BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: Army and Air Force Exchange Service
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 have sent an email per your directive in response to my CFPB complaint. I was informed when I called initially that I will receive a response within 7 days from the date I sent the email and now I am being informed that it will be within 90 days. I have disputed this item previously and you stated that it was verified. Was an investigation not processed from my initial dispute? My initial dispute letter to the credit bureaus is dated for XX/XX/2023. I initially wrote a letter to the credit bureaus disputing the account and informing them that I am a victim of identity theft. The debt is not mine. I have enclosed my Identity Theft Report and the letter that was sent to the bureaus informing the bureaus of this. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection.

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 2020-03-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 a transaction for {$830.00} was charged to my account in error. The account number on the check is the same as mine except for one digit. I informed the bank, Fifth Third, of  the error on XX/XX/2020 and was directed to contact the Dispute Department. They seemed to be treating this as potential fraud when in reality it is a mistake. I contacted their Dispute department again this morning, XX/XX/XXXX, but they still have not resolved the problem. A similar problem with this bank occurred a few years ago. 

They acknowledge that is an account number problem, but they seem to have some bureaucracy in place that prevents them for providing reasonable customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: OH
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 been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the Judge ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, Experian, XXXX and XXXX. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.

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 2023-03-21
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Please update this account : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXXXXXX XXXX XXXX advised us they could lower my mortgage. They took our information and charged us XXXX a month for the lowered payment but never paid freedom mortgage my lender. Now I am being evicted from my home..XXXX XXXX XXXX XXXX advised us we we not quick enough with paperwork they dropped the account but still accepted payments they never paid. They advised us to speak to our lender after asking us not to talk to our lender for 8 months. We have lost XXXX and our house because of this operation. And there is no help for a XXXX  father who lost his job and now must move.

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 2023-03-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
I have a XXXX XXXX XXXX  card that is not mine it showed up on my equifax report on XX/XX/XXXX I would like to remove this card from my file it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the XXXX ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, XXXX, TransUnion and XXXX. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.

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 2021-06-27
Company: Mr. Cooper 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: Account information incorrect

Complaint:
I entered into a COVID-19 forbearance agreement with my lender ( Mr. Cooper ) due to hardship experienced during the COVID-19 pandemic. I lost my job due to COVID-19 and could not afford to make payments at that time. I asked my lender repeatedly if this will have a negative affect on my credit score and they repeatedly said NO. At the end of my forbearance period, I made a FULL payment towards the loan and a few months later I sold the house and paid the mortgage in FULL. Now I am learning that the mortgage company lied to me and they DID in fact report all missed payment on my credit report. That was NOT what we agreed to at the time. I have tried to contact them but they are being unresponsive. 

Attached is a letter I received showing that the mortgage has been paid off in full. 

Mr. Cooper lied to me and this negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-07
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account is stating incorrectly on credit report previously account was stating as a collection, derogatory and charge off all at the same time with XXXX XXXX and XXXX XXXX was not reporting any data account on credit report. Requested to verify or delete as I do not recall having this account open. I did not receive any documents verifying debt as mine rather results to investigation came back still reporting incorrectly. Account is now removed from collection to back to a open account type. XXXX is reporting comments of collection yet records payments on payment history Stating as OK as agreed all the way from XX/XX/XXXX to XX/XX/XXXX with120 days late on XX/XX/XXXX where previously account had no history whatsoever. Completely forgetting to record payments on date last payment. XXXX is reporting consecutive charge off from XX/XX/XXXX all the way to XX/XX/XXXX as if it was some sort of payment method. Date last active is incorrect stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX by XXXX and XX/XX/XXXX by XXXX. This account is a total mistake there is no possible way that account can go from collection to back to an open account reporting no payments to adding payment history on one bureau and then the next bureau reports the whole opposite no doubt account is a mistake itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
this is for a XXXX XXXX credit card that was opened XX/XX/XXXX and closed XX/XX/XXXX but on my consumer reports its showing late payments in XXXX, XXXX and XX/XX/XXXX with a last payment in XX/XX/XXXX this account has been disputed many times to be resolved or deleted from my credit report i got deleted XX/XX/XXXX but for some reason its back reporting with late payments on both equfax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Debt Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been contacted by this company or did business with this company and now they on my credit report. There has been no communication they have given me by mail or phone. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Northstar Location Services, LLC
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:
To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} This agency Northstar Location Services is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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:
Been disputing this account for over a year now and it has not been removed after taking the steps to clear with company and bureaus to remove accounting which is unknown to me. Experian has not made it accessible for me to talk to a rep/agent to update or dispute even though I have sent certified mail protesting this account as well ... .no changes have occurred. 

DISPUTE SUBMISSION FAILED after I tried again to dispute accounting. 

XXXX XXXX Not mine or No knowledge of account Looks like you've already filed a dispute for this item Under Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

Still have questions? 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # 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 2023-08-24
Company: EQUIFAX, INC.
State: NJ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
attached is the letter i sent to the credit bureau XXXX I am writing to express my extreme dissatisfaction with the utterly erroneous information currently tarnishing my credit report, which I firmly believe is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Upon a comprehensive review, I have uncovered egregious inaccuracies in the following accounts : XXXX XXXX XXXX Account Number : XXXX Status : Collection XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed and Paid Off XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX Account Number : XXXX Status : Collection I assert vehemently that the reporting of these accounts is not only incomplete but shockingly inaccurate, constituting a severe breach of the FCRA. Accordingly, I demand the immediate and unconditional removal of these accounts from 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 non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: IN
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. 


Account Name : XXXX XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Old information reappears or never goes away

Complaint:
There are multiple inaccuracies being reported on my credit report and I have disputed them all through XXXX and Equifax along with the creditors. I have supplied my bankruptcy discharge paperwork that listed these specific accounts, and they keep re-appearing and damaging my credit. 

The credit bureaus keep stating that this information is " accurate '' but it is not. These accounts were all included in bankruptcy, and they keep getting removed and then re-appearing after a few months with a new creditor, but they are the same account, and the process starts all over again. 

XXXX XXXX XXXX : {$3200.00} through something called XXXX : This account is not correct because I have NEVER had them. I called XXXX and they failed to produce any proof that this account is mine. No contract, proof of my ID, proof of my address, absolutely nothing. In addition, they claim the account is from a period prior to my bankruptcy, which means this debt is included in the discharge and shouldn't be on my credit anyway. 

The following other creditors have been notified multiple times about being included in my bankruptcy and they have failed to stop reporting the debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief