BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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: Personal information incorrect

Complaint:
All Financial institutions that furnish information to nationwide consumer reporting agencies, such as XXXX, Equifax and XXXX to ensure maximum accuracy on consumer reporting. However, These agencies have violated FCRA 15 U.S.C 1681 E ( B ) & 1681 I by willfully and negligently failing to follow reasonable procedures to ensure maximum accuracy in its reporting and failing to reinvestigate my dispute reasonably. This action also violated 1681 N ( willful violations ) & 1681 O ( negligent violations ) There is no reason why anyone could or should not rely on information provided by the furnisher to accurately report this error to the CRA without some allegation to be labeled as unreliable & untrustworthy I notify the furnisher, the address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher thereafter reports the correct information to CRA. Which is shown in documentation attached Therefore all inaccurate information that was reported prior to the correction to the CRA that affects creditworthiness must be deleted from my report because it is proven to be inaccurate once the furnisher updated the information to validate the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-01-05
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: TN
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 noticed on my credit report that I had a collections account with XXXX. I already paid a balance of {$390.00} with XXXX prior to closing my account with them, bringing my account balance to {$0.00} which I then immediately closed the account directly after. 30 days later, I noticed a collections account of {$390.00} on my credit report. This account is NOT mine and is being falsely reported on my consumer report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: IA
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:
XXXX XXXX # XXXX Dear Credit Bureaus, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of discrepancy in my credit report that requires your urgent attention. 

I have recently reviewed my credit report and I have discovered several errors that are affecting my credit score. The discrepancies include outdated and inaccurate information about my payment history, incorrect account balances, and duplicates of certain accounts. 

These errors have caused a significant decrease in my credit score and have made it difficult for me to obtain credit when I need it. I understand the importance of maintaining an accurate credit report and I request that you take immediate steps to correct these errors. 

I have attached a copy of my credit report, highlighting the discrepancies that require your attention. I have also included documentation supporting the correction of these errors. 

I request that you take necessary steps to delete the incorrect information as soon as possible. I would appreciate a prompt response to this letter and I look forward to hearing back from you soon. 

Thank you for your attention to this matter. I am confident that with your cooperation, we can resolve this issue quickly and efficiently. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a suspicious letter from Mandarich Law Group, LLC back in early XXXX. Stating that they are attorneys and taking me to court over debt/collections they are claiming I owe. I never heard of these people, never done business or entered in any contract with them. I have no clue who they are and why they are contacting me. 
I did not respond scared that it may be fake or a scheme. 
I had been a victim of Identity thief in XXXX and was not taking any chances. 
A couple of months later I was served though U.S. mail service with a huge intimating legal packet stating that we have a court date set for a date almost a year away. 
To say the least I was very scared and stressed out over it. 
They claimed This is a communication form a debt collector. And this is an attempt to collect a debt, and any information will be used for that purpose. 
See Reverse side for important information ( reverse was blank ) Then it goes on to say " Mandarich Law Group , LLP 's California Debt Collection License application is currently PENDING?? 
Im not a lawyer but I'm pretty sure they are engaging in illegal Debt Collection practices without a license to do so in the state of Californian under the : FINANCIAL CODE - FIN DIVISION 25. Debt Collection Licensing Act [ 100000 - 100025 ] ( Division 25 added by Stats. 2020, Ch. 163, Sec. 3 ) CHAPTER 1. General Provisions [ 100000 - 100002 ] ( Chapter 1 added by Stats. 2020, Ch. 163, Sec. 3. ) Using their title as Layers to intimidate by using abusive and threatening, language an tactics to collect monies from ordinary consumers whom theyve had no business with. They just came out of nowhere. I just obtained my credit report, and they are not even listed. 
This cant be right? Even if their collections lic was pending and they fall under any exception ruled in on XX/XX/XXXX, they were already practicing without a license in XXXX when they initially contacted me. 
Please help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has been contacted through every appropriate channel with respect to them unlawfully activating an account after I advised in writing to not only cancel application and delete my personal info entirely but ach, phone and email were deleted months ago. 

They have been contacted through various agencies months ago long before they ever reported to credit now they are blatantly breaking the law by repeatedly violating cease and desist, reporting inaccurate info, disregarding request for ccpa deletion

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 2023-04-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC.

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 2023-08-08
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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
hi, on XXXX Around XXXX XXXX  I looked out of my back door window and notice our car was missing from our drive way I immediately told my wife then picked up the phone to call the cops and couldn't find the vin : # because it was in the glove box along with other important papers so I called west lake financial our leading provider to ask them for the vin : # which I new would be required by the police only to find out from it was west lake that had taken our vehicle so I asked them why had they taken our vehicle and was told because we Haden made a payment since XXXX which was a lie because we had conformation E-mails from west lake Financial confirming that they had received payments from us in XXXX  so then the west lake reps began trying to denies there own E-mail conformations I then requested to speak to a supervisor or manager and was denied and further told by a west lake rep that the only way for me and my wife to get our vehicle back would be to pay XXXX in cash

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 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened account with capital one bank on XX/XX/23. Capital one closed my account for suspicious activity. Ive been calling capital one for several months to release my funds. Ive uploaded an ID for verification. I spoke with XXXX ID # XXXX and he stated they dont have a time frame as to when my funds will be released. I have several credit cards and auto loan with capital one so Im not sure how my account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had been getting calls from Dynamic Recovery Solutions every few months requesting payment on a debt owed. Each time I am contacted, I request a statement to be sent to me showing the original debt and charges that are on the bill but never receive anything on paper showing what exactly the debt is for. 
I received a call on XX/XX/XXXX from Dynamic Recovery Solutions again regarding a debt owed for medical bills incurred in XXXX, totalling XXXX. The representative said that it is for a remaining balance that is owed after the insurance coverage and since it has been more than XXXX  years from the date of the bill, my only option is to make a payment plan. I requested a statement to be sent again and he said that XXXX XXXX sent on XX/XX/XXXX. I told him that I have not received it yet again and will not make a payment plan until I receive proof of what the bill is for. The collection has now shown up on my credit report and I have still not received anything proving what the bill includes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, I carry a card with Citi, my available credit card limit is 3x the amount I intended to charge. I notified Citi that a large amount would be charged ( purchasing appliances ) via their app I received confirmation this was good to go. Upon purchasing, my card was declined. I responded to their text promptly confirming if this transaction was me and was notified my transaction was declined. I have called 4x to attempt to call and resolve any confusion and was told because I do not have a landline, a work phone number my account will now be locked for 10 business days awaiting a letter.

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 2023-02-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This is a not a duplicate complaint and the reason of this complaint because I'm a victim of identity theft, my personal information has been stollen, and I'm a doctor on a wheelchair, I'm very limited to go anywhere. I can't file police report over the phone at this point. I recently checked a copy of my credit report and noticed some addresses reporting that do not belong to me or have been obsolete for an extended period of time. For the safety of my information, I hereby request that the following obsolete addresses be deleted from my credit reports immediately ; 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 ALL ABOVE ARE NOT MINE, AND MUST BE DELETED.

I have provided my identification card and social security card to verify my identity and current address. Please notify any creditors who may be reporting any unauthorized past accounts that are in connection with these mentioned addresses as I have exhausted all of my options with the furnishers.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Each of 3 Credit Bureau 's received credit report updates on my student loans Theyve been paid off My XXXX XXXX did NOT XXXX up like many others I continue to have a score thats classified as " poor '' and below XXXX and Im not able to secure any credit despite the bureau 's sending me recommendations on Credit cards in last 60 days to Build my credit. 
The information is mismatched. Also, XXXX and XXXX show me LATE on 14 student loans But my loans are PAID to XXXX balance And while on my credit they were in Deferrment This is making a challenge to get any credit I apply for I also work with a system called XXXX I unlike my colleagues keep having IT issues impact mywprk under my pprofile I addressed this but the credit bureau denied their being linked onto my credit profile. 
I had a FREEZE on my credit file and despite that they permitted XXXX to PULL my credit. 
I asked their accounting dept and they said they dpnt know how their compuer XXXX system let that inquiry happen but they also concerned about XXXX policy. 
Every single time I request credit access into XXXX, My Login credentials Do Not work I always hace to stop and call in and redual ex after hang ups and finally talk XXXX a rep Today a rep had to HELP me get access to my acvount to manage a freeze and it took me 45 minutes on the phone to gain access This is Typical pattern for ME when I sttempt to do anything with my own XXXX reports At times it happens with the others Adfitionally they continue putting a OLD Emploer on my profile from another state This practuce has hone on 5 years for one business and 30 years for a NY XXXX XXXX XXXX I worked at as a part time Temp 1 yr after graduating high school!!!! 
Another is one I had a on job complaint XXXX case with

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 2023-02-11
Company: EQUIFAX, 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 have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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 have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

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