BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: CO
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:
Experian is not reporting correctly, I have to credit card tradelines on my credit profile, XXXX XXXX XXXX XXXX both XXXX XXXX XXXX are reporting positive and accurately. I have reach out to Experian asking them to update their reporting but it has been over 90 days and I have had no response. 
Please start and investigation to have my credit profile corrected. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$710.00} XXXX XXXX XXXX XXXX Opened Sep. XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3.00} XXXX XXXX AND XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2000.00} XXXX XXXXXXXX : Bankruptcy Reference Number XXXX XXXX XXXXXXXX : Bankruptcy Reference Number XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number 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 2023-06-06
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Cedars Business Services, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Was in XXXX XXXX in XX/XX/XXXX with a car rental. Must have gotten a parking violation while I was there as I got an email from this Cedar Business Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX stating so. They sent the documentation from the City of XXXX and the dates match the time that I was there. My complaint is that XX/XX/XXXX is the first date that I received any notification of this violation which was from XXXX and not the City of XXXX. On the ticket itself it states that if paid within 5 days it would be XXXX euros which I missed as I was trying to get an explanation of the citation and dealing with XXXX. XXXX is claiming that I owe them {$470.00} and has been relentless in continuing to send emails telling me that it was going on my credit report and that since the ticket was from XXXX that US laws do not apply. I explained that this was my first notice but was told that I have no recourse to dispute. I even contacted an attorney who sent them a letter which they have ignored. The next deadline was 60 days and XXXX euros so I sent XXXX a check for {$160.00} figuring in the exchange rate on XX/XX/XXXX. Still getting emails and letters from them and now claiming that I never sent a check. Not disputing the ticket but I am disputing the time in which I was notified and the amount that is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from collections and was informed that I needed to make a payment for XXXX XXXX XXXX XXXX. I have never lived there in my life and was confused with what was happening. I then decided to pull my credit and saw many fraudulent accounts under my name. These accounts do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX, XXXX. 
XXXX {$120.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$300.00}

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 2023-07-09
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX Last reported XX/XX/2023 {$3500.00} I need help undoing all of my name accounts, suspended credentials, or any errors. I want to remove everything that hurts my name XXXX is asking me to pay {$3500.00}, but I didn't know how to remove it from my name. It's been a year and a half, and I couldn't remove it. My name is damaged because of them. I want help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Credit card where unaccessable

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 2017-09-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As a result of the XXXX data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.

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 2020-07-08
Company: Dyck-O'Neal, Inc.
State: NC
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:
Dyck ONeal is reporting collections as open accounts with past due dates and past due amounts.these are COLLECTIONS accounts, NOT open accounts.they are reporting FALSE information in violation of the FDCPA and FCRA.i called them on XX/XX/XXXX to ask why I havent received information I requested in XX/XX/XXXX and they said they sent it in XX/XX/XXXXand would not send it again.thier false information is damaging my credit and they REFUSED to send requested information.they are committing fraud with this inaccurate information and if they dont want to remove it I intend on seeking legal action and expect them to pay the {$1000.00} per item fine as required by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX i sent a Cease & Desist letter to Midland Credit Management by certified mail recept # XXXX. XXXX tracking shows letter delivered on XX/XX/XXXX. 

In XX/XX/XXXX at XXXX a collection call from Midland Credit Management with voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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:
After reviewing my credit report I noticed there were several unknown inquiries which I do not recognize and did not authorize. These inquiries affected my credit score which may affect my ability to get loans and mortgages. I do not even know what are those companies who inquired and pulled my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: JPMORGAN CHASE & CO.
State: IN
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:
I'm from XXXX IN., me and my GF visited XXXX Tenn. while we were there we ate at a restaurant ( XXXX XXXX  ), there was a pay at the table kiosk where we paid for our meal but forgot to remove the card. I didn't realize until a couple of days later that I didn't have my card and that the kiosk was where we left it. The reason why I kinow it was left there that there was a charge that same evening at the XXXX XXXX we attended and the XXXX up the street. But the thieves also used the card in the surrounding area XXXX XXXX KY. I talked to the managers of the XXXX XXXX  and XXXX but was told a police report would help. I called my credit card company ( Chase ) and told them what happened and the representative said the fraudulent charges would be taken care of but when I received my statement the charges were there. I have told them that I file a police report, ect but now they are saying they are legitimate '' charges. There were charges to a liquor store ( I don't drink ) and one to a night club ( Ido n't attend them ). I called the XXXX police yesterday, and they talk like Chase has not contacted them. the incident happened XXXX and the amount of fraudulent purchases equal {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: MarkOne Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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 have a loan with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. 
I have filed a Police Report with XXXX Police Dept. and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: VW Credit
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About a year ago, I received a couple of emails from VW offering me to turn in my leased vehicle and lease or purchase another vehicle. The lease on my old vehicle matured on XX/XX/XXXX. I visited XXXX XXXX in XXXX, VA and agreed to a new vehicle. When negotiating the price, I explicitly told the dealer I wanted all charges rolled into the bottom line. I left the dealer with a new car and at the time, no further charges owed. I did not sign or receive any documentation countering my belief. I turned the vehicle into the dealership on XX/XX/XXXX. 
In XX/XX/XXXX, I received a turn-in settlement invoice from VW Credit with a request for a {$1400.00} payment. I contacted VW Credit on XX/XX/XXXX to inquire about the charges and I was basically told " those are the charges, can't help you ''. On XX/XX/XXXX, I received an updated bill for {$2200.00} with no explanation. On XX/XX/XXXX, I, again, contacted VW Credit and was told that the charges needed to be recalculated because they were totaled incorrectly. I was also told that I would receive a return call explaining said charges. I never received that call. Two months later, I called again. Bottom line, I asked for a detailed billing statement for all charges as I had not received one. I was also told that my vehicle was sold at auction for a loss and that total was factored in obtaining the payment total. That total was compared with excess mileage and excess wear. The excess mileage charge was included in the turn in payment and I disputed the damages as I turned in the vehicle in excellent driving condition. The VW Credit agent told me it took 7 days after I relinquished my vehicle to the dealer for someone to inspect it and come up with a bottom line. About a week after this call, I finally received a detailed billing statement. And to my surprise, a different total - {$1600.00}. 
Just to pile on even more, VW Credit referred this bill to a debt collector. 
When I talked to the debt collector, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, I told them that this account was in dispute and not call me anymore until resolved. The agent told me that I needed to pay off the debt for whatever amount even after I told him about the dispute. He could not give me a total amount even after I laid out the situation. He said pay the amount that was the most and worry about a resolved total later. He continued to press the issue of payment and I told him I would not pay it until resolved. I asked him and the company not to call until resolved and he tried one more time to get me to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21
Company: Experian Information Solutions 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:
Experian has illegally re-aged my US Department of Education account. Under CFRA the account must be removed from the first date of delinquency. I have called and disputed this information with Experian several times and each time Experian re-ages the account based on the dispute month and not the first date of delinquency. This account is due to fall of this year. Experian has re aged this account from 2013 for another 7 years. This action is ILLEGAL under the CFRA.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
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 have attached XXXX letters with accounts reporting inaccuracies and an FTC report with collections and inquiries which are fraudulent. Please delete and update my personal information

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 2018-04-13
Company: Home Loan Center, 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:
I was searching for my trade-in value on XXXX and there was a link to XXXX to look at possible car loans. I thought it was just rates. There was no indication that a hard credit pull would be made, let alone multiple! I filled out an online form on my mobile device. Then I started receiving multiple alerts of credit inquiries. I contacted Lending tree and they said I should have clicked on some grayed out " i '' that would have shown disclosures. They have completely destroyed my credit. Inquires from " XXXX '', " XXXX XXXX XXXX '', " XXXX XXXX XXXX  '', and I think one directly from XXXX that is not showing right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I received a debt collection letter from Credit Collection Services stating that I owe {$210.00} to XXXX XXXX ; however, Credit Collection Services never provided documentation stating that I owe them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation