BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: AZ
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a XXXX XXXXXXXX account that I paid with a check in full and they sold the debt to Midland funding collection agency. 


I recently got them to stop calling, threading and harassing me. I disputed this transaction many times and is still on my credit. I wrote a check to XXXX XXXX to stilt this account and they still sold it to Midland LLC. I even wrote on the check " Paid in full '' and they cashed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Community Lending of America, Inc.
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018, I was informed by the Director of Mortgage Operations that I would received a refund of {$500.00} after my mortgage closing. On XX/XX/2018 I received a check in the mail for {$450.00}. After contacting the Director of  Mortgage Operations, I was informed that I would not be refunded the additional {$58.00} because of the type of loan I received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30
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: Their investigation did not fix an error on your report

Complaint:
I have accounts that do not belong to me reporting on my Experian report. I have tried to address the issue with Experian. They have not provided verification of the accounts to me. I also requested verification of the account from the creditor XXXX XXXX and they sent me a letter stating that I was not responsible for the debt. They also sent the letter to Experian. I have since sent the letter to Experian 3 times. They refuse to remove the account. The only response I get from Experian to my letters is that they do not have enough information to verify my identity to complete my request. This makes no sense since each time I have sent a copy of my ID, my Social, and a Utility bill verifying my identity, and address. Experian is deliberately reporting incorrect information. This letter is dated XX/XX/2019. That is 60 days that Experian has had to correct their mistake, and yet they have not corrected 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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name XXXX XXXX XXXX Account number XXXX Account name Ohio department of human services Account number XXXX Account name XXXX. XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions/consent.

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.

15 U.S.C 1681 ( A ) ( 3 ) look XXXX XXXX made it clear that you assumed this role I never gave you permission and you didn't exercise your grave responsibilities plus you were unfair partial and conspicuous had no respect for my right to privacy

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 2023-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX  is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my XXXX, XXXX, or Equifax reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint regarding an inaccurate account on my credit report that was still reported despite my previous request and kindly request your assistance in getting it corrected. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: PA
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 XXXX 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 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 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Menards to tell them I was unable to make my payment because of COVID. 
I was laid off and unable to work. 
They told me that they would waive fees and not report the lates to credit as long as I paid within 90 days - Which I have and am caught up with my payments. Card is more than half way paid off at this point. 
I was not supposed to receive these lates on my credit report and I did. We are in the middle of a pandemic and this was not supposed to happen to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: CT
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 XX/XX/23 I checked my equifax report and I noticed that XXXX XXXX had submitted an inquiry that I had no knowledge of. I contacted XXXX XXXX credit card services and their banking service and they couldnt find my name or social security number in their system. I kindly ask them to remove it but they informed because they couldnt find it they said they couldnt do it and I would have to contact Equifax. I then contacted Equifax and they informed me that I would have to file a report before they can remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/19 I was notified via XXXX  credit monitoring that a collection account has been placed on my credit file. Upon looking I see that it was from Capio Partners for an alleged medical debt in the amount of {$1400.00}. I was subsequently notified of placement of this collection account on my XXXX  account on XX/XX/19. 

I have never received any notice of the alleged debt from Capio Partners and have no idea what the debt could be for. In doing so I was denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al.

This is to be removed from all three credit bureaus immediately and proper procedure and protocol is to be followed. I have no reservations in litigating this ridiculous practice performed by Capio Partner 's in a court of law where I will seek punitive and statutory damages to the fullest extent allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY 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 explanation
Consumer complaint received 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX, XXXX, XXXX of 2020 I asked XXXX  XXXX XXXX  to let me differ payments because we where affected by COVID-19 and they ignored me we needed there help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a claim from XXXX and Convergent for amount owed of {$220.00} with client account XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This claim is incorrect and not owed. 

Convergent Outsourcing XXXX XXXX  XXXX XXXX, WA XXXX Mess started when I tried to cancel XXXX XXXX services XX/XX/XXXX for final billing and cancellation. I had been with company for more than 8 years with on-time payments. Rates increased again, so I decided to change to competitor. 

Called again XX/XX/XXXX for final billing, cancellation and status of return packaging for the DVR. 

DVR Box confirmed received by XXXX XX/XX/XXXX. Confirmation XXXX XXXX XXXX XXXX 

Received another bill from XXXX. Called XX/XX/XXXX to cancel yet again. Proration clarified for {$170.00}. I paid amount owed on XX/XX/XXXX to XXXX. 

Received another bill from XXXX. Called XX/XX/XXXX. Agent claimed account active and I signed up for another 2 years of services. Agent claimed cancellation fees owed for early termination. I responded why on earth would I return my DVR box and cancel my service, and then agree for 2 years of new service? The XXXX agent supposedly adjusted my account. 

Yet another bill received. I called XX/XX/XXXX. Agent noted confirmation XXXX XXXX XXXX XXXX XXXX  for cancellation XX/XX/XXXX. Submitted complaint to Better Business Bureau via online service. 

Another bill received from XXXX dated XX/XX/XXXX. Called yet again to Financial Services Department of XXXX, spoke with Sianthia XXXX XX/XX/XXXX after bill received. Agent stated {$0.00} balance on account and paid in full. Letter would be received in 3-5 days. 

Received letter from Convergent dated XX/XX/XXXX stating {$220.00} owed. Agent clarified that XXXX owns the debt, not Convergent. Provide backup by fax XXXX and email XXXX. Agent clarified that once letter received from XXXX, then Convergent will close out. I faxed XXXX confirmation that account closed. 

XXXX XXXX debt collection agency sent letter XX/XX/XXXX. Replied back with mailed copied of XXXX close out letter. 

XX/XX/XXXX Convergent letter received yet again attempting to collect on closed amount. 

Advice to others is to return any DVR box and equipment to a person in a XXXX store, no matter how inconvenient the location or timing. Receive receipt for equipment and {$0.00} owed. Returning via equipment return box provided by XXXX XXXX is NOT sufficient action and will result in more than a year and tens of hours of wasted 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 explanation
Consumer complaint received 2021-09-08
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am referring a case to the Consumer Protection Bureau as follows. 

First, please see the most recent document, 'New_Debt_Collector_Account.jpg '. This was sent to me on XX/XX/2021 and arrived on XX/XX/2021. This is a letter from " I.C. System '' telling me I must pay a delinquent account for " XXXX ''. An account I thought that was already settled by " Offices of the XXXX XXXX XXXX ''. Or so I believed. Until now... 

See attachment 'dispute.rtf '. This is the original letter I sent to " Offices of the XXXX XXXX XXXX ''. Within 'dispute.rtf ' is a very detailed, and extremely well articulated ( if I do say so myself ) dispute letter, delineating the abuses and reasons to " XXXX '' of why I would not pay the bill. In a response, sent back to me by " Offices of the XXXX XXXX XXXX '', 'dispute_response.jpg ', they said they would discontinue their collection efforts and no information regarding this account would be referred to the credit bureau XXXX 

THEN, 7 months later, from " I.C. System '' I receive, 'New_Debt_Collector_Account.jpg ', as first seent above, saying I still owe this debt.

My question, to " I.C. System '' " XXXX XXXX '' and the " Consumer Protection Bureau '' are : How can I dispute and then remove a debt, that I legitimatlly do not owe, and be exonerated from it, if " Charter/Spectrum '' can simply refer it to another debt collecting company to try and collect it? And then tarnish my credit? Is misleading a consumer like this 'legal '?

As 'dispute.rtf ' indicates, I even said I would contact the Consumer Protection Bureau and the XXXX. I did not originally do this and regret that decision, but I am doing so now!! 

Furthermore, due to the unparalleled absolute deceptive malfeasance on the part of " XXXX '' and these debt XXXX, I am considering approaching media outlets with my story. Consumers can not and should not be ripped of this way and their credit tarnished, while a corrupt telecommunications company and their debt collecting cronies attempt to charge them for several months of internet they never had. 

This is fraud, it is illegal, and it needs to stop. And I wish to be exonerated from this debt as I was originally led to believe!!! 

Finally, if " XXXX '' are part of any class action lawsuits involving this behaviour ( and I'm sure they are ), then I wish to testify on the behalf on any government, individual, and/or private institutions as to the corrput nature of entities such as " XXXX '' and their debt collectors, and hereby consent to providing all the following statements, including all attachments herein, and any testimony they want me to give as evidence. 

-XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation