complaints. XXXX has ignored me, treated me like an uneducated consumer, and caused my family and me great distress. Leaving bad information on my file has prevented me from obtaining credit to get a loan that is needed for consolidating debt and this is not fair to me or my family. 

I have also expressed to XXXX that the Americollect account is not valid and is in violation of my XXXX rights. I never signed and authorized a XXXX release form for them to have my personal medical information and yet they do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
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: Personal information incorrect

Complaint:
I reviewed my credit report and found some inaccuracies. I have enclosed a copy of my ID as proof of my identity and mailing address, and credit report number. Please remove all other names and pervious addresses from my credit report. 
Please mail me a copy of the complete consumer file that you have on me after you act on this dispute. If verified, I request a description of the procedure used to determine the accuracy or completeness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint involves two separate accounts, both accounts were purchased By Portfolio Recovery Associates and both account 's share the same Original Creditor ( XXXX XXXX XXXX 

The account for the amount of XXXX doesn't match the account placed by the original creditor which States the amount is XXXX also The account placed by XXXX XXXX States the account was closed XX/XX/2018 and the date of the last payment reported by XXXX XXXX is XX/XX/2018. It also states that the account was closed by me. so they are claiming I made a payment 8 months after I closed the account. 

I did close that account, because it was a secured credit card backed with a XXXX deposit. other wise they would never have closed a " delinquent '' upon request. why XXXX XXXX sold this account to a collection agency and why the collection agency added all these extra fees is difficult to understand. 

The second account seems to have similar discrepancies. between the amount reported and the amount being collected by Portfolio Recovery services. though the difference is less then XXXX dollars, but they clearly state on their letter I uploaded that they did not add any additional charges. I also Believe, but am not definitively certain as the first account, that this was also a secured credit card as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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:
I have not supplied proof the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.

Company response to consumer: Closed with explanation