BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

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. 
XXXX Account # XXXX ( input accounts ), 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 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 explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: MA
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:
Below is the letter sent to EQUIFAX begining of XXXX and they still refuse to respond. 


XX/XX/2020 To : EQUIFAX XXXX. XXXX XXXX XXXX, GA XXXX Re : Not able to access my account/EQUIFAX refusing to verify my identification, and reporting in correct information. Then refusing to allow me to dispute the information saying they can't verify me. 

Im writing this letter because EQUIFAX will not allow me to access my credit file, I have provided all identification information online and over the phone and EQUIFAX claim you can not verify my identity. In addition, Equifax has caused XXXX to close my account because Equifax stated they could not verify my identification provided through the requested form 4506-T XXXX submitted. 

I called and spoke to an Equifax representative on XX/XX/2020 regarding this issue and was told that EQUIFAX doesnt have enough information to verify my identification. This I dont understand knowing that EQUIFAX is taking in and reporting out information on me. The representative said I need to send in a copy of my State ID/Drivers License and Social Security Card. 

I am aware of a breach of information in your system in the past and Im uncomfortable with providing this information, but EQUIFAX is holding my information under hostage, preventing me from getting approval for a of line of credit, impacting my credit score and now XXXX closing my account due to EQUIFAX neglect. 

Attached is a copy of my Drivers License and Social Security Card, as requested. I need access to my EQUIFAX account and I need EQUIFAX to provide the requested information that XXXX asked for so that maybe they will reconsider re-opening my account. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: The CBE Group, Inc.
State: NY
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:
There is a fraudulent CBE GROUP/XXXX XXXX account on my credt. Please see the attached FTC report and remove it from my Credit. I have contacted CBE group and they have marked the account as FRAUD and yet they are continuing to report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had called this company when I noticed that my loan balance never changed and also that my credit report each month was reporting my payments. They stated they where reporting my information to the credit reporting agency each month. So I called them and I also pulled my report from each agency and it was not showing no update. I had to file a dispute to get my credit report updated. Now my report is back to how it was again where they have not reported payments and my balances and not changing since I last had made a dispute. I called them and they said they would look into it and get back with me. They never got back with me. I pay them every month on time and I should not have to ask them to report my updated balance and payments monthly. They should do this without being told to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: NCB Management Services Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This information has been removed off of another account, therefore it needs to be removed off my XXXX and XXXX account. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2022-11-27
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
In XX/XX/2021 I paid an order fee of {$250.00} to reserve a XXXX XXXX XXXX and was given a reservation number : XXXX. A year later has passed and I finally got a notification that it was time to secure financing and take possession of my new XXXX. Well unfortunately due to credit issues I was unable to secure an auto loan and I tried with several financial institutions which probably made my credit worse with all the inquiries. I was informed by Tesla Representatives that if I didnt secure financing in a timely manner that they would cancel my Reservation number that I paid for. I just couldnt get anyone to do the financing so Tesla cancelled my reservation number with no hesitation. I have reached out to XXXX for them to please give me consideration and reinstate my reservation number to which they refused. I asked them What is the incentive for XXXX to come back to XXXX to buy a car if they are loosing money with you like this? This is not a good experience non-whatsoever. I got a very generic response which was : I understand. And apologize for your experience. Unfortunately, the only way to move forward is to re-order at the current price point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I inquired about a debt reporting on my credit report. I have reached out asking for documents stating the debt I owe. I have not been provided any documentation. Instead I was given a copy of an affidavit stating Persolve Legal Group purchase debts from XXXX. I am requesting again a copy of the debts that you say I owe, a copy of the contract with my name & signature, and a copy of a 1099c if applicable. You are reporting false information on my credit report which is damaging my credit report. Also, you are reporting late payments for a debt I do not owe you. Please provide the agreement I made with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2023-04-05
Company: EQUIFAX, INC.
State: IL
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. 

XXXX XXXX  Account # XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # 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 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 explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: MI
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 disputed the following accounts on my credit report to have them removed and they were updated instead : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This leads me to believe that a fair investigation was not conducted. Experian nor any other reporting agency has my written instructions to furnish this information. How did the credit bureaus verify these accounts as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2023-05-23
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:
This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 reported identity theft and the accounts were closed only to discover they have reappeared

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 2020-05-07
Company: Kriya Capital, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I terminated my service with XXXX XXXX XXXX XXXX in late 2019, I was told that the final bill would be XXXX XXXX and XXXX something dollars for early disconnect and the rep was going to notate the account that I would be disputing the amount because I was mislead at the beginning of the contract. I called prior to the beginning of the next months service as well, so there should have been no additional monthly service fees. When I called back to provide my mailing address and request a box to return their equipment ( I advised her service was for a second home with no mailbox ), she said it was not necessary and to just drop the equipment off at a local XXXX XXXX location. My neighbor of the location I had the service at called me and said there was a return box from XXXX XXXX XXXX XXXX on my porch. Of course this is after I had already explained we did not live there or have a mailbox. I have received no communication since then. I have another account with XXXX XXXX XXXX for our primary residence, so they have my mailing address. I have received no collection letter nor was I given an opportunity to dispute the debt at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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:
PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ) Address : XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) The following items are reporting incorrect status. Please correct the following items : XXXX SELF LENDER - Date Opened : XXXX ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$340.00} XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$0.00}

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 2022-12-09
Company: Experian Information Solutions Inc.
State: MT
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 has reported to credit reporting agencies that I owe an alleged debt and that it's been charged it off and closed the account without ever verifying anything with me including sending the identity of the original creditor and an original lawful contract to validating this debt is indeed mine. This is in direct violation of the FDCPA and is a defamation of character as this information has negatively impacted my scores and caused great injury.

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 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXXXX/XX/XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX{$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXXXX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00}

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 2020-11-16
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 status incorrect

Complaint:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX ( XXXX & Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( Equifax ) The following items are reporting incorrect status. Please correct the following items : XXXX XXXX   XXXX  - Date Opened : XXXX ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$340.00} LEAD BANK - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax, XXXX and XXXX falsely put things on my credit report and threatened me to pay them, they have put debt on my accounts and put my score in the negative I have been having this problem for two years Ive done everything and still nothing has changed I made a police report and filed a complaint and I have yet to see any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I pulled my report from XXXX and it showed a closed/ charged off credit card account from Bank of America that isnt mine. Ive never had a credit card with this company. I called Bank of America and confirmed that I do not have nor have ever had any accounts with them. They asked for my name, date of birth and social security number and still could not find any information on said closed/ charged off account. I politely asked if there was any letter they can provide as proof that I didnt have a delinquent account with them and was told no because we cant give you a letter to verify an account that doesnt and never existed. Im stuck Im with an account on my credit report that isnt mine and Bank of America will not give me a letter so that I can dispute it. XXXX will not remove said account and I dont know what else to do

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 2023-04-18
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation