BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent XXXX separate letters on XX/XX/2023 and XX/XX/2023 advising of incorrect information to be removed with accounts that were inaccurately reporting. I asked for proof of those alleged accounts with my wet signature and if they were unable to do that, to please remove that misleading information from my account. The company sent a letter saying it was verified, with no proof, and they can not reinvestigate.

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 2023-07-29
Company: EQUIFAX, INC.
State: TX
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX Bank on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
GM Financial declined payment assistance during Covid-19 pandemic. Predicated any assistance on the payment of a predatory {$89.00} fee. This has caused 4 late payments to show up on my account. They also charged fees for payment assistance during other federal natural disasters. Additionally, what makes matters more frustrating, is that their website was down for payments on multiple occasions. This caused a 30-day late to become a 60-day late for XX/XX/2020. I believe this was done intentionally to cause additional late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EOS CCA LOCATED AT: XXXX XXXX XXXX XXXX, MA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, 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:
The following accounts have been sold without my consent and many inaccuracies with the payment history, status, balance, monthly up-dates. I have disputed the validity of the same accounts with no success. The accounts are in violation of 15 USC 1681. Removal of these accounts are required from XXXX, XXXX and Equifax - XXXX XXXX XXXX sold to : XXXX XXXX XXXX Acct : XXXX - XXXX XXXX. 
Acct : XXXX OR Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX XXXX . 
Acct : XXXX - XXXX XXXX. 
Acct : XXXX - XXXX XXXX. 
Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX Acct : XXXX - XXXX Acct : XXXX - XXXX XXXX XXXX ( no info. ) Acct : XXXX - XXXX XXXX XXXX Acct : XXXX -XXXX XXXX Acct : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I gave my 30 day notice to my former apartment complex, which they received and were given keys as well in person XX/XX/20. We moved due to a Roach infestation that has been an issue since the very first week of moving there and we were convinced the property had no roaches and told its not the buildings fault, however every unit had roaches. The manager was extremely rude my entire time in this building and would not speak to me but only to my partner because he spoke XXXX. She would yell at me, degrade me and make disrespectful comments to my family. We lived there for 2 years and the building was not maintained, rent always increased and multiple times without notice, and now that weve moved during Covid because of the roach issue and we were accepted to participate in the ERAS rent relief program with XXXX city who worked directly with the manager and now I see a collections report of over XXXX owed which was never even mentioned, they never returned our deposit to us, nor is it possible to owe them that much money. I was never notified of this until I saw it show up on my credit report. This company has done multiple illegal issues throughout our time living there and I can not pay that amount, especially when it is not accurate and I dont know why it is there.please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 for these companies to update my personal information on all my credit reports. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. 
XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, 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. 
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. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-13
Company: Experian Information Solutions 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:
I am writing to bring to your attention a matter of utmost importance regarding the information contained in my consumer credit report, which I believe is in violation of 15 USC 1681A. This federal statute outlines the definitions of terms used in the context of consumer reporting agencies, and I wish to draw your attention to a specific section. 

According to 15 USC 1681A, Section 1681a ( d ) ( 1 ) ( A ) ( i ) states : " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' It has come to my attention that my consumer credit report maintained by your agency contains information that may be in direct violation of this provision. Specifically, there are items in my credit report that appear to include information that is not solely related to transactions or experiences between myself and the reporting entities. 

I demand that you thoroughly review my credit report in accordance with the aforementioned statute and take the necessary steps to rectify any violations of this provision promptly. I expect that any information not in compliance with 15 USC 1681A will be promptly removed or corrected to ensure compliance with federal law. 

Please provide me with written confirmation of your actions in response to this matter within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). Failure to address this issue within the stipulated time frame may compel me to seek legal remedies available to me under the FCRA. 

I appreciate your immediate attention to this matter and your commitment to ensuring compliance with federal law in all aspects of consumer credit reporting.

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 2021-04-18
Company: Experian Information Solutions Inc.
State: IN
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:
I have disputed wrong addresses on my credit report several time and XXXX, XXXX, Experian still housing the wrong information on my credit report. 

I will be seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity 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 2023-07-30
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: Information belongs to someone else

Complaint:
4 years now I've been dealing with the three credit companies back and forth repetitively since the data breach of Equifax in 2017. Today I am riddled with fols inquiries unauthorized inquiries accounts that were not in mind and went to collections and I'm still being charged for even though I've submitted several FTC reports and police reports XXXX car based inquiries are ridiculous and keep me and my family since I'm a single dad with three little girls from ever having a decent life XXXX XXXX XXXX anyway XXXX XXXX XXXX XXXX all false and submitted in an FTC report several times and a report from the commission overseeing the Equifax breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
REFUSAL TO REMOVE INACCURATE FRADULENT ACCOUNT AS PER FCRA ON MY CREDIT REPORT. DEFAMATION OF REPUTATION VIA CREDIT. DESPITE NUMEROUS ATTEMPTS OF CONTACT, NO AVAIL. MIDLAND CREDIT MANAGEMENT HAS NOT RESPONDED TO DEBT VALIDATION REQUEST. THIS ACCOUNT WAS A RESULT OF IDENEITY THEFT AS I HAVE NO KNOWLEDGE OF ANY SUCH ACCOUNT AND IT IS BEING USED AGAINST ME. PREDATORY TACTICS, HARASSMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
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:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) 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. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.

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 2021-04-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am POD/POA on an account with my father at Wells Fargo. After his death, I called customer service and sent then all the requested documents which were the Death Certificate and letters of Administration from the Surrogate 's Office. A month and a half later, I received an email stating my request to close the account and release the money had been rejected and they asked for additional forms. I sent those items by XXXX, but have had no response for over a month. They continue to hold over {$50000.00}.

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 explanation
Consumer complaint received 2023-07-30
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/23 I called IC Systems after having disputed it on my credit report because it was not my debt. IC Systems verified the debt with XXXX, but when I called them they didn't even know where the mailing address or service address was. They were unable to verify any key information on this debt, refused to send me validation of the debt, were forcing me to communicate in a way I did not want, and that was not convenient for me, requiring I file police reports for a debt that was not mine and I knew nothing about, and take legal action against I don't know who. This violated Regulation Z, F, FCBA, DTPA, federal and state debt collection laws, and more. 

XX/XX/23 I emailed them a letter notifying them of these violations, as well as their illegal actions to re-age this fraudulent debt. I also notified them this had been on my credit report before by 2 other creditors. The original was XXXX XXXX, mind you I live in XXXX XXXX and the other XXXX XXXX XXXX. Both times this had been tied to me in error, neither company was able to verify the debt, and in my last conversation with XXXX XXXX, they said they would remove this debt as they verified it was not mine. 

No details on the original creditor other than the name XXXX XXXX were provided by XXXX or IC Systems. They were unable to even provide this basic information or any validating information on this debt. They didn't have the dates of the supposed service, service address, payment history, or any records or bills of any kind. They also didn't have the last four of my social until I finally gave it to them, as they stated they needed it to look up the account. However, in the call transcript, you can hear the creditor representative talking to her boss saying there was no information. I have also attached a transcript of my call with IC Systems and a follow-up email letter. 

Yet it's been placed on my credit report again, re-aged and unverified. They have refused to verify it, or remove it from my credit report which has caused significant damage! 

In my initial dispute with XXXX, XXXX stated it was validated by the creditor, but failed to provide a means, method, or reason as to how it was validated if they didn't even know the address or dates of service this account was for. Thus XXXX failed to actually investigate and validate this debt as they are obligated to. 

Should this not be immediately remedied I fear I will have to seek out compensation from both the creditor and XXXX for the significant damage it has caused.

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 2022-06-17
Company: EQUIFAX, 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 XXXX  XXXX XXXX account # XXXX, XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation