BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted each credit bureau to dispute items that did not belong to me that were reporting against my credit on XX/XX/2017. The only response that I received was from XXXX and they were able to remove all accounts I requested to be removed. It has been well over 30 days and I have n't received any information from Equifax or XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 first contacted TransUnion about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted XXXX XXXX XXXX the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.

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 2021-03-10
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XXXX of XXXX we notified XXXX that the vehicle was having mechanical issues and we were not able to get it registered or fixed. Our account was severely delinquent for the past year, we would make a payment only when an email was sent advising the date of repossession. We recently were forced XXXX XXXX the vehicle and it experienced engine trouble resulting it not being able to be moved. This was on XX/XX/XXXX. It was stuck at a gas pump, I had a certified XXXX mechanic come out to inspect the vehicle. He told me that his shop could not fix it, and only the dealership could fix the vehicle. He helped me push the car to a parking spot. I then notified you of the issue with the vehicle. I spoke to your executive office and was assured a repossession company would contact me to arrange pick up. During the initial call, the representative gave me false information related to my credit reporting during her attempt to make me keep and pay for the vehicle. I was voluntarily surrendering the vehicle to avoid further fees and negative credit reporting but you told me that i had to have possession of the car even though I am calling you to tell you to come get it. We agreed that the repossession company would contact me to arrange pick up and I would meet them to give them the key to have it considered a voluntary repo. I called earlier this week and was told that I had a payment arrangement scheduled and it would not be picked up. I had to explain the situation again and remind them that the vehicle was not running and my arrangement was deleted. I was told it would be picked up. I called again today, XX/XX/XXXX and was told that you sometimes wait until the involuntary repossession date to secure a vehicle. I do not agree with this as we made an agreement to have it voluntarily surrendered. Your company calls non stop multiple times a day and the representatives are very rude. My credit is absolutely destroyed and i've been paying for a car that i couldn't ' even drive. 
Please quit trying to charge me more money and prolong this ordeal. The situation is that we purchased a car at your dealership XXXX, financed with your company BridgeCrest and our extended warranty is with XXXX, also your company. The warranty we bought from you on the vehicle from you can not even fix the car we purchased. Dealerships are not in the network and that is the only place that can fix the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CBC Companies, 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:
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX & XXXX XXXX XXXX XXXX Inquired XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Mandarich Law Group, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 Mandarich Law Group contacted a relative of mine which is illegal regarding debt and telling them the amount i owe on it. it is said that they can not contact and tell anyone regarding this matter besides my spouse. I have also sent them a letter on XX/XX/2022 stating that to please to dispute the total amount owed on my account {$4300.00} and more. As well Mandarich Law Group sent me a letter that said " if you write to us by XX/XX/2022 known as XX/XX/2022 we must stop collection on any amount you dispute until we send information that shows you owe the debt. However my credit card limit was {$4000.00} and i nearly spent that much money on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have since paid off his loan, but approximately 5 years ago I had an auto loan with Bank of America. I paid my normal monthly payments and occasionally I would make a principle payment additionally. I discovered that not only was interest charged, and rightfully so, on my regular payment, but that I was also being charged interest on my principle payment. Essentially Bank of America was making me pay interest on my own money. They only credited me when I complained. I submit this to you as there is no telling how long this has been going on or to how many other consumers this has happened to, namely being cheated by this fraudulent tactic. I realize I probably should have complained sooner but I did not know how to go about it until a friend told me about CFPB.

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 2018-08-03
Company: Experian Information Solutions 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:
inaccurate information no knowledge of accounts reported through FTC identity theft and PO report, violation of FTC and CRA

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 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$680.00}

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 2017-09-08
Company: EQUIFAX, INC.
State: MN
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:
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax failed to protect personal data which enabled my records to be compromised. I was never sent a notice my data was vulnerable and that a breech had occurred. The company still has not notified me or stated a clear date that the breech occured. They just state it happened between mid-XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: TN
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:
Hey, My name is XXXX XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Reporting company used your report improperly

Complaint:
My social security number was reported as probably compromised by Equifax. This might allow people to open accounts in my name resulting in my credit report being very adversely affected. It is absolutely unacceptable that over 143 million social security numbers have been compromised by Equifax. Many wo n't even know to put a fraud alert on their accounts or to check their social security number and the devastation they unknowingly face may be astronomical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To someone who can help me. I am deeply upset because I have denied for housing due to a false and inaccurate account on my consumer report. I dont how this happen but it needs to be removed asap. XXXX XXXX and these three bureaus have messed things up with my comsumer report. I dont have debts and I dont owe anyone. XXXX XXXX is committing illegal activity under FCRA 609 by fraudulently and illegally placing an item that is obviously mixed up with someone else because this account is not mine.. This is very unethical and its on ALL my credit reports. this false debt is not mine and I can prove it. I have attached a letter from XXXX XXXX themselves sending me reimbursement for the error they committed. These bureaus is violating my rights as a consumer by reporting an inaccurate account after even notifying them, under FCRA section 609 this must be removed from my credit report immediately. You cant just place an false item on someone report and say they owe something. Thats FRAUD. THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVESTIGATION BY THE ATTORNEY GENERALS OF TWO STATES, THE CFPB, THE CONSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD, EMOTIONAL DISTRESS, AND ILEGAL ACTIVITY.

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 2022-07-13
Company: Experian Information Solutions 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:
In previous months, I requested the correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had updated. Due to the Bureau 's lack of response which I classify as frivolous. Experian, XXXX, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00}

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-11
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted XXXX and also I have disputed several times an account from XXXX listed on my credit report as derogatory with an outstanding balance. I have paid off the account. I will attached the paid off letter to this complain which was also sent to XXXX. I also called XXXX and they have confirmed my account to be paid in full with a Zero Balance. And XXXX keeps saying that they verified the account to be accurate. They are lying and they are breaking the law under FCRA, by proving erroneous information on a credit file of a consumer. It is the on account under XXXX XXXX listed as Original Account last XXXX : XXXX Creditor : XXXX Regarding The XXXX XXXX XXXX Credit Card XXXX and XXXX are refusing to delete the account even when I have provided evidence of the account being paid off.

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 2022-02-11
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:
Equifax has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed and my information is being falsified. I demand that these inquires be removed immediately.

I am reporting on my own behalf. 


Inquires listed : 1. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On 5 different occasions I have contacted Fair Collection and Outsourcing in  XXXX XXXX MD XXXX @ XXXX. 

I have sent over my police report for stolen identity. I have signed an affidavit that this was not my account. 

I lived at XXXX XXXXXXXX XXXX XXXX XXXX Maryland XXXX from XX/XX/XXXX - XX/XX/XXXX. I have provided my DL and they are refusing to remove it from my credit report. I work for the department of homeland security and have to have this unpaid debt removed from my credit report inorder to maintain my clearance.

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