BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
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:
The account 's where removed but put back on by other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX has just destroyed every credit report ( XXXX XXXX, experian ) with inaccurate information and predatory lending practices. They report payments being made that are not happening, then they will turn around and report payments not being made after the case with the vehicle in question has been resolved in court. Just last week I saw payments being reported made & I have not made any payments for a few years now. I looked through the contract for the vehicle and noticed that there was a job listed for my consigner that she never had with income in order to secure the loan. There were alot of other inaccuracies that they used to put us in a vehicle that was overpriced & we could not afford, ran through the contract quickly when we were signing so we would not notice. We made payments for years and not one payment is listed on any credit report. They keep reporting payments & erasing them causing havoc on my credit scores. I have complained & disputed this many times with all 3 credit bureaus and it still is on my credit report causing major damage to my score for years. They have also been sued in court by consumers for predatory lending just a few months ago. Credit acceptance is terrible and they should not be allowed to damage peoples lives like this. This account needs to be removed from my credit report & my cosigner.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
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: Information belongs to someone else

Complaint:
XXXX XXXX {$650.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX, XXXX XXXX  {$9500.00} XX/XX/XXXX, XXXX XXXX XXXX {$5800.00} XX/XX/XXXX, XXXX XXXX XXXX {$950.00} XX/XX/XXXX, XXXX XXXX XXXX {$400.00} XX/XX/XXXX, XXXX XXXX  {$220000.00} XX/XX/XXXX, XXXX XXXX  XXXX {$220000.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$220.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$400.00} XX/XX/XXXX. I have reached out to each individual creditor listed above letting them know that I have never opened, used or applied for any of these accounts. I have filed an ftc report and they refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
1. There were fraudulent charges made on this account 2. The contract related to this account has been cancelled Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192, 31 USC 3123, 5103, 5312, 18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 a8 penalty.

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 2023-02-24
Company: EQUIFAX, INC.
State: KY
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
My identity was use to get health care, utility services and credit account, I had listed the companies and contacted each creditor regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A tow truck driver beat on my door so hard it broke and opened. I came to the door and he screamed wheres his car, I demanded he get off my property while I called police for him destroying my property. He sat outside in my driveway with police Type lights blaring close to midnight while all my neighbors had to work the next morning breaching the peace and I didnt even have the car he was searching for. When the police turned down my street he shut his lights off and drove away fast after sitting outside harassing me a single XXXX   women dir 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
1. There were fraudulent charges made on this account 2. The contract related to this account has been cancelled Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192, 31 USC 3123, 5103, 5312, 18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 a8 penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Merchants Credit Corporation
State: WA
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 am not sure if this is a debt collection issue or the fact that the debt collector will not remove the account from my credit report. I had a debt with XXXX XXXX. XXXX turned over the debt to Merchants Credit. I paid on the account to Merchants until I could get no information on the debt from them. I then wrote a letter and began sending my money on the debt to XXXX and then to XXXX XXXX ( who bought out XXXX and its entities ). I continued to write to both Merchants, XXXX and XXXX. I never received any information from Merchants. I received a letter and a refund from XXXX saying I had no debt. I disputed on my Equifax credit report. Merchants Credit refused to remove the debt. The dispute from Equifax says to make this contact and also contact my State 's AG 's office. I attach copies of my letters and my response letter from XXXX XXXX. I have received no statements from Merchant 's on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-02-26
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was blocked twice after depositing due to verifying my transactions. After Ive verified I was told I would have to wait 10 business days for my account to be unblocked. Again soon as I did deposit a few weeks after my account was blocked I didnt get any reason of why it was, I was told we have no information or nothing on why its blocked you just have to wait. Everytime I do a deposit wether its a check cash, Mobile banking I get blocked for 10 business day which is not right. I requested to close my account and I was told they cant close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a XXXX bill with my name on it even though I do not believe the bill is mine I disputed it with all three credit bureaus and XXXX  took it off but the other two credit bureaus left it on there even after it came out of dispute I called and asked waypoint XXXX XXXX to remove it and they wanted me to pay the bill anyway even tho it was removed from XXXX..I also said if theres a way for them to remove it or send me a letter stating theyll remove it if I paid it just so I can get it off my report and the young lady I spoke with hung up on me and I still have it on my record..and with it being on there its hurting my score making it difficult to obtain mortgage financing the bill is only {$84.00} and I would like to get it removed ASAP so I can get mortgage financing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: The CFM Group
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received letter from CFM XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, as well as many phone calls starting in XX/XX/XXXX thru XX/XX/XXXX, about a breach of contract with XXXX XXXX XXXX. We sent them our response and our reason for terminating our contract with XXXX. Now it is starting again, XX/XX/XXXX with 3 phone calls, we asked them to stop calling our office. Then they sent email XX/XX/XXXX and we responded again with our documentation, and requested again to not call or email our company. Another ( unprofessional ) email was sent XX/XX/XXXX threatening company credit and further collection attempts.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: CO
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:
All I wanted to do is confirm that I still have a credit freeze with Experian. 
XXXX & XXXX did this in three minutes or less. 

I spent more than 45 minutes trying to confirm my credit freeze but the two people I spoke with said I answered the questions wrong. Apparently, Experian has the WRONG INFORMATION as the other agencies asked the same questions. XXXX Emp # XXXX said I answered the questions wrong about my credit card payments. I had the statements in front of me and was reading them to her. She said the information I gave was wrong even though it is directly from the statements. 

I would like my information to be correct and I want to conform I still have a credit freeze. 

Experian will not allow me to have any of my information because the questions they asked, they said I answered them wrong. Yet, the answers came directly from the credit card statements. 

They will not allow me to sign in online or give me any information period. 

Please confirm that I still have a credit freeze and let me sign into my account as the other agencies do. 

Best regards, 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 2019-11-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had credit card number ending in XXXX for many years. Recently the bank contacted me based on suspected fraudulent activity on the card. They handled this appropriately and advised they would need to issue me a new card due to the suspected fraud. The problem is that I had over XXXX loyalty point on that card which have now disappeared with the issuance of a new card and nothing has been done to let me keep these points.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
1. There were fraudulent charges made on this account 2. The contract related to this account has been cancelled Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192, 31 USC 3123, 5103, 5312, 18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 a8 penalty.

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 2019-04-09
Company: Experian Information Solutions Inc.
State: MO
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'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX  XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts 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 2023-10-11
Company: EQUIFAX, INC.
State: CA
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:
I have rights under XXXX XXXX XXXX. 

EQUIFAX is govern bay 15 USC 168 and violated my rights countless time. I demand the accounts listed below to be removed because I am a victim of identity theft which I have provided verification of this including FTC report over 45 days ago. 

Accounting to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : Design Receivable - XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Amount : {$1100.00} Design Receivable - XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$5400.00} XXXX XXXX - XXXX XXXX Opened XX/XX/XXXX, Amount {$950.00} XXXX XXXX - XXXXXXXX XXXX Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: Pendrick Capital Partners Holding, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXX 

XXXX XXXX XXXX, NC XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : XXXX XXXX XXXX XXXX Account Number : XXXX Debt Collectors Account Number : N/A Dear XXXX XXXX XXXX : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX ) and office of attorney general. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$310.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on XX/XX/XXXX and Im still seeing unauthorized inquiries on my report. Please investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are.. 

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  Closed these are all the unauthorized inquiries and accounts that I would like removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am having issues with addresses appearing on my file that do not belong to me! the following addresses are no mine please delete XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX MLK XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 explanation