BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.SC. 1681 section 602 A, States : I have the right to privacy. 15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions. I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked XXXX how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like XXXX XXXX. I will not accept another reinvestigation of the information Only deletion of the information. Also they are reporting incorrect addresses as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There was no written consent by me or any disclosure from the creditor to report my payment history to the credit bureaus. I have been trying to resolve this issue for over a year. The account is current and paid off and closed by the creditor. I would like the payment history adjusted accordingly to current. Also multiple credit laws have been brought to their attention that they have broken and yet it hasn't been resolved. I am NOT breaking the law, I have paid everything that needs to be paid. They shared information that they should NOT have. I want my credit profile updated respectfully. I need XXXX of XXXX thru XXXX of XXXX all updated to current and paid in full please. NO LATES should be showing on my credit report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Also the Cares Act is being violated also FDCPA false misreporting please update account to current and paid as agreed on time.

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 2023-12-15
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
State: GA
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:
To whom this may concern, I sent a letter to XXXX, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the XXXX and XXXX XXXX  and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, my FTC report and Drivers License is attached for proof of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Had global client services to repair credit and pay for debts. Was never sent paperwork. Paid several accounts off. Had hidden fees I wasnt aware of. Was paying XXXX a month to fix debts. Sold stock, to pay off debt. Debt that is still on the credit reports as bad debt not paid off. Paid this for over a year.. Never got paperwork to substantiate who got paid and who didnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: Advocates Professional Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The third party collection agency, Advocates Professional Services, out of NY. They have threatened to take out a suit or judgement on me for attorney fees. Attorneys in my state ( Utah ) are responsible for not running up outlandish bills that are outrageously expensive and expect people to pay, you dont see the bill til after they tell you they did XXXX a month work for you?? How do you fight that?? My parents already helped me pay the attorney XXXX. Then they couldnt help anymore. Im still paying them off for that. Then the attorney billed me close to XXXX in a two-three month period. Im a single mother, stay at home mom. I cant pay that bill. The attorney should have had reasonable fees. Those are not reasonable at all. Another attorney Ive talked to says I could try and get that debt taken down or removed for unreasonable fees. But, I have no money to pay one attorney to go after another. Its been a mess, the third party collection agency keeps threatening me with deadlines to wire them XXXX or XXXX owe XXXX if I dont pay them. I have XXXX resources to do that. They are saying they will put a writ of attachment to my marital assets which are all still tied up with the court. I hired the attorney that Ive paid XXXX and now wants XXXX to just help me with a divorce in 2019. Im still not settled with child custody or separation of assets. He, the attorney, basically got me a protective order again my ex for XXXX. Come to find out the district attorney would have done that for me for free. Of course, he didnt mention that. I explained my situation to the collection guy and he just says he doesnt care about that and he will go after my mom and dad too. My mom was with me when I retained the attorney, my dad has never even been there, and their last voicemail to my mom, was saying they would go after her and my dad. I can send all the emails and screenshots of the voicemails. I just feel very scared and threatened to come up with an amount of money that I dont make in seven years of working! Hopefully I hear from you soon. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: IA
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 want to report identity theft again, they applied for a credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is affecting my Credit in a negative way, I have already reported this situation and I have not received any solution since it keeps happening, I already reported it to RobodeIdentidad.gov, to social security to report the fraud with my identity and social security number, to XXXX but it keeps happening and affecting my credit report. I called XXXX and they didn't give me a solution either. I appreciate your help as it negatively affects my credit report. The last credit application was for a vehicle Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2021 I drafted a notarized affidavit of truth outlining the various violations and that of the federal law of 15 U.S. Code 1605 and 15 U.S. Code 1692 and 15 U.S. Code 1681b. I sent this notarized affidavit of truth on XX/XX/2021 via priority mail and I respectfully requested a notarized affidavit from a senior executive notarized by that senior executive confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not have come in the form of a letter response as an affidavit of truth can only be rebutted line for line by the form of a notarized affidavit. If there is An Unrebutted Affidavit the affidavit Stands as Truth. It has been well over 30 days and I havent received any notarized affidavit rebuttal. I feel like I am being taken advantage of and being ignored of my affidavit.I demand XXXX XXXX XXXX Account Number : XXXX and all Non account holding inquiries over 30 days old be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten Into the hands of the wrong person.

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 2023-11-05
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Resurgent Capital Solutions has been emailing, texting and calling from a private number since XXXX XXXX. As you will see in the screenshots provided they called from a private number @ XXXX XXXX, which is before the beginning of the timeframe that debt collectors are required to follow. Next they are sending multiple emails per week and also texting me in between their emails which is also against the requirement for frequency of communication. I have never received a debt validation document as also required by federal guidelines from this company. I dont have a contract with them for the amount they are stating I supposedly owe. I believe this is harassment and they have not followed federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: KY
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:
My consumer rights are being violated. I have fraudulent accounts appearing on my credit file that need to be removed immediately. Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). Equifax, XXXX and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Notice, it is a fact, affiant is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ) .Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report for XXXX, account number XXXX and JPMCB account number XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition { Company Name } has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) and information associated with XXXX, account number XXXX and JPMCB account number XXXX must be removed.My consumer rights have been violated according to the FCRA and if these accounts are not removed immediately I will seek remedies for violations of my consumer rights. 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I find it perplexing that your bureau has verified these accounts while the other major credit bureaus have acknowledged the error and removed them. This inconsistency raises concerns about the accuracy and reliability of the information on my credit report. Therefore, I request that you conduct a thorough investigation into these discrepancies and, if you find them to be inaccurate, erroneous, incomplete, or unverifiable, I demand their immediate removal from my credit file. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect prompt compliance. I am concerned about the following accounts : XXXX - XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Global Lending Services LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Global Lending Services LLC. I received a check from my insurance company for {$2200.00} to fix some damage on my car after a tire blew. I called Global Lending and spoke with them about losing my job, and the insurance check. I told him I didn't have the money to fix my car since there is a {$500.00} deductible. They told me if I endorse the check, send it to them, they would use part of that check to get me caught up on my payments, and cut me a check back for the rest. That way I could get caught up on rent and utilities & actually buy XXXX gifts for my grandchildren as well. In good faith, I did this and sent a letter with the check about the phone call. About a month went by without a word. I found out they had cashed the check, hadn't called me, and hadn't applied it to my balance. I spoke with them at least 10 to 20 times over 3 months explaining the check and what I was told. One conversation with them they were able to see the check, tell me the amount and the check number, and told me it was put into an account for me for when I fixed my car. I went over again that I can't fix the car & what they told me to do with the check. She told me the person over that account was not there and would call me back tomorrow. This never happened & every conversation with them is as if we never talked before. Now, as of yesterday XX/XX/XXXX, a very rude and condescending manager named XXXX, at GLS was accusing me of lying about this check and telling me there isn't a check at all. I called XXXX XXXX my insurance company, they verified it had been cashed and deposited by Global Lending on XX/XX/22 and gave me the information & account number it was deposited into Etc. When I called XXXX back to give him the information, he wouldn't take it & gave me a generic email for customer service which is something I've tried before and gets no result, and told me to send it to that email. He continued to threaten me with repo & act like I was lying about this check and was very condescending again. At this point I have sent the information to the email, and I'm waiting to see. Unfortunately, if this doesn't get resolved soon, XXXX threatened that they would come and get the car at the end of the month, and it's XXXX already. XXXX also stated that IF there was a check, they would have already applied it to what I owe and get me caught up.

Company response to consumer: Closed with explanation