BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-21
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. I rented a home and had XXXX XXXX. I canceled service when I moved before 2014. They told me I had to turn in a piece of equipment that was located on a tall telephone poll over 30 ' tall. I told them I was XXXX and could not climb the poll and asked if they could send someone out, they said " no '' and told me to figure it out. I owed a phone bill but I could not turn in that piece of equipment so they added that to my final bill. I can not go on someone elses property or climb the poll myself so they are charging me over {$300.00} for that piece plus interest and penalties because I am unable to turn that piece in. I turned in everything else inside the home. I feel like they are discriminating and trying to force someone to pay for something that XXXX installed on the pole that I could not climb to retreave. XXXX XXXX is now collecting and I try to dispute but they say XXXX will not change the collection amount they are charging me for that piece.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
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:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices.

My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Equifax has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Equifax may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Equifax has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Commonwealth Financial Systems, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company is attempting to locate me. I tried to call and was told the person was unavailable. This compa ny CFS ( Commonwealth Financial Systems ) co ntacted my brother who resides in a different state. The representative was rude and used profanity. The company 's address i s Commonwealth Financial Systems    XXXX   XXXX   XXXX   XXXX   XXXX  , Pennsylvania  XXXX  I will leave a message for this company to not call me or my family as of   XXXX   XXXX   XXXX    . I have never received any documents or correspondence in regards to their alleged dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THIS SECTION ON WHY THESE CREDIT INACCURACIES ARE DETRIMENTAL TO MY LIVELIHOOD. 

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

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 2022-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hard Inquiries : XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account. 

2- DEPARTMENT OF EDUCATION- was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + CAPITAL ONE AUTO FINANCE - I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + CAPITAL ONE AUTO FINANCE -I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. 

- Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Convergent Resources, Inc.
State: NY
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681SECTION 602 A. States i have the right to privacy.

15 U.S.C 1681SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card 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 explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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:
My credit report is showing late payments on XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa. XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One & Account Number XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 'XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-11-24
Company: EQUIFAX, INC.
State: CA
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:
This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX 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. 
XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over a year ago I paid a settlement amount to this company. They were supposed to send me notification that the account had been settled after making a large payment on this account. The payment was made but the company failed to make any changes to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I received a notification that XXXX/XXXX  was a new account on my consumer credit reports. 

This account was previously deleted back in XXXX and I did not receive a notice from the credit bureaus nor the original creditor that it will be re-inserted. Furthermore, this account does not belong to me. 

This reporting is inviolation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B )

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 2023-09-12
Company: EQUIFAX, INC.
State: CA
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$7000.00} XXXXXXXX XXXX XXXX Balance : {$36000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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:
I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding the handling of my request to block information in my personal credit report due to identity theft. My interactions with Equifax have led me to believe that my rights under the Fair Credit Reporting Act ( FCRA ) have not been adequately respected. I made a request to block specific information on my credit report due to identity theft, citing the relevant case of Engelhardt v. Gravens as grounds to contest the accuracy and validity of the alleged debt. I have not been supplied with proof of this alleged debt, nor therefore any such debt, in face exists, However, Equifax has declined my request based on assumptions of error or misrepresentation without appropriately investigating the matter. As per the doctrine of estoppel by silence, my failure to provide explicit proof does not imply acceptance or acknowledgment of any alleged debt. Despite my efforts to assert my rights and highlight the potential consequences of identity theft on my financial well-being, my concerns have not been addressed appropriately. Under the provisions of FCRA 611 ( a ) ( 7 ), I am hereby requesting a detailed description of the procedure employed by your agency when providing all information to the creditor in connection with the aforementioned dispute. Specifically, pursuant to FCRA 611 ( a ) ( 2 ) ( B ), it is imperative that your agency forwarded all relevant information I provided during the dispute process to the creditor for their thorough investigation. Duty to Investigate : As evident from Anderson v. Equifax, the court emphasized that credit reporting agencies have a duty to thoroughly investigate when consumers dispute items on their credit reports. XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX XXXX  Account : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX, XXXX Account : XXXX, XXXX  Account : XXXX. I assert that I have NEVER provided any consumer reporting agency with WRITTEN INSTRUCTION to report these specific accounts on my consumer report. This unauthorized inclusion violates my rights as a federally protected consumer. NO CONSENT WAS GRANTED, and the unauthorized reporting of these accounts amounts to identity theft. This duty is essential in ensuring the accuracy and integrity of credit reports and protecting consumers from the harmful consequences of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I called and spoke with a representative and informed them that I had medical insurance and that the debt should've never been placed on my credit report. Also, any medical debts should not appear on the credit due to privacy and HIPAA laws which they are clearly violating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$950.00} from CashNetUSA on XX/XX/2017 and another {$430.00} on XX/XX/2017 and another {$300.00} on XX/XX/2017 ( in total, {$1600.00}. ) I have since repaid {$1900.00}. My balance remaining is still somewhere around {$700.00}. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. I submitted a complaint previously and no resolution was reached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation