BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: MI
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: NV
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 tried reaching out to this bureau several times about account that do not belong to me! this info is fraudulent and i want it investigated and removed from my credit report please!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Aspen Yo LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : GREGORY FUNDING MORTGAGE SERVICER, OF XXXX XXXX, CA XXXX XXXX XXXX XXXX TO PAY MY ESCROWED PROPERTY TAXES BY YEAR END XXXX AS REQUESTED! 
I'm filing a Formal Complaint against my Mortgage Servicer, Gregory Funding for REFUSING to pay my Property Taxes by Year end XXXX, as I requested several times via email, on the phone & via fax on their formal letter form as requested. 
XXXX XX/XX/XXXX, I faxed a formal request to my Mortgage Loan Servicer, requesting that my Escrowed Property Taxes ( that I paid on time monthly via my mortgage ), be paid by Year end XXXX, to my City Taxing Authority to ensure I receive a Tax Receipt by Year End XXXX, showing I paid my Property Taxes. 
**On XX/XX/XXXX, I called as a follow up reminder & was advised that they will mail the taxes by the due date of XX/XX/XXXX. I advised the rep that I needed to speak to a manager in the Escrow Department to ensure me my Property Taxes would be mailed by year end XXXX. I was advised to wait until next week because they mail the taxes in batches & if I do not see that my payment was received, to call back & email Gregory Funding Escrow Department ** On XX/XX/XXXX, I called the City of XXXX, WI & asked if my property Taxes were paid yet. I was advised NO by the Treasurer 's Office. So, I sent an email to Greory Funding on XX/XX/XXXX @ XXXX requesting that they mail my Property Taxes by XX/XX/XXXX ** I called Gregory Funding again on XX/XX/XXXX & spoke to the Escrow Dept - a rep by the name of XXXX XXXX She advised me that they will mail my taxes by XX/XX/XXXX - the bill due date. I advised her that I faxed a formal request XX/XX/XXXX, & was assured by completing the tax request form, my Taxes would be paid by XX/XX/XXXX, not the due date of XX/XX/XXXX. XXXX stated that they are not required to pay taxes by year end & disconnected our call. I called back & was on hold for over XXXX hour before I hung up. 
XXXX XX/XX/XXXX, I sent another email to Gregory Funding- Attention Escrow Dept requesting an immediate response to the lack of customer service & to assure me my Property Taxes were paid by year end XXXX. I never received a call nor email **As of XX/XX/XXXX, My Property Taxes were not paid for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, 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:
I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed 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 crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a collection account on my TransUnion credit report that I had on idea about for {$810.00} from XXXX XXXX with original creditor being XXXX. I immediately contacted XXXX XXXX about the account and was met with rude comments and profanity about the account. Prior to this appearing on my credit account I have never received any type of correspondence via mail, email, or phone about this debt. They listed the account as opened on XXXX XXXX, XXXX but when I contacted them they informed me that the debt was from XXXX. I informed them that I didn't recognize the account and they told me that they wouldn't verify the debt and that it was my responsibility to file a police report on the debt? I have since contacted XXXX and they also have no record of the account under my name in XXXX, OH. XXXX XXXX   refuse to remove the account from my bureau with false information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 3RD Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00}

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is a continuation of CFPB complaint XXXX regarding XXXX account # XXXX. The attached response letter from XXXX XXXX, " Due to a manual error when updating your account, your account was incorrectly reported as past due. '' The attached letter from XXXX also states, " We would like to confirm that on XX/XX/2023, we submitted a correction to the credit bureaus to have your payment and account history updated. '' As of XXXX, two incorrectly reported 30-day late entries of XX/XX/2023 and XX/XX/2023 remain on my TransUnion credit report. I submitted an online dispute to TransUnion on XX/XX/2023 to have the incorrect entries removed and instantly received a result stating there were no inaccuracies found. I contend that TransUnion violated the FCRA by failing to properly investigate my dispute claims. If TransUnion reached out to the credit furnisher ( XXXX ) as required by law, it would have been apparent that the XX/XX/2023 and XX/XX/2023 XXXX lates were inaccurate information. I also contend that TransUnion violated the Fair Credit Reporting Act ( FCRA ), which states that XXXX must correct or remove incorrect information from my consumer credit report. My credit rating was adversely affected by TransUnion 's failure to correct inaccurate information, and I was denied credit as a result.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: MI
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-08-30
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested very specific information regarding these alleged debts-proof that Simon Agency owns and is authorized to collect, proof they are authorized to collect in my state-etc. 
There response was false and inaccurate- The original placement dates vary according to what they provided. On XXXX they claim they sent me notice to my current address-they are lying, I did not live there at the time. I have been disputing these false debts since XXXX. They refuse to provide the requested documwntation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: N.A.R., Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this company is calling nonstop. they call at least 8 times a day. I have never used this company have told them to send me information to validate this debt.i am an XXXX veteran on social security income. this company, is relentless in their debt collection methods, I feel as if I need to contact the attorney general of Florida. they have reported this on my credit report, in a negative light, they sent letters stating I owe, and to pay. on my credit report XXXX XXXX states CHARGE OFF FOR A LEASE, THEN IT SHOWS 90 DAYS LATE IN XX/XX/XXXX, 60 DAYS LATE IN XX/XX/XXXX, AND 30 DAYS LATE IN XX/XX/XXXX, AS WELL AS THE COMPANY WHICH IS N.A.R THAT IS CALLING ME DAILY, IS NOT THE COMPANY FOR WHICH THE DEBT ORIGANATED. I AM ASKING THEM TO DELETE, AND REMOVE THIS FROM MY CREDIT REPORT, TO STOP THE HARASSSING PHONE CALLS. AS I HAVE NEVER SIGNED ANY DOCUMETS, HAVE NO IDEA WHO THEY ARE OR WHY THEY ARE CONTACTING ME, I INFORMED THEM THE FIRST CALL THAT UNDER FEDERAL LAW THEY HAD ONE TIME TO NOTIFY ME OF A DEBT AND TO NOT CALL AGAIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full.

XXXX XXXX card : XXXX - available : # XXXX XXXX  card : XXXX -available : {$10000.00} XXXX card : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX- available : {$5200.00} wells fargo card:XXXX-available : {$1000.00} XXXX  card:XXXX-available : {$6000.00} XXXX XXXX available XXXX Please help me

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 2023-12-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Service has reported a debt thats not mine. I have contacted the company and they were rude by saying that I was telling lies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NY
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 Section 602 STATES I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by XXXX on XX/XX/2020. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the sixth time I am filing a complaint for this issue and it has not been resolved. Pursuant to 15 U.S. Code 1681o, this is now negligent noncompliance and Equifax is liable to compensate me in an amount equal to the sum of actual damages done to me. In addition, I have filed a complaint with the Office of the Comptroller of the Currency as a result of the noncompliance of Equifax to remove the inquiry and the negligence and noncompliance of not yet providing me with monetary remedy. Please remove this inquiry off of my credit report and compensate me. Pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640, Equifax is liable to compensate me for the abusive and deceptive practices exercised as well as the damages done to me. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please remove the inquiry and compensate me for the damages done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was pretty surprised after reviewing my credit report that I found a late payment on the following date : XX/XX/2017 The first thing I did was send in a request to yous asking to send me payment history with statement of the month which you claim I was late you simply responded with a letter that what your reporting is correct with nothing to back that up. 
I am not sure how this happened. I believe I made all my payments to you when I received my statements. My only thought is that my statement did get to me.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 explanation
Consumer complaint received 2023-08-07
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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have not authorized credit inquiries from the following dates. XXXX XXXX XXXX, 2021. Fraudulent methods were used to obtain a copy of my report without my consent. I have requested the removal of the fraudulent inquiries but they continue to remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: IL
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.

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 explanation
Consumer complaint received 2018-08-30
Company: EQUIFAX, INC.
State: TX
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 want to monitor my credit and repair it upon finding any inaccuracies. But Equifax is not allowing me to sign up for their services. And they want me to acknowledge debts via my credit reports by asking multiple times did have any credit cards, mortgages, auto etc. Those may well be some debts on there but I don't know what's on there.

Company response to consumer: Closed with explanation