BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report thatare incorrect and need to be removed immediately. The following are the incorrect itemsand I am demanding that they be removed from my credit report. 1. Collection account witha partial account number of XXXX  for $XXXX this account is being reported incorrectly.This account was paid off but you are still incorrectly reporting it. I am demanding that youcontact the original creditor which looks to be a medical collection and request validationon this debt. If the original creditor is no longer paying you to report this information andthey can not supply you with the original documentation then you are in violation of theFCRA and I will sue you for wrongfully reporting information against me which is $XXXXfine per violation. 2. Collection account with a partial account number of XXXX  for $XXXXthis account has the same historical reporting as the above account and I am demandingthat it either meet all FCRA requirements or remove it immediately. Each bureau is herebyrequested to provide me with physical proof that these collections are in fact beingreported correctly or remove them immediately. 3. Bankruptcy: Chapter XXXX discharged. Icontacted the US Bankruptcy court and asked them if they reported this information to thecredit bureaus. They told me that they do not report any information of this kind to thebureaus. After further research it looks like a company called XXXX  or XXXX XXXX is theone that reported this information. On my credit report you are saying that the USBankruptcy court is the one that has reported this information and that is not true sotherefore you are in violation of the FCRA by reporting false information regarding whereyou got this information. Also Equifax is saying that it was a Federal Bankruptcy and that isnot true so you are reporting incorrect information on all fronts and I am now demandingthat you remove this Bankruptcy from my credit report along with the two adverse, incorrectcollections that you are reporting. You are all in violation of the FCRA and I will pursue legalaction if the 3 accounts listed are not removed by all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/1997 Balance {$99000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Ad Astra Recovery Services Inc
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report that are incorrect and need to be removed immediately.  The following are the incorrect items and I am demanding that they be removed from my credit report.1. Collection account with a partial account number of XXXX for $XXXX this account is being reported incorrectly.  This account was paid off but you are still incorrectly reporting it.  I am demanding that you contact the original creditor which looks to be a medical collection and request validation on this debt.  If the original creditor is no longer paying you to report this information and they can not supply you with the original documentation then you are in violation of the FCRA and I will sue you for wrongfully reporting information against me which is $XXXX fine per violation.2. Collection account with a partial account number of XXXX  for $XXXX this account has the same historical reporting as the above account and I am demanding that it either meet all FCRA requirements or remove it immediately.  Each bureau is hereby requested to provide me with physical proof that these collections are in fact being reported correctly or remove them immediately.3. Bankruptcy:  Chapter XXXX discharged.  I contacted the US Bankruptcy court and asked them if they reported this information to the credit bureaus.  They told me that they do not report any information of this kind to the bureaus.  After further research it looks like a company called XXXX or XXXX XXXX  is the one that reported this information.    On my credit report you are saying that the US Bankruptcy court is the one that has reported this information and that is not true so therefore you are in violation of the FCRA by reporting false information regarding where you got this information.  Also XXXX is saying that it was a Federal Bankruptcy and that is not true so you are reporting incorrect information on all fronts and I am now demanding that you remove this Bankruptcy from my credit report along with the two adverse, incorrect collections that you are reporting.You are all in violation of the FCRA and I will pursue legal action if the 3 accounts listed are not removed by all 3 credit bureaus.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XXXX XXXX I sent off letters to all three credit bureaus to investigate. All of them came back as accurate I know they didnt investigate because my credit report still shows different showings on each of them

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 2023-02-04
Company: Experian Information Solutions Inc.
State: NE
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:
Dear Experian, I recently received your response to my complaint about not receiving a proper investigation from your company. I disagree with your assessment that I did not provide enough information to support my complaint. I submitted screenshots and detailed information about the issue, and I expect a thorough and fair investigation. 

Additionally, I would like to point out that I am currently disputing my entire consumer report with XXXX, as they recently removed everything from my report. Given this, I have reason to believe that my Experian report may contain inaccuracies as well. Although I was unable to find the report number in the Experian online service, I pulled an updated report on XXXX. 

I am concerned that your response to my email, rather than through the CFPB complaint system, may indicate an attempt to close my complaint before it is fully resolved. I request that you take all necessary steps to ensure that my complaint is properly investigated and that I receive a resolution that rectifies the harm caused by your company 's actions. 

Please let me know if you need any additional information from me to assist with resolving this matter. I look forward to your prompt response. 

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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have contacted both TransUnion and XXXX to try and resolve the issue with the following inquiries that I either do not recognize, were not authorized by me, or were obtained deceitfully, to no end. 
/ ( TransUnion ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX   XXXX ( via XXXX XXXX ) requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX ( I DID however, authorize the pull from XX/XX/XXXX ) - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXXXXXX requested XX/XX/XXXX ( I DID authorize a pull on XX/XX/XXXX ) ( XXXX ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested on XX/XX/XXXX - XXXX  XXXX requested XX/XX/XXXX - XXXX   requested on XX/XX/XXXX - XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX  requested on XX/XX/XXXX - XXXX  XXXX requested on XX/XX/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 2023-08-18
Company: AMA Advisors, LLC.
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: Account status incorrect

Complaint:
XXXX companies for the past XXXX  years have been inaccurately reporting late payments on my accounts and refuse to investigate and correct or update accounts to paid as agreed. Companies have listed accounts as " was a collection, but paid '', " sold '' or " transferred ''. Creditors refuse to correct these inaccuracies and have left me paying higher interest, being denied for credit, and left me no other choice but to report their illegal activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: CT
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:
This is my NUMEROUS 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, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$490.00} DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have tried at least 3 times to cancel payments made by cashapp to XXXX & XXXX itunes. Ive contacted both merchants to cancel, & Ive contacted cashapp who just tells me to contact the merchants. but cashapp continues to make these payments without my approval & against my expressed wishes, taking money from my acct without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XX/XX/2023 I only owed Credit acceptance {$3400.00} for my vehicle and it would be paid off. Skip to XX/XX/2023 They now claim I owe more than {$10000.00}! They did not call me or email me yet repossessed my vehicle on XXXX XXXX which is today. Theyve done this twice in the past 7 months trying to get more money from 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 2020-07-25
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2006 my brother took out a loan against our house. I had no knowledge or did I sign anything to approve the loan. But XXXX and XXXX XXXX XXXX went around the law and issued the loan ( I have proof from a title company that they knew there was a 2nd party on the title and they just took me off title ). Needless to say my brother defaulted on the loan. I fought for 3 years for this even tried to get a modification on his loan but I got no paperwork saying they rejected the modification just a call from an attorney that they said no. I have spent lots of time and money to fix this and in the end we paid to catch up the loan and the foreclosure was dismissed. I am refinancing the house now and since XXXX went bankrupt a new company took over the loan. They are trying to charge us again for the legal fees that were already paid. I showed then the proof and once again so sorry but no. This is a difficult situation made worse by XXXX, XXXX XXXX XXXX and Shellpoint mortgage. I have sent numerous e-mails and it went on def ears. They all have done illegal things and I find it horrible. I was lucky enough to be able to save my home but I am sure there are others who found themselves in the same situation that lost their homes. They all should be responsible for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this letter to you regarding account XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX Department of education XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed payment. I have disputed the completeness and accuracy of the disputed information. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 

Thank you for your immediate attention to this matter.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: NE
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$14000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filled a credit report dispute which was received and opened for investigation on XX/XX/24. I asked Experian to reinvestigate and send me all information gathered and used to Verify this debt is mine. Try the same day the dispute is open they update and close the inquiry for XXXX XXXX XXXX. How can you update something that quickly yet provide no explanation?

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 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello Dear, This vehicle Vin:XXXX plat e : XXXX/TX is for sale at XXXX market in XXXX, IL by person name : XXXX XXXX . Title has other persons name on it an a lien holder from state of MD. They try to sold me this car but I saw fraud title and when I called XXXX police department they refused to came and I got a fight from Ms. XXXX and her mother in law. This is embarrassing and please make a research about this case because they have more vehicles for sales and someone from their family has a dealership license that is using for fraud sales. 

I gave deposit for a car with XXXX app of my Bank of America account. Today Ms. decline my request to give my deposit back. Bank said that they can only send request to Ms XXXX and waiting that she send money back, but cant promise anything. I was begging them to help me, and said that I have been asking couple of times but they said this is only that we can do. 

I really need help to get my money back. 

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 explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was approved flr a 60 month 0 % financing for a home project. 
I financed XXXX $ XXXX = {$130.00} they set my minimum payment at XXXX XXXX {$8300.00}

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 explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX XXXX  Account Number:XXXX  Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account NumberXXXX Account name : XXXX XXXX XXXX Account Number:XXXX  Account name : XXXX XXXX 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