BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
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 am writing to file a complaint regarding the inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received any response from Equifax regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address and rectify this issue. 
I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Issue : This account does not belong to me, and I request that Equifax removes it from my credit report. 


Account Not Mine Account Number : XXXX Company Name : XXXX Date Opened : XX/XX/XXXX Past Due : {$0.00} Issue : This account does not belong to me, and I request that Equifax removes it from my credit report. 


Account with Incorrect Late Payment Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Equifax corrects this inaccurate information on my credit report. 


Account with Incorrect Late Payment Account Number : XXXX Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Equifax corrects this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: WV
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:
After receiving my credit report, there are multiple US Code has been violated by this reporting, XXXX. 15 USC 1681 ( a ) ( XXXX ) Infringed Upon a Consumers right to privacy XXXX. 15 USC 1681b ( a ) ( XXXX ) No Permissible purpose/ No written instruction 15 USC 1681a- ( XXXX ). " Congress says in order for you to have conducted an investigation you have to have Spoken to neighbors, friends or associates etc and if they spoke with them the information provided can not be factual ''

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 2022-09-09
Company: Click n' Close, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back on XX/XX/XXXX I contacted my lender midamerica mortgage and let them know I was having an issue to pay my mortgage. She said she would send me a form for loss mitigation which I didnt really know what that was. It my job had a COVID outbreak back and XXXX and my restaurant was closed and when we came back hours were limited. I followed all instructions asked of me and it still took up until XX/XX/XXXX th for them to tell me i wa scented for help. I didnt even know that they COVID forebaarnce they ever asked me why my income was half of what it was. XXXX they are saying I can on.y get 2 weeks forebarance instead of letting me appeal and give me a forebarance from XXXX until XXXX. Ive spoken to three or four different and they all are horrible with customer service. XXXX from XXXX which is non profit from XXXX XXXX She was able to call the mortgage company now called click and close and they basically told they cant help us. Her number is XXXX ext XXXX she is the one who told me to contact you guys. All I want to do is get my covid forebearance so I dont lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-10-09
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XX/XX/XXXXbreach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XX/XX/XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX {$680.00} The debt collection firm is trying to collect on a debt that is not mine. This was to be resolved after my communication with them and advising them that the charges were either someone else or fraud. 

This debt collector was advised that they are not to put erroneous information on my credit report as it a item that is not mine. 

I have sent them a letter to request the forms to put this in as fraud and they can not provide as it was paid in full by XXXX. These bills are not mine and I have requested signatures to provide proof that they are mine. 

This company is abusive in their practices on the call and have been reporting on bills that are up to 4 years old. The information is incorrect and they are not listening just billing me and putting wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Citizen Mortgage
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I completed an application for an FHA loan with Citizen Mortgage on XX/XX/XXXX, for a home purchase. The address of the property is XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX and was listed for {$200000.00}. I also asked the lender to consider my application for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX for {$190000.00} on XX/XX/XXXX, to which he agreed. 

I asked the lender several times for confirmation that all required documentation was received and a loan estimate. I could not get a clear response to these questions or whether my application has been denied. I have yet to be informed about the status of my application. My credit report was pulled by this lender, and it appears that they do not intend to give me a resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Atlanticus Services Corporation
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This card charges an APR over 30 percent in addition, to monthly service charges of XXXX $ I scheduled my payment prior to due date. It process a day later I was charged a late fee. They will not waive it. I am XXXXXXXX XXXX XXXX  on fixed income. This should be illegal nationally. My options include defaulting, or bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: MD
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:
To whom it may concerm, I have reported identity theft to the three three major credit reporting agency are reporting fraudulent accounts on my credit report on my credit. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I have sent several notices to change this or update my file but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
I sent a certified letter to TransUnion that was delivered on XX/XX/22 asking them to re-investigate a fraudulent account on my credit report XXXX XXXX XXXX account number XXXX. The tracking number is XXXX. I previously asked for an investigation, and the account came back 100 % accurate. I requested a re-investigation after speaking with customer service and being told that TransUnion does not do its own investigation. However, this was the second time I mailed them a letter, and they refused to do an investigation claiming that the letter did not come from me or an authorized third party. 

According to the law 15 U.S.C 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a customer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with the factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who they spoke to. How did they complete the original investigation? I asked them to re-investigate and provide information on how they verified the account and they refused. I sent all the information I was told to provide. I personally reached out to this collection company and the original creditor, and they were not able to provide proof this was my account. This account is associated with a fraudulent address that TransUnion deleted as a result of identity theft.

15 U.S.C 1681 Section 602 A States that I have a right to privacy 15 U.S.C 1681 Section 604 A States that a consumer reporting agency can not furnish an account without my written permission By refusing to do an investigation and allowing fraudulent information to remain on my report, they have violated my rights under the FCRA. This has also caused me adverse action and prevented me from securing housing.

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 2023-06-24
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX started a car finance account contract XX/XX/XXXX. They were dissolved as a car finance company at that time. And were also operating as a business internationally. Which is conflictual XXXX. Reporting the amount owed as over XXXX and as a charge off. I voluntarily gave up the car because i paid for it 6 years off a XXXX contract and was due to complete the car payments XX/XX/XXXX. And asked for an early payoff amount. But XXXX said no early pay off. And after 6 years at {$390.00}. Monthly I still owed over {$13000.00} with as they said payments to go on until XXXX. Thats 12 years of car payments! Thats illegal!!!! 

XXXX. Sent Experian proof of bogus fraudulent contract. And the copy of the legal ad announcement of the finance company dissolving its business before they went into contract with me. And Experian upheld the fraud and ignored the documents! 

XXXX. This was on my credit report for 7 years. And Experian renewed the reporting to XX/XX/XXXX!. So its on my credit file for 12 years!!! Experian is reporting erroneous and obsolete information intentionally and needs to be sued!!! 

XXXX. I disputed the out dated reportings, and the erroneous information and the incorrect amounts the finance company is reporting. And they have the vehicle. So how can it be a charge off, and a debt!!!!????? 

XXXX. I plan to pursue any legal actions possible against XXXX and Experian for collaborating to conspire against consumers in efforts to discredit and create intentional and uncessary financial heartship, and XXXX. 

Please look at all the consumer reviews againt XXXX XXXX XXXX, and Experian!!

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 2022-02-01
Company: EQUIFAX, INC.
State: MD
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:
To whom it may concerm the three major credit reporting agency are spelling my name and using the wrong address on my credit file I have sent several notices to change this or update my personal file but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-07-25
Company: EQUIFAX, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) -- all same account name, original creditor name, but different trade lines on my credit report.. XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX  XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: ERC
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:
XX/XX/2019, Amount- XXXX, no action take by company still remain the same on report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
So, I sent the letter off on XX/XX/2022, here is my Tracking number XXXX, and was delivered on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-06-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Found : Social Security Number Potentially Breached Site : XXXX - breach occurred in XXXX, XXXX On XX/XX/XXXX, XXXX announced that all XXXX locations, POS and gas pumps were potentially affected by a malware data breach that exposed customer payment card information between XX/XX/XXXX through XX/XX/XXXX. 

Connects XXXX takes the security of your funds seriously. Your card has been identified as a compromised card that was used at XXXX during the data breach. 

on XX/XX/XXXX XXXX, we found your Social Security number on a Dark Web site View Details Your Social Security number has turned up on one of the thousands of Dark Web sites we monitor each day for you. This activity does not necessarily mean that you are the victim of identity theft, but your personal information may be vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: MN
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:
In XXXX of 2020, I have filed a notice with Experian,XX/XX/XXXX, and XX/XX/XXXX for removal of all old credit cards reporting as charged off from bankruptcy. Which is illegal to report after bankruptcy in my credit report. Which most of the credit bureaus move it " closed account '' but not removed it from my credit report. I have sent another letter to remove but no response from any of the credit bureaus with this matter. 

On XXXX of 2020, I have sent a request to each of the 3 credit bureaus for verification to bankruptcy reporting in my credit reports. Due to Covid-19, I have intentionally waited 6 weeks before sending complaint to CFPB with no response from any of the credit bureaus. 

When I received the response letters from XXXX 2020 CFPB, I was to call to obtain the status of response from the bureaus and when I was online waiting for almost an hour, I was told that I could NOT get the update from credit bureaus because I needed to be identified! Clearly this is delay tactic when there has been communication prior to from all credit bureaus issuing a file number and referring as the subject matter prior to now needing verifications to my identity. 

I can name number of Fair Credit Reporting Act violation with this matter and I need this matter resolved! If all credit bureaus can not supply the verification to bankruptcy in my credit report in timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item 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 explanation