BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, I placed a furniture order for 2 King Bed Sets, 2 Dressers, 2 Mirror & Nightstands, a Queen Bed w/ Mattress Set & 2 King Mattress Set from XXXX XXXX in XXXX XXXX Texas off the XXXX XXXX. The Salesperson " XXXX  '' told me that we should receive the complete order the week of XX/XX/2018. The following week passed by ... I received the 2 King Bed FRAMES with matching dressers, mirrors & nightstands but NOT the Queen bed frame, mattress set or dresser. I then followed up with " XXXX  '' asking about the status of my remaining order. He then told me the remaining items were on back order and he was waiting on the order to arrive at the store. Two weeks past by AGAIN and still no furniture. At this point, we're 3-4 weeks in and my daughter doesn't have a mattress or bed to sleep on when she arrives from College for the XXXX holiday. 

After continuous calls to XXXX XXXX, talking to XXXX and not receiving my remaining furniture from them, I called to cancel the remaining furniture. I immediately went to XXXX XXXX XXXX, ordered the Furniture & received financing from XXXX XXXX for the remaining furniture since my credit account was tied up with Affordable Furniture. I was advised, until my dispute with XXXX XXXX XXXX were resolved, I did not have access to my credit line. 

I disputed the amounts with both XXXX XXXX ACIMA because I didn't know the TRUE charge amount on either account. Due to my disputes, the merchant ( XXXX XXXX ) falsely submitted TWO DIFFERENT invoices to XXXX & ACIMA. One invoice ( Not originally given to me ) was submitted with NO ITEMIZED AMOUNTS in the description BUT listed the amounts charged to XXXX ( {$2800.00} ) + ACIMA ( {$2400.00} ) and the second invoice listed the itemized amounts [ prices ] to the side of the items ... .including scratching out the items that I NEVER RECEIVED/WERE CANCELED. I NEVER RECEIVED THE 2ND INVOICE! ... but it was submitted to XXXX  like this! As a result, the XXXX account dispute was confirmed and awarded to the merchant! : /!!! However, the items that were scratched out is what I was charged for by ACIMA. I continued disputing the amount with ACIMA but after a few months of going back & forth, ACIMA closed the dispute, awarding the merchant ... even though I didn't receive the items ... which were scratched out on the invoice.

I refused to pay for items I never received. ACIMA is currently reporting this account on my credit  reports negatively as a Charge Off Collection Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2023-08-22
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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I am receiving promotional and account-related information via email for another person 's account. I was assured via several phone calls and a previous CFPB complaint that my email address was removed from the account, but I continue to receive emails. The emails contain information about the account and account holder, such as the account holder 's name, credit limit, current balance, and partial card number.

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 2022-02-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2016, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022, To whom Can Help Me It Would Be Appreciated, On XX/XX/XXXX of XXXX I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information and inquiries be removed from my credit reports ; according to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for a second time. There has not been any corrected or deleted inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of my dispute. My report should not show I owe {$14000.00} due to loss from a natural disaster as stated by the annual report records and by the company itself with a date stamp. Also, the accounts for all the bureaus read closed with the date stamp on my report. It's reporting a debt as charged-off which was settled or paid in full due to loss from a natural disaster and listing me as a debtor on an account when I was only the authorized user. Since reaching out to the company my accounts have been reporting old debts as new or re-aged to show activity which can also be found on all three bureaus ' sites. I have started to receive calls from agencies attempting to collect multiple times a day. I have not heard from either of the credit bureaus by mail, email, or certified letter mentioning or confirming my updated information and it has been well over the stated 30-day window of verification. I have been working on my report since XXXX and attempting to contact you to have my information updated. In the previous months before sending my letters. I called the companies and signed up for their website as stated by their agents from calling for help. They cited this as " the only way to get the help I needed ''. That was a lie! It was a way to get money from me to pay them without being able to even see my credit report, let alone dispute fraud incorrect information to have removed. I am asking for this incorrect information, and inquiries to be removed. I am also asking to notify every CRA involved that I disputed the debt, submit corrected information to the CRA subsequent to investigating my dispute, refrain from continuing to submit the information that it knows ( or should know ) is incorrect, and inform me of the results within five business days. It has been 90 days which is past the lawful window of verification. I do not consent to XXXX  or any means of automated verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/2016, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Resurgent Capital Services L.P.
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:
Failure to provide Method of Verification within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor. LVNV FUNDING LLC XXXX Date Opened XX/XX/2017 Balance {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had XXXX XXXX and XXXX for years and then all of the sudden i have a collection account on my XXXX  account from XXXX. When I first asked them about it they said it was for an equipment charges. I told them that's XXXX ive been with XXXX XXXX for like 5 years. The next attempt they said it was early disconnect charges. I told them now they are changing their story and ive had XXXX for years. Now they just reported on my credit report again {$1300.00} and i do not owe this to them. Im not sure what is going on here but I need it removed. We are working on buying our first home and have been paying off my debt for years. If it were mine id pay it but im tired of this. Ive have disputed it and asked for proof and they refuse. Im done please help me. I have also been told my other friends and family they have experience similar cases and are not happy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
State of Alaska Department of Revenue Child Support Services Division ACC # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumers reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Navient Solutions, LLC.
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Starting in XX/XX/XXXX, Navient had my name attached to someone else 's social security number ( 1 digit off ). Her credit information was mixed in with my credit report with the credit bureaus. After several communication, filing an identity theft affadavit, etc. it was supposedly resolved. However, each year, they continue to harrass me and now PCR , Inc. ( Pioneer Credit Recovery , Inc. ) has continued to send me threatening pieces of mail stating I have to pay or they will garnish my wages, etc. 
Today, at XXXX XXXX CST, they contacted my neighbor and left a message for them to contact me to call them back. I am humiliated and outraged at this! I've called them repeatedly, the last time was XX/XX/XXXX when they sent me another letter using Ref Num XXXX, Creditor XXXX, Principal {$82000.00}, Interest Amount {$9300.00}, Interest Rate 6.62 %, Collection Charge {$11000.00} AND Ref Num XXXX, Creditor XXXX, Principal {$72000.00}, Interest Amount {$8000.00}, Interest Rate $ 6.62 %, and Collection Charge {$9600.00}. 
I am beyond frustrated that they have been allowed to harass me for 3 continuous years. I've taken all steps they requested to permanently remove my name, address, and any other information about me to this lady 's bad debt and now, they are starting up again. This is very upsetting and I fear they will contact my employer and create problems for me in my workplace when this has absolutely nothing to do with me AND they know this! 
PLEASE help me. I am at my wit 's end and am emotionally upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Jim Bottin Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I attempted to cancel a monthly gym membership while the gym was closed due to covid restrictions. I first attempted to close by mail on XX/XX/XXXX but the gym was not accepting mail and my letter was returned as undeliverable. I then attempted to cancel by email but the email reply was an auto-reply saying the gym was closed! The gym was also not answering their phone. They gave no way for members to cancel while they were closed. Then when they re-opened they automatically started billing again and only processed cancellations after that. 

I have been receiving collection attempts from XXXX XXXX billing company, ABC Financial, who has never provided any information on the amount I owed despite my requests and my dispute of the validity of the debt. Their email bills to me showed a blank amount due ; I am attaching copies of two of these where you can see the amount due is blank. I never received anything by mail or email from either ABC Financial or XXXX XXXX showing an amount due. When I attempted to reach they gym directly, asking for validity of the debt that ABC Financial was attempting to collect, they did not reply to emails and my letter was returned to me as undeliverable. 

ABC Financial also continued to call my phone despite my requests for them to contact me by mail. Im attaching a phone bill showing their collection call on XX/XX/XXXX when I told them not to call my phone again. You can also see on the attached email correspondence that on XX/XX/XXXX I made the request in writing for them not to call me again. I'm attaching a phone bill showing one of the collection calls from them after I requested that they stop calling ( on XX/XX/XXXX ). 

They have now turned this account over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} New Late Open : XXXX XXXX XXXX Balance Owed : {$23000.00}

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 2023-03-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
There are two fraudulent inquires on my credit file that I asked t be removed due to them not being soothing that Ive applied for nor did I apply for them in the pass the two inquiries are XXXX XXXX XXXX inquiry date XX/XX/XXXX and XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX based in XXXX, Texas is harassing me that they would sue well over the statue of limitations. 

XXXX XXXX account that was sold which XXXX XXXX now no longer sells to collections : XX/XX/XXXX XXXX XX/XX/XXXX XXXX* Closed Date. 
Account was sold on XX/XX/XXXX XXXX* There contact phone : XXXX XXXX XXXX XXXX XXXX , tx

Company response to consumer: Untimely response
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: MN
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 have 3 credit inquiries from XXXX XXXX XXXX XXXX listed on my Equifax credit report that are unauthorized. I never applied for any credit with XXXX XXXX XXXX XXXX. The credit inquiries are fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
Violation of my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have some accounts that I never gave permission to the companies to check my credit report and that is illegal. I ask that these fraudulent inquiries be removed from my report as they should have never happened. I have attached the required identity theft form as requested by the companies involved.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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