BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NC
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 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 non-monetary relief
Consumer complaint received 2019-12-04
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
XXXX  is reporting an Ocwen Mortgage # XXXX on our credit reports that one was closed and paid in XX/XX/XXXX and two, is reporting twice on our credit reports! This duplicate reporting is also  showing we were 60 days late within the past 12 months ( XX/XX/XXXX )! Again, we sold this home and paid off this mortgage in XX/XX/XXXX! This is now keeping us from using our VA benefits and purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Reporting company used your report improperly

Complaint:
15 usc 1681 section 602 : states I have the right to privacy! 15 usc 1681 section 604A section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions 15usc 1666 B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. I'm frustrated because you keep on ignoring my request! I need these items to be repaired ASAP. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
XX/XX/2022- Experian received notice of the multiple entries on the credit report by a company called XXXX that did not belong to me. Experian 's investigation was not thorough as there is now even more documentary evidence that this intrusion is a result of identity theft.

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 2023-08-02
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Closed this card in XXXX. Then today ( XX/XX/XXXX ) I received a letter stating they closed my account due to issues with my credit. The account was supposed to already be closed. I looked at my credit through all three credit bureaus that I subscribe with to monitor and their letter was inaccurate and false the reasons given. My scores were higher than when approved for Care Credit card, my other card balances were lower and I do not own real estate that they say there is insufficient info for real estate owned. I have not had a balance with Care Credit in several months for which I paid off in full after every use.

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 2019-11-09
Company: MIDFIRST BANK
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a new checking account with Midfirst bank during an ongoing promotion with bonus for new checking account after completing certain transactions. By XX/XX/2019 I completed required transactions and was eligible for the bonus, however, Midfirst decided on XX/XX/2019 to close my account by XX/XX/2019 by the terms of use of the account without any explanation. Also, they informed me 6 days after their decision. Moreover, the promised bonus was not paid although requirements were fulfilled. 

In addition, Midfirst terminated online and mobile banking access on XX/XX/2019 although my checking account was active, open and with balance in it until XX/XX/2019. My access to my funds was limited by the bank.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion has yet to removed the XXXX XXXX account from my credit file. Im not sure why this account is this in my credit file. Documents were sent over and also Transunion were provided a copy of the companys response as well as XXXX and XXXX ( XXXX and XXXX removed the account immediately ) XXXX XXXX has no right to report this account they dont have ownership of this account as provided to all credit bureaus via Consumer financial protection bureau . Please remove this account immediately if not Transunion will be liable for punitive 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 non-monetary relief
Consumer complaint received 2023-04-17
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 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 2023-01-19
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: Information belongs to someone else

Complaint:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is showing information on my credit report that is inaccurate. It is ruining my livelihood and impairing me from obtaining credit and a place to live. This inaccuracy is causing a great deal of stress in my life and ruining my reputation. They have a grave responsibility of making sure that they are reporting accurate and validated information according to 15 US Code 1681. They are to report with fairness, impartiality, and a respect for the consumers to privacy. It is the purpose that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of consumer law. 

According to the IRS, which is on their website XXXX as of 2021 Even if you didnt receive a Form 1099-C you must cancel debt as gross income on your tax return. 

The IRS clearly defines a charge off as Gross or Ordinary Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was accrued do to an illegal business practice by the original creditor, XXXX XXXX in XXXX, Florida. They used to be called XXXX XXXX XXXX XXXX 

I moved-out early due to the COVID-19 Pandemic in XXXX of XXXX. I received a Final Move-Out document ( Attached. ) acknowledging my move-out, yet a year later, in XX/XX/XXXX, I received a LARGE bill of {$9100.00} ( Attached ) reflecting that XXXX  XXXX was charging me rent for an ENTIRE YEAR after I moved out. 

Furthermore, XXXX XXXX had mitigated my loss by getting another tenant to occupy and sign the lease for unit XXXX within a month of my move-out date, by the name of XXXX or XXXX. I confirmed this with my fellow roommates who lived in the same floorpan as I did. 

This is an illegal business practice, and the Debt Collector should close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My only identifying information is as follows : My address : XXXX XXXX XXXX. 
XXXX, SC XXXX My name to : XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 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 2019-12-04
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon creating a free credit report dot com account, I found a collection of {$880.00} from a company called Diversified Consultants. After contacting them they claimed it was a debt originally reported from XXXX. However I have never owned or used any service from XXXX in my entire life, I tried disputing it with Diversified Consultants as well as file a dispute used the freecreditreport process, which I think goes through XXXX. They said they verified the account as valid, but I swear to XXXX I never ever used or have ever had XXXX service that they claimed they are trying to collect on. 

{$880.00} is a significant amount, I have things that are legit in collections but this one is not legit. 

The time frame they are saying I had this service, I actually was on my x-boyfriends ( XXXX XXXX ) 's plan with XXXX. I am suspicious that one of my x-roomate previous to living with XXXX XXXX and being on his plan might have stole my identity, which is all I can think happened. But I never ever had XXXX service in the time frame they are claiming, nor ever in my life. I was on a XXXX Plan which should be proof enough, because why would I have two services ...

Diversified Consultants are showing date opened is XX/XX/2016 if that helps any. 

I feel like this is harrasment and is harming my credit score when it was not even me that opened said account, therefore I do not owe them money and it is not fair to make me pay for someone else to fix my credit report. It is not my bill. 

Is there anything you can do to help me out, I do not have a lot of money to hire a lawyer or anything like that, so it just sits there harming me. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Was not notified of investigation status or results

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Information belongs to someone else

Complaint:
Hello, I called the creditor ( XXXX XXXXXXXX ) about 3 unauthorized inquiries. They said that they informed the 3 credit bureaus to remove the inquires and its been past 90days and they haven't. I called and got NO HELP. The dates are XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: MI
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:
Ive banked with Chase pretty much my whole life .First banking experience was XXXX XXXXWhich is own by Chase.Ive had enough of these banks falsely reporting bad credit reportsThe banks has denied my account since I was XXXX..I was told no due to my poor credit score.And to when I asked why was I denied they would say read the letter.And they would just basically lie.This bank did not due right by me.They closed my account and made up a lie stating that I was rude to they employees.. : ( ( ( I just wanted answers why they was red lining my name and intentionally making a bad credit score and denying me credit that was my minesThe banks do not suppose to deny anyone credit..!!!! Hjr-192 we consume and all debts are paidThis is the our right as consumers.The constitution is for me and not to be takin advantage ofWithout TRUST and FAITH what do we truly have.??? My information was data breached not long ago this is unacceptable.CHASE bank needs to get it together and treat all consumers with respect and be honest to us.Violating my trust is not right at all.Im so grateful for the cfpb because I cried so hard not long ago .Because this is mentally draining.So thank god for companies that helps the consumer..!!!!! Thank you.finally my voice can be heard and never taken advantage of again.Ive been redlined out of all credit outlets and this is so devastating.Ive have tried to reason with this bank and find out whats going on .But this bank repeatedly denied and used my information in regards of not having my permission.Please hold them responsible for what they did The fact that they closedown my bank account is proof I was wronged by this bank.What bank close your account out of no where

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: SYNCHRONY FINANCIAL
State: TN
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 went to the dentist for a cleaning. They said I needed their version of invisaline, for straightening my teeth. It felt like a over sale right from the start. My insurance did not cover it, so they had me to fill out some forms. I did not receive any treatment. We were going to revisit it on my next appointment. I never went to said appointment. Called and stated I did not feel comfortable with the scenario and I did not want to proceed. I never authorized any charges. Now it is showing up on my credit report and I am getting harassed by debt collectors.

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 2019-12-04
Company: EQUIFAX, INC.
State: WA
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:
The company closed my card and made it very hard to make payments.. was dealing with fraud issues on a checking account causing a payment to not go through.. Payment was not due and was an extra payment. They closed my account. I called and paid account to 0 balance. They are showing I owe {$2.00} still. They were to mail me a pay for deletion letter and never did. So now I have this on my credit report and can not get it off.

Company response to consumer: Closed with explanation