BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax has denied me and others from being able to view my credit report. I called in to inform Equifax of certain inaccuracies on my report and from that point on I 've been mistreated by Equifax Office of Consumer Affairs. I have been hung up on and yelled at from several employees in the office of consumer affairs and its manger or supervisor by the name of XXXX. She has instructed her employees to not even verify me and call me out by my name without verifying my identity. Now when I call I ca n't even reach an agent. They just blind transfer me to an empty voice mail based on my caller ID when I call in to get service on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax continues to report XXXX Bank as an Open Account, thereby distorting my credit utilization. This account was charged off in 2010 and is due to drop off permanently soon. My actual and current credit utilization averages XXXX therefore my credit score should be higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I contacted Account Services requesting debt validation pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, they refused to validate the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Reporting Agencies continued reporting the following fraudulent information without proper verification. This action by the Credit Bureaus has violated the Federal Law, FCRA section 605b. I am disappointed to see that the Credit Bureaus became non-compliant of such important FCRA Statute and kept ignoring the written appeals I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. I am now submitting this complaint to request another investigation and have the disputed items be removed from my Credit File. Pursuant of the FCRA section 605b, I am urging that the Credit Bureaus remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 XXXX XXXX, NY XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: OH
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 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 non-monetary relief
Consumer complaint received 2020-10-07
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi NRA MGR ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please  provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2022-07-20
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:
The Credit Reporting Agencies continued reporting the following fraudulent information without proper verification. This action by the Credit Bureaus has violated the Federal Law, FCRA section 605b. I am disappointed to see that the Credit Bureaus became non-compliant of such important FCRA Statute and kept ignoring the written appeals I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. I am now submitting this complaint to request another investigation and have the disputed items be removed from my Credit File. Pursuant of the FCRA section 605b, I am urging that the Credit Bureaus remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CITIBANK, N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off vehicle in XX/XX/2020 expecting the title lein to be released with Florida. CAlled in XXXX and Citibank was sending to their " third party '' team to release lien. I received a un notarized letter from Citibank that I took to DMV, DMV FL rejected saying it was not sufficient. I called back again in late XXXX and they again sent to 3rd party team that sent another letter 7 days later with a notary and seal. I went back to DMV escalated after initial rejection and DMV FL said they need to release it with the state through their 3rd party. Called back again worked with rep for 1 hour told to call back after a day and verify. Called next day was hung up on by the first rep after 30min hold, called back and escalated the issue to a supervisor. Supervisor said it's with 3rd party team again and nothing they could do or call the team. Citibank continues to push and ignore my request acknowledging I paid it off last year. I am unable to sell or transfer the title holding my funds hostage and depreciation of vehical as I wait. 

DO not finance with Citibank

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 2022-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my Credit File? Through a written letters sent on XX/XX/2022, I requested the Credit Bureaus for the investigation and correction of these accounts and yet upon reviewing an updated copy of my Credit report, it is clear that they have done nothing. Let me remind the Credit Bureaus that they are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that the Credit bureaus take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. 
XXXX. DPT ED/XXXX XXXX Balance Owed : {$2300.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$10000.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$5500.00} XXXX. DPT ED/XXXX XXXX Balance Owed : {$3200.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$5500.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$10000.00} XXXX. DPT ED/XXXX XXXX Balance Owed : {$4700.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$4600.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$10000.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$1700.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$4900.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$5700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
The Credit Reporting Agencies continued reporting the following fraudulent information without proper verification. This action by the Credit Bureaus has violated the Federal Law, FCRA section 605b. I am disappointed to see that the Credit Bureaus became non-compliant of such important FCRA Statute and kept ignoring the written appeals I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. I am now submitting this complaint to request another investigation and have the disputed items be removed from my Credit File. Pursuant of the FCRA section 605b, I am urging that the Credit Bureaus remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from a girl at fidelity creditors in the beginning of XXXX to notify me of an unpaid debt that I had with XXXX. Every time she called I would be at work so I had her contact me at a certain time. When I spoke with her she was poverty passive aggressive, I gave my card number to my Medical Reimbursement Account and then proceeds to tell me that they do n't take that card and to give her another because she knows I have another one. I told her I did n't at the time cause I was waiting for my debit card to arrive and told her to call me in a week. Well she calls me three days later asking for their money, my cell service is n't the best in most areas and the call drops almost everywhere, as I 'm on the phone with her on XX/XX/XXXX around XXXX and the call drops and then she proceeds to leave me a voicemail saying how that was rude of me and disrespectful and I am very uneducated and basically borderline calling me stupid in Spanish. I blocked the number and the calls stopped of course until yesterday someone calls me unknown and it 's that lady so I tell her sorry she has the wrong number and she blows up on me again saying " oh so now I have the wrong number? But I did n't have the wrong number before? '' so I hang up. I called XXXX today and spoke to a rep asking them if I owed them any money that was past due and if I did I 'm sorry and I was willing to pay them directly. She tells me that I have no past due balances and I 'm up to date on my file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: MD
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:
This complaint serves as my FINAL opportunity to cure and request for XXXX relief. In my previous complaints, I informed you of the laws and rights that you have violated. I informed you that failure to DELETE these accounts would be construed as willful non-compliance. 
To date some accounts have been closed but are still on my credit report, I am requesting that you DELETE ALL closed accounts immediately. 
None of the inquires have been deleted, PLEASE DELETE IMMEDIATELY As I am always willing to learn, if I am wrong and do not have the authority to make these requests, please provide the law that states so. Id also like for you to provide the contract you have between us authorizing you to have authority over me as it pertains to the information that is furnished on MY consumer report. As stated in the FCRA ; Congress makes it clear that Credit Reporting Agencies are to act in the best interests of the Consumer.

You are defaming my character and Violating my God-given right to privacy You have violated 15 USC 1681n Civil Liability for Willful non-compliance.

Because you failed to delete the accounts and inquiries as instructed, I am entitled to {$1000.00} per closed account that remains on my consumer report and {$1000.00} for failure to delete inquiries. Please be advised that your failure to remove the accounts/inquiries and pay the attached invoice will leave me no choice but to take legal action and sue for personal damages, punitive damages, plus attorney and filing fees. I am giving you the opportunity to avoid legal action by correcting your errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: ALLY FINANCIAL INC.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My problem is With Ally invest bank ... I have not been able to login to my account there website is down and they never answer the phone. I have tried via email, XXXX XXXX and i have spent countless hours on hold and nobody ever answers the phone. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
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: Account status incorrect

Complaint:
XXXX should not be reporting to Equifax a collection/chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account belongs to XXXX XXXX XXXX. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: IL
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've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to remove me from being lates on XX/XX/2021 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXXXXXX Balance : {$38000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation