BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: SC
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 of 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 XXXX ; XXXX XXXXF - Account # XXXX ; Dept of EDXXXX XXXX Account # XXXX ; XXXX XXXXXXXX XXXX  - Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  - Account # XXXX ; XXXX XXXX  XXXX Account XXXX XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX - Account # XXXX ; XXXX XXXX - Account XXXX XXXX 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 take any consumer reporting 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 in accurate.

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 2023-04-12
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$160000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Stellar Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I came across this bill on my credit report from XXXX XXXX. I have never lived in the state where the bill was created. I told the company that the bill is not mine and they told me to get a police report. I tried to get one, but the police station near me told me that they do not give police report for such a thing. I am stumped do n't know what to do next. How else can I get such a bill off of my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has Violated my rights 15 U.S.C 1681 section 602 A states I have a 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 7 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 the information is not correct.

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 2022-01-12
Company: EQUIFAX, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Genesis FS Card Services, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection agency 12 genesis fs Has been reporting debt I don't own they with credit card terms not agreed to. Also furnish wrong amounts and terms for years with no ownership of debt and wrong amounts knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, 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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSET AND KNOWLEDGE. THEY USE MY ID TO OPEN PHONE BILLS IN MY NAME. THE PERSON ALSO RECIEVED MEDICAL ATTENTION UNDER MY NAME WITHOUT MY KNOWLEDGE. I AM WRITING TO REQUEST AND INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA & # XXXX XXXX. ON XX/XX/2020, I MAILED EQUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED TO REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VILOATIONS OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: CORELOGIC 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: Report provided to employer without your written authorization

Complaint:
between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.

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 2022-11-01
Company: EQUIFAX, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Equifax on behalf of XXXX XXXX XXXX XXXX made a clerical error resulting in a fraudulent hard inquiry on XX/XX/22 that is still inaccurately shown on my credit report. Need report in order to get this illegal inquiry removed thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account has violated my rights. 15 usc 1681 section 602 A. states I have the right to privacy. 15 usc1681 section 604 A section 2 : It also states consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Credit bureaus violated my rights. I gave them a chance to update the account reported on XXXX. Under 12 U.S Code 1681 ( a ) Accuracy and Fairness of credit reporting - The Congress makes the following findings ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. Failure to comply or delete these items

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 2023-12-18
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
At XXXX I was at the grocery store checking out and I attempted to log in to my online bank app to unlock my debit card when it falsely locked me out saying my credentials were invalid. My username and password are saved in my phone, and they worked a few hours prior when logging in to unlock my card earlier in the day. I attempted to reset my password which asked to verify my username and last four of SSN. After giving this info correctly, it sent me a text message PIN number for me to enter to continue resetting my password. After I did this, the app told me they couldnt reset my password. I did this two more times before having to leave because the grocery store closed at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: Credit Plus Inc
State: VA
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:
XXXX XXXX and XXXX XXXX conducted hard inquiries on XX/XX/2019.  Credit Plus made two hard inquiries: One on XX/XX/2019 and one on XX/XX/2019.  I was told they did two inquiries because the company had misspelled my name, which was not my fault.  It is my understanding that if hard inquiries are made within 30 days of each other, they are supposed to count as only one inquiry.  That did not happen with either XXXX XXXX, XXXX XXXX, or Credit Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: North American Credit Services
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After I filed the initial dispute of debt on XX/XX/XXXX, regarding a medical debt from XX/XX/XXXX, North American Credit Services ( NACS ) never acknowledged my request. On XX/XX/XXXX, I called the number on the billing statement from XXXX XXXX ( XXXX ). The customer service representative ( XXXX ) said the matter would be looked into since the XX/XX/XXXX medical bill was in fact on a payment plan and being paid as agreed. On XX/XX/XXXX, I again called the billing number ( XXXX ) to speak with another XXXX who again confirmed the debt collector would stop. I am still receiving contact from NACS so I again called Advent billing again on XX/XX/XXXX ( XXXX ) to again be told my account is in good standing and no collection agency is needed and the debt would be pulled back. Still receiving NACS letters so I call XXXX Billing again on XX/XX/XXXX ( XXXX ). This XXXX was proactive and contacted her XXXX. She confirmed my my XXXX XXXX XXXX is in good standing, paying as agreed, and NACS collection would stop. On XX/XX/XXXX, I receive yet another NACS letter stating they are sending my account to legal. I am still paying the account balance, every month as agreed, to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX  XXXX  account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian ( and XXXX while we're at it ) both have a ridiculous policy of disallowing credit reporting disputes online if you've EVER submitted a dispute for the same data furnisher EVER in the past. 
Both of these agencies only allow you to dispute by phone when you're blocked from doing it online and both also go OUT OF THEIR WAY to make it impossible to reach them via phone to resolve the issue when that is the only option a customer has ( besides sending a snail-mail letter in 2023 ). 

I tried calling Experian this morning and even though I am a paid member of their credit monitoring service, I was presented with an interactive voice response system that was more than XXXX steps deep. This same system also asked me the same questions over and over again after transferring me to different IVRs. At no point could I reach an actual person, even when pressing " XXXX. '' If I'm a paying member, I should have the right to expect better customer service than this. 

I'm also deeply suspicious of a credit reporting agency reserving the right to REFUSE to investigate a consumer-initiated dispute at all -- especially when the amount of time between disputes and/or when the reason for the dispute are both vast and different. 

The last time I filed any kind of dispute regarding this account was more than 2 years ago and the reason wasn't even the same as what the issue is now. What's worse -- the data furnisher DID fix the error that I reported back then, but Experian claimed nothing changed and incorrectly states " dispute resolve -- consumer disagrees '' on this account. 

( I have proof that the furnisher did change the incorrect information, so Experian is actually in the wrong in this case ).

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 2022-09-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I Have had my credit file for a long time now as I already have 9 open credit cards available to me I havent verified my personal credit in a while, on XXXX, XXXX 2022 I decided to apply for Buissness credit card for my company surprisingly I was denied upon verification of my credit score and credit report I realized unusual inquiries from these credit institutions named above I will be placing a credit freeze and credit monitoring service with the 3 credit bureaus I belive that my information was compromised upon application for a vehicule loan.

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 2023-10-02
Company: Resurgent Capital Services L.P.
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:
On XX/XX/XXXXXXXX  I received an email from XXXX XXXX at " XXXX XXXX XXXX, a debt collector '', stating they are trying to collect a debt that I owe to LVNV Funding, LLC. 
The original creditor is listed as XXXX XXXX  with account number ending in XXXX, and it said I owe {$2300.00} from XXXX, XXXX. I responded to the email advising her I do not recognize the debt and that I was disupting it, and asked for PROOF/verification to be mailed to me in support of their allegations that I owe XXXX XXXX  this amount they are claiming. On XX/XX/XXXXXXXX   I received a letter dated XX/XX/XXXXXXXX  from " Resurgent Capital Services '' on behalf of current owner LVNV Funding, listing XXXX XXXX  as the original creditor. The letter does not indicate what type of an account this allegedly is ; it simply lists XXXX XXXX  as original creditor, origination date of XX/XX/XXXX, chargeoff date of XX/XX/XXXX ; and that they acquired the account on XX/XX/XXXX. First, this loan originated TWENTY ( 20 ) years ago. AT NO TIME between today 's date and origination date of XX/XX/XXXXXXXX  have I ever received any written correspondence nor any collection notices from XXXX XXXX. The letter from Resurgent Capital Services includes a Texas disclaimer stating due to the age of this debt, they can not sue me nor report it to any credit reporting agency. Despite my request, they have failed to provide any copies of original loan documents, or anything with my signature on it verifying that I willingly agreed to borrow any money from XXXX XXXX  20 years ago. As Texas prohibits them from suing me or negatively reporting to the credit bureaus for this debt due to its age, they can not continue to harass me and pursue me for this debt, so I question why they are still allowed to contact me when they legally can not continue pursing me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: MA
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:
Disclaimer : I am submitting this complaint on my own and without the help of a third party company. 

As Equifax is aware, Bankruptcy courts do not report to credit reporting agencies and have fraudulently obtained, and subsequently furnished, this information from a third-party source using my private personal information. With that said, they have violated various Code of Federal Regulations along with my consumer rights as follows : -5 USC 552a ( b ) - no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent, of the individual to whom the record pertains ... Equifax has done the contrary. 
- 12 CFR 1016.3 & 4- Equifax has utilized my nonpublic personal information without reasonable basis and without notice. 
-15 USC 1681 ( b ) - Equifax has furnished the referenced bankruptcy without permissible purpose. 

A letter regarding this matter has been sent via certified mail to Equifax 's privacy and compliance officer.

Company response to consumer: Closed with explanation