BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX credit cards on my credit report. These cards are being reported as charge offs and/or collections. This is affecting my ability to obtain a much needed loan. I have contacted the credit card companies and they claim to have verified the debt. I don't know how they could verify the debt when my social security number was used to obtain the cards but at an address that I have never lived at. My social security number is connected to to my current address which I have been at since XXXX. I have filed a policy report with the XXXX Sheriff 's Office Case # XXXX. XXXX XXXX XXXX XXXX was taken out on XX/XX/XXXX using the address XXXX XXXX XXXX, XXXX, XXXX XXXX, the balance is {$980.00} I have never lived in Georgia and Social Security and my tax returns prove that. XXXX XXXX XXXX XXXX was opened on XX/XX/XXXX the balance is XXXX. This card was opened under my maiden name of XXXX. I was married and changed my name in XXXX, again proven by my tax returns and social security number. The next account is XXXX XXXX taken out XX/XX/XXXX with a balance of {$980.00}. Again, this is not my account and I am not responsible for this bill. My identity was stolen, my social security number has been compromised and these banks are NOT verifying the person who is making the online applications.

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 2017-05-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX   XXXX ,  2017  I had fraudulent charges on my   XXXX   XXXX     XXXX   XXXX   XXXX   Credit Card in  XXXX     2017.   The fraudulent charges have since been removed from my account by  XXXX , but a false address and telephone number were also identified in the account. I personally corrected the false information in my credit card account, but noted the false address associated with fraudulent activity now occurs in my Experian credit report. After contacting Experian twice, they finally indicated they would remove the fraudulent  XXXX , Florida address ( I have never lived/worked in Florida  ). However, Experian later emails me Dispute Results ( twice total so far ) and both times the d ispute does not even acknowledge the dispute ( the fraudulent Florida address ), but instead cites deleting a telephone number completely unrelated to the fraudulent activity.  FYI. T he  XXXX  fraud unit is currently still active with my fraud complaint.     I want the fraudulent address removed from my credit reports asap.     Any help would be appreciated.

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 2023-03-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have reviewed my credit report and found that the following information is incorrect and/or incomplete. Please investigate and verify the accuracy of this information as required by the Fair Credit Reporting Act ( FCRA ). 

US DEPT ED Account Number : XXXX According to my credit report, there is a negative item associated with this account. However, I would like to request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. If there is an error, please fix or delete this account from my credit report completely. 

XXXX XXXX Account Number : XXXX I have noticed that there is a negative item associated with this account. However, I have no record of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this harmful incorrect data immediately from my credit file. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX - This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX -This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX- This employer belongs to someone else. I request that you delete it from my credit report immediately. 

The following personal information is incorrect Account Number : XXXX XXXX - This employer belongs to someone else. I request that you delete it from my credit report immediately. 

As per the FCRA law, I am entitled to a response from you within 30 days of your receipt of this letter. I kindly request that you complete your investigation and provide me with a written response within this timeframe. I also request that you notify all credit reporting agencies that you have contacted regarding these errors. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I've attempted numerous mail-in disputes to resolve these negative delinquencies regarding my Experian account, but still, nothing has changed. XX/XX/2020 I received an email from EXPERIAN at XXXX XXXX stating that I was on a 6-month payment streak, but yet the reported negative remarks on my account state something entirely different. Additionally, the majority of, if not all my positive payment history doesn't even show up for ANY of my prior personal/auto loans, so that doesn't help my score average out at all. In a nutshell, literally, almost nothing on my EXPERIAN file is reported accurate other than possibly the 3 latest instalment accounts I opened since XX/XX/2020 attempting to ease this significant burden during this pandemic. What's ironic is I actually have a screenshot of my XXXX XXXX profile on my app from XX/XX/2020 stating I'm 59 months CONSISTENT on my payments.

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 2018-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the company several times trying to figured out exactly what this matter is and but before they would give me any information they want me to give them my full social security number over the phone which I am not comfortable with doing. There are two accounts listed with this company and they wont do anything but tell me I have to pay or the next step is court. Ive disputed these two accounts with all three credit bureaus however it remained on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im out of the country and for some reason PHH website does not allow me to login from another country. I cant call them on the phone because I dont have a phone that I can call to the United States XXXX 
I have sent a dozen emails in the last three days trying to get my billpay set up on my new checking account with XXXX XXXX. I dont have the actual account number as everything has been done automatically for years. I have already closed. My XXXX account. PHH is making this impossible for me to send them payment. I can not pay them with a check because I dont know my account number and even if I did have a check, I wouldnt send it from another country. This is insane.!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: OH
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 have a screen shot of my account before I closed it just recently showing I was not past due and yet on my report it says I'm past due and hasn't been updated since XXXX XXXX. I disputed 2 or 3 times and XXXX  keeps telling them its up to date when it is not up to date and I also have proof. And I want it off my credit report now. Please.

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 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX for Transunion Inquiry from XX/XX/XXXX ... Transunion XXXX XXXX Inquiry from XXXX XXXX, XXXX - Transunion XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX Inquiry from 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 explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: FL
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 contacted Equifax via mail and phone 4 times via phone and mail regarding these several unauthorized inquires on my credit report. I advised Equifax that I was a victim of identity theft and these multiple inquiries were not mines and not made by me. Equifax advised to send a FTC report, which I did but inaccurate inquires still remain on my report. I sent the fraud letter that I received from the Department of Justice, I sent multiple dispute letters, Ive called, Ive even filed two FTC reports, yet these unauthorized inquiries remain on my report. Both XXXX  and XXXX has removed these inquires from my report however Equifax wont. Are they above federal law? Do they just get to do what they want with consumer credit reports? THIS IS NOT FAIR THAT I HAVE TO BE PUNISHED FOR FRAUD.. FCRA SAYS ALL INACCURATE INFORMATION ESPECIALLY FRAUD MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
There is an inquiry on my Equifax report which do not belong to me. 
This is my 2nd attempt to have this removed. 

I demand the following fraudulent Inquiries be deleted from my Equifax credit report immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX/XXXX  - XX/XX/2021 I contacted the Federal Trade Commission and filed a FTC complaint which is attached. 
I have also attached proof of identity and address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
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:
In accordance with the Fair Credit Reporting act Public Records Reported on 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: 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, 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 XXXXXXXX, have 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.

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 2020-03-13
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:
I've received a current credit report from your organization. After reviewing the different records, it's clear that the following accounts appear with no regard for accuracy as needed by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: FORD MOTOR CREDIT CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ford Motor Credit  is deliberately evading my complaints. I have provided them with my information directly and through each of the major credit reporting agencies. I included copies of my credit reports when complaining to them directly. Each time they verified their reporting without demanding more information.  <P/> I then complained through this forum, and they responded with the outright misrepresentation that they could not address my complaint because they were unable to identify me. This time they insisted I provide my social security and my account number and did not address the merits of my dispute.   You responded by closing my complaint, thus allowing them to evade any review at all by you. This is an outrage! How impotent can the Bureau be???  <P/> The CFPB is useless if the company may blatantly lie and say they ca n't identify the consumer and that 's all that needs to happen for you to close and them to dispose of the dispute. Even if you ignore all the information I 've provided the company directly, through you I provided my name, address, email and date of birth, which is more than adequate for a 3rd grader to figure out who I am.  <P/> Lastly, I do n't know the " account number ''. My original complaint is that I do not know what this is about! If they can not tell me and match me up with a valid account number, their legal obligation is simply to remove the tradeline reporting it. Shame on them for giving me the run around and shame on you for not fulfilling your purpose and even trying to stop it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
SQUARE, INC. deactivate my online account and said " Any funds currently in your account will be frozen for a period of 120 days, and are due to be released after XX/XX/2023. 

While I answered a 20 questionnaire after the transaction explaining the surroundings of the transaction, provided proof of documentation of my business, and other request a documents, in good faith, they still refused to release the funds. 

Also, at the time of the transaction, the customer signed and agreed to pay that amount to me ( my company ) still Square inc is refusing to release the funds, without any explanation. They have refused to reach out to the customer to get verification that he authorized this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: AL
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:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX  ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for a credit card from Avant and was approved. I later received a notification that the credit card was activated, and I can now use my card. I immediately called them at XXXX and told them I had not received the card yet, so I did not activate it. I was transferred to the fraud department, and they froze the card and issued a replacement. I spoke to a male a few days ago who said he is an investigatorI explained to him that I did not receive the credit card and had no idea who could have made the charge. I asked him how someone could activate it and use the card without my information. I don't remember if he responded to my question. I was checking the due dates on my cards and noticed a similar charge on the Avant account again. I called customer service and was told the amount was returned to the bill because the investigator deemed that I was responsible for the charge. How can I be held accountable for a charge on the account when I never initially received the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: NAVY FEDERAL CREDIT UNION
State: AL
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: Information belongs to someone else

Complaint:
My bank accounts where compromised I reported it in a timely manner and even though my accounts are FDIC insured they are still trying to hold me liable for these charges navy Federal credit union is the bank I bank with they have been investigating this issue since last year and I still have not gotten a response they have took my whole paycheck in XXXX to pay on these compromised accounts XXXX and some odd dollars Im asking that you investigate this company and dispute this charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The 3 credit bureaus aren't investigating disputes. I file a dispute about 7 missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.

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