BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX 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 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 2022-08-08
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX : XXXX XXXX a federally protected consumer, and I am making this complaint against Aargon Collection Agency XXXX for committing identity theft. I have never given Aargon Collection Agency, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Aargon Collection Agency and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Aargon Collection Agency any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Aargon Collection Agency before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Aargon Collection Agency, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Aargon Collection Agency, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Aargon Collection Agency, continues its collection efforts, I will file for litigation for actual damages caused and Aargon Collection Agency, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-04-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 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 XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: GreenSky, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a police report like they asked me to. That still didnt help. They keep closing the investigation and reporting it to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX Balance {$800.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX Balance {$980.00} ; XXXX, XXXX ( Original creditor : XXXX ) XXXX Balance {$3100.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$860.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$560.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$700.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX XXXX {$5200.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX WY XXXX, FL XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX XXXX NA Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX. I went to the store to make a purchase and my card kept getting declined. I called the number on the back of my card to see what the issue was about after going back and forward for about XXXX, I was told they could not help me and that I would need to write a specific department to see what the issue was about. I paid for my items, not suing the credit card being declined and went home. 
Once at home I called again and was advised I was being recorded, I too recorded the conversation. 
The supervisor told me that the reason my account was restricted was because I sent a Cease and Desist to Comenity Bank. I explained I have a copy of the C & D dated XX/XX/2022 and that it clearly stated to C & D from sharing my personal non public information since I was never given the proper disclosures about permissible purpose and my right as a consumer to 'Opt Out ''. The C & D was never giving them instruction to not communicate with me as a consumer regarding this account. 
I was told by the supervisor that whenever they get a C & D they restrict the account/ block the consumer from using it. As I was Understanding, I stated to him '' so you are telling me that in retaliation to the C & D, commenity bank restricted my account from using my credit card, simply because I was asking commenity to respect my Privacy according to the law and not share my information '', he once more, confirmed it " yes we do that whenever we receive a C & D. I asked him to state his name for the record and he did, he then informed me he would submit a complaint on my behalf. I told him what the company did was unlawful and that I would be pursuing it legally. 
he provided a case number. XXXX I have copy of the letter sent to them and delivery proof of the C & D sent to them on XX/XX/2022, along with certified mail receipt tracking number. 
Fact : No prior notice or warning regarding the status of my account had been given, nor provided to me through any means of communication. The only letter I received from commenity stated that they received my correspondence and that they noted my account. I have that letter with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/AIDV Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was over charged for late payment. 
{$39.00} I paid on time due to the fact the bank was closed for the Holiday so, I called and they removed the late fee but place the late fees as a part of the payment So, instead of paying {$140.00} they want me {$180.00} which is not fair the late fees were place on to the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 days and can not verify this account, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, Equifax is required to " DELETE all information that can not be verified. '' Please make them do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: FL
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 account has already been sent a personal letter to the bank in charge, in the same way that we send a notification to the CFPB notifying the errors and data that report in my credit report negatively affecting my credit report. 

You were notified in the past of the errors and giving the explanation with evidence that this account was not authorized at any time by my person, all the information they requested was issued including written conversations by agents who work for that company and still continues to affect in a negative way without receiving any type of response from this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: IA
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:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. Equifax is in violation my federal rights as a Consumer by furnishing my information without my written consent which violates 15 usc 1681a ( 2 ). By doing so they have damaged my reputation and infringed upon my right to privacy as a Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX or INDEPENDENT XXXX CONSULTANTS IN. 
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Greetings, I have previously contacted Diversified Consultants informing the company that I have been a victim of identity theft/fraud. Diversified Consultants are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Diversified Consultants to follow the law, they clearly feel as though the law does not apply to them. Remove the Derogatory account. Please and Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25
Company: MRS BPO, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/ I retired and moved to another state. XXXX XXXX XXXX XXXX  charged me {$150.00} for the cancellation of the service. I tried to resolve this with XXXX XXXX XXXX XXXX XXXX Retention Department, but it insisted the charge for cancellation is righteous. I was told that if I had requested a transfer of service and that there was no XXXX XXXX  service in XXXX that they would have waived the {$150.00}. I was never informed of that option when notifying XXXX XXXX of cancellation. 

I have been a customer of XXXX XXXX XXXX XXXX XXXX for 10-15 years ( lost count ). It is claimed that the cancellation fee was for termination of a contract seven months before the two-year contract was fulfilled. How is it possible for a company to declare a two year contract when I/we 've been satisfied, if not loyal, customers for a decade or more? They said because we received new equipment 18 months ago. ( That is true in that the equipment we had failed, and their repairman said we needed another one. So apparently that made us a " new customer '' that had to maintain service for another two years. ) All equipment was returned to XXXX XXXX and acknowledged by them as such. 

We did not end service because of a better offer from another cable company. I retired and moved to an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX where acquiring XXXX XXXX would have been difficult if not a nuisance. XXXX XXXX captured $ XXXX dollars of that/ $ XXXXcancellation fee by absorbing credits we were given for terminating two other bundled services. We are refusing to pay the additional {$80.00} as this constitutes extortion and unjust levying of charges -- for what? non-loyalty?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
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: Personal information incorrect

Complaint:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA My current phone number is : ( XXXX ) XXXX My current Employer is : SSIRETIREMENT Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : 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