BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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 # XXXXXXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2022-01-19
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent Southwest Credit Systems a letter disputing a collection account that they claimed I owed {$170.00}. I asked them to send me proof bearing my signature that I had some legal obligation to pay them and they responded by sending me an invoice from XXXX. I didn't have an account with XXXX and I believe that the invoices that they sent are fraudulent. They responded on XX/XX/XXXX with the fake invoices. I again asked them to remove the collection account because they didn't mark the account disputed within the allocated 30 day time frame from signing for the first letter. This letter didn't show any proof bearing my signature that I had some legal obligation to pay them. I asked them to again validate the account and if they couldn't validate the account, they should remove it. They signed for this letter on XX/XX/XXXX and instead of sending me proof bearing my signature, they sent me an even bigger packed of falsified billing statements. They aren't adhering to fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: A.R.M. Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
REQUESTED THE XXXX XXXX XXXX XXXX NEWSPAPER TO START HOME DELIVERY XXXX, XXXX. RECEIVED HOME DELIVERY OF THE PAPER UNTIL WE BECAME VERY DISSATISFIED WHITH THE PAPER 'S CONTENT AND IT'S HIGH COST. THE AGREEMENT WAS TO PAY IN ADVANCE FOR THE PAPER. LAST PAYMENT SENT WAS XX/XX/XXXX WHICH WAS TO COVER THE COST OF THE PAPER THRU XX/XX/XXXX. WE RECEIVED SEVERAL NOTICES THAT OUR SUBSCRIPTION WAS ABOUT TO EXPIRE SO WE LET IT EXPIRE. THE PAPER CONTINUED TO BE DELIVERED WITHOUT OUR PERMISSION OR PAYMENT FOR APPROXIMATELY 30 MORE DAYS. THEN WE GOT A NOTICE FROM A.R.M. 
XXXX XXXX, XXXX, CA, A DEBT COLLECTOR, DATED XX/XX/XXXX, SAYING WE WERE DELIQUENT FOR {$300.00}. WE FEEL A DISHONEST TACTIC HAS BEEN EMPLOYED BY THE XXXX XXXX XXXX XXXX BY DELIVERING AN UNASKED FOR PRODUCT AND THEN SENDING US A BILL FOR IT, AND THEN AN ATTEMPT TO TARNISH AND THREATEN OUR CREDIT SCORE BY SENDING A DEBT COLLECTOR AFTER US.

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 2023-09-30
Company: Experian Information Solutions 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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 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 2022-10-17
Company: EQUIFAX, INC.
State: AZ
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:
My problem is Equifax, XXXX XXXX. They are putting a name on my credit report that's not mine. My name is XXXX XXXX, not XXXX XXXX. They're saying that XXXX XXXX is accurate. That's not my name. I sent them my Driver 's license with my name on it. That's identifying me. But they're refusing to correct it. I want it to be Immediately removed and corrected on my credit report. I want my true name on my report and no other name that's not mine. I also want to be compensated for this dispute. Because I'm trying to get a mortgage and it's causing me problems to do so. I want to be compensated {$1000.00} for there disregard of my credit report and my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity Bank/XXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$360.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the Comenity account number is XXXX. This Comenity Bank/XXXX  account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I may have left my social security information or maybe paperwork was around me upon moving from place to place. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We occupied the townhome for two years XXXX XXXX. Every single rent payment was made on time, we took the utmost care of the place staying in close contact when repairs were needed and vacated with the exterior and interior in excellent order. 
The security deposit in place was {$3500.00}. We received a refund from XXXX of {$940.00} on XX/XX/XXXX after the landlord, inspected the property on XX/XX/XXXX. On XX/XX/XXXX, an additional {$50.00} check was disbursed to our name, once the landlord confirmed the garage door opener had indeed, been returned by us. Both checks were deposited into our account. Despite this reduced deposit at final accounting, the landlord reopened the account at the end of XXXX we received a demand letter for {$1700.00}. 
In the XX/XX/XXXX report by the landlord, XXXX  % of the results are marked satisfactory. In the column for items the landlord marks action needed are considered normal wear and tear on the walls and baseboards. We had the unit cleaned by a professional service. Our maintenance service manager and a commercial painter spent time in the townhome patching walls touching up any cosmetic issues. 
The charges in the amount of {$1700.00} are not in line with the condition of the unit and the terms of the lease. Furthermore, these are unsubstantiated and baseless damage claims against our deposit should be reprehensible. 
A letter arrived from the debt collector on behalf of the landlord XX/XX/XXXX saying we had the opportunity to respond by XX/XX/XXXX in writing to dispute so I responded in writing on XX/XX/XXXX. On XX/XX/XXXX, we were sent to collections and the {$1700.00} is considered " valid. '' Please let us know should you like us to furnish documents and photos from our records for your review and consideration. We hope to resolve this matter promptly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable.

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions.

Thank you for your immediate attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: WI
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:
I have tried repeatedly to resolve issues with incorrect information on my report with Equifax. Equifax ignores my letters and repeatedly adds incorrect descriptors and or inaccurate comments to my XXXX XXXX Accounts. Recently they added a fraudulent descriptor to one of my XXXX XXXX Credit Card accounts. Equifax is violating my consumer rights and FCRA guidelines by ignoring letters Ive sent requesting them to delete the inaccurate remarks/descriptors and by adding these as they are blatantly false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022 I notified XXXX that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided XXXX with my written consent to furnish this information on my consumer report XXXX XXXX XXXX  XXXX. With that being said XXXX is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent letters to the three major credit bureau from XX/XX/2020 till XX/XX/2020 letting them know the information on my account was incorrect or not mine and i haven't received any response or validation of these accounts

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 2022-10-27
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:
Im submitting a complaint to you today to inform you, when I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range.I 've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. As required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXXXXXX ] ( ( a ) Information on file ; sources ; report recipients. Every ( XXXX ) shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$24000.00}

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 2022-12-06
Company: EQUIFAX, INC.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm getting increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the essential strides to illuminate all of you regarding the mistakes. By and by all of you are not doing your part to determine my issues. My family and I are getting exceptionally fretful. My lawyer advised me to send this letter to alarm you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms actually like every other person. I'm a shopper that will not be a survivor of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal intends to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Detailing bogus data on somebody's credit report is unfavorable to a shopper 's standing. Sending letters an endeavor to gather obligation from a shopper who obligations don't have a place with is likewise a type of provocation which is another infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or Danger OF Brutality or other criminal intends to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Precision and decency of credit announcing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for exploring and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Purchasers. You can survey my acknowledge report as proof to see that my standing indeed has been demolished. This part unmistakably says that a customer 's credit report was set up to recognize an Overall Standing OF Purchasers. Likewise, I expressed before I was a casualty of the XXXX  Information Penetrate.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted Experian, XXXX, and XXXX to dispute a late payment reported by XXXX XXXX account XXXX XXXX 

On XX/XX/2023 to request validation of debt. 
Experian XXXX and XXXX report to me the debt is valid, yet the furnisher XXXX has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my Experian, XXXX, and XXXX consumer reports. It is damaging and and unlawful.

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 2022-12-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Concerned, I initiated an International Wire Transfer on XXXX in the amount of {$10000.00} with Citizens Bank in XXXX, NY located at XXXX XXXX XXXX, XXXX XXXX NY XXXX to transfer to my biological brother in XXXX XXXX As provided information from the banker named XXXX, money was supposed to be available to the beneficiary recipient within 2 to 3 business days. It has been more than 3 weeks and there is trace of that money with any bank. I have tried numerous times to contact Citizens Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but been disappointed as I could not get any information about that wire transfer. During this period of time I did not get a single satisfactory response from both of the banks involved despite multiple attempts. I paid {$80.00} tranfer fee in addition to the actual transferred amount of {$10000.00}. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'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 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 non-monetary relief