BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: AZ
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXXBankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2017 Balance : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
I am sending again a complaint in regards to the inaccurate and unknown things on my credit report. It has been over many days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please remove these items. Do so, to comply with FCRA which requires all reporting to be 100 % accurate. 
Here are the list of items that needs to be delete in 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 EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/2022 - Transunion - reported to creditor XXXX Bank that my XXXX XXXX was XXXX in XX/XX/2022. I received notice from XXXX Bank that as a result of the low score they are closing my account. I called XXXX for an explanation. I was told by the creditor that I must obtain a copy of my credit history from Transunion- for the month of XX/XX/2022. I contacted reporting agency - Transunion and asked why they misinformed creditor of a XXXX score in XX/XX/2022. ( My score was never XXXX in the entire year 2022 ) I requested a copy of my scores from XX/XX/2022. Transunion stated they do not have any records of my credit score from XX/XX/2022. I was upset and informed them - as a result of the poor credit score they reported to XXXX my account was closed. They told me there was nothing they can do. They stated all scores are erased after the day has passed. And they can only provide me with credit scores for today 's date. So now my credit account with XXXX has been closed and my credit score dropped almost 10 points since the account closed.

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 2022-04-25
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:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Atlanticus Services Corporation
State: WI
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 Account # XXXX has violated my rights. 

15 USC 1681 Section I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer report furnished an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on credit card account open-ended consumer plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Debt Reporting Act. 

XXXX  XXXX XXXX is violating my rights. I have NOT given them any written consent permission. They did HARD INQUIRIES on XX/XX/XXXX, XX/XX/XXXX on Transunion, XXXX credit profile, lowering my credit score by XXXX points. Without my permissionand there was NO purpose. 

After speaking with XXXX XXXXXXXX XXXX representative : XXXX XXXX XX/XX/XXXX, she stated " there was NO new application from me asking for credit or services. '' I asked for a copy of my signature on XXXX  XXXX XXXX application. 
She stated " she could NOT send me a copy of my signature due to XXXX  XXXX XXXX NOT having a new signature on file. '' The XXXX XXXX remains on my profile. 

According to : 15 U.S.C 1681a ( 2 ) Permissible Purpose of consumer report. My rights are being violated.

15 U.S.C 1681 Section 604A Section 2 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 non-monetary relief
Consumer complaint received 2022-09-28
Company: ATG Credit, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is not mine and they continuously say they have a contract from me that I never saw nor signed. I chatted with a representative in the online chat system that they offer and she provided me with false addresses stating they were on the application then I received documents in the mail with a very different address on it. None of the credit bureaus they have on reported to have a po box reporting for me as an address I used before so the fact that they are harassing me for this is ridiculous and my credit is the one thats plummeting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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:
Ive never done any type of business with Medical Data Systems , INC . I spoke with one of their representatives on XX/XX/XXXX to provide me any signed documents that they have as proof of me owing {$100.00} to their company. 

In a written response the company acknowledged their company does not own the account or the debt. 

As of today Medical Data Systems has not provided a valid contract with my signature to prove my obligation to them.

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 2022-09-28
Company: JPMORGAN CHASE & CO.
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:
The purpose of this letter is to have several unauthorized credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
The FCRA states that the only permissible purpose for pulling someone's credit is for a firm offer of credit, insurance, employment or court order. The following credit inquiries are not related to none of the afore mentioned. 
JPMCB ( XX/XX/2021 ) I have sent letters to this company and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. 

Please remove these inquiries from my credit report immediately and send me a copy of my new, accurate credit report. Thank you for your timely attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
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:
TRANSUNION VIOLATION OF 15USC-1681c-2 BLOCK AND DELETE WITHIN FOUR DAYS-TRANSUNION RECEIVED THE FTC REPORT AND COMPLAINT AS REPORTED TO CFPB MORE THAN 4 BUSINESS DAYS AGO, HOWEVER, TRANSUNION HAS FAILED TO FOLLOW THE FCT GUIDELINES AND LEGAL REQUIREMENTS.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.

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 2022-09-28
Company: The CMI Group, 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:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX XXXX  with a reported balance of {$3900.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I sent a letter to remove all the outdated mailing address off my personal credit exempt the address on my driver 's license I do not live at the other address my personal information is being sent to other people houses my information can be stolen they did not update my address and delete old ones they did not sent me a letter within 30 days

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 2022-09-28
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a last reported balance of $ {$2300.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : US SM BUS ADMIN ODA XX/XX/2020 XXXX XXXXXX/XX/XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a last reported balance of $ {$2300.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 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