BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: MA
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:
Hi XXXX XXXX XXXX ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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:
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.

The letters are stated with items and issues.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX are violating my rights as a consumer. I began notifying the consumer reporting agencies that they were violating my rights on XX/XX/22. I also notified them on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. XXXX XXXX has removed the accounts from my file. 15 US Code 1681 Section 602 a says I have a right to privacy. No consumer reporting agency can furnish an account on my file without my written consent. I have not given anyone written consent. This is identity theft. 15 US Code 1681 c 2 says a consumer reporting agency will block any information on the file of a consumer that the consumer identifies as information that is the result of alleged identity theft within 4 days after the day of receipt. These accounts are still reporting. XXXX  and XXXX XXXX are also committing tax fraud. The IRS says it is illegal to report a charge off. According to them this is income. I am demanding they file a 1099 C and I would like the audit trail of these fraudulent accounts. They both are 15 USC 1681 e ( b ) by not reporting 100 percent accurate information. I am demanding that they follow 15 1692. ( c ) and cease all conveying of information directly to any person through any medium. The communication is the reporting of these accounts to my credit file. My consumer report is the medium. Your deceptive practices have caused me great mental distress and caused me to lose faith in our banking system. I demand that these accounts be removed 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 non-monetary relief
Consumer complaint received 2021-01-29
Company: Experian Information Solutions Inc.
State: PA
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:
There are criminal charges on my report that I was not charged with and dismissed. I have contacted my attorney for this is very upsetting and not accurate information and is very harmful to be put on a credit report when not correct. I am very upset and dont understand how anybody has the right to put anything criminal that was dismissed.

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 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 several accounts on my credit report that do not belong to me. Ive asked the bureaus on 4 different occasions to provide accurate validation of the claims, debts, and inquiries affecting my credit and theyve failed to comply with the FCRA by doing so.

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 2021-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been attempting to get pre-approved for housing. The mortgage company i am working with needs access to my credit report through Equifax, but had received errors claims the account/report is fraudulent for whatever reason. I have called Equifax over a dozen times now to resolve this matter. I have verified my identity countless times, sent three faxes to numbers they provided. I am still no closer to removing the freeze or error on my account that caused this problem to begin with. The customer services agents I've spoken to, none of which were from the United States, have been extremely unhelpful. They talk in circles and direct me to solutions that are dead ends. This has been going on for around month now and I can not afford to wait any longer. I needed this done weeks ago, and I'm still wasting hours every day trying to get it fixed with no help from Equifax itself. I'm still unclear what the error even is, but I have tried in countless ways to correct it. Needless to say I'm very frustrated with Equifax and their customer service, and do not have the time to waste on any other fruitless phone calls and faxes they will claim they never received. 

Below I have attached one of the three faxes I have sent. It has been redacted to remove peroneal information. Though I can send an unredacted version if that is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these accounts from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX  XXXX Balance Owed : {$950.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00}

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 non-monetary relief
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: TN
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 DISPUTED THESE ITEMS THEY HAVE NOT REMOVED THEM YET

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian is currently in violation for reporting multiple inaccuarte inquiries on my consumer credit report. Please see attachments for details. 

XXXX bank card- as it appears on my Experian credit report. XXXX is currently being reporting without permissible cause as required by law. As a result, Experian is in violation and must be immediately removed. 

XXXX XXXX XXXX-as it appears on my Experian credit report. XXXX  XXXX XXXX is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be deleted effective immediately. 

XXXX- As it appears on my Experian credit report. XXXX- is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be removed effective immediately. 

XXXX as it appears on my Experian credit report. XXXX is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be removed effective 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 2019-12-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A XXXX XXXX debt for {$110.00} was discharged under my bankruptcy in XX/XX/2016. Its been re aged and put back on my Experian Credit report as a charge off but in collections.

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 2019-10-14
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: Public record information inaccurate

Complaint:
COLLECTOR ONCE AGAIN FAILED TO SEND A TAX LIEN RELEASE VERIFICATION FOR THE ILLINOIS DEPT OF REVENUE SHOWING PAID/SATIED AND UPDATE EXPERIAN TO REFLECT SO.SEE CFPB COMPLAINT NOXXXX, DATED XX/XX/2016.

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 2023-07-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TD BANK US HOLDING COMPANY
State: MA
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:
ON XX/XX/2022 A CHARGE OF XXXX APPEARED ON MY CREDIT CARD ENDING IN XXXX THRU TD BANK XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  IN XXXX XXXX XXXX MILES AWAY. SINCE I WAS NEVER THERE AND SPENT THE ENTIER DAY AND NIGHT IN XXXX WITH FRIENDS AND MY WIFE I REPORTED THE CHARGE TO TD BANK AND ALSO POINTED OUT TO THEM THAT I HAD USED MY DEBIT CARD 4 TIMES FROM XXXX TO XXXX PM IN STORES IN XXXX AND NEVER LEFT TOWN. PLUS THE CARD IN QUESTION WAS IN MY WALLET THE WHOLE TIME AND THE ONLY TIME I USED IT WAS VALINTINES NIGHT. THEY REMOVED THE CHARGE AND THEN PUT THE CHARGE BACK ON 2 WEEKS LATER STAITING THAT THEY HAD A LOT OF EVIDENCE THAT I WAS THERE. THRU THE TD BANK MANAGER WE REQUESTED TO SEE THE EVIDENCE AND THEY SAID WE WOULD HAVE IT IN 10 DAYS. I HAVE BACK TO THE BANK EVERY 3 WEEKS SINCE AND THE CREDIT CARD COMPANY CONTINUES TO SAY THEY HAVE THE EVIDENCE AND WILL SEND IT IN 10 DAYS. THIS HAS GONE ON FOR6 MONTHS. I HAVE NEVER BEEN TO XXXX  IN XXXX. NO EVIDENCE HAS BEEN GIVEN

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint refers to my recent security freeze with Equifax. ( It should be noted that I was able to create a freeze online at XXXX  and XXXX  both with NO difficulty and I have ready online access to modify my requests with each service. ) Although I was able to initiate my freeze request online with Equifax ( https : //www.equifax.com/personal/credit-report-services/credit-freeze/ ), it could not be completed until a verification code was sent to me via regular US Mail . 

Once the code was entered on the Equifax site, I was prompted to create an account for myEquifax. The account was successfully created ; however, each attempt to log in fails. 
( https : //my.equifax.com/membercenter/ # /login ) Each failure is met with the webpage at : ( https : //my.equifax.com/membercenter/ # /login/error/mc-customer-care ) There it is requested that : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX I placed a call simply to learn why it is NOT possible for me to log in despite using proper credentials. While waiting on HOLD for nearly an hour and a half, I searched online to discover that Equifax has a long history of customers having problems with accessing their account information. It is apparent that I am just one of many who find Equifax a nightmare to connect with. 

Equifax should be as easy to deal with as the other credit reporting companies - or it should be prevented from continuing to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Contacted original creditors XXXX XXXX XXXX and supplied them with evidence of having medical insurance at time of service. And closed acct. This debt collector has yet to close this acct with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after XXXX XXXX XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: MA
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:
Hi CRA, XXXX, Equifax and XXXX ... See attachments because This is driving me crazy. I've been wanting to have these items deleted ASAP so here -- I have included further information regarding the inaccuracies on these items and why exactly they should be rectified or alternatively removed from my credit report. I expect and demand that these errors be remedied at once, if you are not able to fulfill this then I ask that you furnish the full responses from the creditors as well as their full contact information like full legal name, accurate mailing address, as well as an accurate telephone number so I may address these issues directly with them.

Im little perplexed and shocked that these accounts below is still reporting falsely into my credit report which as dramatically affecting my credit score and my ability to finance a house for my family at this point. Especially during this pandemic of COVID19, Im finding it really hard to get any finance with these alleged delinquencies into my credit.

Honestly, there is no way that you conducted a reasonable investigation from my previous several disputes and challenged, because its still reporting incomplete, misleading, multiple inaccuracies and inconsistencies with reporting. Its my understanding after talking to your representatives and talking to a friend lawyer that once a CHARGE-OFF account is closed, it shouldnt report any more C/O status or 30/60/90+ days late on payment history. Cmon, how come there are different dates of last active, last payment, 1st dates of delinquencies, inconsistencies on my credit report if you get the information from the SAME FURNITURE. Therefore, these accounts are not in compliant with the consumer laws, and I demand an immediate deletions from my credit report. Please send me a new credit report showing the deletions. You are illegally causing this account to re-aged, which its adversely affecting my score. DELETE NOW!!!

XXXX XXXX I paid off this account months ago, but you continue to report incomplete and erroneous information such as balance and payment status.

****I PAID OFF THESE ACCOUNTS AND I WAS PROMISED BY THE CREDITORS THAT IT WOULDVE BEEN DELETED, AND IVE CALLED SEVERAL TIMES CONFIRMING THAT THEY WILL SUBMIT A NEW TICKET OR DISPUTE TO GET THEM DELETED, - PLUS ITS REPORTING MISLEADING AND INCOMPLETE INFO, AND THEREFORE ITS NOT VERIFIABLE AND NOT IN COMPLIANT! 

XXXX # XXXX - delete now!!! 
XXXX # XXXX XXXXXXX - delete now!!! 
XXXX # XXXX delete now!!! 
XXXX # XXXX XXXXXXX- delete now!!! 
XXXXXXXX XXXX XXXX # XXXX delete now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Collection Service Center, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked that this company send me written verification of this debt owed, including account numbers, dates of service, and any other pertinent information so I could truly verify that I owe this debt. I want to be able to contact both the rendering facility and my insurance provider to be sure that this debt is not owed. This company also reports the same debts multiple times on my credit report and will remove and reage the debt and then report it again on my credit report. I receive zero communication from this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am filing a complaint against the company for violating my consumer rights. I initiated a dispute and request for validation through the credit bureau and sent the company a written request for proof of this alleged debt. In this communication to them, I gave a reasonable time frame for the company to respond in writing ( 30 days ) and also requested that they cease and desist any verbal communication. The company has ignored my request for proof of this debt and has also violated the FDCPA by continuing to place calls to me. On XX/XX/19, A representative contacted me by phone against my wishes. I explained that I do not believe this to be a valid debt and advised her that I sent a request for validation with an updated address for all communication to be sent to me in writing. The collector told me they are not required by law to provide proof of the debt and would not be providing validation. I explained that the law states if they choose not to validate the debt, they must stop all collection activity which includes credit reporting. She proceeded to try and argue with me and started to raise her voice and speak to me in a condescending tone even while I remained calm and professional. This company is blatantly disregarding the FDCPA and FCRA. They are refusing my rights and also reported back to the credit bureau that the information is certified as accurate. They have yet to send me any documentation to validate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My government feeds are not coming on to my card and I need the problem fix today

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