BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: OR
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 XXXXXXXX XXXX XXXXXXXX Account # XXXX, on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. On XX/XX/2020 the original creditor, Comenity Bank verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors currently holding the file have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: AZ
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 express my deep dissatisfaction and frustration with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and overall financial well-being, and my numerous efforts to rectify this situation have yet to yield a satisfactory resolution. 

The following issues persist on my credit report despite my repeated efforts : I have been a victim of identity theft, which has led to the inclusion of multiple fraudulent accounts and transactions on my credit report. I have diligently reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required by law. Despite my numerous attempts to rectify these errors, these fraudulent items continue to tarnish my credit history. 

I have submitted multiple dispute letters to the credit bureaus, providing detailed information on the fraudulent nature of these entries and furnishing all the necessary supporting evidence to substantiate my claims. Unfortunately, the response from the credit bureaus has been inadequate, and the fraudulent items remain on my credit report. 

I understand the vital importance of accurate credit reporting and am committed to restoring my financial integrity. It is imperative that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. Furthermore, I request written updates on the progress of this dispute and the results of your investigation. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. I hope such actions will not be required, and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud items : 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: In progress
Consumer complaint received 2022-05-25
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XX/XX/XXXX, received a form letter from Credit Systems Inc XXXX XXXX of the XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX CO XXXX alleging that I owed XX/XX/XXXX XX/XX/XXXX {$640.00} from XX/XX/XXXX. I have disputed statements with XX/XX/XXXX XX/XX/XXXX dated XX/XX/XXXX and XX/XX/XXXX in which they invoiced me for an " Amount Due '' of {$150.00}. 

In both cases, I responded to those invoices disputing that balance, indicating that payment would not be forthcoming, as care provided was not what was requesting, benefits were not coordinated properly between my two insurances, care was not coordinated with my primary care dentist ( as I had made clear when I initially had visited the practice ), unnecessary services were provided ( a second planning and scaling within a benefit year without checking either with my insurance or my primary care dentist ) and what payment had already been provided by my two dental insurances should be sufficient. 

I included the three credit reporting agencies ( XXXX, XXXX, and XXXX ) on these responses. I also received confirmation emails from the office admin ( XXXX XXXX ) that each of these responses had in fact been viewed : the response to the XX/XX/XXXX statement on XX/XX/XXXX ; and the response to the XX/XX/XXXX statement on XX/XX/XXXX. I received no statements from this office in either XXXX or XXXX, nor did XXXX XXXX contact me to discuss my response. 

I initially came to the practice for treatment of a relapse of severe XX/XX/XXXX XXXX, needing XX/XX/XXXX and XXXXXX/XX/XXXX. Instead what I received were a XX/XX/XXXX and XXXX on a XX/XX/XXXX 

XXXX XXXX had replaced the original admin I had met when I first arrived at the practice. Apparently, there had been no pass-down, as on my second visit, XXXX XXXX had no idea what had been previously discussed. When I asked about coordinating benefits and coverage for my requested treatment, she sent me back to talking to the insurance companies myself, and when I asked about pre-approvals, I had to constantly remind her to submit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Pacific Union Financial, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The amount for my escrow taxes is too high. Monthly I have {$160.00} escrowed for taxes. My annual local tax amount is {$220.00}. I raised this concern before closing, at closing, after closing, and at the end of the year when the property tax bill was sent out. After I sent the property tax bill at the end of 2017 I was told that the amount would be adjusted in XX/XX/XXXX. When I contacted Pacific Union Financial at the end of XX/XX/XXXX I was told that they would not look at it until XX/XX/XXXX. When I requested that they look at it anyway I was told that they have no proof that the tax amount has changed from your local county. Currently, we have your annual county tax amount as {$220.00}. 
So they know that the annual tax bill is {$220.00} yet dont see a problem with escrowing $ XXXX/month for local taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this letter on my behalf to request the prompt removal of the extended fraud alert that is currently on my credit report. I have attached the necessary documents, including proof of my identification, proof of address, and proof of social security number. Please take immediate action to remove the fraud alert from my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
American Express XXXX The basis for my dispute is American Express was required to notify me prior to XX/XX/XXXX, or no later than 30 days after American Express failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall  be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory 30, 60,90,120, information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, American Express " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) American Express failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120 status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve American Express is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX-XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00}

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 2023-10-30
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I call XXXX, Equifax and XXXX credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
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:
Please be advised that as of XX/XX/2023 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX - XXXX - I do not know what this is. Please investigate and remove from my report XXXX XXXX XXXX - XXXX - I do not know what this is. Please investigate and remove from my report XXXX - XXXX - I do not know what this is. Please investigate and remove from my report XXXX XXXX XXXX - XXXX - I do not know what this is. Please investigate and remove from my report XXXX XXXX XXXX  - XXXX - I do not know what this is. Please investigate and remove. 

Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act 15 USC 1692g. Please investigate and remove from my report.

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this investigation within 30 days of receipt of this letter.

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 2023-02-13
Company: EQUIFAX, INC.
State: NY
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/2018 I sent dispute letters to XXXX and Transunion, regarding an account on my credit file that had incorrect or missing information. I stated : " I am writing to challenge the reporting and compliance on an account with XXXX XXXX/XXXX  that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number. 
Your improper procedures are highly damaging to my credit score.  Please immediately delete this item. '' When I received the response back from each company, they stated the account was valid, but they did not address the fact that I can't see an account number for me to verify it myself. Just a bunch of XXXX 's. 

As required by section 609 of the Fair Credit Reporting Act, it states that by not reporting the entire account number, 100 % of the information is not being reported accurately. 

I have enclosed these documents below.

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 2023-07-03
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: HOVG, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Last year on XX/XX/2017 I got a XXXX XXXX XXXX at this restaurant called XXXX XXXX, located in XXXX, MD, XXXX. Before ordering I made aware to the manager and the server about my XXXX XXXX XXXX. I ordered a steak dish to prevent any cross contamination. Unfortunately, I got a XXXX XXXX XXXX on which I ended up in the hospital, missing days at work because of this issue. Before taking me to the hospital in the ambulance, my family talked to the manager about, their terrible mistake how dangerous that could ended up. The manager explained to us that their insurance was going to take care of all the medical expenses. Its been more than a year and the collection agency keeps calling me every single day to collect this debt that has also affected my credit score and other things because this debt cant be paid. I have taken all the medical bills since day 1 to the restaurant and brought to the manager 's attention but nothing has been done. I want to know how can you help me solve this. Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: NY
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:
I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. THIS IS IN NO WAY A REGULAR DISPUITE, i have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because it is to my knowledge I do not recall even opening this account. I need this problem fixed immediately. On XXXX 2021 I sent a letter to each bureau in regards to this account. I will not wait another 60 days to receive 0 response because clearly i am being ignored on this matter. [ I demand this account be deleted immediately or i will file for litigation due to the stress this has caused me and my family. ] In Section 611 ( a ), it is plainly stated that a failure to investigate this account within 30 days gives reason to immediately remove this item from my credit report and it has been well over 60 days so this account should be removed promptly!!

Company response to consumer: Closed with explanation