BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: CA
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 following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2023-01-17
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my Kay XXXX  account with Comenity many years ago. However, this card still is reported on all of my credit accounts. I have appealed to Comenity itself and all of the credit agencies/bureaus, and they have refused to mark the account as closed. 

I do not have an account with Kay XXXX  or Comenity. I have not had an account for years. Their continued insistence that I have an account, and their reporting of it despite my repeated protests, is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I XXXX XXXX, hereby attest that the information provided is being submitted by myself and not by any other third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark

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 2019-08-19
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection attempt from HCI collections dated XX/XX/2019 for goods or services that I never requested. I mailed HCI a letter via certified mail saying per fair debt collection act they have to prove that the bill is mine. They sent me a copy of "itemized bill" with someone else's name on it and consider that to be proof, and they are notifying the credit bureaus to affect my credit score. They have absolutely no proof that I requested these goods or services. They have to prove it, I don't have to prove that I didn't. P.S. I worked that day, all day. The company responded with the below information but I don't have a XXXX XXXX policy. XXXX is also attempting to collect this from my wife. It's not identity theft, they are clearly trying to collect the wrong thing if they don't even have the right insurance or responsible party. Please do something about this instead of saying "well they say he owes it so he owes it".Company's ResponseMr. XXXX, The account in question, per XXXX XXXX   records, is for your son XXXX XXXX. The insurance used was your XXXX XXXX policy. He arrived at XXXX XXXX on XX/XX/2019 and was discharged at XXXX XXXX on XX/XX/2019. It appears that your wife XXXX   XXXX  was the person who brought your son to XXXX XXXX. XXXX even reached out to XXXX XXXX on XX/XX/2019 asking that an itemization of the charges and explanation of benefits from the insurance be mailed to your residence. These two documents were mailed out on XX/XX/2019. We have requested the condition of admission from XXXX XXXX and will mail you a copy once it is received in our office. If neither is your wife or son, then we ask that you fill out the attached ID Theft Packet and return it to our office. 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 2020-10-28
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I RECEIVE UNEMPLOYMENT BENEFITS, I REPORTED TO UNEMPLOYMENT OF ADDRESS CHANGE THEY UPDATED MY INFO, AND USBANK RELIACARD WITHOUT ANY COMMUNICATION BLOCKED MY CARD, ONLY WAY I FIND OUT MY CARD IS BLOCKED AND INFO THATS NEEDED ONLY WHEN I TRY TO PAY MY BILLS AND GET DECLINED KNOWING I HAVE FUNDS BUT RELIACARD HAVE BLOCKED MY ACCESS BECAUSE THEY WANT PROOF OF ADDRESS CHANGE. I PROVIDED THEM WITH THIS ON SEVERAL DIFFERENT DATES XXXX XXXX ... .ON XXXX, I RECEIVED A RESPONSE LETTER FROM THEM STATING THEY RECEIVED MY DOCUMENTS AND NO FURTHER ACTION IS NEEDED. XX/XX/XXXX MY ACCOUNT WAS DEACTIVATED AGAIN, I CALLED AGAIN ASKING WHY NOW, EVERY REPRESENTATIVE TOLD ME SOMETHING DIFFERENT, AND YOU CAN NEVER TALK TO THE PEOPLE THATS ACTUALLY BLOCKING YOUR ACCOUNT TO SEE WHAT IS IT AND WHY IS THIS HAPPENING, THEY CONTINUE TO TELL ME TO POVIDE PROOF WHO I AM, I HAVE SEVERAL TIMES I EVEN WENT ON THE VERIFY.USBANK.COM/ID.RETAIL ON XX/XX/XXXX AND ANOTHER XXXX ON XX/XX/XXXX TO UPLOAD MY ID AND TAKE A SELFIE WHICH IS STUPID BUT I DID IT, THEY HAVE YET TO RESPOND TO THEM. I WAS THEN TOLD ON XX/XX/XXXX TO RESUMIT MY DOCUMENTS AGAIN AND I DID XX/XX/XXXX ... I HAVE MONEY THAT I CAN NOT ACCESS, I AM A MOTHER OF XXXX AND WE ARE IN THE DARK BECAUSE OF THIS NONSENSE. THEY SAY THEY NEED TO KNOW I'M WHO I SAY I AM WHAT MORE DO THEY WANT, I PROVIDED ID FRONT AND BACK, I PROVIDED LEASE, SOC SEC CARD, TAX INFO FOR XXXX. THEY HAVE MY EMAIL AND ADDRESS AND TELEPHONE NUMBER BUT YOU NEED TO PROVE WHO I AM AND IM SENDING DOCUMENTS IN AND IM GETTING NOWHERE IN THE MEANTIME BEHIND ON MY BILLS AND SHUT OFF NOTICES. THEY ARE VERY UNREASONABLE AND UNPROFESSIONAL AND UNORGANIZED TO MAKE THIS BIG HASSLE OVER AN ADDRESS CHANGE, THIS IS NOT NECESSARY TO HANDLE MATTERS THIS WAY, NO COMMUNICATION NO RESPONSES, JUST SILENCE, THERE'S ALREADY HARD TIMES WITH THIS COVID AND THIS COMPANY HAVE DONE NOTHING BUT CONTRIBUTE TO MY STRESS, NOW ME AND MY CHILDREN ARE IN THE DARK BECAUSE OF THEM HOLDING WHAT BELONGS TO ME. IM ASKING FOR ASSISTANCE AGAINST THIS COMPANY TO RELEASE MY FUNDS SO THAT I CAN PAY MY BILLS, AND I MAY NEVER EVER DEAL BUSINESS WITH THEM AGAIN AND WOULDNT RECOMMEND THIS COMPANY TO NOONE.

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 2023-04-27
Company: EQUIFAX, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXXXXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXXXXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
My student loans were rehabilitated and transferred to Navient. I believe that Navient reported my balances to credit bureaus in violation of the CARES Act. My XXXX score dropped 40 points in one day with no other notable activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
all 3 credit bureaus are reporting a charged off XXXX account XXXX ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX equifax- XX/XX/XXXX date of last payment XXXX - XXXX - equifax- XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit XXXX- {$580.00} XXXX {$0.00} equifax- {$580.00} comments XXXX- Charged off as bad debt Purchased by another lender XXXX- Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER equifax- Account transferred or sold Charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. 

XXXX XXXX : XXXX : {$980.00}

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 explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never had a credit card with the company, i shouldnt owe anything. I never received any information about the debt or how to go about it or who to contact for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Credit Karma, LLC
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: Account information incorrect

Complaint:
I am so disgusted with XXXX XXXX.

I have paid them money and used their service as a tool to repair my credit.

They report today that my score is XXXX.

So I went to try and get a car. My score is XXXX pulled by XXXX XXXX XXXX.

Why are they so misleading? I am absolutely appalled. This is not best business practices and it is horrid for the consumer. How is there over a 100 point swing in the score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: CA
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 writing to dispute the accuracy of the information being reported on my credit report regarding my account with XXXX XXXX, account # XXXX, which was opened on XXXX. The balance being reported is incorrect and the late payments being attributed to the account are inaccurate. However, I acknowledge that this is my account and I take full responsibility for its management. 

I have reviewed my records and can confirm that the current balance on my XXXX XXXX account is not as high as what is being reported. The balance being reported is {$53000.00}, but according to my records, the current balance on the account is significantly lower. This is reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: American Asset Recovery, Inc (CA)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXXXXX XXXX,2022 XXXX The account was paid for a card.This is a paid in full acoount.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-15
Company: Southern Auto Finance Co
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:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation