BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: MS
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 submitted a complaint to the CFPB in response to Equifax completing an investigation about incorrect information on my consumer report. I asked the corporation to send me a description of the investigation they had conducted concerning the incorrect information. Reference number XXXX. I have not received those results for that investigation. Equifax is defaming my character and my credit worthiness. The incorrect information is still reporting. I have already filed XXXX complaints with the CFPB against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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:
I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- Orange County sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX 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 explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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:
In accordance with the FCRA account # XXXX, XXXX, Opened XX/XX/2021 has violated my rights due to the following : [ 15 U.S.C 1681 ] section 602A - States that I have a right to privacy.

[ 15 U.S.C 1681 ] Section 604 A, section 2 - states a consumer reporting agency can not furnish any account without my clear written instruction.

[ 15 U.S.C. 1681a ] Section 603, Section 2A, Subsection ( iii ) - communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information. may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There was improper use of credit reporting, I have recently notice several fraudulent inquiries on my report one happening on XX/XX/2023 XXXX XXXX and one on XX/XX/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 2022-10-11
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:
In accordance with the FCRA account # XXXX, XXXX Opened XXXX has violated my rights due to the following : [ 15 U.S.C 1681 ] section 602A - States that I have a right to privacy.

[ 15 U.S.C 1681 ] Section 604 A, section 2 - states a consumer reporting agency can not furnish any account without my clear written instruction.

[ 15 U.S.C. 1681a ] Section 603, Section 2A, Subsection ( iii ) - communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information. may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2021-06-21
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During COVID, I couldn't make my mortgage payments. I was in contact with New-Res the entire time. This wasn't supposed to hit my credit report negatively due to circumstances out of my control. It was still reported to my credit as several 30 day lates and a 60 day late. the dates were XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 for the 30 day lates and XX/XX/2020 for the 60 day lates. this has made my credit fall when these never should have hit my credit report. I have since caught completely up and fixed everything needed with the world coming back on line, but I shouldn't suffer from things out of my control with COVID. It was hard enough to get through this and I shouldn't have additional penalties now on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: OH
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 1681. 

In accordance with the Fair Credit Reporting act. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX Account number XXXX XXXX Account name XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is not my name " Formerly Known As XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am having an issue with FedLoan Servicing. My account was closed due to loan consolidation back on XX/XX/XXXX. This account is still showing derogatory events on my credit report from XXXX ( my father passed away in XXXX of XXXX and I was still not working ). This negative account is destroying my credit. 

I reached out to FedLoan servicing back on XX/XX/XXXX to try and resolve this, and I had asked for it to be removed completely from my report as it is causing issues ( noting that I'm currently in good standing with the Dept of Ed/XXXX, and have been for years ). The representative logged my dispute and sent me an email containing a XXXX XXXX Dispute Form, which I promptly filled and returned via mail to FedLoan Servicing, XXXX. XXXX XXXX, XXXX, PA, XXXX. This was sent on XX/XX/XXXX and I have not yet as of today XX/XX/XXXX received any response ( regarding the removal of the incorrect information, or otherwise ). 

Attached is a copy of my FedLoan Servicing Account Details from MyFICO. There is a {$0.00} balance shown however this account continues to sit on my credit report with a 120+ day delinquency, absolutely ruining my credit score, and it appears there is no resolution in sight as they refuse to even communicate with me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CBM Services, Inc.
State: PA
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2018-12-18
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XXXX I applied and was approved for an American Express Delta Gold card through a link that offered XXXX reward points if I spent {$1000.00} within 3 months. I spent {$1000.00} within the first 3 weeks and have been waiting for a few weeks to have the bonus points loaded to my Delta account. Today I called Amex to see why there was a delay they said there is no bonus listed on my account and the gentleman I spoke with said hed file a report. The issue is Ive already been waiting a while and need to book a specific flight and he told me the team that investigates take 6-8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-06-21
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX never enter any consumer credit transaction with IDEAL COLL for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By IDEAL COLL obtaining my personal information without my consent they have committed fraud and identity thief which I have attached my FTC complaint. IDEAL COLL furnishing this allege debt to my consumer report as if I owe something and now they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can not do business with anybody else due to IDEAL COLL reporting this allege debt to my consumer 's reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have sent the credit collection company numerous phone calls, emails, and written disputes. I have a collection reporting that is not mine for a XXXX account. I have a police report for the identity theft. I never lived in Virginia where this account was created. 
I included my lease where I resided in 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 2019-12-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had pay my debt down considerably over the 2 year period. Made all payment on time and paid more than the minimum payment. At the end of the year I notice my statement was back up to the maximum amount of my available credit, so I called to see what was going on, since I had not been to my XXXX, and this was the only thing this card was ever used for.I was told, there were two " promotions '' that expired and I was now being charged a deferred interest beginning from when I first signed up for this service? Mind you I was in the XXXX  chair, new nothing and was only told on the phone it was an interest free for 18 months program! Nothing was mentioned of the deferred interest as no one would play that game. This company is abusing consumers. Of course the person you get at the call center is just a person paid to answer the phone. They are very reluctant to even put you through to a human.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Based On, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2019-12-27
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: Account information incorrect

Complaint:
Today upon checking my credit report on XXXX  XXXX  my score decreased significantly because equifax reported that my XXXX  MasterCard increased by {$4000.00} this is completely incorrect my balance did not increase by that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-09
Company: Bursey & Associates, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Bursey & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in response to your letter I received on XX/XX/XXXX. The letter is dated XX/XX/XXXX. Your letter is in response to my validation dispute letter i sent your Lawfirm. 
I have attached the letter for reference. The information that was provided to me does not validate ownership. The information provided were statements that were sent to an address I did not reside at and contained many errors. I do not acknowledge the debt to be valid. The statements From XXXX XXXX Bank, XXXX is not proof that the debt Was assigned to me. There is no signatures or contracts to validate ownership. In addition, the other document you provided was the documents where the debt was purchased by your law firm. The dates on the accused debt is from XXXX. This date exceeds the statute of limitations for collecting this type of debt. Per the Fair Credit reporting act, your law firm is also in violation. I have suffered identity theft and have reported it to the credit bureau and have had other fraudulent credit items removed due to this. In regards to the accused debt from XXXX XXXX Bank Famously you Rewards. The statements provided again were being sent to an address I did and do not reside at. I do not acknowledge this debt to be valid. I am however grateful to have proof to send to the credit bureaus as I can prove my residency dates to further dispute these dates on the invalid fraudulent debt. Please do not continue to contact me or pursue any court actions as that is a violation of the FCRA. I have researched your law firm, as many other complaints have been made due to bullying and scare tactics, with court documents to create fear or hoping to obtain default rulings for those who simply dont know what to do and end up with invalid garnishments. This is in violation of the FCRA! Please cease and desist contacting me and drop your court proceedings as your findings are false. Providing me with documentation that contain inaccuracies is not valid proof of the accused debts stated in your response letter. I will be reporting your firm to the Federal Trade Commission due to your violation. Do not contact me again with your large packets of inaccurate documents used to intimidate or bully consumers with your scare tactics. I do not acknowledge these false accusations or documents that contain many inaccuracies. 

Cc : XXXX XXXX XXXX XXXX of the state of Arizona in XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's 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