BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: Experian Information Solutions 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:
XXXX XXXX has been reporting on my credit profile to collect a debt that is not my debt I have sent several dispute action to XXXX Experian and XXXX regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX back in XXXX they mailed me a letter to fill out a ftc.gov form affidavit I filled that out I mailed it is still appear that it is showing a closed account That has not been removed as a fraudulent activity on my credit report. On the XXXX and also Experian, it appears that it was removed as I show documents and then it appears it is show back up on my credit report and I am reporting the inaccurate fraudulent activity that is reporting on my credit report. The account XXXX XXXX does not belong to me. As I have attached documents and mailed out several letters I have tracking receipts and I have mail certified letters sent to the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX, I received letter stating I owed nearly {$4000.00} for a {$300.00} ( XX/XX/XXXX ) boat repair. Repair was not done correctly and bill included items and hours beyond what was agreed upon. Cost of parts and labor were falsely stated. Collection Letter gave no information as required about dispute process, time frames, etc. No accompanying information on alleged debt and debt was stated due in XXXX of XXXX. 

XX/XX/XXXX, I disputed debt to Collection agency asking for documentation and verification of alleged debt be mailed and no contact with me. I learned from XXXX XXXX the debt was referred to credit bureaus on XX/XX/XXXX. 

Owner of collection agency called me on XX/XX/XXXX, when I requested no contact. 

XX/XX/XXXX Collection agencies advised all 3 credit reporting agencies they had validated the debt and met requirements of FCRA. 

XX/XX/XXXX I received notification from my XXXX XXXX subscription that collection agency had reported a second month past due. 

I do not owe this sum. The boat mechanic has come to my home and frightened me, and my boat sank a short time later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax not letting me manage my freeze getting following error. 

We are temporarily unable to retrieve the status of your security freeze. Please try again later. 

Does not work after trying again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while SEVERAL laws have been broken under the FCRA by your company. This has cause financial injury, defamation of character a loss of my security clearance, I cant apply for credit and in a hotel because im unable to secure rent. Ive placed fraud alerts on my account theres countless inquiries I didnt do 2 fraudulent credit cards which dont belong to me that havent been verified and the burueas have made a mockery of my reports. I wasnt even able to obtain an XXXX loan during the pandemic while trying to secure funding for my business I created due to the fact that I couldnt get hired into my field of study because it requires a clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They checked my XXXX credit report Without my Authorization.

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 2023-11-15
Company: EQUIFAX, INC.
State: CA
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a payment plan to pay off a copay balance with XXXX XXXX on XX/XX/2021. The plan was for two payments of {$84.00}. One payment was automatically withdrawn in XX/XX/XXXX and the second on XX/XX/XXXX. Both payments are reflected on my health savings account summary. Last week I received a collections notice from Credit Control , LLC indicating I failed to make the second payment and they were therefore attempting to collect a debt of {$84.00} owed to XXXX 
I tried dealing first with XXXX billing and they merely had me email proof of the payment and said theyd let the collections company know I was disputing the debt. Not trusting XXXX, I reached out to XXXX XXXX myself to inform them that there is no debt and to provide proof that I had paid the sum theyre trying to collect. They told me they will not accept proof of the payment from me and would just list the debt as in dispute for the next 30 days and wait for XXXX to sort it out. And if XXXX doesnt tell them the debt wasnt legitimate, they continue their attempts to collect and ultimately send this to the credit bureaus if I dont pay. They refused to accept proof that I had paid the bill they are attempting to collect. They gave me two options only : pay or dispute. 
Despite spending nearly a week emailing with the XXXX billing department, Ive gotten no where other than answering the same questions over and over and providing the same information over and over. The billing department only corresponds by email and I get a different person every time I try to follow up and they then repeat the same questions Ive already answered. Today, the best I got was the information was being forwarded to the investigational team except that should have already been done by any of the other people I previously spoken to. Given that XXXX is doing nothing to resolve this, I am concerned for my credit over a bill that I paid. Its incredibly troubling to me that a collections company can refuse proof that the bills they are attempting to collect on have been paid. And they seemed incredulous that Id suggest that they may have liability for refusing proof I have paid the debt theyre threatening to ruin my credit over.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint with the CFPB regarding unauthorized inquiries on my credit report. These inquiries, which are reported on my credit report from [ name of credit bureau ], do not reflect any activity by me. 

The following inquiries have been reported on my credit report without my knowledge or consent : [ XXXX, XX/XX/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  XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ] These inquiries have caused me financial harm, as they have negatively impacted my credit score, which affects my ability to obtain credit and other financial services.

I am asking the CFPB to investigate this matter and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the unauthorized inquiries be removed from my credit report immediately.

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 2018-01-19
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:
MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and Experian Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans were transferred from to XXXX to XXXX in XXXX. XXXX and XXXX are both reporting the same student loans.The balance with XXXX should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and XXXX. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with XXXX should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my XXXX 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 2016-05-25
Company: Baxter Bailey & Associates
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
1 ) XXXX XXXX has used Thug Like Measures - Demanding ( without Surety discussing with me ) Has aggressively asked my Surety Bond Company Cancel my bond for XXXX/XXXX license that had direct impact on XXXX XXXX License XXXX ; which I have had for nearly 4 years. Dated XXXX/XXXX/16 a. We have a written agreement XXXX/XXXX/16 ; XXXX & XXXX & XXXX Baxter Bailey with 4 payments ( two made already ). 

b. Our Surety cancelled both bonds, I was under the impression since we had an agreement with BB that this would not impact the bonds. 

c. Am reapplying for new bonds, IF I AM NOT ELIGIBLE or am denied I can be forced out of business that will impact XXXX-XXXX employees. 

2 ) BAXTER BAILEY XXXX XXXX - Collections Associate and the company have multiple legal and complaints 3 ) XXXX XXXX Baxter Bailey VP Sales has placed a XXXX website posting on XXXX/XXXX/16 ( EMBARASHING and placing information out there that needs to be removed ). 

4 ) XXXX XXXX and XXXX a XXXX business is NOT AWARE OF THE " harassment, online doxing ( shaming ), and the failure to resolve the claim once it was settled '' CAN YOU ASSIST ME XXXX - XXXX XXXX ( USA ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA. XXXX Ph : XXXX Fax : XXXX Cell : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 XXXX has violated my rights. 

Under 15 U.S.C 1681 Section 602 states I have the right to privacy.

Under 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.

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2022-12-11
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:
Never opened this account. 
Called multiple times to remove reporting information with no success. 
Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2022 Responsibility Individual Account Account Type installment Loan Type SECURED Balance {$720.00} Last Payment Amount {$0.00} Original Amount {$720.00}

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 2022-02-03
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: Account information incorrect

Complaint:
I have an auto loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXXXXXX 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 explanation
Consumer complaint received 2019-01-09
Company: NATIONWIDE ACCEPTANCE LLC
State: MN
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 Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. 

Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.

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 2020-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ( XXXX XXXX ) had co-signed for a car with my son ( XXXX XXXX, XXXX ),  can't remember when. 

I was contacted by XXXX XXXX back on XX/XX/XXXX. I agreed that I would start with a down payment of {$470.00} on XX/XX/XXXX, leaving XXXX payments of {$89.00} bi-weekly starting on XX/XX/XXXX until XX/XX/XXXX. You will notice that check numbers starting with XXXX for {$470.00} and then after started with check number XXXX for {$89.00} on XX/XX/XXXX until it continued XX/XX/XXXX with check XXXX. I started paying on my own XX/XX/XXXX until XX/XX/XXXX In XX/XX/XXXX my son still had on his credit report the vehicle with Capital One, so he filed for bankruptcy. Once Capital One was notified, XXXX XXXX stop taking direct payments out of my checking account. I did contact them and was told that Capital One took back the account that I had agreed to pay on and told me contact them. I call Capital One and was told I had to start over with new payments cause my agreement was no longer valid. 

I contacted my son lawyer and was told his bankruptcy had nothing to do with me and I should continue paying on my agreement. I explained they had stop taking the payment and he informed me send a check and I continued until the last payment on XX/XX/XXXX. 

I was trying to finance a vehicle and was told that Capital One is that high credit or limit is {$32000.00}. 

I have paid on my agreement and now they want me to pay more money, not fair. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XXXX XXXX, Equifax is reporting incorrect information. I am very frustrated about it because they are not fixing this issue. The date of my bankruptcy XXXX XXXX is in correct on XXXX XXXX. it is reported that the date filed is XX/XX/XXXX. I did not file for bankruptcy on that date. I filed for bankruptcy XX/XX/XXXX.

Company response to consumer: Closed with explanation