BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1881 section 602 A States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section Stataes no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 Usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2020 Amerassist AR Solutions is claiming that I'm in debt to them in the amount of {$1500.00}. 
They have placed this debt collection on my credit report without my written permission. I have never done business nor have I agreed to any pay for services with this company. 
The account number they have listed is XXXX According to the FCRA Amerassist AR Solutions has violated my rights according to the laws stated below. 

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: NC
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 disputed an item on my credit report between XXXX XXXX XXXX. Attached to that dispute was a copy of an identity theft report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax should have already removed this item due to the identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) states the following ( a ) Block. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are 3 inquiries that were done in the year XX/XX/2016 these 3 inquiries were to drop off my report. To date they are still reporting. I tried getting online to dispute this information and have it removed being its been 2 years but was not able to get online with transunion to do so. I always have a problem viewing my credit report with them

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 2023-02-25
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
XX/XX/2023 - I have requested the removal of a activite security alert that is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: TCF NATIONAL BANK
State: IL
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:
XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX requesting that an inquiry by their company was on my XXXX Credit File that I do not recall authorizing requesting their company to please remove the inquiry. XXXX XXXX XXXX XXXX XXXX replied back by mail but did not send me proof on a contract bearing my signature.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2023-05-16
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:
These inquires are fraud and FTC report attached, police report on file and ID attached. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX see FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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:
XXXX XXXX {$7900.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Capital Accounts, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital accounts placed something on my name that is not mine the date of birth and ss is not mine nor my address. Filed it with the credit bureau and they removed it cause it's clearly not me. They keep calling me and sending me letter 's and I've already placed a depute with them directly which was over 30 days but they keep trying to collect from me and it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A payment I submitted was returned due to insufficient funds, total accident from a loyal customer. The company closed my account without even speaking to me once. I also re submitted the payment which actually went through. The company closed my card and submitted my balance over to the bureaus ( defemination of character ), reporting a balance that is over and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: NY
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 noticed that XXXX XXXX popped up on my experian account. I called XXXX XXXX bank and they were extremely unhelpful, I tried to dispute the account with experian but experian sided with the bank over me without even bothering to investigate. I am trying to find out if my identity has been stolen! And no one cares! It is frustrating! Please help me to remove this account from XXXX XXXX bank and delete it from my credit report. Its not fair that it shows up one day, no one contacts me about it and it affects my score, scary really

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 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an overdraft line with Bank of America, rarely use it. I used the line late XX/XX/XXXX after not having used it for most of XXXX. 

I login to Bank of America website everyday to see my balances and make sure everything is okay. 

On XX/XX/XXXX, I received a credit alert from my credit monitoring service that my score dropped from XXXX to XXXX overnight, due to a late payment reported by Bank of America on this credit line. Looks like they expected a payment of {$25.00} by XX/XX/XXXX and did not acknowledge that I paid {$25.00} on XXXX and another XXXX on XX/XX/XXXX. 
. 
I called bank and made a complaint and asked them to reverse the late status which they reported to credit bureaus. 

They sent me a letter dated XX/XX/XXXX that they investigated, they are correct, I was late, and they will not remove the late status from my account. 
I consider their actions unfair, unlawful and egrigious. My credit score dropped by XXXX points overnight due to this erroneous reporting. I want the late status removed from my credit report.

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 2018-11-18
Company: Ability Recovery Services, LLC
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:
I recently had a Collection appear on my XXXX Credit Report as of XX/XX/XXXX from Ability Recovery Service. I have never spoken with this company prior to this date, nor have I received any written correspondence regarding alleged debt. 
I contacted the company and I was hung up on and was spoken to rudely when I attempted to get information as I have no knowledge from this alleged debt from this company or the original creditor. After reviewing my records, the date of service that they alleged is not one that is in alignment with the last time I was in the hospital after an automobile accident in which that debt was paid so this appears to be an error. I also received nothing from the original creditor. I received no notice or validation of this debt from this agency or the original creditor. I have no knowledge of this debt. Upon finally being able to speak with someone, they confirmed they in fact allegedly sent information to the incorrect address so I have no knowledge of this debt. They said the debt is from XX/XX/XXXX but have it listed as XX/XX/XXXX on my credit report so they are also modifying dates to reage the account.

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 2022-05-27
Company: OneMain Finance Corporation
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX of 2022 my checking account was debited {$580.00} by OneMain Financial. 

This was a big surprise to me because I dont have an account with OneMain Financial or any of its affiliated companies. I never borrowed any money with OneMain Financial or its affiliated companies. 

I called ( XXXX ) XXXX which belongs to OneMain Financial on XX/XX/XXXX of 2022 to dispute this charge but they told me they can not do anything to refund me. 

My guess is that someone who borrowed money from OneMain Financial put my bank account as payment method and OneMain Financial charged my checking account to pay for someones loan. 

OneMain Financial could have prevented this if they verified that bank account set up as payment method belong to consumer who borrowed money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have a gift card from VanillaGift.com. Someone is stealing my balance of XXXX. I called vanilla gift ( XXXX ). They told me there was no way to stop it. 

I was given the following info about the purchase : XXXX XXXX  XXXX ( XXXX ) New York. I contacted the XXXX but they had no info. I called the number but the line had a busy signal and then cut-off. 

VanillaGift will not refund my money unless the charge doesn't go thru. I was told I can file a dispute after 7 days, but there doesn't seem to be an actual path to resolution. 

I checked my balance twice today and it was XXXX I called them because on of my charges with XXXX was declined by Vanillagift. I tried 3 times to speak to a representative. I finally got thru at about XXXX ( Pacific time ). It took almost an hour. 

Today was the first time I have called VanillaGift to get my card balance. I don't think it's a coincidence that the card was hacked after I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a victim of identity theft and fraud. My account was hacked and someone sent their self over {$3500.00} to a XXXX. I have filed a police report and also have tried to get the money back. My money was stolen from Regions Bank and through cashapp and I am elderly and do not know these people at all who have robbed me.

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 monetary relief
Consumer complaint received 2020-11-05
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 information incorrect

Complaint:
There are 8 late payments on my credit from XXXX XXXX XXXX regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have XXXX XXXX XXXX correct this mistakes. My name is XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: NY
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 have made many attempts to removed an inaccurate account on my credit report. I pulled all three reports together, and they are listing different amounts and MORE. 

XXXX is listing XXXX XXXX XXXX As an OPEN ACCOUNT, This is false. 

Experian is Listing this account as a different Account # XXXX  unfder a different Debt Recovery name, and also listing this as a collection, with a different amount balance, and date last active are completely different than the other reporting agencies and information, this is all completely inaccurate. 

The Balance is incorrect and inconsistent with the other reports it is on, while being listed as closed on those bureaus reports. 

The Date Last active, and Date Last reported are also VASTLY different from on another. 

This is an updated report taken today. 

There are more than three incorrect and inaccuracies on my report. 

You need to remove this account immediately as I have a legal right to a current and up to date and ACCURATE report. 

Thank you.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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