BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. 



Please provide me with a breakdown of all charges and dates of service. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX XXXX  to be removed from my credit report. 

All Accounts are listed below : XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
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, # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY SYSTEMS, located at XXXX XXXX XXXX XXXX, VA XXXX, has been sending me collection notices in the amount of {$480.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my wet signature that validates that I have to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I closed my Estate account with Truist as required before submitting documentation to the Commissioner of Accounts. When I logged in to print some checks I needed they are no longer available. I only had online statements and records and when I closed the account they removed the history. They said opening the account back up is not an option and I can only get copied of the checks that I need if I pay {$5.00} per check. This is very deceptive as I elected for online statements, when you do a search it says they are available for 5 years. I should have access to my data and financial history, the bank should not have the option to remove all my history and then charge me per item to access it.

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 2021-10-18
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a consumer pursuant to 15 U.S.C 1681 ( c ), you are a debt collector pursuant to 15 U.S.C 1692a ( 6 ). To my understanding all credit reporting agencies get their information from the same company sourced as the original creditor. The inaccuracies being reported are detrimental to my credit capacity, credit worthiness, and credit standing. XXXX has investigated this dispute and removed the error immediately. If all credit reporting agencies retrieve their information from the same original creditor there should be no misinformation.

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 2022-12-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/22 : Purchase made from XXXX XXXX XXXX FL for a water cruise. Since the weather was bad at the location, cruise guide at the location tried to call the operator, but operator did not respond. Next day, the operator offered credit for another cruise another day. Since we were on vacation and could not accommodate the time another day asked for a refund. They refused. 

XX/XX/22 : Opened a dispute with Citi XXXX- the credit card company XX/XX/22 : Merchant responded stating they are third party and just does the billing and not responsible for the refund and contact the operator. 

XX/XX/22 : City card decided customer ( that is myself ) responsible for the charge.

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 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im trying to close and sell my home but Bank of America can not give me a payoff amount. They say it will take 7 days.

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 2020-11-04
Company: Dyck-O'Neal, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
With SEVERAL INCONSISTENCIES ( shown below ) reported on XX/XX/XXXX and XXXX account how could this be accurate? Please delete immediately I have received documentation from Dyck Oneal but on the file that was sent to me has false information reported. 

1. The address reported on the file i never resided at this location. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 2. E-signature is invalid. Please provide a valid basis bearing Consumer wet-ink signature ; 3. The Bank information reported on this Authorization Form is incorrect. I never had a XXXX XXXX  Account i am requested the information 1 ) Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 2 ) Please provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 3 ) Please provide a Statute of Limitations expressly authorized by the agreement ; 4 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tired of the harassment and emotional abuse I have repeatedly tried to fix this and have filed numerous complaints with CFPB and they are still harassing me. The statue of limitations is done did over with it is 4 years in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Reference Number XXXX To Whom It May Concern, I am writing to formally dispute and request an investigation into certain inquiries that have appeared on my credit file, which I believe should not have been authorized or reported. These unauthorized inquiries have the potential to negatively impact my creditworthiness, and I request your assistance in resolving this matter promptly. 

Inquirer Name 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 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 I assert that I did not provide explicit authorization for any of the inquiries listed above. Furthermore, I have not initiated any business transactions or credit applications with these entities, and I have not granted permission for them to access my credit information. These unauthorized inquiries are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the CFPB initiate an investigation into these unauthorized inquiries, and I ask that you take the following actions on my behalf : Contact the inquiring entities to request verification of the inquiries, including any documentation that proves I provided authorization. 

If the inquiring entities fail to provide valid proof of authorization, request that they remove the unauthorized inquiries from my credit report immediately. 

Provide me with written confirmation of the results of your investigation, including any actions taken to correct my credit report. 

I am providing copies of my credit reports from the three major credit bureaus ( Equifax, XXXX, and XXXX ) with the unauthorized inquiries highlighted for your reference. Enclosed, please find copies of the following documents : [ List any supporting documents you are including, such as copies of your credit reports ] Please be advised that I expect this matter to be resolved promptly and in accordance with the FCRA. Any delay in addressing this dispute may result in further damage to my credit profile, which I am working diligently to maintain.

I appreciate your attention to this matter and your assistance in rectifying this situation. Please feel free to contact me at the provided email address or phone number if you require any additional information or clarification. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NJ
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 am writing to dispute the following information in my file. XXXX XXXX XXXX accounts with the same account number XXXX are reporting inaccurately on my credit report with two different open dates and credit limits. One report states that the account is current, while another states the account is delinquent and charged off. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting Act, the listed accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an 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. 

Please investigate this matter and delete it as soon as possible. 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 non-monetary relief
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a 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 2021-03-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax has my card linked to another customers account. My name is XXXX XXXX XXXX but I receive emails related to another customer and I can not cancel the product. 

I have been trying to work the company to resolve this issue since XXXX. One agent told me to tell my bank to stop payment and wait for the problem to fix itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy.

[ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( XX/XX/XXXX ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ). 
and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ]. 
Anti-Bribery Statement XXXX XXXX XXXX  of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( 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 2022-09-18
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
I have disputed numerous times to all XXXX bureaus for my auto loan with credit acceptance. Iam not responsible for this I have disputed. I did my dispute with XXXX on XXXX XXXX 2022 and it's now XX/XX/XXXX and still not completed. It needs to be removed from my credit reports asap or legal action will be taken.

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 2022-09-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not access myequifax.com and there is no solution provided by them, when I have called them either the system is down or they are not able to provide any solution. I have tried all the solutions provided like using different devices, browsers and clearing cookies, but I have never been able to access my account. 
On top of this they do not provide any way to troubleshoot by email, just by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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: Old information reappears or never goes away

Complaint:
THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
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:
Consumer has also mailed complaint and judgement of default to California XXXX office. I have disputed listed accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with XXXX, XXXX and Experian. Experian continues to violate against consumer rights by failing to take action for consumer rights and properly handle consumer disputes. The other reporting agencies has removed these listed accounts but Experian has refused. Consumer has disputed these accounts repeatedly and consumer reporting agency continues to not properly handle disputes according to regulation. Consumer moves to file motion of default against consumer reporting agency Experian. Reason for this complaint is that Experian continues to report wrongful and disputed information on consumer report. Consumer has notified Experian of their constant violations and they have ignored consumer claims. Consumer seeks remedy in the amount of {$10000.00} and demand these accounts be removed immediately- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Violations includes 15 USC 1681a ( e ) meaning of investigative consumer report, 15 USC 1681a ( d ) 2 consumer report does not include transactions and experiences between consumer and person making the report, 15 U.S. Code 6801 protection of non-public information, 15 U.S. Code 1681b consumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In accordance with the written instructions of theconsumerto whom it relates. Experian is in non-compliance and the CFPB must perform it's duties and obligation in taking consumer disputes seriously and holding these consumer reporting agencies accountable.

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