BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response. I feel as though I'm being taken advantage of and ignored about the disputes I presented. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress endured from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 explanation
Consumer complaint received 2022-03-20
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: Old information reappears or never goes away

Complaint:
XXXX is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by XXXX is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, XXXX, Equifax and this criminal company XXXX MUST NOT list my personal phone number in my credit report at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: FORD MOTOR CREDIT CO.
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortagae and I was going through XXXX  to help pay my balance and they still sent me foreclosure letters and threatening my home even when I'm involved in that program

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I filed a dispute overe the phone, also sent them proof ' never resolved the matter Its like the doing fake investigation. Sold a debt to this company ( XXXX XXXX XXXX XXXX ) I sent proof that the company Does Not DEBT COLLECT Licenses in the State of debt which is Georgia. I attached proof to my file

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 2023-02-06
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX ALSO KNOWN AS EASY AXXXX XXXX XXXX  IS BEING ALLOWED BY EXPERIAN CREDIT REPORTING SERVICE TO REPORT ON AN ACCOUNT THAT HAS BEEN CHARGED OFF KNOWING THAT UNDER FCRA 623 THAT THIS CONDUCT IS ILLEGAL.

HERE IS THE LAW FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures I HAVE TOLD EXPERIAN NUMEROUS TIMES THAT THIS ACCOUNT HAS BEEN CHARGED-OFF SINCE XX/XX/2021 AND THA TTHE INFORMATION BEING REPORTED IS INACURATE. THE FACT THE EXPERIAN HAS NOT REMOVED IT FROM MY CREDIT REPORT IS ILLEGAL. 

THE FACT THAT EXPERIAN HAS NOT REMOVED IT IS PUNISHISHABLE BY LAW AND IF NOT REMOVE I SUFFER FROM SUSTAINED DAMAGES.

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 2021-12-05
Company: AmerAssist A/R Solutions, 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: 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 on 30 days and i have yet to receive any investigation results regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: NV
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:
On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please 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 explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: LA
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 two accounts which first of all were closed in 2016 AND ARE NOT MINE AND HAVE HAD DOCUMENTATION TO PROVE SUCH!! Funny thing is, Im trying to buy a house now, and all of a sudden the information has the dates being closed 2 years ago and 2 1/2 years ago respectively! This is XXXX and I will be contacting the ombudsman because first theyre not legitimate charges and secondly who in the XXXX  $ & do yall think tou are???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 a " Refund to Borrower '' in the amount of {$700.00} shows on my loan activity from my escrow account. I never received the check for {$700.00}. They now say that the money was refunded into my escrow account, but the balance sheet does not show {$700.00} returning to the account. I have called several times and they say they will look into it and get back with me. I have never received a call back. Every time I call they say they have to research it in a department that doesn't take incoming calls, or the wrong work order was made and they're redoing it. This has been going on for 3-4 months, because they say I have to wait 3 weeks to receive the check. So I wait, it never arrives, i call back and the excuses begin again. 
In the online portal I can clearly see the money was distributed from the escrow account and to date never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
<FORMER ADDRESS> XXXX XXXX XXXX XXXX, # XXXX. XXXX AZ. XXXX XX/XX/18 I have never in my entire 61 years lived in AZ. 
I have lived in XXXX XXXX XXXX XXXX XXXX XXXX and XXXX but never ever AZ.

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 2023-04-16
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On ( XX/XX/XXXX, XXXX and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : XXXX Account # XXXX 15 USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer. In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated 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 2022-11-28
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: Account status incorrect

Complaint:
XXXX  XXXX XXXX A Reported : XXXX XXXX, XXXX - incorrectly reporting as *charged off as bad debt and sold to a another lender*. THIS WAS PAID IN FULL IN XXXX OF XXXX. I've made multiple requests for evidence of the charge off /pay history for which there has been no response for more than 60 days. Please delete the account in entirety or update the account information to PAID IN FULL. I've included a copy of my drivers license and bank statement as proof of payment.

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 2023-10-06
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: Account information incorrect

Complaint:
For the past several years I have been monitoring my consumer credit report with Equifax and have come to believe that Equifax is artificially suppressing my XXXX score. 

Currently, there are no delinquencies, collections, or judgments on my account. As a consumer, I have XXXX latepays in over 24 years. However, over the years my XXXX score consistently lagged at least XXXX lower than other reporting agencies. 

What's worse is that recently, in the past 60 days, my score dropped XXXX points from XXXX to XXXX. Despite the fact that I recently paid off a personal loan. 

Among the reasons they provide as an excuse for the low FICO score is : - Their claim : " The date you opened your oldest bankcard or credit card account is too recent ''. 

- My reply : This is inaccurate, my oldest credit card is XXXX XXXX XXXX. 

- Their claim : " Total balances too high on delinquent/derogatory bankcard or credit card accounts. 

- My reply : My report contains no delinquent or derogatory bankcrard or credit card accounts. Although my credit utilization XXXX be higher than average, this typically amounts to a drop of a few points. Not XXXX within 60 days of virtually no change in utilization. 

- Their claim : The balances on your accounts are too high compared to loan amounts. '' - My reply : My loan payments are commensurate to the terms set by the loan agreement. If I have no late payments or delinquencies, it is none of Equifax 's business or place to harm me based on what they think my balance should be. As long as the lender is reporting my payment history accurately, that is all Equifax needs to worry about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: DISCOVER BANK
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am victim of idenity Fraud and someone stole about {$100000.00} from one of my secure account in XXXX XXXX being not used for any purpose after opening it. Bank tried to recover money from all banks after sending fraud recovery request. All banks returned the money except one, Discover Bank. When I notified about illegal or unauthorized activity to Discover bank, they recognized, and their investigation concluded that account was not opened by me using my SSN, address and Name. They also sent me letter confirming their investigation. However, when XXXX XXXX  sent fraud recovery request to Discover Bank, they have responded back in contrary to their investigation, stating that the transfer was legitimate and denying the request. This is fraudulent. When I am contacting XXXX XXXX they are asking me to contact Discover Bank and ask for money. When I am contacting Discover Bank they are not willing to talk with me as stating account is not opened by me and so they would not talk to me. After repeating the try, I was able to talk to the fraud department of the Discover Bank, they said, they have completed their investigation and I should be contacting my bank ( XXXX bank ). Basically both banks are bouncing me back and forth. It seems Discover is playing to avoid returning money taken from my XXXX account. I need to resolve this and need help resolving this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 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.

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 2021-03-12
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I rented an apartment from XXXX for one year. XX/XX/XXXX - XX/XX/XXXX. Upon move out they kept my deposit and charged an additional {$700.00}. I never knew what the charges were for, and when I called the office because I had gotten a notice that it was in collections they would not talk to me. Now IQ Data is reporting as a collection, when it was never validated. I requested for receipts and proof that they did not replace carpet in all units upon move out, and I never received anything. I do not feel the charges are legitimate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: KS
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 am submitting this complaint to you because Equifax has reinserted previously deleted informationfrom my credit report and failed to notify me in writing. It is my understanding that under the FCRA the following is required : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information  certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. I sent Equifax a dispute about the debt being reported by the collection agency, XXXX XXXX XXXX. In response to my dispute, Equifax removed the collections from my report. They then reinserted the same collections without notifying me. They never notified me as to why the item was reinserted after they deleted it. I am uploading a screenshot showing the dates the items were deleted from my Equifax credit report. This complaint pertains to the following collections showing on my Equifax report : XXXX XXXX XXXX - {$520.00} XXXX XXXX XXXX - {$990.00} Account XXXX XXXX - {$1300.00} XXXX XXXX XXXX - {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-04-18
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX violated FCRA 15 USC 1681b permissable purpose of a consumer report. showing a late payment on XX/XX/21

Company response to consumer: Closed with explanation