BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently reached out to Equifax via Affidavit dated XXXX XXXX 2021 in regards to a credit report from Equifax that revealed There is an item listed as pertaining to me, in the amount of XXXX that I do not recognize, which is negatively affecting my credit and causing me distress in a variety of ways. The furnisher of the alleged debt is XXXX XXXX I advised Equifax that According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I was never given notification by XXXX XXXX  of the alleged debt prior to it showing up on my credit report I was never given the opportunity by XXXX XXXX to request documentation that could validate the alleged debt. 

I was never given notification that I had 30 days to respond to the accusation of debt by XXXX XXXX before it could be assumed as pertaining to me. 

I did not receive written notice of : The amount of the debt, or the name of the creditor to whom the debt is owed. 

XXXX XXXX has engaged in clear violation of the Fair Debt Collection Practices Act : Section 809. Equifax at the point of this complaint still has not responded, I gave them a follow up phone call on XXXX XXXX to check the status and they stated that they could not locate the Affidavit. Unfortunately for me the damage and stress continues with each passing day. I have reached out to XXXX XXXX  and advised them of their violations and requested that they stop the erroneous reporting but they will not. I am now hoping to resolve this issue through Equifax if they are not immune to the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Yesterday I submitted a complaint about this company because of a bill that was sent to collections by XXXX XXXX XXXX  XXXX. Today that I managed to contact CSA Inc, they reported sending bills to my WRONG address, and that they called me. However, I never received any calls from them, and they also sent bills to a wrong address, or perhaps never sent it because I had mail forwarding. Now they say that even though I paid my debt, the derogatory mark will not be taken off my credit 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 2023-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Acct # XXXX - First reported XX/XX/XXXX- {$740.00}. 
XXXX XXXX : Acct # XXXX - First reported XX/XX/XXXX for XXXX {$730.00} ( charge off ) and XX/XX/XXXX, {$980.00} date of last report. 

XXXXXXXX XXXX XXXX XXXX  Acct # XXXX - Amount past due {$96000.00} XXXX XXXX XX/XX/XXXX past due XXXX. 

XXXX : Acct # XXXX - Date of 1st delinquency XXXX XXXX. Date 1st reported XX/XX/XXXX for {$1100.00}. 

XXXXXXXX XXXX XXXX XXXXXXXX : Acct # XXXX - Date of delinquency XX/XX/XXXX, date first reported XX/XX/XXXX - {$490.00}. Last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - {$540.00}. Date of delinquency XX/XX/XXXX. Date first reported XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXXXXXX XXXX XXXX  : Acct # XXXX - {$210.00}. Date of delinquency XX/XX/XXXX, Date closed XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX XXXX : Acct # XXXX - {$570.00}. Date of delinquency XX/XX/XXXX, date 1st reported XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - Date of delinquency XX/XX/XXXX, date last reported update. 

XXXX XXXX XXXX XXXX : Acct # XXXX - {$250.00}, date of delinquency XX/XX/XXXX, Charge off, last reported XXXX XXXX XXXX 

XXXX XXXX XXXX  : Acct # XXXX - Date of 1st delinquency XX/XX/XXXX, date first reported XX/XX/XXXX, charge off {$540.00}, last date reported XX/XX/XXXX. 

XXXX XXXX : Acct # XXXX - date of delinquency XX/XX/XXXX charge off {$1800.00}. Date first reported XX/XX/XXXX, last date reported XX/XX/XXXX. 

These have violated my rights. 

15 USC 1681 section 602A states I have the right to privacy. 15 USC 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section 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 convictions of crimes which antedates the report by more than 7 years. 15 USCs-2 ( A ) ( 1 ) : A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: Advance America, Cash Advance Centers, Inc.
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There is currently a debt in the amount of {$170.00} owed to Advance America for an online payday loan. I receive calls from this company three times per day everyday of the week Monday throug Saturday, always between XXXX and XXXX, XXXX and XXXX and XXXX and XXXX daily. I have spoken with them and asked that the volume of cals be decreased and was told " as long as there is a debt owed, We ca n't stop the number of calls. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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 am reporting a fraudulent inquiry on my credit report from XXXX. Inquiry date XX/XX/2023 I am requested this inquiry be removed from my credit file because it is a fraudulent inquiry not made by me. I have already filed a dispute with Experian as well as contacted XXXX  but they said there was nothing in their system.

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 2023-07-26
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:
This is my one of my numerous 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 an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
this is my second complaint there on this issue the person who responded before does not respond to my calls so after wasting my time again earlier today i write again. I disputed XXXX dollar charge from XXXX XXXX weeks ago i did so the other XXXX because as a repeated multiple times i developed an XXXX XXXX shortly after my visit to the salon. which came from water being left in my ear. i called and called and i get CS who barely speak English who waste my time the person from the bank who answered i left messages for no response i want the enTIRE XXXX dollars refunded i have explained why in great detail multiple times. due to the loss of my well being and time i am unableto use my cards for months now CS must improve please credit XXXX dollars. i had to go to emergency room for treatment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have previously filed a complaint with the CFPB and the response from Weltman , Weinberg & Reis Co, LPA that is handling the debt collection case for XXXX, XXXX is not correct. Yes - Weltman, Weinberg & Reis, did provide the original loan agreement from 20+ years ago for the furniture debt, from XXXX XXXX that went out of business. This loan was consolidated into my Mortgage and was included in my Judgement in PA when my home was foreclosed on in the early XXXX 's. Furthermore, Weltman, Weinberg & Reis did notify me AFTER they received a judgement for this debt in XXXX XXXX XXXX, however, I was not made aware or notified of the debt at that time nor the court date. I was not living in PA during this time, and was only notified by correspondence to my new address in Ohio AFTER the judgement was obtained. I have requested to have a hearing in XXXX XXXX XXXX with XXXX XXXX and have provided paperwork to the courts. I have offered since being in contact with the debt collector on 3 separate occasions a settlement on the original amount of the debt. The debt has increased from XXXX to over 12,000.00 due to a 6 % interest rate that the attorneys nor XXXX, XXXX will stop. WE NEED HELP IN RESOLVING THIS!. We are now being threatened again with garnishment papers. When I contacted the atty 's office on XX/XX/XXXX, they stated that the account notes show NO SETTLEMENT. The collector was very rude and stated that they tried to contact me and their collection notes show no answer. I proposed a settlement on the original amount as I have acknowledged the debt, however, I do not agree on the unscrupulous business tactics that were done to obtain a judgement and NOT STOP THE INTEREST from accruing all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, my account was sold to XXXX XXXX XXXX. 
Also, the account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, this account was also sold to XXXX XXXX XXXX. 
XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). ****I am seeking the last payment made to both accounts****. They are restarting a debt clock.

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 2023-08-14
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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 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 2023-03-09
Company: Marlette Funding, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
MARLETTE funding has responded to CFPB compliant that the inquires that I am disputing were due to me applying for credit 4 times for the 4 inquires through XXXX XXXX and XXXX. I in fact have never applied for credit or a personal loan. MARLETTE funding please provide me documentation of me applying on those dates. 

MARLETTE funding please provide me documentation of the application me giving permissible purpose. If MARLETTE funding can not provide such documentation then MARLETTE funding must delete/ remove inquires off my report. And also a settelement of {$2000.00} for the 4 inquires for the impressible pulls. Or I will sue in federal court for violating FCRA rights and have attorney fees court fees covered by this company. 

I sent in 2 letters through mail and MARLETTE funding hasnt gotten back in my letter through mail. My last letter was sent yesterday regarding the same matter. Still havent received a letter back from MARLETTE funding through mail. If I dont get a letter through mail from MARLETTE funding I will begin the litigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: 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. I sent my XXXX verification letters on XX/XX/2023 here are my tracking number for all XXXX credit bureaus : # 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 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 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 2022-08-26
Company: CARMEL FINANCIAL CORPORATION, INC.
State: MI
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:
Ive noticed that its inquiries on my credit profile that shouldnt belong and I would like them remove immediately ( Carmel financial XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Account information incorrect

Complaint:
Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( XXXX, XXXX, Experian ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.

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 2023-07-24
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been unable to obtain any resolution from Experian regarding an erroneous reporting BK on my credit report. Experian conducted an initial investigation into a supposed BK reporting on my credit file back in XX/XX/2019. The result of that investigation was based on information obtained through XXXX who somehow had a BK against my name n their file in error. Since that initial investigation was complete, I have since corrected the errors with XXXX. Even though I have requested on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) for a re-investigation into the matter, Experian has refused to re-investigate. Additionally, their Online system will not allow me to submit any dispute and their call center representatives will not take a dispute from me. I even filed a CFPB complaint back in XX/XX/XXXX, to which Experian completely stonewalled and provided no substantive response whatsoever. Similarly, the CFPB accepted their lack of response and closed the case without checking with me first.

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 2019-12-16
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 contacted TransUnion multiple times about this account and they refuse to verify or delete this account. I have provided them with documentation showing how other bureaus were not able to verify this account as being mine. Also the balance that TransUnion is reporting is not the same as the actual creditor is reporting. TransUnion has not provided me with any documentation showing this account is mine. Also they have reported that my identity have been used to open accounts in my name, so with them not providing documentation to show this account belong to me, makes it seem like they just want the money from the creditor reporting this XXXX information rather than actually completing a thorough investigation. If that is the case I will have no choice but to take legal action against TransUnion.

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 2019-09-10
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and I discovered that a fraudulent account that was permanently removed and blocked has reappeared on my report as a collection as well as fraudulent inquiries. I would like these items to be permanently removed and blocked.

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