BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1618. 

Equifax is govern by 15 USC 1618. And they violated my rights numerous of times. I demanded the accounts listed below be removed because According to 15 USC 1618 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
previous complaint file no. XXXX, where account was opened without my knowledge and never received card. Wyndham said they would close credit card account they have not. I want it closed. The attached letter also has the wrong name listed. XXXX XXXX was deceptive during her presentation and mentioned noting about opening a credit card account which I never received.

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 2018-01-05
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
My credit report has a revolving XXXX account that is reported as being an open account. I contacted a XXXX credit specialist who stated accounts are not reported on after 7 years and there was no record of any account in my name. The account is being reported as open still.

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 2022-05-19
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:
Credit Bureau did not perform an investigation

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2016-01-27
Company: Evergreen Acquistions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A guy named XXXX called me numerous times and from different numbers which XXXX of them was a local number when the company he says he works for us Evergreen Acquistions. He was very unprofessional and threatened to call my XXXX sheriffs office each time he spoke with me. And the last time he called me from a local number he yelled at me and said he was calling the sheriff and then hung up. I did without thinking and because he scared me at first I gave him XXXX of my debit card numbers. I ca n't tell if it is a scam or what only because of the threatening nature and unprofessionalism. Please help me find out if this is a scammer. Thanks. The address they are supposedly located at is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX. Email address egacq.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # XXXX XXXX XXXX XXXX / XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 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 instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Carvana Group, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Date of transaction XX/XX/2021. 
Account : Persons on Contract XXXX XXXX Purchaser, CARVANA GROUP , LLC dba CARVANA seller/alleged creditor, XXXX XXXX XXXX, XXXX XXXX Type of Account : Investment CARVANA GROUP , LLC dba CARVANA/BRIDGECREST CREDIT COMPANY, LLC contracted and conspired XXXX a fraudulent loan with XXXX XXXX the consumer XXXX 
XXXX XXXX, consumer, allege to be the actual lender from XXXX credit card use in the transaction. 
CARVANA GROUP , LLC XXXX CARVANA violated Truth In Lending Act Regulation Z. Agents notified failed XXXX XXXX rescinded the contract and is due remedy. XXXX continues to attempt/collect payment for a voided contract and attempted to steal XXXX XXXX XXXX XXXX that is legally XXXX 's XXXX 

Contacted the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Counsel for the XXXX firms XXXX, XXXX Dealership where vehicle was sold from in Georgia XXXX, XXXX headquarters in XXXX Arizona XXXX XXXX XXXX, XXXX XXXX in XXXX, Arizona

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-20
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 XXXX XXXX Account # XXXX XXXX XXXX XXXX / XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had received a collection letter from Weber & Olcese P.L.C. i did inform them that it was filed this on bankruptcy, but they '' re disputing it because it was on my son bankruptcy discharge, and not mines even thought he was a authorized user as well. so they have been constantly harassing me, to the point that they have filed a law suit against me, stating they they are employee of XXXX XXXX and they have access to all relevant system and document of XXXX XXXX to validate any information that they are authorized by them, and they have personal knowledge of the matter, that stated in the law suit that there was a attached contract, which it was not, they submitted a billing summary and invoices, and invoice is not a bill of sale, nor is it evidence of a sale, it is a mere detail statement of quantity and cost of things invoiced, i told them i was not the responsible party and they continued to harass me about a debt that been clear in bankruptcy ... and even the amount that they are suing for is more then the bill that they attached to the law suit, the bill is for {$1700.00} they are suing for a total of {$1800.00} other charges that was added since the charge off, i would like to knows who trying sue me is it the credit card company, or is it and third party debt collection company, because capital stated that the debt was charge off given to attorney net work, what ever that is, but they are coming after me saying they are the actual company that suing me, and on the law suite it state they they are a debt collection company, please help they are twisting things to there advantage in court, i have submitted all papers to them but they continued to come after me, i have previously filed a complaint but left off some things

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Complete XXXX Loan Modification Package submitted to Seterus on XXXX/XXXX/XXXX. They did n't review the documents for over 30 days, making the documents out of date. Updated documents sent and sent again. Called and told the package was complete. Called a few days later and was told there were missing documents and the other agent was mistaken. Sent in the missing documents. Then apparently another missing documents letter was sent to the homeowner on XXXX/XXXX/XXXX. Was not received until XXXX/XXXX/XXXX. XXXX asked for missing docs to be submitted by XXXX/XXXX/XXXX - over the XXXX holidays!! DOcuments not received by XXXX/XXXX/XXXX and file closed on XXXX/XXXX/XXXX. XXXX XXXX at Seterus now saying that file can only be reopened with ENTIRE NEW PACKAGE SENT, and the cycle starts all over. WHY DOES SETERUS DO THIS TIME AND TIME AGAIN?? It 's back to XX/XX/XXXX. XXXX XXXX 's supervisor, XXXX XXXX says we do n't have to resubmit a NEW PACKAGE. We just have to send in the information requested in the missing document letter. What is correct or true? 

Seterus on behalf of XXXX is deliberately not reviewing documents and providing false and misleading information about these files to homeowners and their advocates. 

I just spent 30 minutes on the phone with XXXX XXXX, who said that the file was closed because they were seeking information that was duly provided ( I have emails that show the information was sent ) about a contributor. This also happens time and time again. You send Seterus information and they claim they never got it. 
I still do n't know what to do or what to send and why I have to send everything in again, just to be in the same place in a few months. Why is this going on in XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft, I processed all the steps I needed to get these accounts removed of my report. It seem like Equifax consumer affair dept is handling my report at this time. I ca n't access my report online or received it via mail. I spoke to two specialists in consumer affairs ( XXXX and XXXX XXXX ) they told me it do n't matter if I gave them a police report, the creditor have to remove the accounts off my report. They were very ghetto and rude. I have been getting lied to repeatedly about my file. I faxed over the documents they asked for 3 times already and nothing is getting done at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax..this agency deleted my high credit, 3 loan reportings from XXXX on my truck pd off in 2014. 
I managed to get the bank to re- submit the loan reportings..they had to do it twice before it was added ... and when it was added to my file..at the same time equifax deleted all but 3 of my XXXX XXXX positive reportings..keeping my score below XXXX. 
I do not know why they did this..im sending pictures of what was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: MO
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 U.S.C. 1681. 
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 XXXX15 USC 1681 section 602 A. states i have the right to privacy. 

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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 2022-04-20
Company: Knight Adjustment Bureau
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Knight Adjustment Bureau discontinued an action to collect debt and removed debt in XXXX for XXXX XXXX That's been disputed for being from XXXX. Like I stated was removed then opened again in XXXX. 
I've reviewed my account to see the account was opened again in XXXX. The original date goes back to XXXX. I've disputed twice, and have received no letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received notice from my credit protection service that an unknown person applied for auto loan credit in my name XXXX/XXXX/2015 at XXXX places North Carolina. I called these lenders ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), and they XXXX assured me that they had no record of anyone using my name or SSN, and showed no record of these inquiries. I immediately initiated a dispute with Equifax and placed a fraud alert on my credit bureaus. Less than 24 hours later I got an email from Equifax saying that my dispute was resolved and that these inquiries were legitimate and factual. The email gave me no way to speak to a person further about this investigation. I live in XXXX CT. I did not apply for auto credit in North Carolina, and I can not understand how Equifax can determine that these inquiries are factual when XXXX lenders in North Carolina have advised me that they are not. I want Equifax to delete these inquiries from by credit bureau as their existence damages my creditworthiness. I have attached the results of the Equifax investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed numerous times with Equifax concerning Equifax has continued to state that XXXX County contacted them and verified this information. XXXX County Clerk of Courts stated they did not report any information at any time. Equifax has been violating the FCRA and stating that they did and giving their contact information and its not factual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: Mercedes Benz Financial Services
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
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:
Our 3-year lease with Mercedes Benz Financial on our XXXX XXXX expired on XX/XX/XXXX. We decided to purchase it and signed a loan with XXXX XXXX XXXX XXXX  on XX/XX/XXXX. We were in an accident and totaled the car on XX/XX/XXXX. Mercedes Benz Financial told me by phone that they received XXXX XXXX XXXX XXXX  's payment on XX/XX/XXXX. 

XXXX XXXX, our insurance company, determined the car was a total loss. However, they can't settle the claim because Mercedes Benz Financial has not transferred the title. For 3 months now, I have been making payments on the XXXX that I no longer have. My husband is still hospitalized as a result of the accident and I have to drive our XXXXold truck because the insurance claim can't be settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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 XXXX the below account names and numbers has violated my rights. 

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 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 explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MO
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 U.S.C. 1681. 
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 *15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
Ive sent letters to all three reporting agencies as well as the original collectors, the time of which these items are to be reported has expired over 8 years. Legally under the fair credit reporting act 7 years is the deadline in which these companies can report on the credit after the account has been closed. It has been almost 10 years now and they after many letters are still reporting and not taking into the account the laws in place.

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 2015-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX credit card reporting a charge off and outstanding balance on my credit reports. XXXX and equifax. I have disputed info it was deleted and reinserted. Now showing balance due. This account was discharged in BK XXXX 2011. Company reports charge off and due as of XXXX 2011. Account should be deleted from my file and not reinserted this has happened approx. 3 times. XXXX refuses to report correct information.

Company response to consumer: Closed with explanation