BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
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:
This is my third time reaching out to Equifax. Once again I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from you bureau. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR XXXX XXXX THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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 following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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 am a victim of identity theft & I have been trying to clean my credit up for years, I have multiple hard inquiries on my credit report that are fraud I have 99 soft inquiries and 50 of them are fraud I have tried disputing with complaints to companies they refuse to remove these fraudulent inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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 am a victim of identity theft & I have been trying to clean my credit up for years, I have multiple hard inquiries on my credit report that are fraud I have 99 soft inquiries and 50 of them are fraud I have tried disputing with complaints to companies they refuse to remove these fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Personal information incorrect

Complaint:
Experian has my account all messed up and can not reach them to correct it. My account is frozen and I am unable to unfreeze it due to their error. Called them about 50 times and can not speak to anyone. The other two credit bureaus work perfectly.

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 2022-09-10
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX am a victim of identity theft and fraud. EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2022-09-10
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: Was not notified of investigation status or results

Complaint:
By law they aee supposed to tell me who verified information on my credit report. Experian refuses to tell me who verified the Bankruptcy on my credit report. 

XXXX  you need to send me an email letting me know when the company responds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis is reporting inaccurate public record information to my consumer report. There is a bankruptcy located on the report for which is inaccurate. In addition, my given social security number is being used by this company without my authorization and/or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-12-29
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I mailed at out a cease and desist letter to Midland Credit Manangement in regards to alleged debt. They received my letter on XX/XX/2022. According to my letter they were suppose to cease communication and cease reporting of this alleged debt from my consumer reports. USPS XXXX # XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: DE
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:
" XXXX XXXX '' is still reporting on both XXXX and Equifax, long after I have sent disputes in to the bureaus. They also have never responded to my disputes nor sent proof of HIPPA authorization. 

They have fallen short of providing me the following information : -Validate the alleged debt- Provide me with my HIPPA authorization -Please provide breakdown of fees including any collection costs and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you. 

-Cease any credit bureau reporting until the debt has been validated by me. 

-Explain and show me how you calculated what you say I owe. 

-Provide me with copies of any documentation that show I agreed to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
TD Auto Finance XXXX XXXX XXXX XXXX 
Balance is incorrect - Shold be XXXX Dates are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX CT XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1962 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-12-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The Credit Bureaus stated that my account was properly investigated but how is that possible if Date Of Last Activity, Date Opened, Account Status, and Dispute Status are INACCURATE. This is grounds for REMOVAL. 

They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. 

FDCPA 807 ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

FCRA Section 605 ( c ) - " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. 

They also took well over 30 days to investigate and respond to my written disputes within 30 days. which violates FCRA Section 611 Part ( A ) ( 1 ) My certified tracking number for XXXX is XXXX. My certified XXXX tracking number is XXXX and my Equifax tracking number is XXXX. 

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
There are three hard calls inquiries on my credit report that needs to be removed and I called transunion and other credit Beaures to take this hard inquiries out and siting congress passed law FCRA law that protects individual privacy and rights. But was told to call the organization that requested for my credit check and ask for letter of remover, however no one is helping. Please kindly help me to resolve this issue with transunion and other credit Beaures. The two organization that enquired into my credit report are XXXX XXXX [ XXXX XXXX ] on XX/XX/2023 and XXXX XXXXXXXX XXXX on XX/XX/2023.

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 2023-01-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I just want to file a complaint against Equifax My credit reports in the other company is good But my credit report is always go low with them My credit score in the other agency is XXXX but with equifax is XXXX Although I have no collections or any account open no late payments I have 2 open credit But it is not mentioned in my report They always keep other information that have been existing or incorrect information about me they have accounts 12 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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 please remove XXXX  XXXX from the credit report. The included in bankruptcy should have been included 30 to 60 days after discharge of the bankruptcy. Based on your report you showing yourself the discharge was XX/XX/XXXX We are now in XXXX and its just now getting added to the report you know this is not right! And is in violation of the FCRA I have showed you factual based dispute that its wasnt on the report until XXXX please remove from the report immediately and send me a updated credit report showing the deletion in its entirety. Lets move forward this is whats wrong with the world today and its not getting anybody people are always trying to bring others down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Key 2 Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 at approximately XXXX XXXX EST I contacted the original creditor XXXX  XXXX XXXX. I was advised I had an outstanding balance of {$850.00}. They advised me to reach out to Key 2 Recovery, a debt collector, to settle the account. I then found their website and logged in using my personal information, and they showed a balance of {$1100.00}. I submitted an online dispute and advised that I had just been told by the original creditor the amount owed was sent to them as {$850.00}. Key 2 Recovery then called me and said they were given a file in the amount of {$1100.00} by XXXX XXXXXXXX XXXX. I advised I had JUST talked to the university and the file was sent over as {$850.00}, per the original creditors. The collection agent then demanded XXXX XXXX DOLLARS to settle the debt. This is outrageous, in excess of any allowable fees, interest, or charges allowable in my state, and a misrepresentation. The amount originally owed was also grossly misrepresented and the representative lied about the original amount sent over. These unlawful tactics need to be dealt with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
( There is an ongoing fraud case with 4 credit cards and so far, nothing has been done. ) I have 3 demand deposit accounts with the bank that the bank froze. If they obtained a court order, I was not notified. I am unable to transfer any of the funds. I have made numerous calls and the credit card fraud dept sadistically wants to punish me and force me to potentially catch XXXX and either get sick or die from it and they are adamant I venture into a branch. I am XXXX XXXX XXXX and vulnerable. I have been a bank customer since 1988 and have lived at the same address. I had preferred status with my IRA account. It just transferred out and I fear the bank will start assessing finance charges to " steal '' my money since they froze my accounts. In my opinion, this is elder abuse and I question the bank 's solvency. 

If I try calling the numbers listed, they refuse to speak to me unless I will risk my life by going into one of their branches. 

I attached a snapshot of my accounts with the bank and the error message showing frozen accounts.

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 2023-01-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-01-06
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:
After checking my credit report, I noticed that there acre accounts showing negatively on my report that are paid and should be in a positive standing. I have disputed this since XX/XX/XXXX and the company has not removed it as well as another account, that I have been disputing since XX/XX/XXXX, with the same company that has been paid but reporting closed and negatively affecting my credit report. I have asked for the late payments to be removed because the account was brought back current and remained that way for the duration on the account.

Company response to consumer: Closed with explanation