BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
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 is continuing to report incorrect information ( late payment, when there is not ) and incorrect account status ( open, when it is closed ) on my credit report. 

As seen in attachments : XXXX has DELETED the incorrect late payment in writing. 

XXXX has DELETED the incorrect late payment ( and correctly listed the account as closed ) in writing. 

XXXX XXXX XXXX  themselves, attests that this late payment should also be DELETED in writing. 

Equifax has also DELETED the incorrect late payment in writing, yet they have recently contradicted their own finding and correspondence and have now re-listed this payment as late and the account as open... Both are incorrect and is causing harm to my credit report. 

This has been the THIRD time I filed a complaint against Equifax about the same issue that is still unresolved... 

I demand for Equifax to follow the correct decisions of XXXX XXXX XXXX, XXXX, and XXXX to promptly DELETE this incorrect late payment still showing on XX/XX/2022 from XXXX XXXX Bank and for this account to be officially marked as CLOSED. 

Especially since this is the THIRD time I have filed a complaint against Equifax on the same issue with no permanent resolution, failure for Equifax to permanently DELETE this incorrect information and failure for Equifax to show this account as CLOSED will result in immediate small claims lawsuit after the allotted time set forth by the CFPB and applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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:
Hi I am submitting this XXXX 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 transunion 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 depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2021-06-24
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed XXXX accounts with Experian for a note loan with account number XXXX with credit limit of XXXX from XXXX and an unsecured loan with account number XXXX with a credit limit of XXXX from XXXX XXXX. I informed Experiean that I have no knowledge of either account, Still Experian claimed that the information that is being reported is accurate adding first the comment " Account was in dispute - now resolved - reported by XXXX '' and after I disputed the account again they added " Unpaid balance reported as a loss by credit XXXX '' to my credit file. Both accounts have a opening date of XX/XX/2015 and a last payment date of XX/XX/2015 yet according to the information being reported the same account shows " OK '' in XXXX, XXXX and XXXX of 2015. This same information was dispute and deleted from both XXXX and XXXX. Nonetheless, this information is being reported is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
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:
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 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 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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$22.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$810.00}.

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 2022-12-08
Company: Experian Information Solutions 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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}

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 2020-02-20
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX, I spent several hours on the phone with GC, which is a debt collector for XXXX, and they took my personal information including new address and phone number. I received emails with documents to sign that were docu-sign and none of my personal information was updated on these forms. These forms look like the same forms that are on the studentaid.gov website that is filled out for paying back the loans. I had my wages garnished in XXXX without my knowledge for a while until my employer told me, or actually, the payroll debit was who told me, it was money network who told me, which was odd, and then my XXXX tax return of {$1300.00} was taken for the tax offset. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Have disputed this account from XXXX XXXX with XXXX, Transunion, and XXXX with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3. 
2. Date opened is inaccurate. 
3. Payment status is inaccurate. 
4. Last reported dates are inaccurate. 
5. Comments on all 3 accounts read something different. 
6. Date last active is different on all 3. 
7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off. 

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on 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 2020-12-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
First and for most, I verify that it is me disputing the information my credit report. The CFPB provides a service so that the private companies do not abuse consumers. I have a right to dispute through this portal to Experian and I have provided my credentials for proof of identity. 

I disputed some accounts on my experian report on XX/XX/2020. The letter is attached. I have yet to receive a response and it has been over 90 days. Please remove these accounts from my report as the investigation took longer than the time allotted by the FCRA. If you are claiming that accounts are verified. According to section 609 of the FCRA, you have to provide proof of that. Which you also failed to do.

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 2023-10-23
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 non-monetary relief
Consumer complaint received 2023-08-22
Company: ERC
State: TX
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. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I did not get this card. I have not lived in that apt since before it was dated. 
there is a XXXX balance that has not been paid- it is affecting my ability to buy a house. my credit has dropped significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX an unknown user sent an amount of {$70.00} to my cash app account. 
I did not know this user and therefore sent the {$70.00} back, promptly, on the same day, as requested by the user who explained they accidentally sent it to me. 
I thought nothing more of it until XX/XX/XXXX when cashapp notified me they would be taking {$70.00} from my account to pay to the same user because there was a dispute opened with the users bank. 
There was never any inquiry into the matter. I was never given notice or a chance to explain the situation. I was simply notified on XX/XX/XXXX and the money was taken right then. 
I have since tried to get the funds back with no reasonable resolution being offered by cash app ( Square inc ). I believe their actions are in violation of the ETFA and they have yet to offer any reasonable resolution to this matter. I simply want my money back in my account. I never authorized this transaction to be made. My explanation can also be ( and has been ) verified/validated/confirmed by cash app by simply looking through the transaction history on my account which shows the accuracy of my explanation! I would like the {$70.00} returned to me promptly! 
I would also like square inc to review its policies that would allow such a situation to occur in the first place. Their policies appear to allow financial scams to be perpetrated on their users and also makes them complicit in these scams!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CUSO Home Lending
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received 2 consecutive inaccurate mortgage statements from CUSO Home Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when my regular amount due is {$1800.00}. Despite these statements, I had my normal monthly amount automatically withdrawn from my checking account ( {$1900.00} which is slightly extra each month ). Upon receiving the second inaccurate statement, I contacted CUSO on XXXX  to report the issue. It was during this phone call that I was told there was a " glitch in the system '' and the error likely had to do with an ARM change. I did not recall that I had this type of mortgage and had a loan approval letter kept with my statements stating the approval was for a 30 year fixed loan at 4.5 %. I sent a copy of the letter via email and CUSO subsequently replied that I indeed had a 10 year/1 arm variable rate. They sent my their copy of the signed documents from closing indicating the 10 year/1 arm terms and asked if I had a copy. What I found in my closing paperwork was an unsigned copy of the 10 year/1 arm. I am not disputing that my signature is on the their documents, I am just explaining why I thought I had a fixed rate. In looking through my unsigned document of the terms it clearly states that I would be notified in writing at least 45 days prior to the ARM change. Not only wasn't I notified, I was the one having to initiate communication regarding inaccurate statements. The communication since has revolved around me paying the new increased mortgage amount with my previous payment being held in suspense. The explanation I was given was that they do not apply partial payments.They sent me an updated statement dated XXXX with the amount due as {$4100.00} ( {$2000.00} for XXXX and {$2000.00} due for XXXX with {$1800.00} being held in suspense ). I have sent a check to cover the difference but both XXXX and XXXX were already sent on the XXXX of each month with my typical payment ). I expressed my frustration to the company and my concern regarding the potential for status of the account to adversely affect my credit ( email sent XXXX XXXX Rather than answering my direct question regarding the status of my account and whether or not this would affect my credit, I got an email response on XXXX simply stating the vice president " is going to reach out to me ''. I have not received any calls or communication since this time.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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:
I was trying to buy a house an I realize I had damaged on my credit report. There should not be any damage on my report its a defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-11-22
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX days late.

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