BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX 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. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL XXXX VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: CBC Companies, Inc.
State: FL
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 have several inquiries on my credit report that I do not recognize. I dont know a whole lot about credit, but I know I didnt authorize all of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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:
Its been over 30 days and the creditor has not updated the information no has provided proof that these account listed below belong to me and enfact are accurate. They have not supplied this information and they must delete these accounts off my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted off of my report as soon as possible. i have also filed an IDTHEFT REPORT that will be attached to this complaint!

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 2022-12-13
Company: EQUIFAX, INC.
State: KY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector used unfair, abusive, and misleading tactics, all of which are against the FDCPA. They provided this account, on which neither I nor we could reach agreement. Two parties sign a formal contract, and I was not a party to any of the signings. Additionally, they didn't adhere to the correct five-step validation process, which makes their actions unfair. I am entitled to {$1000.00} under the Fair Debt Collection Practices Act ( FDCPA ), and it is obvious that my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with XXXX balances. thank you Sincerely, XXXX Veteran

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 2017-07-29
Company: Northstar Location Services, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached is the collection Agency that is trying to collect on a fraudulent student loan that was signed by XXXX college in XXXX XXXX consolers ' have tried for the last 12 years to have this matter corrected. XXXX  College went out of business because of these same fraudulent action. I have filed complaint with the federal government as well as State I even spoke to California Attorney general office who contacted me when Senator XXXX XXXX was investigating the matter. I was told that XXXX  college had broke the law and I was n't responsible for this fraudulent act. Now this collection agency keep trying to collect on this matter. Attach is the most reason complaint that was filed against XXXX XXXX  about XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Bank 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 2022-01-12
Company: Risecredit, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid this debit in full once I was able. They they labeled it as paid off or bad debt and left it in collections at 0 valence. Then my credit score went down over 20 points because they made it look like ireopened the account like I missed a payment, only I didnt. The collection was only opened to be looked at so I could pay it off. I literally have the pay off letter in my hand as Im typing this note, with the account number, dates and everything. They left it in collections in all credit bureaus I believe except one maybe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: SC
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 sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
CERTIFIED MAIL Receipt # XXXX Hello my name is XXXX XXXX XXXX, I tried contacting WETERN FUNDING INC. Serval times trying to obtain my Full contract, My Truth In Lending Disclosure and My Notice Of Deficiency which is my notice of sale of the vehicle. My vehicle was supposed to be sold XX/XX/2022 and was sold XX/XX/2022 information that the vehicle was sold and the date was from an employee of the company. My contact did not have my Truth In Lending Disclosure it was all black which I received from The Dealership XXXX XXXX XXXX the salesperson name XXXX XXXX. I was not explained to about my contract or was I aware of what I was signing.

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 2022-12-13
Company: Resurgent Capital Services L.P.
State: ME
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 asked XXXX and XXXX credit to fully investigate an error on my credit profile over 90 days ago. I become aware of the fraud accounts during an annual security check. Since XXXX I have lived and worked only in XXXX, and XXXX. 

I learned that a third party opened many accounts with a close approximation to my name in XXXX at an address in XXXX Texas that I have never lived at or that I am familiar with. XXXX bought a fraudulently opened account they claim to be my account from XXXX XXXX. 

XXXX XXXX has admitted the account is fraud, and even advised that the last name on the account was XXXX, not XXXX! Yes, the name of the guy from friends. 

They then sold the fraudulently opened account to XXXX. 

XXXX refused to remove this account which clearly is not my account, from my credit bureau. They have threatened to sue my XXXX XXXX XXXX father. 

I demand that XXXX, XXXX XXXX and XXXX are sanctioned for their illegal actions against me, in violation for the Fair Debt Collections act, and in violation of the Fair Credit Reporting Act. They are unable to produce any proof that I ever opened the account, because I did not, and I was not even in the United States when the fraud activity occurred. According to 15 USC 1681i TransUnion has 30 days to investigate and send me the results. They failed to do so, and even asked you for more time 30 days ago! 


This is not OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: SC
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 a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern b

y 15 USC 1681 and they have voilated my rights numerous times. I demand the accounts listed below removed. According to 15 USC 1681 : I have rhe right to privacy and I didn't give equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-20
Company: EQUIFAX, INC.
State: NJ
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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: National Business Factors
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider ( this can be seen in the XXXX attached ). This left me with a responsibility of {$250.00} to be paid to the provider. I use an HSA through connect your care powered by XXXX. I have paid many medical bills through this process over the past 5 years with no issues until this one. Also attached below is the proof of payment of the {$250.00} owed paid via my HSA account. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report ( attached as well ) for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution. 

Reponses received on XXXX : In your complaint, you listed that you paid XXXX XXXX XXXX, we do not collect for that entity. This bill is from XXXX XXXX XXXX, located in XXXX XXXX XXXX, California. The proof of payment you provided shows you paid XXXX XXXX XXXX XXXX XXXX, which is not XXXX XXXX XXXX. My client and myself have researched your claim of payment and they do not have a record of such a payment. Please forward a copy, front and back, of the check that you issued to see who cashed it. This will aide in locating the payment. Currently your account is on a hold status for the next 30 day. If we do not here from you within the next 30 days this account will resume normal collection activities. 

I did not receive care from XXXX XXXX XXXX. I will provide the attachments again mentioned above to show the exact same amount that was issued by XXXX XXXX XXXX ( the place I received care ), that was then promptly paid. I have still recieved no notice of debts owed or unpaid bill/debt from National Business Factor OR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Monthly Payments are being paid but is place in my report as late payments.

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 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Bank of America sent us a notice that they were revoking our credit and closing all my business and my personal bank accounts and credit cards. This is XXXX accounts total that they closed. We didn't receive any notice at all, we found out on Friday the XXXX, that it was closed when all our cards were declined and we got a notice via e-mail. 

Here 's the issue, I had banked up {$6300.00} in rewards. I know that their policy says that upon termination these rewards are null and void, but I don't think it was fair for them to close without any kind of notice. I could have used those to clear out those balances a bit before finding a new bank. 

As a practice, this seems suspect if we were in good standing, hadn't had any major issues recently and have had a relationship with them for about 20 years. I know they owe us nothing, this just seems a bit predatory. 

I contacted them multiple times on the XXXX and today the XXXX as I was overseas and all they could tell me are the dates when things were going to end. There was no leniency, explanation or flexibility given that this would massively impact my business and since I'm currently overseas on business, really forces my hand into another potentially bad situation because I don't have the time to come back and interview another bank appropriately.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-04-25
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I visited XXXX XXXX XXXX. I received a bill for {$3900.00}. In reviewing the bill I saw the hospital had double billed me for a charge for XXXX ( charging me twice of {$610.00} for the same test -- they only ran this test one time ). I contacted XXXX hospital several times to address their double billing. I was given the run-around, in them saying the test must of been done twice or it wouldn't of been billed. After them not giving me a proper explanation and trying to double bill me, I decided to pay the other parts of the bill of {$3300.00} ( proivded that would pay in full ). In sending my check I advised them in my letter as well as on the back of the check that : CASHING THIS CHECK CONSTITUTES PAYMENT IN FULL FOR BILLING. They cashed my check acknowledging that nothing else was outstanding. I have a copy of the check with their endorsement.

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