BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Avadyne Health Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My daughter had a XXXX XXXX XXXXn XXXX. The visit was filed on my insurance. We did not receive a bill until XXXX of XXXX. I contacted the XXXX XXXX and was told they were having computer issues at the time of her visit and their bills did not get generated. This was unacceptable to me as this was now the next insurance year and therefore I could not pay properly out of my HSA as it was almost whole year later. I disputes with them and they sent me to collections. The collection agency contacted me and I did pay the balance. They did not report until after I had paid in full. I feel this is very unfair. I work hard to keep everything paid on time and my credit score high. I have contacted the collection agency several times and they will not take it off. XXXX and XXXX removed the item but XXXX would not. I would like the company to understand this error and please make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX : # XXXX {$740.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.

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 2022-10-31
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and XXXX Letters last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
rebelliousness. 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 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

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 2022-05-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX XXXX Address : Address, City, State Zip XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN XXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Current Residency XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date of Birth XXXX XX/XX/XXXX XXXX CURRENT EMPLOYMENT XX/XX/XXXX Current Position XX/XX/XXXX Prior Position XX/XX/XXXX SSN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: MA
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:
Account ending in XXXX with XXXX XXXX  was settled in full for less and closed XX/XX/XXXX with a one time payment as per terms of settled and satisfied terms offered by XXXX XXXX collecting department. 
I have disputed with Experian and the account still shows a balance and account status as charged off. The account status should be settled and be followed with XXXX balance as account is now satisfied. 
I have also attached the terms of the agreement which was reached and satisfied on XX/XX/2020 with a one time payment of amount stated in letter.

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 2020-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was sent a Wage Deduction Notice from a Law Firm named XXXX XXXX XXXX, XXXX. on XX/XX/XXXX. I contacted the debt collector early XX/XX/XXXX. I had spoken with someone at extension XXXX. I was not ever aware of a Capital One Credit Card account of any sort. Allegedly, I opened account # XXXX on XX/XX/XXXX and the account was sent to collections on XX/XX/XXXX & I have two accts on file.I was not aware of these accounts until XX/XX/XXXX from Cap 1 customer rep, XXXX XXXX & when I contacted the law firm responsible for this account. I gathered the following information. 
* XX/XX/XXXX, I allegedly communicated that I disagreed with payment & made payment plans. 
* I was served XX/XX/XXXX * Documentation was sent to my address on unspecified date * Settlement amt sent to my home on unspecified date The other Cap 1 account number is XXXX. I filed a Deceptive Practice Credit Card Report # XXXX. Cap 1 is currently investigating the acct now.I have placed a fraud alert on all 3 credit bureaus. I will do whatever it takes to prove that this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act XXXX  account XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXXXXXX XXXX  Acct number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy, 15 U.S.C 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 explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Name : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
received a letter from United states marshall services that a data breach occured currently i am receing all kinds of credit requires on credit report along with collections.

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 2023-04-27
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an approved credit card number ( not a card ) with a {$4000.00} line of credit in my name in the mail today from a company called Genisis FS Card Services headquartered in XXXX, OR. I called and spoke with their fraud department. The first thing they requested was my social security number. I said no. I offered instead the credit card number they assigned in my name. They were not interested and said I would have to contact the FTC and file an affidavit They would respond to that in about 60 days. I feel this was a phishing expedition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as 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 explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: MA
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, two accounts on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

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.

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.

These inaccuracies are stopping me from providing a home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
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:
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently reviewed a copy of my credit report I found that the charge off account that I paid off in full with XXXX XXXX XXXX was still on my credit report with inaccuracy data furnishing.I had ask for a letter of deletion over the past period in which the creditor agreed to mail me and update the current account status up on paid in full.The item is still reporting inaccurately on my credit report an is hurting my ability to apply for a mortgage for my family

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 2023-06-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX and they werent responding at all until I just recently disputed it with Experian, XXXX, and XXXX while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a consumer.

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 2023-09-26
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
Bankruptcy 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my XXXX  account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation