BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 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 2022-04-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2020-06-19
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:
On XX/XX/XXXX, I was furnished a copy of my credit report from Equifax and found incorrect information on my report from a company labeled as XXXX with the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I sent them a letter on XX/XX/XXXX via certified mail that I have attached to this complaint requesting validation of the account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I received my letter back, unopened, marked returned to sender because the address they were reporting to Equifax was no longer valid and they did not have a forwarding address on file any longer. 

On XX/XX/XXXX, I sent a letter that I have attached to this complaint to Equifax via USPS certified mail that was received by them on XX/XX/XXXX confirmed by the certified tracking number. The letter was sent with a photocopy of the undeliverable mail with the address that was furnished from XXXX to Equifax. On XX/XX/XXXX, I received notification from Equifax that the results of my dispute were in and that " the disputed item is not currently reporting on the Equifax credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL '' and that " we verified that this item belongs to you. '' Attached are copies/screenshots of Equifax reporting the account disputed with the address that was mailed to and returned due to being incorrect, the letter that was mailed, the returned mail back to me, my letter to Equifax, as well as their correspondence back to m, and my information to verify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: PA
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:
After contacting the company directly they have been no help in regards to resolving the identity that situation

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 2022-04-21
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:
In accordance with the Fair Credit Reporting Act, the following conversion accounts has violated my rights. 

XXXX XXXX XXXX : account number XXXX -DEPTEDXXXX  : account number XXXX -XXXX  : account number XXXX -DEPTEDXXXX  : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX : XXXX -XXXX XXXX : XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the following conversion accounts has violated my rights. 

XXXX XXXX XXXX : account number XXXX -DEPTEDXXXX : account number XXXX -XXXX  : account number XXXX -DEPTEDXXXX : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a XXXX  dispute letter addressing the fraudulent information that was reporting on credit report and its been well over 30 days and I havent gotten any response from the creditor. They are not abiding by the law because the fraudulent information was not verified within the time frame allotted by the law so therefore should be deleted off 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 2020-08-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
wow! this one crazy so I called a Lvnv funding llc and they told be I had " leased a dog '' XXXX!???? I told them no I did not they refused to delete and keep say this is my account even through the information does not match help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have purchased a used car and have been making double payments, and all of the money have been applied to finance charge only and not my priciple for almost a year. 
Ally claims that I have been making payments late which is a false statement. I had my due date moved due to financial reasons. Attached to this complaint are the receipts that I have been making payments and the amount {$14000.00} over a year and the amount is the same. This is a predatory car loan.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: DE
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 the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to deposit {$1000.00} to my son 's 5/3 checking account today as I have done several times in the past at the same branch. Today for the first time I was asked for several pieces of personal information : drivers license, phone number, profession, social security number and if I was a citizen of the US. When I questioned the need for this information I was told it was required for any deposit over {$500.00}, when I asked if it was a new policy I was told no it had always been a policy of all banks not just 5/3. I thought the amount was {$10000.00}. My son needed the funds today so I was forced to give them the information but I feel my privacy was violated. Was It discrimination because I was doing laundry, cleaning house and was dressed in a t-shirt, shorts and old tennis shoes? Before this trip to the bank I was always dressed as if I was on my way to the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
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:
The credit bureaus stated my account was properly investigated, but how is that possible if they're inaccuracies? The Date Last Active is inaccurate, and Date Last Reported is inaccurate. The Credit Type is inaccurate, The Account Status is inaccurate, The Payment Status is inaccurate, The Late Payment Status is inaccurate, and the Account type is inaccurate. This is grounds for removal in addition to violating my rights under : 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 instruction.

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 2015-06-26
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the XXXX time, McCarthy Burgess & Wolff is attempting to collect a debt on behalf of the XXXX XXXX XXXX that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC is attempting to collect on a debt as well as Resurgent Capital Services. A collection agency can not collect on the behalf of another collection agency as if they are the original creditor. Therefore it is a violation and I will like the collection deleted. I have emailed the ceo to settle the debt. I will like the violation of the credit collections deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: MO
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:
On or around XX/XX/2021 I contacted XXXX, XXXX, and Equifax about the inaccurate accounts, inquires, installments and public records that are reporting on my consumer credit report. After contacting XXXX, XXXX, and Equifax, the inaccurate information has continued to be reported. XXXX, XXXX, and Equifax is in violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), ( 12 CFR part 1022 ) regulation V ), and have committed copyright infringement. Also XXXX, XXXX, and Equifax has continued to violate my right to privacy under ( 15 USC 1681 ( a ) ( 4 ). All concerning documents have previously been sent to XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Resurgent Capital Services L.P.
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 LVNV FUNDING LLC 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. 

LVNV FUNDING LLC at XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$660.00}. The collection has been reported as a past due balance. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Covergent has a collections account on my credit file that was just refreshed in XXXX XXXX how when I never talked to you guys. The original date of the debt first delinquency was in XXXX so way is it show up with the date you guys purchased the line? Make no sense and it need to be removed from my credit all bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Went to hospital Got tests done on my son Was not sent a bill saying I owed money to the hospital. 
Then just got a flag on my credit report while I 'm trying to buy a new house that we owe {$3100.00} and its flagged for XXXX which I took my son to hospital in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: MN
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 credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received court papers that I was being sued by a company I never heard of nor never contacted me. Never appeared on my credit report and didn't even know existed. They went right after a judgment. No attempts to contact me, no mail or anything received from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Statue of limitation has run out, debt occurred in year of 2009. The debt was sold several times to different Debt Collection Services which keeps the debt open!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I had a bad experience at a resort and asked American Express to assist me with a dispute. They initially helped but where the situation got stuck was the representative who was assisting me was out of the office for extended period of times and would not return my emails or phone calls. I finally reached her XX/XX/XXXX and she told me she would contact the manager of the resort and get back to me. As of XX/XX/XXXX, I still do not have a return call or an answer to my numerous emails. I finally wrote to the Chairman of American Express and I received a very disturbing letter in return stating, " They did everything they could and they will no longer correspond with me over the issue, and the manager of the resort will not return their calls. '' I have been a customer for over 30 years with American Express and it is a complete disregard for my loyalty that they let this manager, who is so unresponsive, get his wishes and I get stuck with the entire bill. American Express Executive customer service is a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
i was a victim of identity theft and i noticed a hard inquiry from amex on my XXXX report.ive tried to dispute those but they refuse to remove it. It is hard for me to aquire credit due to those inquiries i demand that they remove them. Those Inquiries were not the dates stated XXXX/XXXX/15 and XXXX demand they be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: CarMax, Inc.
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:
In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Auto : # 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 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
MCA Mangement CO, is reporting a debt that is beyond the seven year statue and they refuse to remove it, this is not the first time this company had incorrecty reported information under my SSN, the also incorrectly reported a XXXX that allegedly occured in XXXX that was removed, these XXXX debts appeared on credit report at the same time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an insured money director account in XXXX Bank of New York. 
I used it to pay some bills. In XXXX XXXX i sent a check to XXXX XXXX that was returned in XXXX XXXX with a legend : Return reason-e : unable to locate acct. 
Since then i have trying to get in contact with them but had no response.

Company response to consumer: Closed with explanation