BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/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 2022-11-13
Company: EQUIFAX, INC.
State: NV
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:
No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. 

my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Inquiries Credit Inquiries- Summary Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-02-03
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I sent a letter to TransUnion disputing the bankruptcy and the items including in that bankruptcy. I have asked them to provide documentation verifying this information as the furnishing of this information is a violation of my privacy ( 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ). TransUnion responded by stating that the court furnished this information. I received a letter from the court stating that they are not furnishers of data to my credit report and did not verify nor did they validate any information therein. I also received information from XXXX XXXX stating that the information being reported is unverifiable. With all this being considered, please provide how you verified this information. It is clear that TransUnion is reporting this information inaccurately and falsely. 

I have resubmitted another asking them to send me information as to how they verified this information and there has been no response.

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 2018-10-27
Company: EQUIFAX, INC.
State: MO
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:
The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXXXXXX XXXX, {$350.00} 3 )  XXXX XXXXXXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have been repeatedly called my a company who has left voicemails stating that it was an alert message notification and that I needed to call XXXX to provide my statement. I did not return the phone calls. On the morning of XXXX XXXX, 2016, I received at phone call at XXXX from an unknown number. I answered the call. A lady spoke to me and asked me if I was XXXX XXXX and I said yes. She asked if my address was XXXX XXXX XXXX XXXX and I said no, and then asked what this was regarding. She said that legal paperwork had been delivered to that address for me and since I had not responded they were attempting to get a response from me. I asked what sort of legal paperwork and was told it was a complaint filed with the XXXX XXXX Sheriff 's Office. I said again that I had not received any paperwork. She transferred me to the " legal department '' where a man then picked up the phone. I again verified that the address was incorrect and asked what this was regarding. I was told that it was regarding an account of mine that was in collections and had been transferred to this law firm. He said it was regarding an accounts previously had with XXXX XXXX for the amount of {$1300.00}. He stated that he was going to email me paperwork that would require my electronic signature to agree to voluntary repayment in order to stop further legal action. He asked me to make a verbal agreement on a recorded line to make payments on this account. I told him I would not make any agreement without proper notification and delivery of paperwork. At that time, he told me that he was going to send out the email and would need an immediate response. He listed the name as XXXX XXXX and that his direct line is XXXX. I gave him my email address and was told he would email the document in XXXX mins. He asked me again to verbally agree to payments and I again stated no. At this time, he stated that he wished me the best of luck when we went to court and hung up on me. A few hours later I received an email with an electronic document attached. This document stated that immediate payment of the full amount was due today to prevent further legal action. After the phone call, I determined that I did previously have a joint account with XXXX XXXX with my exhusband that had been sent to collections, however this account has been paid in full. I also researched the numbers listed and have found them to be listed as fraudulent on many websites. The address listed appears to be a motel in XXXX XXXX CA. At this time, I am unsure what I can do to stop the harassing phone calls. I also concerned that these people have my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management Inc, is the debt collection company. They 're sending me letters about XXXX. I do n't know them or have a debt with them. But they 're reporting it to the credit reporting agencies. I need for them to stop. And the law limits should go into effect about that matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
To whom it may concern, I have stuff on my credit report i 'm disputing that does not belong to me, the collection Agency and creditor will not send me a copy of the signature, they say is mine, which is not mine. I all XXXX collection agencies could not find anything so they told me to dispute it with CFPB, this week i will mail you all the info, they said its listed as mark but i do not go by XXXX i go by XXXX. MCM ( Midland ) will not send me a copy of the signature, and threaten me they are going to turn it over to Attorney. Thank you, XXXX XXXX email XXXXXXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
My problem is not that the original issue was not accurate, my problem is that the reporting agencies ( XXXX, XXXX, etc. ) tend to keep issues on the credit report longer than is necessary. While for Bankruptcy, it does indicate 7-10 years, I find it significantly detrimental to the individual that negative public records are not removed at the earliest convenience, particularly if, in fact, the idea is to improve the financial welfare of not only the individual but the country as a whole after having " served our sentence ''. By keeping these negatives, they are punishing, not reporting.

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 2023-01-24
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: Investigation took more than 30 days

Complaint:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Complaint # XXXX. This is our complaint on file with your agency. I received an email today stating you are passing it to the OCC. I already tried to file a complaint with the OCC and they would n't take it as the lender is a mortgage company and NOT a bank and referred us to you. This is beyond frustrating!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
COLLECTOR AND WENT ON MY CREDIT IGNORED CEASE AND DESIST AND DO N'T CALL ORDERS, THEY FAILED TO VALIDATE SAID DEBT AND CALLED MY MOTHER. 
THE ORIGINAL CREDITOR GOT PAID LAST WEEK BY CAPTURING MY FEDRAL TAX REFUND AND TOOK XXXX AND {$460.00} FOR 2012

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Certegy Holdings, LLC
State: MN
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: Problem getting your free annual credit report

Complaint:
I want XXXX XXXX, Certegy, and XXXX XXXX to send me a full and complete copy of my Consumer 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 2022-12-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-11-08
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/1922 I received correspondence from PayPal about a credit card that was applied for on XXXX. I immediately called them to inform them that someone had applied for this card in my name and that it was fraud. PayPal informed me that they would be contacting the credit agencies to inform them that the inquire placed on my consumer file is fraud and it needs to be removed. They also stated that they opened a fraud dispute. As of today XXXX PayPal is still reporting this fraudulent inquiries on my consumer credit files. I reach out to them again last week and the agent stated that they needed to open a fraud dispute. I don't understand why they are telling me that they are opening a fraud dispute again if one was suppose to have been opened on XX/XX/XXXX when I called them.

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 2023-12-11
Company: Zions Debt Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sold my home in XXXX on XX/XX/XXXX. The new owner took possession of the house a day later on XX/XX/XXXX. A week prior I called all the utilities ( gas, electric, garbage and security system provider ) to cancel all services. I specifically remember sending an email and phone call to XXXX ( my security service provider ) to cancel their service as I had sold my home and was moving out of state. All of their security equipment was left with the house. 
I moved to New York state and purchased a new home on XX/XX/XXXX. Shortly there after I received a letter from XXXX that I owed an additional month payment of {$39.00} for the month of XX/XX/XXXX. I protested this to them but paid it anyway to be done with this situation. In XX/XX/XXXX I received a collection letter from a debt collection service ( XXXX XXXX ) that XXXX sold the debt to requesting a payment of {$790.00} to settle the debt. I refused and XXXX XXXX reported on my credit report as an unpaid debt the only credit reporting service to do so. I sent XXXX  XXXX  supporting documents that I did not owe this debt and it was removed from my credit report. This same debt from XXXX was sold to another debt collector ( XXXX debt } on XX/XX/XXXX demanding {$190.00}. I refused and XXXX XXXX reported it as an uncollected debt. My credit score went from XXXX to XXXX. I made several attempt with XXXX XXXX to have this negative report removed by sending in many supporting documents as before however they will only note on my credit report that it is " disputed ''. No other credit reporting agency has this negative item on my credit report. I would like your help in trying to remove this negative information as I have a long history of paying my financial obligations in full and on time as my credit history shows.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation