BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX NATIONAL CREDIT AUDIT, a company I do not have any commercial or other contracts with operating in commerce, placed a derogatory collection on credit profile without my prior consent or knowledge.This company whom I do not know did not contact me prior to give me a chance to dispute this alleged debt before placing it on my credit report. I did not notice this until XX/XX/XXXX. I sent a letter dated XX/XX/XXXX, to NATIONAL CREDIT AUDIT ( see attachments ) having them to validate the depute debt pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They never responded. Due to COVID-19 my second letter ( notarized by a Public Notary ) dated XX/XX/XXXX, and a third letter Dates XX/XX/XXXX. Each time I sent a letter I placed the previous letter from letters in that package. See attachments, I do have a Certificate of Service for all these letters.

NATIONAL CREDIT AUDIT, failed to contact me prior to reporting alleged debt, failed to provide validation that the allege debt is mine, respond in a time manner, failed to provide Certificate of Service where the attempted to contact me ( prior and during dispute ), failed to give me the persons name who did the calculations, failed to show that whomever did the calculations was knowledgeable in that process, and what systems they used to calculate the debt. Most importantly they failed to show the contract I signed with them NATIONAL CREDIT AUDIT.The alleged amount they say I owe is {$4400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX ( Hotel and travel ) XXXXL ( Retailer ) XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you 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 2018-05-15
Company: ALLY FINANCIAL INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon review of all 3 of my credit reports, I found an account listed under Vance & Huffman LLC. I have no business dealings with this company, no contract and no signed agreement showing I have purchased anything. I have initially reported this to XXXX who has now completed their investigation with the findings of this account being a result of identity theft, this account has now been removed from my XXXX file. I am now showing this account listed on my XXXX credit report listed under amount of {$5200.00}. Please review the results from XXXX and take action to remove this inaccurate account from my XXXX file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: Bull City Financial Solutions, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid XXXX XXXX I have bank statement to prove this I called bullcity collection and the guy I spoke with told me to pay him an additional {$270.00} plus tax and he will have it removed sounds like a scam and XXXXXXXX XXXX XXXX. Please have this removed from my account. I can provide the proof that will back me up. This account was paid to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all XXXX credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: MI
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:
My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX 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 acount 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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There no bankruptcies on my XXXX and the references numbers on the transunion and XXXX are NOT the same. XXXX XXXX. I sent a letter to the courthouse asking to they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody So if that the case.How do the credit bureaus verify my bankruptcy 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode living is obtained through personal interviews with neighbors, friends, or associates of the consumed report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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 2019-06-07
Company: Conduent Incorporated
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
In XXXX of 2018, my card was declined. When I contacted EPPICard   customer service, I was told that my account had been fraud suspended/closed and I would be able to order a replacement card as soon as the investigation was complete. Ive patiently waited, and called several times with no updates. I cant seem to order a replacement card and I am unable to access any of my child support payments for the past six months. Today, Ive spent over two hours on the phone with this company, and Ive yet to speak with anyone who can tell me anything. I have asked to speak to a supervisor and Ive been either hung up on, transferred back into the queue, or placed on hold. I cant seem to get any answers to my questions, nor can I order a new card to access my money that theyve not blocked me from accessing for over six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX dollars were withdrawn from my account by BAnk of america without my knowledge throwing my account into negative balance When questioned they said they had an accounting mistake and will be credited back When called again said dont know it may take 7- 10 days for credit back Customer service agents not helpful Cant get an appointment at the local bank they have no open appointments I have bills to pay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Riverwalk Financial Corporation
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:
Some company called XXXX XXXX XXXX placed a {$140.00} delinquent account on my credit report XXXX XX/XX/2018. 
I owe no debt nor have I ever heard of this company. 
There has never been a phone or written communication between us. 
I looked them up and found a phone number which does not answer. 
There are numerous complaints posted about this company doing the same exact thing to many people. 
My credit score has dropped. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TN, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Transunion credit report appears to still be showing negative account information prior to their unaccessible investigation that I can not check or access on my behalf after creditor already agreed for the accounts to be removed due to an identity theft report I filed against both creditors. I'm keeping complaint to retain for my records just in case for litigation purposes against the credit reporting company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My credit report is stating paid in full for less. I have a letter dated XX/XX/15 which says the entire debt was forgiven. This company has continuously reporting incorrect information. I want all trade lines deleted because they are in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received a bank statement for XX/XX/2020 to a BOA account I never opened. I contacted BOA and issue is told that my account will be closed but that I am a subject to identify theft and should check my credit reports. I have not found this BOA account on any of the 3 credit reporting agencies. BOA also sent a XX/XX/2020 statement for another account in my Wife 's name that she did not open. We do not any accounts with BOA. I reviewed my credit reports and see a soft inquiry noted in XX/XX/2020 by BOA. BOA asked for my Full Name, SSN, Address to than inform me that I am a victim of identity theft. 
My concern is, I don't have any account with BOA showing up on my Credit reports, so I suspect these two Checking accounts called " Advantage SafeBalance Account '' were opened by BOA by themselves without my Wife or My approval. I am requesting an investigation on this matter and if BOA is using any of the information I provided for other means. I do not suspect identity theft as stated by BOA, but something else internal with BOA.

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 2019-06-07
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Hello, Early in 2018 I found I had {$18000.00} in fraud on my checking account at TD Bank. 

They told me to contact XXXX, which is where the charges originated. I contacted XXXX and they told me they could not tell me about the charges, due to privacy laws. 

I called the police. The police assumed it was done by one of my XXXX cousins and asked if I wanted him investigated -- at that point, I had doubts that it was him, and said no I do not. So the police did nothing in my case and I had to investigate on my own. 

I eventually found that one of my ex-girlfriends had committed the fraud on XXXX by compiling a list of suspects I had, and using their information ( addresses, names, etc ) while over the phone with XXXX to overcome their privacy protection laws. 

I reported this information to the police who finally secured a trial against her, which she refused to show up for. A bench warrant was issued for her arrest, but it's been months now and nothing has happened. 

There has been no progress on this and TDBank, and XXXX have treated me with contempt on this. Please, if it's possible, I am looking for any assistance I can find.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: LA
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 sent letters reporting these inaccurate information in my report but I did not see any result, I did not receive any response and or any progress with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FRANKLIN SERVICE INC. 

This is for a previous phone bill. I asked them for several months to send me an invoice and was denied a copy of what I owe. They wanted me to make the payment over the phone with no way for me to verify who and what I was paying for. I also told them I was waiting for Pandemic Rent and Utility Relief and when I told them unless you send me an invoice or something in writing to stop contacting me. They claimed I was sent an email and that I opened the email so therefore I was aware and had documentation of what they were trying to collect. I had told them that I went through all my emails and I could not locate the email they claimed I had and opened. Again, they refused to resend me documentation and instead kept harassing me to pay. I then contacted XXXX XXXX XXXX and asked if I could pay the bill and for them to send me a copy of the Bill while waiting for them to send it to me Franklin Servicre Inc. notified the Credit Bureaus and had placed a Derogortory Remark against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: PA
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 repeatedly asked for them to remove incorrect phone numbers off my fraud alerts that is hindering my credit applications

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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 spoke to XXXX XXXX on Thursday XX/XX/XXXX in regards to my outstanding lease term balance of {$2900.00}. I asked the representative to get me on payment plan to payoff the remaining balance, I was told that XXXX XXXX does not offer any payment plans and that the balance would have to paid in full by XX/XX/2019 or my account would go into collections and be reported to all the major credit bureaus as a collection.The {$2900.00} is a significant amount to be paid in one payment and the repercussions for not making that making are quite severe, this would have serious impact on my credit score. I want to pay my balance however I need a practical payment plan in order to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
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:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: VA
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 did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I am a man of XXXX and I feel like these credit reporting agencies are taking advantage of me because of my race. I sent them a official statement on XX/XX/2021 notifying them that these accounts were Fraudulent, so they were supposed to remove them after 4 days of receipt of my letter, but they did not. it is now XX/XX/2021 and these accounts are still reporting to my credit report. they are only treating me like this because they feel like I don't have consumer rights because of my race.l they are discriminating against me and my consumer rights. 
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation