BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
State: TX
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:
Equifax has a disputed amount listed on my credit report as " 60-89 Days Past Due ''. The subject matter of this report is a fraudulent, unauthorized charge which is the basis of an ongoing dispute with XXXX XXXX XXXX. 

On XX/XX/2020 I filed a complaint with Equifax regarding this incorrect item on my credit report, asking that the status be changed from " 60-89 Days Past Due '' to " Disputed '' which is correct, and I believe required by statute in this case. I supplied details of the ongoing complaint and offered to immediately furnish any and all documents relating to it. 

Equifax has not changed the incorrect entry on the credit report. They have not requested the offered documentation. There has been no reponse of any kind to the complaint, and Equifax continues to carry this false charge on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to Metro 2 Credit Compliance standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet Metro 2 standards. 

I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Statement showing PAYMENT DUE DATE XX/XX/XXXX//SUMMARY OF ACCOUNT ACTIVITY Purchases {$0.00} INTEREST CHARGE CALCULATION Purchases//Balance Subject to Interest Rate $ XXXX I Processed phone payment XX/XX/XXXX {$400.00} with agent discussed plan to stop making purchases in order to maintain XXXX purchase balance. Agent reversed {$0.00} Interest Charge. My Letter dated XX/XX/XXXX to NFCU. Reply from NFCU indicates reduction in cash limit. Nothing concerning interest over charge interest calculation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: TX
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:
To CFPB, I have tried many times to get Equifax to correct inaccurate information on my report, as you know I suffer from XXXX  and have been in and out of the hospital many times and i have notice that over the last 60 days my credit score went from XXXX down to XXXX yet there has been no adverse things going on in my financial situation and any one knows that a persons score does not just go down that many points for no reason you know it and I know it. I think its time to re investigate Equifax for law breaking practices as they have done similar things like this in the past to try to sell the consumer products regarding their credit score, I don't have time or the health right not to continue to deal with this therefore, I ask you to do an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a letter in the mail attempting to settle a debt from XXXX XXXX for {$44.00}. I rarely use XXXX and certainly never had a debt and after checking my account there was no debt or any suspicious transactions. I believe Jefferson Capital is phishing me for information or falsely trying to extort money from me. 
I called the phone number on the letter and they refused to give me any information or email associated with this claim without me giving my personal information. I gave them the reference number and my name and they can see my phone number, they demanded my social security number which I'm not willing to give out to a random person claiming to collect " debt ''. They hung up on me when I asked them questions about the supposed claim. 
After researching this particular practice I found many examples of people being pressured to pay for a debt that wasn't theirs. 
The Company is : Jefferson Capital XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CAINE & WEINER COMPANY, INC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX-2017 To whom it May Concern : In XXXX of 2017 I realize in my credit report that appears some accounts that do not belong to me : Portfolio recovery # XXXX balance in collection of {$520.00} XXXX XXXX # XXXX balance in loss of {$520.00} I have never held accounts with these creditors and have never lived outside of Puerto Rico. The credit report reports an address in the United States that does not belong to me XXXX XXXX XXXX XXXX XXXX MA XXXX. I need not mix personal information of another person in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: GA
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 disputing these accounts below. They are not mine, and are fraudulent. There are a lot of inconsistencies in the reporting of them. 


XXXXXXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : Account number : XXXX open date inconsistent and or duplicate account. 
XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX open date inconsistent XXXX XXXX ( CLOSED ) : Account number : XXXX XXXX inconsistent not mine. 
XXXX XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them. 



I did not give them my consent to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have tried at least 50 times to contact Experian to reconcile my credit account. They continually send me emails stating that my credit score has " changed '' or it " has decreased ''. I know my log-in username, but am having trouble with the password. I have followed every possible step to reset the password. I have called the following numbers and can not get ANY assistance : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX I think that this company is fraudulent and deceitful in every way. I would like to get an immediate answer so that I can access my Experian Membership account. I should not be needing to access my private information and can not do so for over 5 months. Please assist in any way. Thank you!

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 2020-12-21
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have lost out on a promised rate. We feel we were offered a rate which was not legitimate which caused us to choose Amerisave over two other companies because of there insistence it was a legitimate rate. When push came to shove and I made our rep say it was legitimate out loud, on an e-mail, we were immediately ghosted. 3 month went by without any progress and only contact when we pushed hard. Now, 1 month after we cut ties with them, they are doing hard pulls on our credit. 

These people cost us at least 3000.00 a year for 15 years by trying to scam us into doing business. And the appraisal fee. 

I intend to take any and all steps to stop this from happening to other people.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
MY IDENTITY WAS STOLEN AND SOMEONE TRIED TO RUN MY CREDIT NUMEROUS TIMES ACROSS ALL THE MAJOR BUREAUS, I HAD MY CREDIT RUN OVER 30 TIMES FOR ALL DIFFERENT TYPES OF BANKS THAT I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THESE INQUIRIES ARE ALL FRAUDULENT AND HAVE NO PERMISSIBLE PURPOSE. TRANS UNION, XXXX, AND XXXX  have FAILED TO RESPOND TO MY REPEATED ATTEMPTS TO REMOVE A FRAUDULENT ACCOUNT THAT WAS PLACED BY XXXX I have called, mailed, and disputed online and they still have not to removed the account even though XXXX confirmed it was fraudulent. I HAVE MANY ACCOUNTS IN GOOD STANDING AND THIS HAS BEEN AFFECTING ME FOR YEARS. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple 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 explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
COMPLAINT on XXXX, Equifax, XXXX : My wife and I are senior citizens. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CFPB, Can you please make them remove these account under consumer code 15 USC 1681eb ... According to the IRS canceled debt ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. Here are the accounts I am asking to be deleted ... 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 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 2022-10-10
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize. 

Account Name : XXXX XXXX XXXX  Balance owed : {$910.00} Account Name : XXXX XXXX Balanced Owed : {$910.00}

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 non-monetary relief
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted .I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 explanation
Consumer complaint received 2020-12-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On, XX/XX/2020, I wrote to them requesting an investigation into items that I believed were INNACCURATE. Under federal law, they have thirty ( 30 ) days to complete there investigation. It has been well over 45 days, almost 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 2023-09-06
Company: Experian Information Solutions Inc.
State: MI
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of ID Theft. 

Please see the ID Theft Affidavit attached for the fraudulent account, and inquiries listed on my credit report. I've attached a scan of my ID front & back for purposes of verifying me. I've also attached a NOTICE TO FURNISHERS stating you guys must do your jobs and remove all of this information. 

FYI ; on some of the inquiries some of them appear more than once and I did my best to try and list them all correctly.

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 2022-04-07
Company: Klarna AB
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up to use Klarna and to my surprise was told that i already had an account with them. i have no idea how this came about. so i asked them to investigate this situation and was never given an update until yesterday when the rep told me that it was opened and closed. I was not given any type of update or any other any information. i have no idea where this alleged account come from and this company is not giving me any information about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$780.00} ; XXXX  XX/XX/2023.

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 2023-06-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Equifax has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Equifax refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.

Company response to consumer: Closed with explanation