BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
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: Personal information incorrect

Complaint:
I have on my credit reports a XXXX XXXX, Ive never went by any other name than XXXX XXXX XXXX. I have been checking my credit reports and didnt know that i could have a false name removed off my account until now that i got woke. So for years this XXXX XXXX person has been on my account oblivious. To have it removed. I don't even know a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: AR
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. 

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 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 All has clearly violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: NY
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter on XX/XX/XXXX regarding a debt of {$3500.00} owed for breaking a lease. I was not aware this fee was owed. Send a letter to I.Q Data International , Inc. at XXXX XXXX XXXX XXXX, WA with the purpose of disputing and requesting a verification letter. I have received no communication back. I had assumed this was a scam or otherwise. 

On XX/XX/XXXX I noticed a collection hit on my credit report so I called IQ international inc and was told very rude that they never received my dispute and at this point it did not matter and that I owe the debt and need to pay it in full including interest. I have not received any voicemails or other communication from them since XX/XX/XXXX other than when I called on XX/XX/XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from comity bank on XXXX XXXX am set and the call came in as unknown or blocked caller. I spoke to the collector I also expressed this practice of unknown caller as a FDCPA violation. Nothing was addressed to this comment. They are first party debt but I didnt believe this is still an allowable practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX has Violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several items on my credit report. The following accounts have been reported inaccurately : XXXX XXXX : The account has been reported as late payment, but I have no record of any late payment. I have always made my payments on time. 

XXXXXXXX XXXX XXXXXXXX XXXX : The account has been reported as a charge off, but I have never received any notification of this. I believe this may be an error. 

XXXXXXXX XXXX XXXXXXXX : The account has been reported as a charge off, but I have been making regular payments on this account. I believe this may be a mistake. 

XXXX XXXX and XXXX : These accounts have been reported as charge offs, but I have no record of any missed payments. I have always paid my bills on time. 

XXXX XXXX XXXX XXXX. XXXX : This account has also been reported as a charge off, but I have not received any notice of this. I believe this may be an error. 

I request that you investigate these items and correct any errors on my credit report. I have enclosed a copy of my credit report highlighting the items in question. Please contact me with any updates or information regarding the status of my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: CO
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:
During covid-19 of XXXX year XXXX i was released from my job due to catching XXXX. during that time period someone broke into the office of my job and stole my personal information which contained my SSN and my personal identification. after recently reviewing my credit report i discovered that someone used my SSN and other personal identifying information to successfully open up 4 different accounts in my name that i had no knowledge about. 

The accounts or as followed : XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX  XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX ( opened on XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse of remarks you not provided me a copy of any original documentation required under 15USC 1681G ( a ) ( I ) & USC16811 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all Information Which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: MI
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 XXXXXXXX XXXX  XXXX XXXX card and XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts was open fraudulently. Heres my police report to go with my ftc report to have theses accounts removed or blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " 8 Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.

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 2022-12-17
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquires are reporting on my credit that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse of remarks you not provided me a copy of any original documentation required under 15USC 1681G ( a ) ( I ) & USC16811 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all Information Which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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 was reported deceased illegally trought all 3 credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money XXXX XXXX XXXX XXXXXXXX XXXX so I never could contain a credit score due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my XXXX XXXX I was born in XXXX false information to all credit bureaus force me to have no credit an lose money an benefits

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Kornerstone Credit,  LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX Outsourcing and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: OR
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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 to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-11-07
Company: TIDEWATER FINANCE COMPANY, 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:
Tidewater Motor Credit has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted Tidewater to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Information belongs to someone else

Complaint:
Hi I am writing to get some help in regards to my credit report, there are some inaccurate and fraudulent account on my report, i have disputed these several times with each bureau and I haven't been able to get back a response from any of the 3 bureaus XXXX, XXXX AND TRANSUNION, please help as this is affecting me significantly.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$230.00}

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 non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have inquiries on my credit report that need to be removed. I didnt authorize inquiries to my credit report from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. I asked that these be removed XXXX ago without a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
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 to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-02-25
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is appearing on my credit profile With account XXXX. 

I have paid this account 3 years ago in full. No debt is owed and still falsely shows negative on my credit report and only XXXX reporting agency. 

Please remove from my credit profile. This is causing negative consequences to my credit and life.

Company response to consumer: Closed with explanation