BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: WI
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:
In XX/XX/2022 I started working with the department of XXXX in the resolution & forgiveness program & all the student loans were out of default status & removed on XXXX & XXXX but not on Equifax & the I talked to the Dept of XXXX & they said they reported for the XXXX old loans to be removed & if they dont in a month to do a dispute with Equifax XXXX So I did a dispute for the XXXX loans & my credit went down XXXX points & then the accts. were removed & then my score went back up & then a week later my score went down again & went down XXXX points!! I went from having a XXXX on fico scoring system to XXXX!! & XXXX to XXXX on vantage XXXX system. All from doing a dispute, before the dispute my credit was good, why would doing this dispute lower my score so much the company on my report for these loans reported it back accurate, its the same info before the dispute so why if they claim its accurate even though its NOT why would this make my score go down tremendously!! It is messing me up from buying a home, I have work tooooo long & hard to fix my credit for Equifax to report inaccurate info. I talked again to the dept of XXXX & they said they will send another request to remove the XXXX accounts. XXXX Of XXXX. acct. XXXX {$11000.00} DEpt of XXXX XXXX {$11000.00} XXXX of XXXX. XXXX {$5800.00} XXXX of XXXX XXXX {$3200.00}. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX If you call this that is being reporting on these accounts it isn't even the dept of Education, a rep. I talked to about this called & she confirmed this is not us, not only is Equifax reporting false info on my report but the company is NOT even a part of the department of education. I dont know who this company is but they are reporting false info & The real dept of education has already notified Equifax to remove these 4 accounts!! Equifax should truly investigate properly & stop putting info on my report that is suppose to be closed & removed!! I appreciate if they correct the manner asap!! THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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. The List of accounts below has /olated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # 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 me281any consumer report containing any of the following items of information Any other adverse Item of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C 1691s-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 information in 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 2023-05-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified of an alleged debt that Enhanced Recovery Company say I owed I reached out to them and informed them that the alleged debt that they choose to report it unlawfully being reported this alleged debt was a repeat that I once disputed and and it was removed.. the original company XXXX did not have permissible purpose by law to report sell or furnish any of my private information to any third party agency by it being an collection the debt has been cancelled debt and now IRS looks at it as gross income and income is not apart of one consumer report, Cornell Law 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So this alleged debt that you are reporting is illegal and goes against Consumer Law, According to XXXX XXXX XXXX, they are not licensed to collect any alleged debts period in the state of Florida. This alleged debt is a repeat from another collection company and illegally being reported on my consumer report I notified them of this inaccurate information they are choosing to report and hope now you can step in to help matters more properly. I attached my dispute below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the XXXX to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2021-01-01
Company: EQUIFAX, 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:
It has Been More Than 30 Days Since I Mailed My Disputes To XXXX XXXX, XXXX And Equifax. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I still haven't received a response. I feel as though I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so the items should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was impacted by the XXXX data breach and may have gotten 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 explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: AZ
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 sent out a round of disputes a while back with zero response from the bureaus, did they even process them? I am seeking a resolution on my credit.

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 2019-03-21
Company: TD BANK US HOLDING COMPANY
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: Was not notified of investigation status or results

Complaint:
I closed cancelled a XXXX XXXX insurance policy for my XXXX phone in XX/XX/XXXX. I was continously billed for the service after the policy had been closed. This non-payment lapse of greater than 90 days was reported to the credit bureaus and my FICO score plummeted. I paid {$95.00} in XX/XX/XXXX to close the account. This included late fees and monthly policy premiums. I would like repayment of the {$95.00} and the credit bureaus notified to the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: DC
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 alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXXXXXX XXXX representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXXXXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXXXXXX XXXX  ( one has already been completed ). XXXX XXXX  can schedule the payment if they want assurance. XXXXXXXX XXXX knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXXdischarged Reference XXXX .Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2023-05-04
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Account Number XXXX Dear Sir or Madam, I am writing in response to your collection notice regarding a debt from XXXX XXXX XXXX XXXX XXXX for {$1300.00}. According to your notice, this debt was incurred on XX/XX/XXXX and is currently in collections. 

However, I would like to dispute this debt on the grounds that it was included in my XXXX XXXX bankruptcy, which was discharged on XX/XX/XXXX. The debt in question was discharged as part of my bankruptcy and is no longer owed. 

Please see attached bankruptcy documentation that demonstrates XXXX XXXX XXXX XXXX XXXX was included. I have reported to the FTC that you cease all collection activities. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: JPMORGAN CHASE & CO.
State: WY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Chase credit card on our around XX/XX/XXXX. They advertised a good deal on balance transfers and said the transfer would take 5-7 days. I tried contacting them via their website and was told the transaction was " pending. '' I called them on XX/XX/XXXX and was told the transaction would go through " XXXX XXXX XXXX. '' It did not. I called again on XX/XX/XXXX and was told the transaction would " go through XXXX. '' It did not. I have since contacted Chase to cancel the account. I resent being lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Click n' Close, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried through multiple companies & different people ways to save my Home to no avail! Id lost his teaching job due to Covid. After battling unemployment & trying to regain employment Ive sadly continued hitting dead ends. With No help or any kind of needed information which could be available in helping me save my home. Ive been treated rudely & also feel like Ive had my valuable time wasted when it couldve been used in whatever I do need to be focusing on to save my house instead of what Ive been dealing with. With my home mortgage provider I was given total of only 6 months of the offered forbearance program, instead of XXXX months that Ive read others had been given. I cant understand why I wasnt offered such an option as well? Instead Ive been thrown into foreclosure. Weve been talking to home counselor & have been getting a run around, no answers, no phone calls back or emailing until weve sent many out. We were told today that weve taken too long and not sure if they can or cant assist us. We owe {$190000.00} and home is worth {$500000.00}. Under no circumstance would it make sense to have our home go to auction. Due to not having employment makes it impossible to get an equity line of credit or refinance. Im a member of the XXXX XXXX in Washington state. For my income I receive a per-capita of $ 2400 monthly for my income including Along w/2 renters at {$650.00} a month whom Ive had for over 2 years plus. Ive been renting rooms from my home as income since purchasing the house 7 years ago. To help me pay my living expenses in general. Ive claimed this income on my taxes as well. Combines income is $ XXXX $ XXXX {$3700.00} monthly income. I REALLY need some assistance please. Ive read all these other options offered from Covid relief and cant understand why Im not qualified for any of them? I feel like the people Ive spoken to have only caused me to waste time. I dont have to waste

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: TX
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:
As of XX/XX/2022 Experian Credit Bureau dropped my score by XXXX points from XXXX ( XXXX ) separate collection notations but ALL XXXX from same collection company for the same original creditor XXXX XXXX . All XXXX items {$75.00}, {$330.00}, {$190.00} could not be mine because I was not present in Colorado at XXXX on alleged service dates! I've requested the XXXX items from the same company be removed deleted immediately but Experian Credit Bureau refused! Last year the same collection items were listed, I disputed & they were proven inaccurate & DELETED. Now, XXXX later and the same XXXX items from the same collection company are listed AGAIN! The collection company refused to remove or verify the debt. Experian refused to verify and delete the false claimed debt! Please help?! I thought it was over last year but now it's back. I don't know what to do?! Also, isn't medical debt under {$300.00} or {$500.00} NOT allowed to be listed on credit report by law?? Even if it is allowed, it's not me or my debt & was already removed last year but now listed AGAIN. Please help me know what 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 non-monetary relief
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$5700.00}

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 2022-12-18
Company: Experian Information Solutions 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:
Updated Report : Utility service registered with my personal information as a result of an identity theft event. Please remove this record off my credit report : XXXX XXXX XXXX. Acc XXXX. Balance : {$590.00}. 

Someone in the State of North Carolina rented a residential property in XXXX during the Covid 19 pandemic, using my personal information and I was XXXX the same year due to failure to pay rent. I have never been in the State of North Carolina nor I have never signed any residential lease for any property in the State of North Carolina. I have been living in the State of Florida since XXXX of XXXX. At the time of this event I was living at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL, XXXX which is a private apartment complex managed by XXXX at XXXX XXXX ( ph : XXXX ) and my employer was located in XXXX XXXX as well. Updated XXXX : I have noticed another negative record on my credit report as a result of this incident - XXXX {$590.00}.

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 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. There is a huge disparity between all 3 reports ... ... some items were removed some were not ... ... I have never filed Bankruptcy ... .I have proof from the courts that they don't supply any information to any 3rd party so were did the bureaus get this information? I am prepared to go as far as I need to get my life back together!

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