BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
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:
Fair Collections & Outsourcing received an alleged debt for an apartment lease I cosigned for. While I believe the debt it self is inaccurate, as I only agreed to a one year lease, the biggest issue is them reporting this to my credit report. They are weaponizing the credit report. At no time did they, or their client XXXX XXXX ever report the over 18 months of positive payments made. At no time did they ever say the account was XXXX, XXXX, XXXX or 120 days delinquent. They just simply placed this on my report as a chargeoff, plummeting my credit score.

The use of a credit report and or credit score to collect money is wrong! it is borderline harassment and extortion! 
At no time was I ever made aware there was a delinquency until XXXX months ago, and the tenant I helped has been out of the complex for over 2 years!

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 2022-05-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 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 2023-05-03
Company: EQUIFAX, INC.
State: TN
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 DEPT OF ED / 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 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 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Last billing statement for account was XX/XX/2018, and account was closed by XXXX XXXX XXXX after card was reported as lost. A new card was issued and the old card was supposed to have been closed and reported as closed to all 3 credit bureaus. Instead, the new account is appears, as is the old account that was closed. I have filed several disputes with all 3 credit bureaus and the company itself to update the computer systems and the credit bureau reports but it still shows both cards and balances owed. Likewise, XXXX XXXX XXXX, each month, continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.

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 2017-08-11
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Contacted XX/XX/XXXX by number suggesting they 're taking pre-legal action. Shortly thereafter, significant other received phone call, requesting employment verification on my behalf.
Contacted again XX/XX/XXXX by number suggesting pre-legal action again. An hour later, significant other 's father ( who lives out of state and we have n't contacted in nearly a year ) receives phone call requesting employment verification.
Phone number was called repeatedly at their behest, only to receive no answer.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2023-05-03
Company: NRA Group, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called the National Recovery XX/XX/XXXX to confirm more information on debt being that I have not received anything in the mail regarding this debt, XXXX is the representative I spoke with informing me they sent out text messages I informed the representative that I havent got a text message and by law I needed something in writing she then confirmed they sent out a letter on XX/XX/XXXX. I have not got XXXX letter or text message about this debt. I have not got the opportunity to dispute and/or pay this debt. I want this removed from my credit report immediately or I will file a lawsuit for violating my consumer laws.

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 2018-04-25
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a threat to sue me from a debt collector named Express Recovery Inc. located in XXXX XXXX XXXX, UT.

The threat was over a utility bill that was past due to the gas company, then known as XXXX XXXX, now known as XXXX XXXX.

The trouble all started when I went online and closed my account due to moving to a new location. I was informed that a final bill would be sent via mail. When we moved onXX/XX/XXXX we had placed a change of address with the USPS. They said it would take about a week before the mail would be rerouted.

XXXX XXXX sent the final bill to the wrong address and we never received the final bill so naturally, it slipped my mind over time.

Then on XX/XX/XXXX I received a threat notice from Express Recovery Inc. claiming they were going to sue me if I didn't pay the debt. So I contacted XXXX XXXX  ( the gas company ) and paid them the negative balance of XXXX  which was owed. I explained the situation to them about not receiving the final bill and how it had slipped my mind.

After paying the debt directly to XXXX XXXX ( the gas company ) I called Express Recovery Inc. and told them that the debt to the gas company was paid. They transferred me immediately over to the law office of the guy who owns Express Recovery Inc. When the lady answered the phone she asks me if I was calling in to pay the balance owed which she claimed was XXXX. I said no I paid the {$200.00} directly to the gas company and I wasn't paying it twice. Then she said well, we are going to pursue the lawsuit then.

XXXX XXXX ( the gas company ) confirmed to me on XX/XX/XXXX, that they notified Express Recovery Inc. on XX/XX/XXXXthat the debt was no longer owed. The lawsuit was still filed against me on XX/XX/XXXX in the amount of {$350.00} and some change which still includes the original debt of {$200.00} according to the court when I spoke with them on XX/XX/XXXX.

Express Recovery Inc. and the owner whose name I will not mention here has committed fraud by filing a lawsuit on XX/XX/XXXX when they were notified directly by XXXX XXXX ( the gas company ) on XX/XX/XXXX that the debt was no longer owed.

This debt is also still on my credit report and both Express Recovery Inc. and the owner ( the lawyer ) have refused to have this removed off my credit report even though the original debt doesn't exist.

Express Recovery Inc. has committed fraud by filing a fictitious lawsuit to collect the original debt owed which no longer exist and at this point is also falsely reporting a collection and/or debt still owed that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2019-05-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to submit disputes to Equifax, for the ones I have submitted successfully, I am unable to view the results because their website has been down for over 6 months. they are unable or unwilling to send me the copy of my dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. I highly appreciate it if you REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX CARD SER XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX*** Opened XXXX. XXXX, XXXX Balance {$3900.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX, XXXX Balance {$990.00} XXXX XXXX I, XXXX ( Original Creditor Name XXXX XXXX XXXX ) Opened Date XX/XX/XXXX Balance {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ATG CREDIT , LLC is falsely reporting that i have a valid debt despite the fact that the creditor doesnt exist. XXXX XXXX of XXXX is the original creditor and they closed down- ATG somehow got ahold of their customer records and have been attempting to extort money from their previously paid-off customers who are mostly elderly people they can take advantge of. 

ATG provided no documentation that the debt is valid, they blocked my phone number when i attempted to call them and ask for said documentation, they refused to investigate the matter as a fraud case despite my request, and they have been falsely reporting information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
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 2023-11-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX accounts reporting to Transunion which are fraudulent & I'D like them removed from my report. These fraudulent items should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the accounts with the company but I'm truly confused about how they can verify a fraudulent account. Im attaching the required XXXX  Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX XXXX XXXX... and I would truly not what to pursue a legal remedy... 

XXXX XXXXXXXX XXXX XXXXXXXX

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 2019-09-27
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
LOAN # XXXX Borrower : XXXX XXXX Property Address : XXXX  XXXX XXXX XXXX XXXX WA XXXX *** This is a second lien on a property we've been trying to complete a short sale on for many months. We have secure 1st lien approval which expired as of XX/XX/XXXX and an extension is currently pending. This property was set to be foreclosed on XX/XX/XXXX however, luckily we were able to get the first lien to postpone but they almost hadnt due to this lien holder taking so long. 
I have called literally every day to follow up and have been told for 30 days now that the approval letter should be ready " tomorrow ''. Yet, it never arrives. All parties, especially the buyer is extremely upset and frustrated with these false promises. The company is receiving the net they are wanting and there are no reasonable explanations for the continuous delays.

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 2017-08-11
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: Their investigation did not fix an error on your report

Complaint:
Sent Inquiry removal letter to Equifax after trying to contact creditors to no avail. as Equifax told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Equifaxes customer service would not help and take care of the negative inquiries reporting on my credit report which are : 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 2021-11-23
Company: AMERICAN EXPRESS COMPANY
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation