BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax XXXX XXXX XXXX, GA XXXX PRE-LITIGATION//PRE-ARBITRATION NOTICE I XXXX XXXX/Federally Protected Consumer to Consumer Reporting Agency . None of your company policies and procedures TRUMP FEDERAL LAW PERIOD. IT IS NOT XXXX XXXX JOB TO DO THE EQUIFAX JOB AT ALL. STOP LYING TO CONSUMERS BY SAYING THEY ARE SUPPOSED TO CONTACT EACH CREDITOR TO WHO YOU GAVE ACCESS TO CONSUMER REPORTS. I am a natural person who is at all times relevant, instead, Your agency has continued to ignore and refuse my written request for a proper investigation into EACH soft and hard inquiry you have allowed without my written consent. I have expressed to Equifax my concerns of identity theft due to the non-permissible inquiries your company has allowed to be placed on my Consumer Report. Equifax 's help in unauthorized conduct has resulted in significant harm to me. These hard inquiries are in fact negatively impacting my credit score on a daily. Equifax 's conduct has caused me XXXX  distress, and mental anguish and I fear identity theft. I am desperately trying to protect my privacy and enforce my rights. Equifax 's systematic practice of selling, and sharing my consumer reports for monetary gain without permissible purpose prescribed by the FCRA constitutes a willful and malicious violations of 15 usc 1681b/f. I am seeking actual damages, statutory damages, and punitive damages from EQUIFAX for this matter immediately. I tried to resolve this matter privately with EQUIFAX. 15 USC 1681 : Congressional findings and statement of purpose a/b/c 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 USC 1681r : -Unauthorized disclosures by officers or employees 15 USC 1681o : -Civil liability for negligent noncompliance 15 USC 1681q : -Obtaining information under false pretenses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: MI
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 went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was evicted by the landlord in question for paying the rent a few days late, less than 30 days, and me and my husband XXXX XXXX were singled out in order for the landlord to raise the rent from {$1800.00} monthly to {$2500.00} monthly. At the time of the eviction, according to the XXXX County Clerk of Courts, said company was not evicting any other tenants for the reason that we were evicted. Now said company/agenty is trying to collect from us an unlawful debt of {$3300.00} and has reported us to collection bureaus. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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: Was not notified of investigation status or results

Complaint:
Experian and XXXX XXXX XXXX XXXX continually for 5 years label my request " This complaint appears to be about the same issues as your earlier complaint '' when they have yet to provide a copy of the valid, signed, and dated permissible permission to have accessed my credit report in XX/XX/2017.

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 2022-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a detailed credit report with inaccurate information reported on my consumer credit report address XXXX XXXX XXXX Tx XXXX XX/XX/2021 on XXXX. XXXX XXXX XXXX Tx XXXX on XXXX and Equifax inaccurate. Date of XXXX on XXXX is inaccurate. My previous addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 ) ( XXXX FM XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) are inaccurate. Employer/Current employer XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX inaccurate. Also Known As reported as XXXX XXXX Inaccurate on XXXX. The companies XXXX Equifax and XXXX have violated my rights in accordance with FCRA U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction. As well as under, 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ) my rights have been violated as such under 15 USC 1681n ( a ) ( 1 ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus and accounts associated with the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
XXXX XXXX XXXX stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and USAA handled the case. USAA sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to XXXX not sending paperwork correctly. Can have USAA provide information on that statement. 
USAA said the {$500.00} was not due XXXX, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after XXXX bulk reporting several months of late at once and after USAA informed me that the {$500.00} was not due to XXXX. XXXX says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting USAA said not too pay. XXXX emailed a letter with different numbers, we paid the {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-19
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and XXXX handled the case. XXXX sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to XXXX not sending paperwork correctly. Can have XXXX provide information on that statement. 
XXXX said the {$500.00} was not due XXXX, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after XXXX bulk reporting several months of late at once and after XXXX informed me that the {$500.00} was not due to XXXX. XXXX says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting XXXX said not too pay. XXXX emailed a letter with different numbers, we paid the {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Someone applied for these items, they are not mine. I have a fraud alert on my account

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
N accordance with the faire credit reporting act convergent account 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: MI
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 credit report stilll show inaccurate comments in Disputes On inaccurate accounts on credit report. 
they where not investigated. This is grounds for removal they also violated my rights under This Correct information Listed below should only be on my credit Reports Correct Name XXXX XXXX XXXX Correct Date of Birth XX/XX/1979 Correct Address XXXX XXXX XXXX Michigan XXXX Correct Social Securit ; y number # XXXX Correct Phone # ( XXXX ) XXXX Correct Email Address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone applied for and received a credit card with Comenity.XXXX using my information. They then purchased {$5100.00} worth of merchandise at XXXX. I received the credit card statement for this on XXXX. This was the first time that I became aware of the situation. I immediately ( on XXXX ) called XXXX to report the fraud, and they began a fraud investigation. XXXX, the customer service rep. I spoke to, suggested that I contact a credit bureau to report the incident. I called XXXX and did that. I then went to identity theft.gov, which led me here, to report this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: MI
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:
Someone applied for these items, they are not mine. I have a fraud alert on my account

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 2022-11-24
Company: Experian Information Solutions Inc.
State: MI
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 verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX ( Original Creditor : XXXX XXXX ) XXXX have 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 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 2022-08-19
Company: EQUIFAX, INC.
State: MI
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:
Someone applied for these items, they are not mine. I have a fraud alert on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Johnson, Blumberg & Associates, LLC
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) we submitted two signed third party authorizations, from borrower XXXX XXXX twice and their own call records show XXXX XXXX called XXXX  and the Bank XXXX XXXX XXXX XXXXXXXX, requesting they provide me with a pay of borrower XXXX XXXX 's loan. They refused to do so but their attorney 's XXXX XXXX and XXXX XXXX lied to two court, XXXX to federal bankruptcy court that we could go across the street and get a mortgage, which I could not because they refused to give us a payoff, and XXXX XXXX stating a payoff could not be provided because he had to protect his client, XXXX XXXX 's privacy, when in fact XXXX was fully aware his client XXXX  had two authorizations and neither his firm nor XXXX XXXX XXXX did not represent the new master servicer Bank XXXX XXXX. I spoke to Bank XXXX XXXX who advised me that both authorizations I submitted in XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) from borrower XXXX XXXX were sufficient for XXXX to have provided me a payoff letter. The new law firm in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, Managing Member Johnson , Blumberg & Associates , LLC Attorneys at Law, representing Bank XXXX XXXX responded to my complaint # XXXX, by falsely stating I had stated that I had never gotten a copy of the foreclosure judgment, which was a lie, as I had never stated that. Further he NEVER offered to provide me with a authorization for his client Bank XXXX XXXX, who in fact provided me their payoff authorization for borrower XXXX XXXX to sign earlier this week. This is a continuing violation of federal law and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX ATTN : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Experian 's National Consumer Assistance Center XXXX XXXX  XXXX XXXX, TX XXXX REF : Report Number : XXXX I am writing to dispute the following data in my credit file. I have listed all errors below. It is a letter meant to bring unnoticed mistakes to Experian 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with Experian Consumer Portals! These kinds of companies are probably responsible for different breaches at Experian. 

My credit file was a breach was years ago. I completed all the appropriate steps. Experian stubbornly refuses to do a debt validation. They pretend to do the investigation and have a turnaround time of 24-48 hours, which is a false sense of hope. Then deny my dispute. Really? I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to them all over sixty days ago. Please delete these items as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 

Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Experian not take their knee off the necks of XXXX Americans, particularly my neck? I am begging to have these errors removed and why you all will not let me breathe? It is XXXX motivated. 
Could you all show XXXX 's kindness to a Veteran who risked his life fighting for a country I love dearly? 


Experian could make this right in a matter of minutes. 
XXXX XXXX XXXX, et al. 
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 explanation
Consumer complaint received 2022-06-06
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX Experian ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX Collections : 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 2022-08-19
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-19
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation