BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Remove unauthorized inquires see FTC attache.... 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 2023-02-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has reported an account to my credit that was cancelled and it will show that in their system. 
The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and XXXX regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: IL
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:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXXXXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 



15 U.S.C Sec 602A. States I have the right to privacy 15 U.S.C Sec 604A. Also, states a consumer reporting agency can not furnish an account without my written consent.

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 2023-06-29
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: Their investigation did not fix an error on your report

Complaint:
the XXXX XXXX XXXX was never been late as mine account they have to be changing this account with the other people ... this is e big mistake..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: IL
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX XXXX I received a letter from Truist stating they didn't receive my payment for my credit card ending in XXXX by the due date. I did not previously receive a letter or communications from that that I had a balance due and did not check as this account was no longer active ( last transaction was from XXXX of XXXX ). I contacted them on or around XX/XX/XXXX, and notified them that the four XXXX charges ( on XX/XX/XXXX ) on my account were fraudulent and wanted them removed, and that I needed a new card number. 

They stated that the they noticed fraud on my account at the time ( XX/XX/XXXX ) of the transactions and stopped the transactions after the four that occurred to the XXXX store. They stated they sent me a letter about this possible fraud but I never received it. They let these transactions sit on my account and eventual cause a late fee and interest and a report to the credit reporting agency that I was 30 days past due. 
They assigned a case number of XXXX for my dispute and said they would resolve it in 90 days. 

I just checked my account and they are continuing to charge interest and late fees and have given me no additional info resolving and will not remove the late charges/interest from my account. 

My concern is they will continue to report ( on charges/fees in dispute ) on this to credit reporting agencies causing harm to my credit score and not remove the charges as appropriate. I called today XX/XX/XXXX to request these charges be removed in a more expedient manner and they hung up the phone on me. This is the equivalent of about {$40.00} in fraud charges that takes them months to resolve all the while as they tack on fees and charges that now total {$100.00} ( of debits and fees and that are not mine ) as of XX/XX/XXXX, and report falsely to reporting credit bureaus.

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 2023-04-20
Company: ACIMA CREDIT, LLC
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:
It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 

I do not recognize how the account is reporting on my credit report. 
I don't recognize the account number, account status, or the account 's high balance. 
Nor, do I recognize the late payments associated with the following : XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am writing to inform you that Levy & Associates , LLC, a debt collector, has violated the Fair Credit Reporting Act ( FCRA ) in their efforts to collect a debt from me. 

According to previous court orders, the amount of debt owed is {$2800.00} to XXXX, and I am required to pay this amount directly to Levy & Associates , LLC. However, in their latest correspondence, Levy & Associates , LLC advised me to use a third party to schedule payment for the debt. This violates the court orders and is a violation of section 611 of the FCRA, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Furthermore, Levy & Associates , LLC has stated that the amount owed is {$2800.00} in their latest correspondence, a discrepancy of {$27.00}. This violation of the accuracy requirement under section 623 of the FCRA is compounded by the fact that Levy & Associates , LLC has failed to provide me with the necessary file number and other important information, as agreed upon in the closing letter dated XX/XX/2022 with XXXX XXXX Municipal Court. This lack of transparency and disregard for court orders is a further violation of section 611 of the FCRA. 

In addition, Levy & Associates , LLC has contacted me directly instead of my attorney, who has been designated as my representative in this matter. This violates section 805 ( b ) of the FCRA, which prohibits debt collectors from communicating with a consumer in connection with the collection of any debt if the debt collector knows that the consumer is represented by an attorney with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Certegy Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/2022 from XXXX XXXX XXXX in New York referencing a debt owed to Certegy Payment Solutions LLC, Reference number XXXX, Certegy XXXX XXXX XXXX. The letter references a payment made by me to XXXX XXXX on XX/XX/2022 with a check for {$7.00}. I know this check cleared from the statement I have from my bank. My bank has also provided me with a letter confirming the check and amount cleared. When I explained this to XXXX they referred me to Certegy. When I spoke with the representative at Certegy I was told I had to give them my driver 's license or some other form of government ID. This is personal and private information and I have no way of knowing this company is not perpetrating a fraud. On XX/XX/2022, I sent a certified letter to XXXX letting them know that my bank shows the check had been cashed. Additionally I contacted the XXXX company telephone number on my statement and they confirmed that the check had cleared. It appears to me from the response XXXX gave to the CFPB that they are no longer servicing this account and I should contact Certegy for further information. I contacted Certegy at the number provided by XXXX XXXX and asked them for an address where I could forward all the relevant paperwork including the letter from my bank stating the check they claim is outstanding has actually been paid. Certegy insisted they need my driver 's license but they are not willing to provide a physical address where I can mail all the information I have which clearly shows there is no payment outstanding to XXXX XXXX. Kindly have them provide a legitimate mailing address so I can forward the letter from the bank showing this payment was withdrawn and no debt collection is required by them. There are retail companies that rely on Certegy for clearance when a consumer makes a check payment. Since I write checks for my personal expenses, it affects my ability to shop at certain stores!

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 2023-04-11
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-20
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-12-20
Company: EQUIFAX, INC.
State: MO
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:
The following inquiries on my account is fraudulent and the credit bureau did not remove it when I disputed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Information belongs to someone else

Complaint:
Experian credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Experian has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Experian has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.

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 2023-10-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, an unknown individual was able to log into my mobile bank account and transfer {$5000.00} out of my account into another connected account this is not mines. 

I was in XXXX, Illinois for business at the time of this event. I went to make purchase, and my debit card was declined. By the time I realized money had been removed out of my account I immediately called USAA. I told them I did not transfer {$5000.00} and tried to reverse the transaction. They stated that once the transfer was created, that you could not reverse it. I only had + {$2500.00} in my account and USAA allowed my account to go into negative. I quickly, without hesitation transferred funds from my savings to zero out my account, change my passwords, etc as recommended. I filed 3 dispute thinking I would be able to get my funds back and USAA stated that there were no signs of fraud. 

My Friend, XXXX XXXX, whose account was connected where the " transfer '' went to stated that following my dispute his XXXX XXXX Account froze then closed his account. 

Since XX/XX/XXXX, USAA stated there is nothing they can do to get my {$5000.00} back, stated there were no signs of fraud even though 9 other transactions to my hacked XXXX account they refunded my funds back into my account. 

I have no clue where my {$5000.00} went and I need help resolving this issue. Someone was able to access my private bank account and move money out and put me through the most stressful financial issue I have ever been in, in my life and I need to exhaust all options so that I can get my money back and move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NY
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  Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$290.00} Balance updated XX/XX/2023 Original balance {$290.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation