BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: Webcollex, LLC
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TD BANK US HOLDING COMPANY
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 received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX  XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from TD Bank USA/Target C XXXX XX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX  XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank 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 XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: CT
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 is reporting my loan account, issued by XXXX, a balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact XXXX did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal XXXX does not take into account credit score when granting loans. It appears XXXX has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at XXXX as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, XXXX services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, XXXX continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what XXXX is doing is legal or not. I request XXXX to close account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 2021-11-11
Company: SYNCHRONY FINANCIAL
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

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 2023-09-15
Company: Experian Information Solutions Inc.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023

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 2019-09-09
Company: Checkr, Inc
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This company gave an potential employer wrong information. Said I was convicted of a XXXX in 2014. What the XXXX!!! Not true. That is not good at all. XXXX XXXX XXXX. On XX/XX/XXXX I received an email from this so called what ever company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: FACTUAL DATA CORP.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
in applying for mortgage the company pulled credit reports fro XXXX XXXX XXXX and XXXX. all good, they also pulled factual data that lists a judgement from Indiana from XXXX. I have not lived in Indiana since XXXX and never was notified of a court proceeding. I think that this is either fraudulent or incorrect and it has caused problems with obtaining a mortgage. How can I get this removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: CT
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 is reporting my loan account, issued by XXXX, a balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact XXXX did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal XXXX does not take into account credit score when granting loans. It appears XXXX has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at XXXX as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, XXXX  services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, XXXX continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what XXXX is doing is legal or not. I request XXXX to close account at this time.

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 2023-09-15
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXXXXXX credit card and I opt in a program that if finical hardship happens that they will quit charging you and work with you to pay debt off that you have but they keep on charging me for late fees and payments they tried to take out my account that were reversed. And my credit was already hurt from them and I just got it back up and now the Midland debt collection company just added the same account back to my credit report and dropped me down to a whole different rating from fair to poor and I told XXXX XXXXXXXX multiple times that I opted in their program and after the balance reached the current amount did they stop charging me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX CT XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2023-08-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 2023-08-08
Company: EQUIFAX, 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:
Subject : Disputing Information in Credit Report Hi I have been a victim of identity theft I resubmitting my paper as a plead for help, I have not had a car note in 10 plus years I have had one fraudulent car note remove already before that was not mine. This alloy bank has been a nightmare I have told them someone has stolen my identity and got a car not they have been making the payments with a fraudulent business bank account to cover there tracks I have attached a police report with the names of the bank accounts from XXXX XXXX XXXX  and XXXX XXXX. PLEASE REMOVE THIS fraudulent account. i have also reported the car and loan to the police. with those reports attached to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a XXXX dollar mortgage because interest rates and inflation along with high cost for childcare and diapers and everything that comes with having XXXX children. I do not qualify for a income driven repayment plan that is suitable because I make XXXX a year and my husband makes XXXX but with the mortgage, child care and inflation, when I did the income driven repayment it put me at XXXX when the original payment was XXXX. And then this loan divided all my loans and all the interest rates are different from 5 % to 2 % and it is supposed to take ten years of XXXX to pay XXXX off which makes no since. The payment plans should account for mortgage, current debt, children, and area of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
Identity money laundering forgery XXXX XXXX XXXX XXXX state to state loans of all sorts contact Texas FBI XXXX division and XXXX XXXX police department XXXX XXXX sheriff 's office look for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx and other people as well.

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 2021-07-20
Company: ENCORE CAPITAL GROUP 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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 

2. Identity Theft 01 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-09-05
Company: EQUIFAX, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: PA
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 have continuously been submitting letters to both creditors and all 3 bureaus over 5 times in a matter of over 120 days and nothing has been resolved. XXXXXXXX XXXX XXXX  XXXX have gone against my consumer rights and I demand every item on my report from both agencies be deleted before I file a law suit.

Company response to consumer: Closed with explanation