BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: GA
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 reached out multiple times to customer care and the CEO XXXX XXXX for assistance in removing a collections account that belongs to my exhusband. XXXX XXXX Bankruptcy court documents and a proof of claim have been provided to Equifax Dispute team multiple times and they are closing the dispute without review of the supporting documents. The erroneous account information on my credit bureau is causing a denial for my daughters student loan for college in fall 2023. 
Please assist me in Equifax reviewing the supporting documents provided and/or providing the proof that the collection account belongs on my credit bureau. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX of 2022 I paid for Credit Repair services to remove negative accounts and hard inquiries that were affecting my opportunity for advancement, such as lending for a home. I became educated on consumer laws, E-OSCAR, Metro2 compliance laws. XXXX of 2022 I have spent thousands of dollars on Credit Repair dispute letters, and little impact on the areas that are harming my credit the most. Charge Offs, late payments, hard inquiries - areas that can be considered illegal. I paid off collection agencies without realizing that the debt was taxable income, that it is illegal for creditors to conduct business in a harassing manner all while the debt had been cleared. Paying debt did not increase my score. Hiring a credit repair service has disputed with the agencies, however they are factual disputes versus consumer laws, metro 2 compliance and a plethora of USC violations. 

I have a XXXX Hard Inquiries from this year alone from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - XX/XX/2022 ( none attached to open accounts and not authorized ) I have Late payments from XXXX XXXX / XXXX XXXX Charge Off XXXX / XXXX XXXX XXXX Charge Off XXXX / XXXX  XXXX  Late Payments XXXX / XXXX XXXX  Late Payments XXXX ( disputed still pending )/ XXXX  XXXX XXXX These negative accounts are in violation of Metro 2 Compliance Laws, Fair Credit Reporting Act, Equal Opportunity Act, Consumer Laws, specifically Collections/charge offs/inquiries/collections 15 USC 1681 B ( SECTION 604 ) 15 USC 1681 C-1 ( SECTION 605A ) 15 USC 1681 C-2 ( SECTION 605B ) 15 USC 1666 Correction of Billing errors 15 USC 1681 B permissible purpose of consumer reports

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 2023-07-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 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 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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
N accordance with the fair Credit Reporting act XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A States I have the rights 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 XXXX XXXX account 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 2023-06-01
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:
I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company repeatedly calls me and family members. The debt is well over 10 years old. Collection agency hangs up on me when I try to ask for verification dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
on XX/XX/XXXX my vehicle a XXXX XXXX XXXX was totaled. On XX/XX/XXXX approx. My insurance company XXXX paid off the vehicle based on its value. After XXXX  paid off the vehicle, there was an additional negative equity balance of {$3100.00} The dealer I purchased the vehicle from sent a vehicle warranty cancellation check to Capital one on XX/XX/XXXX. On XX/XX/XXXX I confirmed with a representative at Capital one that they had received the check. Even after receiving the check in the amount of {$4100.00} they still have not applied the funds to my account and have not sent me the overage funds via mail. I have called several times and they say the funds will be applied within a couple days. We are now going on almost a month and a half. Originally I purchased a XXXX XXXX XXXX class from XXXX  XXXX  XXXX and there was an auto loan account opened for that vehicle. The vehicle began having issues day 3 of me having it and so based on the dealerships 5 day return policy I took the vehicle back and purchased instead the XXXX XXXX XXXX. The customer service rep claimed that this may have been the reason the funds were not applied to my account and asked for a front and back copy of the processed check. I provided this from the dealership. I still have heard nothing back from Capital one and my account will go into delinquent payments even though they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I deposited a cashier check on the XXXX of XXXX for XXXX then on the XXXX of XXXX I went and took out XXXX and deposited it into my boss checking account then I find out that the cashier check was a chargeback and l realized that they took out XXXX out of my bank account without my knowledge or permission so I call the bank to see if they could stop the check from being processed and just refund me back the money and they said they could since I called them early l talk to someone in the fraud department and they told me that all funds would go back in my account by Friday midnight XX/XX/XXXX and it didnt happen I called Bank of America l dont know how many times trying to get my XXXX back l went to the bank they couldnt help me and they told me that it was nothing they could do l thought they were supposed to protect us from fraud l filed a police report and I have all my paperwork and information all l was trying to do was get my XXXX back

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 2023-07-21
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:
I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX ), account number : ( XXXX ), account name, ( XXXX bank ) account number ( XXXX ), account name, ( comenity bank/ulta ) account number ( XXXX ), account name, ( XXXX bank XXXX Account number ( XXXX ) account name ( XXXX capital XXXX account number ( XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XX/XX/2022 I received an email notification from XXXX that an application was submitted in my name to establish a credit card with Bank of America, I did not make this application. I contacted Bank of America and reported this application as fraudulent. Bank of America assigned a case ID number. From my conversation with Bank of America it would seem someone has at a minimum my date of birth, name, previous addresses, and previous phone number.

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 2023-07-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX refunded me in full for my stay on XXXX  - XX/XX/ for {$380.00} on XXXXXXXXz There has been no information as to why I was charged again on XXXX. Ive spoken to several employees as well as sending an email to the manager asking for clarification. No one had gotten back to me. 

I opened a dispute with Wells Fargo on XX/XX/. I forwarded the email from the hotel stating I would be refunded. Wells Fargo said they will credit me the charge on XX/XX/. I reviewed my account and the charge was not credited. I called again on XXXX  the dispute rep said she saw all of the information there and would process the credit. To date the credit has not happened. I called on XX/XX/XXXX  and the dispute rep now tells me they have to close the old dispute and create a new one. 
I need this resolved and the interest rates from the fraudulent charged credited back to my account. 

Please advise on next steps.

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: EQUIFAX, 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX unable to see my credit score because of an error, XXXX asked them to fix more than XXXX time Cant log in on website and see my credit report, there an error when I log in that states theres a technical issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 requested XXXX and Transunion to remove all consumer statements and personal statement. REMOVE ALL CONSUMER STATEMENTS AND PERSONAL STATEMENTS WITH XXXX AND TRANSUNION.

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 2023-06-01
Company: EQUIFAX, INC.
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXXXXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
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:
I have several hard inquiries on my credit report from XXXX that are not authorized and are fraudulent and would like to report and also have them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have an account in collections with Blackwell Recovery, and I'm actively working with XXXX XXXX XXXX ( the original creditor ) to cancel my membership. I asked Blackwell, in writing, to return my debt which I'm within my rights to do under the Fair Debt Collections Practices Act. The person I spoke to on the phone was incredibly rude and tried to gaslight me into thinking I didn't understand my rights. I told them they'd get no payment out of me and that I'd report them to your office. 

They're incredibly rude and dismissive of my rights as an American. I need my debt returned so I can continue to work with XXXX. Force them to return the debt to my original creditor. I followed all their instructions to the letter and they don't get to be paid because they want to act like schoolyard bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-27
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MEDICAL DATA SYSTEMS , INC. fraudulently attempted to collect an alleged debt without providing proof that a debt is owed. They do not have a contract with my signature and I have asked them to provide this information but they can not because there isn't one. XXXX XXXX illegally sold this account to MEDICAL DATA SYSTEMS , INC., when the account was already paid on the date of service. MEDICAL DATA SYSTEMS , INC. has charged off the account and is adversely reporting to XXXX that I am indebted to them. All of this is being done WITHOUT my consent, pursuant to The Privacy Act of 1974.

Company response to consumer: Closed with explanation