BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX Reported : XXXX. XXXX, XXXX - {$690.00} Closed Overview You're currently using 139 % of your account 's limit. 

Balance {$690.00} Credit limit $ 500 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 6 mos ) Payment History Youve made 59 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$690.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Consumer disputes- reinvestigation in progress Times 30/60/90 days late 3/2/11 Closed No Info CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consu
mer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Waypoint Resource Group, LLC
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:
waypoint resources account does not belong to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made arrangements to buy a dog, a contract was signed and paperwork completed. The money was sent through XXXX and XXXX XXXX totaling XXXX. A receipt confirming the delivery of the dog was sent. Later the man called and stated he was in the hospital and was unable to deliver the dog or return the cash. After completing a claim with my bank Wells Fargo and 3 hours of being transferred from department to department, i was told by Wells Fargo basically it was 3 hours wasted and the money was gone. BUT if i would have said i did not know about the transfer they could help me or investigateshame on you. First after being stuck in the house for weeks with Covid then to be heart broken that my mothers day gift will never come, i lost XXXX. Devastating people use a puppy to make money. So gross 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 2023-05-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681 Account Name # XXXX XXXX XXXX Account Name # DEPT IF EDU XXXX. Account Name # XXXX XXXX  XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX XXXX  XXXX Account Name # XXXX XXXX XXXX Account Name # XXXX XXXX XXXX XXXX {$27000.00}. Account Name # XXXX XXXX XXXX XXXX XXXX 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.

15 U. S. C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2020-10-30
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
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:
On XX/XX/2019 I sent a letter to Pentagon Federal ( XXXX  ) to remove a fraudulent account from my XXXX  Credit Report, but they never did. Also I did not received an answer. I live in XXXX, XXXX and I believe someone, with the following address ( which also appears in my credit report, and is not mine ) : XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX Use it to open an account in my name in the above mentioned institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There are many mistakes appear in my report without my understanding.

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 2018-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The fees associated with the auto loan in question were not detailed. The amount owed never seemed to decrease through the loan term.

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 2022-12-08
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. 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 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 2020-02-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'll try to keep this brief and concise : My parents both passed away ( father passed in XXXX, mother passed in XXXX ) and defaulted on their mortgage to XXXX XXXX ( Formally XXXX XXXX  ). 

The mortgage debt was sent to a collection agency named Rushmore Loan Management Services LLC. Rushmore Loan Management sent a notice to the defaulted mortgage address on XX/XX/XXXX, providing an overview of debt repayment options, addressed to the Estate. There was no Executor of the Estate, due to my parents passing with far more liabilities than assets, there was no inheritance, no one wanted the house, we let the mortgage company take the house. I called Rushmore at ( XXXX ) XXXX to explain the situation. 

Eventually the house was cleaned out, and the bank took possession of it on XX/XX/XXXX. Shortly after this date, I received a 1099-MISC form from Rushmore, stating {$7000.00} in Box 3 for Other Income. I  personally never had a loan with Rushmore or XXXX XXXX, I've never had a mortgage in my name, ever. I have also not received any money, checks, or debt relief, since I've never had a mortgage. I've called Rushmore multiple times around XX/XX/XXXX to address this issue, and they verified that I did not have a file or an account being managed by this company. I was instructed to write a letter with accompanying documentation to : Notices of Error, Requests for Information and Complaints Rushmore Loan Management Services LLC XXXX. XXXX  XXXX XXXX, CA XXXX I sent them a letter stating the issue, a copy of the 1099-MIC, death certificates of both my parents, and a copy of the page they sent to the Estate. A few days later, I received a notice from Rushmore stating that " There is no written authorization on file from the borrower ( s ) authorizing Rushmore to discuss this loan with you. '' They have not acknowledged sending this 1099-MISC and have no intentions of remedying it. Their reply is correct -- I do not have authorization for the loan, it was my parent 's loan and not mine. There was absolutely no reason to send me this 1099-MISC. They are not even addressing the erroneous 1099-MISC document that they sent me. I will upload all of my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2015, I brought my son to the Emergency Room at XXXX XXXX in XXXX, MI with a XXXX  on his XXXX  that I did not want to get infected. As we were about to be released, the doctor took a last look at my son 's XXXX  and decided he should go to University XXXX XXXX   XXXX XXXX Hospital in XXXX XXXX, MI. He stated they would arrange the transportation. XXXX XXXX XXXX transported my son the thirty-two miles to XXXXXXXX XXXX XXXX Hospital in XXXX XXXX. Their billed rate was {$1100.00}. My health insurer at the time, XXXX, was ending my plan at the end of the year as they were purchased/merged with XXXX. The claim number is XXXX. After much time on the phone to remedy the billing issue, XXXX ( now part of the XXXX family ), issued payment to XXXX XXXX XXXX their contracted rate, {$880.00}. For some reason, XXXX XXXX XXXX charged the difference to me instead of contacting XXXX/XXXX  for any billing discrepancies. My coverage plan contract covered 100 % of the charges after I met my family deductible ( which I did meet ). Due to the length of time it took to resolve, it has been sent to collections and subsequently damaged my credit rating. I should not be responsible for the lack of communication between a Healthcare Insurance provider and its contracted vendor. The collection agency which represents XXXX XXXX XXXX XXXX Merchants & Medical Credit, will not listen to anything I have to offer, excepting method of payment. Thanks in advance for taking the time to read.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
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: Account status incorrect

Complaint:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that it is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for various accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2023-08-24
Company: EQUIFAX, INC.
State: CA
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:
in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX XXXX XXXXXXXX XXXX, XXXX. account number # XXXX. 

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

15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years.

15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-12-02
Company: R.A.Rogers, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I contacted R. A. Rogers, Inc in XXXX, MD to request documentation about the monthly payment plan I am on to pay off an auto debit from XXXX XXXX. I was told by the representative on XX/XX/2021 that because of the COVID pandemic I could not request this information from their company. Also, I was told that the company does not have an email address and can not send me documentation. I checked their company website and they do have an email address. Their statement regarding not being able to provide me with documentation because of COVID is false. I have contacted several debit collectors on XX/XX/2021 and was able to get documentation stating my payment plans. My credit has been effected because I am not able to provide proof that I am in a payment plan. I have reached to XXXX on XX/XX/2021 to get this resolved so my credit can be improved. I've noticed from R.A. Rogers ' reviews online that they have a habit of lying to their clients. Several people stated they R.A. Rogers said they did not buy off the debit from their original creditor ; I was told the same on XX/XX/2021. I contacted my original creditor, XXXX XXXX, and they said R.A. Rogers did buy the debit since they are a debit collector. I do not understand the unethical and false nature of R.A. Rogers. They respond to messages to these complaints in a rude manner as if the person trying to get information about what they are paying to them is the problem. I plan to seek legel action against R.A. Rogers if I do not receive the requested documents to improve my credit within 30 days or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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 my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-12
Company: EQUIFAX, INC.
State: TN
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 pulled my Equifax credit report resulting in a hard inquiry on XX/XX/2022. I never filled out a credit application, or gave permission for my credit to be pulled. I have contacted Equifax directly twice to dispute the inquiry and have been told the inquiry is valid and will not be removed. How can the inquiry be valid if I never filled out a credit application with any bank that used XXXX morgage to pull credit?

Company response to consumer: Closed with explanation