BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: YSA ARM LLC DBA Oxygen XL
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Oxygen Recovery Group is attempting to collect a debt that is not owed. The original creditor is XXXX XXXX, XXXX. They said the collection is for an early termination fee of {$990.00} plus fees. I never had a contract with them, so there is no way I terminated a contract early. I have asked for ( and not received ) written proof of this contract. They also said this occurred in XX/XX/XXXX, but the first Ive heard of it or received any information regarding it is the collection on my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX Bank of America XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ATTN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, I recently received my XXXX, XXXX, and XXXX consumer reports and noticed that my experience with your company is being reported. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( UTILIZATION ) on my consumer reports. 

XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. 

XXXX XXXX XXXX XXXX Account XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX Your Company Is In Clear Violation Of The Law. Pursuant to 15 U.S.C. 1681.2 ( A ) ( i ). 

- EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to section 1681-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer me XXXX XXXX and you XXXX XXXX , Bank Of America , XXXX XXXX XXXXXXXX XXXX , XXXX XXXX XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXXXXXX are Making the report is NOT TO BE INCLUDED on my Consumer report. 

Utilization is an experience with the line of credit that was extended between the consumer me, XXXX XXXX and you XXXX XXXX, XXXX XXXX XXXX XXXX, Bank Of America, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that is making the report. CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. 

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( utilization ) on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my CONSUMER REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX 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 2021-05-20
Company: EQUIFAX, INC.
State: OH
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I don't recall having a HAND WRITTEN agreement with any of the following companies that have been reporting falsely on my credit. I don't know who any of these companies are, therefore I demand the following accounts be verified or deleted immediately. 
: 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 explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my profound dissatisfaction and concern regarding the persistent errors in removing fraudulent items from my credit report. Despite numerous attempts to rectify this issue, the inaccuracies persist, posing a significant threat to my financial well-being and personal security. 

I initially reported instances of fraud, and since then, I have diligently followed the established dispute resolution procedures to rectify the fraudulent items on my credit report. Regrettably, my efforts have been met with limited success, as the fraudulent entries continue to tarnish my credit history. 

I have submitted all required documentation, affidavits, and police reports, consistently followed the appropriate procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I insist on an immediate and thorough investigation into these matters. I demand the prompt removal of all fraudulent items from my credit report, as well as a comprehensive update reflecting the accurate and verified information. Additionally, I expect a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only harm my creditworthiness but also expose me to potential financial and identity-related risks. I trust that Credit Bureaus takes these concerns seriously and is committed to maintaining the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: Asset Recovery Solutions, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Over 12 years ago, I had a checking account with XXXX XXXX. I had several outstanding Payday loans, which became overwhelming. I quickly became overdrawn with the bank and received multiple charges for being overdrawn. It became so bad that I my entire check, which was direct deposited, was getting taken by these charges. I went to the bank and told them my problem and asked to close the account so that I could deal with the loans. The bank refused to close my account and continued to amass fees which totaled over several thousand dollars. I, finally, stopped my check from being deposited to XXXX. The continued to bill me these charges until the payday loan companies stopped attempting to collect from them. Now, I am being threatened Asset Recovery Solutions LLC for {$2200.00} I had talked many times with XXXX over ten years ago about trying to explain this billing which I felt was excessive and illegal. They took several thousand in my total paychecks when my account was open with them. I feel that I have overpaid them already and should have debt collection agency bothering me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: UT
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 three major credit bureaus are reporting an erroneously on my account and it must be fixed immediately. I have been disputing this account for some time now and have recently received a deletion letter for the account. I sent the deletion letter to all 3 credit bureaus but every time I take a look at my credit it continues to report. The late on XXXX XXXX XXXX is inaccurate. I have attached a letter stating so. This is keeping me from being able to buy a home and needs to be resolved ASAP.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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've recently been in constant contact with Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, XXXX, or XXXX consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Transunion has failed miserably. Transunion in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. XXXX XXXX XXXX  # XXXX, 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 explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: SC
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX XXXX Balance : {$190.00}

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 2022-04-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( XXXX and XXXX ). I've submitted this complaint 4 times & you are claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX and XXXXwith an affidavit & FTC fraudulent report to support my position. It seems XXXX and XXXX are violating FCRA sections 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see that this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
I have filed 3 separate disputes with XXXX, Experian, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.

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 2022-07-12
Company: EQUIFAX, INC.
State: CO
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 asked XXXX, Equifax, XXXX to fix a bad report for late payment to XXXX I feel XXXX is guilty of corporate wide fraud. When closing my XXXX  account many months ago I discovered the XXXX  customer service online and by phone were completely inoperable. I went to the closest XXXX store at : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ( XXXX ) XXXX and officially and completely closed my internet account. Then many months later I began to receive bills from XXXX  from this closed account. I again went to the same store and talked to the Store manager explaining the above and that I did not owe XXXX any money. The store manager agreed to cancel this " debt ''. later, I wrote the Debt collecting agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone XXXX, giving this info and explained I did not owe them any money. 

XXXX has accepted my dispute, however to-date Equifax and XXXX have not agreed to delete this " late payment ' from my credit report. They have left this in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the person making this complaint & I give CFPB authority to investigate this claim. On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX XXXXXXXX for an alleged debt they reported on my credit report. They received this information request on XX/XX/XXXX and as of today, XX/XX/XXXX I have not received any sort of correspondence pertaining to my request at all.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: MO
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:
This is XXXX XXXX XXXX submitting this CFPB Complaint to request to the Credit Reporting Agencies to have the disputed items corrected and or deleted from my Credit file. I sent a letter on XX/XX/2022, requesting that the Credit reporting Agencies reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}. These accounts are reporting erroneous information and needs to be updated. Under the Fair Credit Reporting Act, Credit Reporting must be accurate and correct, otherwise, the accounts must be removed from my Credit File 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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
the debt of {$65.00} to XXXX XXXX was paid on XX/XX/2021. I contacted them and they said they are not sure why the collection company, XXXX XXXX XXXX XXXX XXXX is still reporting the debt. It should have been deleted.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 asked the company on XX/XX/XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations. 
Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. 

In accordance with the fair credit reporting act This creditor, ( XXXX XXXX XXXX, XXXX XXXX XXXX ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.

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