BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Duvera Billing Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I went into XXXX XXXX in hopes of purchasing a cocker spaniel. I could not afford the price they were charging so they offered to finance the dog. I filed the paperwork for the loan using their in house lending agent. After filing the paperwork and reviewing it I found that I am being charged 151.97 % which is five times the legal limit of 30 % that can be charged in New Jersey as per Section 2C:21-19 - Wrongful credit practices and related offenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX is reporting to the credit bureau that this account is a charge off, a charge-off account is a written off account as a loss and the account is closed to future charges, this is fraud, XXXX XXXX  XXXX has been accepting a XXXX dollars a month from me on this 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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$400.00} XXXX XXXX {$710.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$9600.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$1900.00}

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 2023-03-27
Company: EQUIFAX, INC.
State: AZ
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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:
To whom may this concern, I recent reviewed my credit report on XXXX and I seen that your company has reported some inaccuracies on my credit profile. Due to the inaccuracies it is affecting my lively hood. I am being charge more than I normally would be. I am receiving hire interest rates and also getting denied for a credit card that I would be approval. 

It my understanding that theres no law that states anything should be reported to the credit reporting agencies. And so your organization is liable. 
Per 15 U.S.C 1681 ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I never gave permission for your organization to furnish this report on my behalf and Im also aware your organization assumed a vital role. Since you furnished such report without my consent it is obvious that your organization is violating 15 U.S.C 1681 as your reports are unfair, partial and no does not respect my privacy.

And Per 15USC 1681 ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

As a result, here are my demands : - -Delete XXXX XXXX XXXX XXXX for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$4000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-10-05
Company: Experian Information Solutions Inc.
State: PR
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:
Experian is reporting a XXXX XXXX WITH ACCOUNT NUMBER XXXX account to me that I have asked it to investigate because it is not mine.

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 2020-10-20
Company: Bread Financial Holdings, Inc.
State: TN
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:
notified by XXXX  that there was an inquiry Inquiry was from company named " Comenity Bank '' Contacted Comenity Bank and was informed that they did not run credit report Contacted XXXX   again and they confirmed that Comenity did, in fact, run an inquiry I have no knowledge of Comenity Bank and am worried that fraud may follow. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is NOT a duplicate report and this is not filed by 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. State 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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Receivable Solutions, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I, on behalf of my husband, called XX/XX/2019 to inform Receivable Solutions, Inc. upon receiving a letter ( dated XX/XX/2019 ) that the account about was already paid off through the hospital. A mix up in accounts had caused a delay in payment being posted and the account was current. The lady who took my was rude, interrupting me, and refusing to allow me to talk. When she said her name it was muddled. As I tried to explain the mistake that had caused the issue, she interrupts me to say I have an account in collections as well. I explained that I was not aware of this account, but that shouldn't be. She was condescending about having her supervisor " check into '' the information I had provided about payment being made directly to the hospital. I asked if I could speak directly with that supervisor. She then said that if someone was there to talk me as if no supervisor was available to talk to me. After being on hold for several minutes, XXXX answered, who identified herself as a supervisor. I told her about how I was treated by the first lady. The supervisor apologized for me not being treat to " my expectations '' and said she would talk to the lady who took my call. After concluding my business matter ( putting my husband 's account on hold until the information I provided could be verified and closing my account ), I again asked about discussing customer service with the lady I spoke to earlier. The supervisor again said that she would talk with her. I asked if the supervisor could provide a follow-up about the matter. The supervisor then told me that she would replay the call and talk to her. I asked third time for a follow up on customer service training and she told me that she doesn't call customer 's spouses back. After I reminded her that I was a customer also, by her own admission, she said doesn't call anyone back about reprimands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business 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 explanation
Consumer complaint received 2023-03-26
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:
Please note, this is not a duplicate complaint and I am not using any thirds party for this matter. I'm sending this complaint due to new evidence. I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original application like I asked. Please correct my Credit Report on XXXX and this account must be deleted from my report - XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Us bank credit card/ sky pass promised bonus miles when I applied. And I been calling them sinceXX/XX/2018. They told me they will update the miles and they told me they not going to update my bonus miles.

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 2019-09-09
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps calling me looking for XXXX XXXX, my ex-wife since 2013. I have asked them to stop calling. They continue to call daily often times with a blocked caller ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report

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 2023-01-02
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX  XXXX  data breach as well as equifax 's XXXX  date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXXXXXX  Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions 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:
The unfair business injury that I and my family has being under is totally unbearable. 

Can not get a loan for my business ; or any loans for that matter. 
The whole situation is very stressful on me and the family to the detrimental of break up the a marriage.

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 2020-08-07
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
MY name is XXXX XXXX, key bank denying me of my civil rights. releasing my own personal informaton. then to be discriminated against by the branch manager XXXX XXXX, and refuse me again my personal account info when asked why she said that there where fraud charges against me and block on account, she was already aware, that I XXXX XXXX put the claim into the fraud department, and put the block on account because XXXX XXXX had me go to the branch sign a form on XX/XX/2020at XXXX XXXX branch XXXX releasing my account to the fraud department, because that account has a XXXX balance she asumed and made me feel like i was some broke poor XXXX but she failed acknowledge to see i have 4 other accounts with substantial funds. XXXX XXXX said go to fruad, fraud defferd to XXXX XXXX and branch ... .which still led to me being deprived of accessing my account ... I made further complaints to XXXX from keybanks executive office on XX/XX/2020.. I have numerous internal investigations againt keybank being  done by themselves, upon doing so they were then forced to give me my own personal bank info, on XX/XX/2020 at the end of the transaction my wife and I were then notified as were leaving by the LEAD TELLER XXXX XXXX ... that all of out accounts will be closed by XX/XX/2020 ... what powere and authorization does a lead teller have? when we said the other account we have issues with have nothing to do with our personal accounts how could they do that..she in return said were you open your account you sign it in your contract, so she is basically telling me that i have 1 business day to find a new bank to put our life savings in ... when they keep telling us that ... we are valued customers and there sorry that where being treated like this andthey will get to the bottom of this, but in the meantime there putting us through more and more ... the lead bank teller XXXX said by tuesday if we dont take our money out of our accounts then they will be closed no matter what and they will mail us checks out for our money ... then we go to police station to file police report with officer he then gives us a report ... .that barred and forbid to enter or call any KeyBank National Association properties ... so once again they are holding us from our civil rights ... and withholding our hard earned money and life saving. i should be mourning my mother and now i have to fight for whats rightfully right.. and still we have no rights ... ... .. 
Number 2 ... .... 
THEY NEED TO BE ADBDICATED ... BECAUSE THAT BRANCH IS COMPROMISED BECAUSE THAT BRANCH IS SYSTEMICALLY INCLINED TO OPPRESS XXXX XXXX PEOPLE FROM A DEMOGRAPHIC STANDPOINT THAT WE ARE PEONS IN OUR OWN COMMUNITY, SO THERE MENTALITY IS CONDECENDING, ANDWHEN YOUR IN A POSITION OF CLOUT YOU HAVE OPPORTUNITIES TO BE OPPRORTUNISTIC ... ..AND THAT XXXX AND IT STARTS FROM THE TOP

Company response to consumer: Closed with explanation