BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : Dispute of Late Payment on Credit Report - Reference : XXXX XXXX XXXX XXXX Loan # XXXX To Whom It May Concern, I am writing to formally dispute a late payment that has been reported on my credit report, specifically referring to the Fair Credit Reporting Act ( FCRA ). This late payment, as reported by Equifax, was allegedly associated with my account with Bank XXXX XXXX Mortgage, and it is having a detrimental impact on my creditworthiness. 

On XX/XX/2023, I diligently mailed my mortgage payment check in the amount of {$1000.00} to XXXX XXXX XXXX XXXX, which was due on XX/XX/2023. The payment was dispatched through the United States Postal Service ( USPS ). On XX/XX/2023, I proactively contacted XXXX XXXX XXXX XXXX  to confirm the receipt of my payment. During this conversation, the representative acknowledged that my payment had indeed been received ; however, they failed to mention any processing delays or the length of time it would take for the payment to be reflected on my account. 
My assumption was that, given the confirmation of receipt, the payment would be promptly credited to my account. Moreover, XXXX XXXX XXXX XXXX  's payment instructions explicitly state, " To ensure your payment is credited on the date of receipt ... '' which led me to believe that any delay in processing was not my responsibility but theirs. 

In accordance with the information provided, my check should have reached XXXX XXXX  XXXX XXXX  's mailbox no later than Saturday, XX/XX/2023. The discrepancy arises from the fact that the 30-day late mark on my credit report was applied due to the payment 's processing date, not its actual receipt. 

In an effort to resolve this matter, I have previously requested documented proof from XXXX XXXX XXXX XXXX regarding the date of receipt of my payment. Regrettably, my request was met with refusal, and they have failed to provide any such evidence. 

By reporting inaccurate credit information, XXXX XXXX XXXX XXXX appears to be in violation of the Fair Credit Reporting Act, which is intended to ensure the accuracy of credit reports. It is apparent that the late payment notation is unfounded and damaging my creditworthiness. This situation has already resulted in tangible financial losses for me. 

In light of these circumstances, I respectfully request that the credit bureau promptly conducts an investigation into this dispute and, if found in my favor, removes the late payment from my credit report. Failure to do so would not only constitute a violation of the FCRA but also prompt me to consider legal action to protect my rights and seek redress for the damages inflicted upon me due to the unprovable, unvalidated, and inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
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:
I recently received a copy of my Equifax credit report today and found proof that they are still illegally reporting inaccurate information about me. The 2 following alleged collection accounts with XXXX XXXX is listed with a Past Due balance of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This is a violation of the FCRA and it's in violation of requisite METRO2 Compliant reporting standards. 

This has been my 4th attempt to get them to update the collection account on my credit report and each time it changes to open to close to open to close... now showing a past due amount on both accounts which can't be allowed if it's a closed charge off. 

Please IMMEDIATELY remove these 2 accounts from my credit report and have them send me an updated report showing they're in compliance with all the XXXX reporting standards and these accounts removed upon completion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: VT
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:
This complaint is about the XXXX credit reporting agencies ( XXXX, Experian, and XXXX ). One financial institution pulled my credit from all XXXX agencies at the same time for the same credit but it's reflecting on my report as XXXX different hard pulls which is negatively affecting my credit. I have XXXX inquiries on my credit, XXXX of them are creating triple inquiries. Information in the credit report that isn't disputable is affecting the XXXX XXXX, XXXX states " insufficient length of credit history '', I've had a mortgage for the last 5 years and have an auto loan that has a XXXX XXXX XXXX  and I'm XXXX XXXX  into it. Experian and XXXX have similar statements " lack of recent insallment info ''. While each of these agencies allows you to dispute the information from the reporting creditor, there isn't a place to dispute the scoring method information they provide which isn't accurate.

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 2023-06-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have already sent letters to the Credit Bureaus to update or remove incorrect / previous addresses on my Credit Report. However, it has been more than 30 days but to no changes at all. I have submitted all necessary documents such as a copy of my ID and Proof of Address which shows my identity and current address, respectively. I also reported this matter to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, one of their third-party collectors did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Heritage Financial Group, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent off a debt validation letter to Heritage Acceptance Corporation. It was delivered via certified mail ( USPS ) on  XX/XX/2020. 
Heritage did not complete the debt validation form as requested in the letter which will be included in this complaint. I have highlighted ( Exhibit B ) the areas in the form that were supposed to be completed by the corporation, but has failed to do so. 
Heritage Acceptance Corp has also clearly violated the FDCPA.

15 USC 1692b ( 5 ), " not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt '' ( I have also highlighted this violation in Exhibit A ) 15 USC 1692e ( 11 ), " The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. '' Heritage failed to disclose in their communication via postal mail that they were attempting to collect a debt which violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: NC
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 home and i realized i had damages on my credit report and according to the according to the 15 U.S.C 1681 law there should not be any damages on my credit report its a defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: CA
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:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-12-03
Company: EQUIFAX, 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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2019-07-06
Company: Recovery Solutions Group, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX XXXX Got an email from XXXX XXXX about having a personal asset investigation on me for debt owed of {$18000.00}. He indicated that he has tried to contact me but this is the first time i received an email. I have never received anything in the mail from this debt collector. I asked what the debt was about and he will not let me know anything about this debt. He says i have to call. In his initial email he threatens, " My investigators will attempt to locate anything of value that can be auctioned off at Sheriffs Sale or levied through the courts once my client obtains judgement ( Property, Tangible Assets and Bank Accounts ). '' I did respond to him requesting what the debt is and he again refuses to attach any information. I told him to send me something in writing. I do not want to call because then i have no transcript of the situation. Why was there not an attachment of debt to the account to begin with? Why is this company doing an asset investigation on me? For what? i do not understand what this is or what is going on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: FL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: FL
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 at the list of account below has violated my federally protected consumer rights to privacy and confidentially Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX Collection company name : XXXX XXXX  Account number XXXX XXXX Collection Company name : XXXX  XXXX XXXX XXXX 
Account number XXXX Collection company name : XXXX XXXX  Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX Collection company name : XXXX XXXX XXXX  Account number XXXX Account number XXXX 15 USC 1681 section 602.a States I have the right to privacy. Section 604a also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 conviction of crimes wish antedates the report by more than seven years 15 USC 1681s2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable calls to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to buy parts on XXXX and sent money through Wells Fargo transfer, after the transfer the seller just blocked me and no response, I called my bank Wells Fargo and told them the situation. I sent money thinking I'm safe because its a bank transfer but im out of money and no parts either, please help me get my money back. I sent XXXX $ on the XX/XX/2019

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 2019-07-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX my purse was stolen while sitting at a restaurant/lounge. A couple weeks later their were credit card accounts, utility bills, and loans in my name I never applied for which I've disputed. In XXXX someone filed taxes in my name as well. I filed a police report and sent it to the IRS but never received it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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: Account information incorrect

Complaint:
Experian is refusing to investigate my dispute properly, im simply explaining that XXXX at XXXX XXXX has not sold this debt and XXXX XXXX XXXX. 

*XXXX  at XXXX XXXX XXXX no longer in existence. 
*This can not be labeled as ( accurate ) if the company is not a real company. 
*Experian only validates one side of the complaint with out investigating any of my facts *I never received validation of ownership about this account that is a lie. 


i think it is pretty simple to investigate but they ( Experian ) refuses to due so every time i will be looking into legal action for discrimination against me after this request. Experian has not done a fair investigation on this matter. Experian is being bias in this situation by only choosing to listen to one side of the dispute.

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