BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-29
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: Their investigation did not fix an error on your report

Complaint:
I check my credit reports periodically to ensure they are correct. When I checked my report a couple months ago, I noticed that XXXX had sent me to collections, saying that I owed them {$91.00}. I knew this to be incorrect. Though I had had accounts with XXXX in the past, I was very careful each time to pay the account in full, at the time of closing, and leave a forwarding address in case anything came up. I never received a call, email, or letter from XXXX regarding any outstanding debt and I was verbally assured by a XXXX representative that I had no outstanding charges at the time of the account closure. 

So, I disputed this negative account through all three credit bureaus. XXXX  and XXXX  investigated and promptly removed the error from my report. Equifax however, allegedly investigated, but chose not to remove this negative account from my report. When I contacted them by phone to resolve the matter, the rep I initially spoke with refused to take any action on the matter. I asked for a supervisor and the supervisor agreed to open another dispute, on my behalf, and to make it a point to mention the fact that this account had been removed from my report by the other two credit bureaus. 

I then received an email, after roughly two weeks had passed, letting me know that the new dispute had been completed. When I checked the status, via Equifax 's online portal, I saw that they still had not removed the error from my report. 

I'm filing this complaint because Equifax did not do their due diligence in investigating the matter and they did not provide me with a reason as to why they did not remove the error from my credit report, as the other two bureaus had done. Furthermore, XXXX had no legal right to send me to collections as I did not have outstanding charges with them, nor did they make any attempt to contact me, which they could have easily done via the contact information I had provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: TN
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:
Inaccurate reporting, please delete this unverified account 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 2021-11-11
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AD ASTRA RECOVERY SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Below are the accounts that are reporting on my Credit Reports : 1. AD ASTRA RECOVERY SERV XXXX Opened XX/XX/2019 Balance {$850.00} ; 2. AD ASTRA RECOVERY SERV XXXX Opened XX/XX/2019 Balance {$210.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Account information incorrect

Complaint:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX account also known as XXXX XXXX XXXX in a Charge-off status and past due balance estimated to be {$10000.00}. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number : XXXX XXXXXXXX, 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. 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

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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I WAS CHECKING MY CREDOT REPORT AND i REALISE THAT MY CREDIT SCORE IS LOW. I DONT KNOW WHY YOU PUT THIS INFORMATION ON MY ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 : I was a victim of a XXXX scam. The scammer posed as one of my friends from high school and created a XXXX XXXX. The XXXX posted stated that he received a promotion and therefore is selling furniture and other items. I inquired about an item that was for sale and we agreed Id purchase these items for a deposit of {$350.00}. I sent the {$350.00} through Zelle on my XXXX XXXX XXXXXXXX XXXX app to who I believed was my friends wife. Shortly after sending that money I read comments from mutual friends under the original post and realized I was a victim of a scam. I felt used and so sick to my stomach. I was taken advantage of. I immediately called my bank to report the incident and take the next steps to get my money back. I also did my best to protect others from this scammer by reporting the zelle recipients email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I purchased a camper and XXXX XXXX assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped XXXX points and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or XXXX late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is treating a mortgage account as a regular line of credit. 
This practice is causing my debt to credit ratio to increase. 
I took a home equity line of credit to update my house. Each time I use the home equity, since they dont treat it as a mortgage, the debt to credit ratio increases. I intend to use the full loan to upgrade my home. When I do, my debt to credit ratio according to them will be 100 %. I was denied credit by XXXX XXXX because of this. I spent hours so far trying to get them to use this as a mortgage like XXXX and XXXX are doing. 
This practice by experian cost me money in denial of credit and higher interest on current line of credit. This practice caused me XXXX of lost hours with waiting in line for my phone call to be answered and have the communication dropped. 
This practice caused me griefs and frustration. 
I am a XXXX veteran with XXXX and this situation has taken a toll on my every day health.

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 2023-03-17
Company: EQUIFAX, INC.
State: MD
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:
under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. The entire amount is holding monies for the entirety of the debt to be paid off. Also, I have not given written permission for this debt to be shared with any other 3rd party. 

Account Name : XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been a XXXX XXXX resident since year XXXX, and have been at my current address since XXXX. Someone who carries a fixed XXXX, TX address opened or constantly tried to open credit cards in my name since XXXX. This person repeatedly accesses and modifies personal information on my credit file from all three credit bureaus, online, by phone or by mailing fraudulent documents to the credit bureaus. 

Despite all the tremendous efforts I have made by filing police reports, filing FTC reports, calling creditors, calling and mailing to all three credit bureaus to dispute and add security measures to my account over the past years, in XX/XX/XXXX, this same person was able to have a few creditors access my credit report from TransUnion, and have one creditor leave a hard inquiry on my XXXX report. Upon being notified by credit monitoring services regarding these un-authorized activities, I called TransUnion to report and to get the issue resolved. As the result TransUnion added a new security question when someone phones in to try to unfreeze my credit report, while locking my online access. XXXX on the other hand explained to me that the recent hard inquiry was an attempt only and it can be removed when requested documents are provided to them. I hope my credit reports can stay secure however it will not surprise me if the fraud happens again.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-19
Company: EQUIFAX, INC.
State: KY
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:
By filing this CFPB complaint, I, XXXX XXXX, am informing the credit reporting agencies that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX This company is not authorized to collect debt in Louisiana. I asked the company to verify the debt and they sent a hospital bill. I 'm requesting validation that the debt belongs to me and also proof of license in the state of Louisiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Account information incorrect

Complaint:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$20000.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and XXXX XXXX is listed as the creditor. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Cascade Capital, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a record of my transactions with Cascade receivables managment LLC. 
In XXXX of XXXX I received a letter from Cascade claiming I owed a debt to them for a medical procedure I had back in XXXX. I contacted them by phone and spoke with them. I explained that I was sure I had paid the balance down to nothing. I then looked through old receipts until I found a screen shot that showed the account no in question had been paid in full. The screen shot is from almost a year after I had the medical service which corresponds to the fact that I had been making payments on that account until I had paid it off. I provided a copy of this to them in an email sent to one of the managers that works for Cascade.The email was dated XXXX XXXX. They never provided any response. On XXXX XXXX they called and acted as if I had not been in touch with them. They were attempting to collect the debt all over again and asked for payment. Cascade has not been able to provide any official record of the debt, and are asking for payment on an account that I can prove has a XXXX  balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: VA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } has listed { negative listing } on my CHEX SYSTEM file. To my knowledge, I have never had account with { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX } be permanently removed from my CHEX SYSTEM report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA 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 2023-03-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I have sent letters to the credit bureaus but I have not been notified of the status of the disputes so far. 

According to the FTC they have a maximum of 45 days to respond and they have not done so. 

I have negative items affecting my credit score and they have not been corrected. 

I am attaching the proofs of the letters that I have sent to the 3 credit bureaus.

I appreciate your prompt communication thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: U.S. BANCORP
State: NV
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:
Call from US BANK, told me they were calling for a transaction. The automated system that called transferred me to customer service who then sent me to fraud, fraud asked me every question under the sun, including my unborn. They then sent me a XXXX time passcode and called me a fraudster because her system locked out and her manage told me that your system doesnt work half the time until they send the code. So youre telling me you send XXXX out to customers and half the time they work and the other half they dont? Sounds like you have an internal security issue and Im sure my lawyers would love to hear about how our data is being misused by your company and not Fully secured and protected because your system wants to work when it decides to. How many customers data has been breached? Im sure the XXXX, would have a field day learning about this when I expose it on national TV.

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