BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX  : {$22.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX  {$5300.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
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: Account information incorrect

Complaint:
XXXX XXXX XXXX shows my auto loan was more than 30 days past due in XX/XX/XXXX. This was an error on their part. I changed auto insurance companies and they were sent the information but force placed insurance on me in error. They were applying my monthly payment to the force placed insurance first then towards my payment. When I discovered this, I contacted them immediately. It took me numerous calls in XX/XX/XXXX to get this corrected and to get all the payments correctly applied. They assured me it would not be negatively reflected on my credit which it was. I contacted them again in XX/XX/XXXX and they apologized and guaranteed it would be corrected yet it hasnt. I have been denied credit due to this inaccuracy and need to have this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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:
These account on my credit report are misleading and false. Experian, XXXX  and XXXX  has a closed and derogatory accounts, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, and state of XXXX. These account are all violations of the FCRA. They havent been validated and should be removed from my report. They also sent me letter with there logo stating that I owe a debt which is against the law stated in 15 U.S.Code 1692b. This results in a {$1000.00} fine. An because your attempting to collect a debt that is against the low stated in 15 U.S. Code 1681b. You can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Also in 15 U.S.Code 1692b no debt collector can state that such consumer owes any debt. These are all {$1000.00} fines. Reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. The congress also stated that any authorization or approval of specific extension credit indirectly should be excluded from your credit report. Also during your investigation into these accounts did you conduct personal interviews with any of my neighbors, family or associates? A consumer has the right to privacy and you sending three letter is a violation of my privacy. Congress states that the definition of credit card is also your social security number. So any closed or unauthorized account thats on my credit report should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
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:
XXXX accordance with the Fair Credit Reporting act 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 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 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 2021-03-14
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: Personal information incorrect

Complaint:
After more than two letters to only use my updated information, the credit bureaus have refused to delete the personal information that doesn't belong to me. 
My only name is : XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, Florida XXXX My only phone number is : ( XXXX ) XXXX My only employment is : XXXX XXXX Medical Centers, XXXX XXXX XXXX XXXX, FL XXXX I am afraid of someone attempting to steal my identity from using the information that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX OF XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Franklin Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Franklin Services calls 2-3 times daily and exceeds the 7 calls in 7 days WEEKLY. I dispute this debt on a monthly basis with a credit reporting service and they flag my account just as often in a harassment tactic. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
1 ) I have sent letters to the credit reporting agencies : XXXX, XXXX, and Experian, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent  automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.

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 2023-07-30
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: Personal information incorrect

Complaint:
Trying to take the necessary steps to purchase a car, when pulling my credit report, I realized I had inaccurate personal information reporting on my credit report. It has been over a year that I have been trying to get all 3 reporting agencies to update my personal information so that it is no longer inaccurate. According to the 15 U.S.C 1681 ( a ) ( 4 ) law, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Ive had the XXXX XXXX credit card for over 10 years. They recently switched the cards from USBank to XXXX. USBank neglected to send some customers ( including me ) their last bill before the switch. Therefore the bill was not paid and XXXX assessed late fees and interest fees to those affected. USBank admitted the mistake to XXXX and XXXX ( but not me ) so XXXX agreed to waive ( credit back ) the fees. However, the delinquency and the fees may get reported to the credit bureaus and affect our credit ratings. I am in the process of applying for a home loan for which they will check my credit. I simply asked USBank for a letter explaining their mistake so I could show that to my lender to prove the delinquency was not my fault. USBank VERY RUDELY and repeatedly refused. I asked XXXX for a letter and they refused as well. I have asked XXXX for a letter too but havent heard back. I am one of many innocent victims in this horrible situation and no one will help 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 explanation
Consumer complaint received 2023-07-30
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:
XXXX XXXX Acct # XXXX In accordance with the fair credit reporting act XXXX  XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: RGS Financial, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account.

2 Deletion from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Telsa Motors Inc
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Retail Installment Contract was signed on XX/XX/XXXX for {$30000.00}. Project coordinator asked if we wanted to finance the battery portion of the loan separately at 0 % interest using the HEAT loan program. We agreed, went to a local credit union from the list provided from XXXX and secured the 0 % interest loan for {$11000.00}. The solar installation was completed in XX/XX/XXXX and we were instructed to mail the check to XXXX XXXX ( attached is copy of full email conversation between project advisor and us ). 

We received confirmation check was received, however we never received an updated Retail Installment Contract with the financed amount being {$19000.00} even though in the email it said we would. Since the {$11000.00} was now financed separately at 0 %, it should have been removed from the amount financed and we shouldnt have to pay interest on that amount. 

We made phone call after phone call to try to get resolution on this matter and each time we were told different things. First they told us the {$11000.00} was applied as a regular payment ( which was not how that should have been applied ). Then we were told it wasnt applied at all and they needed to send us the {$11000.00} back to us. We requested they correct the loan and provide a new Retail Installment Contract to no avail. 

XXXX deposited the check for {$11000.00} on XX/XX/XXXX ( copy of deposited check attached ) yet they did not apply it to our loan in any way or correct the contract. Our first payment for our original contract was due on XX/XX/XXXX and since the amount of the loan was never corrected we decided to pay it off, which we did. We sent XXXX a wire transfer on XX/XX/XXXX for {$30000.00} as this was the payoff amount given to us. We could see on the portal that wire transfer was received. 

Every step of the financing process has been a disaster and it seems there is not one person who works for XXXX that actually follows up with their customers. Our project coordinator, XXXX XXXX, stopped responding to emails ; we talked to at least 5 different representatives and not one got back to us as promised ; the only manager we actually got on the phone was XXXX XXXX and she had not responded to our emails or called us back. 

XXXX has had our {$11000.00} for 11 weeks and have made zero effort to get it corrected.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion failed to correct an account from XXXX XXXX Loans in the " Pay Status '' as Current ; Paid or Paying as Agreed. The account is showing 60 days Past Due. I want TransUnion and XXXX XXXX Loans to correct this error and update 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 explanation
Consumer complaint received 2023-03-01
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:
My name is 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 2022-09-14
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of California a year ago. I contacted all of my utility companies to pay the final bills. I was told by XXXXXXXX XXXX XXXX  that I had a XXXX balance and the account was closed. I was then sent to collections and notified by the collection agency that there was an outstanding balance of {$270.00} a few months ago. I immediately paid it and asked XXXXXXXX XXXX  XXXX to remove from my credit report because I had never received a bill. They said they would be willing but I would have to ask the collection agency to do so. I tried but they also said XXXX XXXX XXXX would have to do so. At this point I don't know who to ask but this should be removed from my credit report regardless as I never received the bill and paid it as soon as I was made aware. I have a perfect credit history for over 20 years aside from this ridiculousness.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-01-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is FULLY AWARE that I am a victim of identity theft. However they are ILLEGALLY violating my rights by reporting this incorrect and fraudulent information. Not only are they reporting illegally but they are REFUSING TO REMOVE the INCORRECT INFORMATION. They have NEVER sent me any documentation that supports why they are continuing to report these fraudulent addresses on my credit file. 
I have NEVER LIVED NOR HAVE I EVER BEEN ASSOCIATED WITH EITHER OR THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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
Consumer complaint received 2017-10-21
Company: ALLY FINANCIAL INC.
State: FL
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:
On XXXX XXXX this company pulled my credit and I did n't authorize this company to do so.

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