BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. I have no knowledge of the debt whatsoever please remove from all 3 credit reports. Total amount owed is {$0.00}. Ive already disputed with all 3 credit bureaus.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX FL XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: KY
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 several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$4100.00}, XXXX XXXX XXXX XXXX Balance : {$7100.00}, XXXX XX/XX/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 2023-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 am writing to dispute the presence of an unauthorized hard inquiry on my credit report, as listed in the report I received from your agency. I have identified an inquiry that was made without my consent or knowledge.. 

To assist you in your investigation, here is the inquiry that I am referring to : -- EQUIFAX -- XXXX  - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Problem with personal statement of dispute

Complaint:
Im in the process of terminating my contract with XXXXXXXX XXXX XXXX Timeshare due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the Timeshare been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

XXXX XXXX misrepresented the reservation of the time share rooms. Any time we looked to book, there were none open for reservation. Nnable to book at any XXXX property or given any alternative. 

2 The Salesmen said repeatedly that she would be our personal agent to make any and all bookings. After multiple attempts to reach her she continued to not answer phone calls or texts to the numbers she noted 3 Paid over {$11000.00} and were never able to use any of the points assigned to us through the program.

4 The titled property was said to grow in value because of it being tittled but actually was worth less than what we purchased for when we decided we wanted out.

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 2023-03-31
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I filed a police report and a FTC report according to the FCRA and submitted disputes to the credit agencies. These disputes are not being processed correctly and the paperwork is not being submitted. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Steel River Systems, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Steel River systems LLC -debt collector The letter states that I had an account with XXXX XXXX XXXX with the account number XXXX estate said the account is now owned by XXXX XXXX systems XXXX XXXX XXXX account XXXX negative check-in as of XX/XX/2008 the amount is {$5.00}, XXXX... 
The name on the letter is XXXX XXXX .... With my address.

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 2023-11-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BMO Harris refusing to provide the checking account bank bonus after meeting all requirements. Contacted support but was not given updates and ignored.

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 2023-09-25
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX a collection was placed on my credit reports and I did not receive proper notification or verification of alleged debt. All notices have went unanswered. 

Please accept this letter as my formal notice and request for the following items on my credit report to be investigated. 

According t the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify throught the physical verificatin of the original signed consumer contract- any and all accounts you post on a credit report. I am demanding to see Verifiable Prof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if yu are unable to provide me with a copy of verfiable proof, you must remove the account listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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: Account status incorrect

Complaint:
In 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 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 This account is showing inaccuracies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
U

nder the 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her own privacy. Experian is guilty of the infringement upon my Consumer Right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Under the 15 USC 1681b ( a ) ( 2 ) Experian did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item o
n my consumer 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 explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CIBC BANCORP USA INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Cibc aswell as XXXX XXXX refuses to reimburse me for transactions not authorized. 

THEY ARE MAKING ME WAIT 56 days to get a response. First they said 2 business days then its 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I keep getting harassed via phone and email for a {$200.00} debt from debt collector who introduces themselves as Aldous & associates attorneys at law ( phone number ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX, UT XXXX ) claiming that I need to pay for this and they wont even let me talk and explain the situation. When I asked them if they were a law office ( spoke to XXXX and XXXX XXXX they stated that they are and when I asked if the person speaking was also a lawyer he stated that he is an associate at the firm. I informed them I am not comfortable to speaking with a law office without representation but they keep calling me and are very aggressive and rude and dont understand that I dont want to speak without representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up Autopay when I first got this CC a few months ago. I was charged fees when Autopay did not complete my initial payments, and then this past statement my bill was deducted from my checking account twice, causing lots of problems. BOA has said they will refund the duplicate payment ( up to 14 business days ), which is not acceptable. They also could not explain why this happened or if it will be solved in the future.

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 monetary relief
Consumer complaint received 2023-10-06
Company: EGL US, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX placed a collection on my credit report to all three bureau 's. A total of XXXX saying that I owe it to BMG money. Who has been listed as a charge off. Since XXXX. When in reality it was XXXX. Come XX/XX/XXXX. Absolute resolution ( debt buyer ) listed XXXX for BMG money. This is double reporting as I only had one loan with Bmg money and haven't heard from them since XXXX. This is creating a lot of damage to my credit as I am trying to rebuild.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 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 2023-10-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information on my Equifax credit report. On XX/XX/XXXX, I initiated contact with Equifax to address the following discrepancies on my credit report. However, to date, I have not received a response from Equifax. Please find below the details of the inaccurate information and the necessary corrections : XXXX XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) : I dispute the reported Balance of {$1500.00}, as I recall the amount being lower. 
Request the removal of the Past Due amount, as this account is closed and charged-off. 
Request that Equifax mark this account as disputed to prevent any further negative impact on my credit score. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$7500.00} ) : The reported Balance of {$7500.00} is inconsistent with my recollection. 
Request a revision of the Past Due information, as it is inaccurate for a closed and charged-off account. 
Request that Equifax mark this account as disputed to safeguard my credit score. 

XXXX XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) : The reported Balance of {$1500.00} appears higher than my recollection. 
Since this account is listed as closed, the Past Due amount should not be reported. 
Request Equifax to mark this account as disputed while I address this matter with the creditor. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ) : I am uncertain about the reported Balance of {$2100.00}, as it does not align with my records. 
Given that this account is closed and charged-off, the Past Due amount should not be included. 
Request Equifax to mark this account as disputed to prevent further adverse effects on my credit score. 
Additionally, request verification of Date Opened, Date of Status, and First Reported for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: NJ
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 am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act These Accounts have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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