BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: KY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX Experian has failed to give me the XXXX partys true method of verification of the investigation. In pursuant to 15usc 1681a ( e ) as stated before the 3rd party organization must provide an individual of the consumer, friend, neighbor or associate who knows information on this XXXX XXXX XXXX XXXX  account. The XXXX partys information on the investigation may not include factual information stated by the law. Since They did not provide this information, I demand you to remove this account from 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 2023-11-18
Company: Experian Information Solutions Inc.
State: AR
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:
I am sending to follow up on my previously submitted complaint dated XX/XX/2023, in which I detailed my unfortunate experience as a victim of identity theft. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I would like to reiterate the urgency of the situation and emphasize the imperative requirement for the prompt removal of fraudulent inquiries and associated information from my credit file. As stipulated by the mentioned section, Credit Bureaus are mandated to remove any items listed on an identity theft report not later than 4 business days. I have enclosed, once again, the pertinent details of the reported issues, including the ID THEFT REPORT # XXXX for your reference. Additionally, I express reservations about the accuracy of the details provided by the Credit Bureaus concerning these items, as they remain unknown to me. For your convenience, I have outlined the specific items that require immediate removal from each Credit Bureau : EXPERIAN : 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 response to consumer: In progress
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-03-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report. 

Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. 

The list of accounts below has violated my federally protected consumer rights.

The Credit bureaus stated my account was properly reported and investigated but how is that possible if the open date is inaccurate, the last active is inaccurate, payment dates are not correct, and the last reporting date is not accurate. This ground for removal they also violated my rights under :

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: MO
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 violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX Acct Service # XXXX Account Name : XXXX # XXXXXXX 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 and other adverse item of information, other than 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 any reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
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:
CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX and Experian. 
I recently experienced fraud involving my information, unauthorized inquiries without permissible purpose and invalidated accounts still reporting negatively on my credit report. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX, XXXX and Experian to date. I would like any and all accounts/inquiries removed that should not be there as they are impacting me negatively. I have been denied auto loans more than once recently due to these accounts on my credit being inaccurately reported. The companies did not receive my permission to obtain anything from my credit being as they were third parties and my information was shared without my knowledge .The collections shown are unable to produce proof of debt validation, committed auto fraud against me and the contract has been rescinded, sold my info to another company ( illegal ) or past statue of limitations and still on my report ( illegal ) never gave XXXX XXXX XXXX or Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. XXXX, XXXX, and Experian is in violation of 15 U.S.C. 16816,15 U.S.C. 1681c, [ 15 U.S.C. 1681d ] 5 U.S.C. 168le ] ,15 U.S.C. 16811, [ 15 U.S.C.

1681q ] and 15 U.S.C. 1681n, [ 15 U.S.C. 1681s-2 per the FCRA. I would like these items/inquiries removed immediately as I am not able to better my l situation with these still in place. If not I will be forced to pursue legal action and plan to seek remedy for damages. My current address is XXXX XXXX XXXX XXXX, Tx XXXX and I do not wish to have a phone number in place and am not obligated to. Any other personal information on my report should be removed as I can not be contacted through those avenues and some I do not even recognize as that information has never belonged to me : 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 Please remove all non-account holding inquiries over 30 days old. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed Thank you for your assistance. 
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 2023-08-16
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had several issues since opening the account. They failed to pay our taxes when we first moved in and we were getting notices from the county telling us we had to pay a lot more than we would have had they paid it on time. They argued with me and told me they didn't have to pay the amount that I was given on my government tax bill. After over a month of arguing and calling almost everyday, they paid our county taxes. Then they decided to only pay half of our insurance last year. All of this is supposed to come out of our mortgage escrow. Now they are taking over {$500.00} more a month from our checking account because they have the anticipated insurance amount wrong. I have the bill it is {$1300.00} less than what they are saying. I have sent them this bill as requested. I have called. Nothing is being done to fix the issue. We have to call consistently and argue with them to get our money to be used for our taxes and insurance correctly. We almost didn't have insurance because of them. No one there seems to be concerned that they are taking {$500.00} more a month from us because they have " anticipated '' our insurance and likely our taxes incorrectly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: NY
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 have a yotta account with a credit builder pre paid credit card. They approved a charge for {$370.00} when funds werent available. I deposited by direct deposit {$100.00} per pay check and paid off the amount of {$370.00} by XX/XX/2023 and even responded to their emails stating if i didnt make a payment they would report me as late. they responded thak you for the update we will update your account. They reported my 60 days late with full balance still owed and my score dropped by XXXX points. i was denied housing because of this. i re disputed this with credit bureau and its on my report as disputed. Today XX/XX/XXXX all 3 bureaus reported me as 120 days passed due with a balance of {$170.00}. as of today a have a available balance of XXXX. I withdrew all my funds and demanded this account be closed for over a month. I submitted all the proof to you see past complaint against XXXX as well as uploaded it to the credit bureaus. So before I end up homeless due to this not even error at this point. its a deliberate action on the part of all parties at this point, id like XXXX, XXXX and experiann to remove synapse info off of my reports

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 2023-03-17
Company: Experian Information Solutions Inc.
State: IN
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 bureau 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 2023-03-17
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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. 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 2023-03-17
Company: Experian Information Solutions Inc.
State: VA
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:
There are several inquiries on my credit report that I did not authorize nor have given authorization to pull my credit report on the dates below : 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 2023-04-30
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Well I applied for thru some other people on some other hype so it jus went left it jus was not coo it was only {$250.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Law Office of Michael J. Scott, PC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I XXXX XXXX are writing to you in reference to a charge off account with XXXX XXXX XXXX XXXX agency is Scott & Associates PC is reporting a collection amount of {$970.00} with a closing date of XX/XX/18. This debt exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO NOTE : I already disputed on CFPB about this same case last year. The case number is XXXX. The company responded and removed the debt off my name. But I don't know why it is showing up again this year. 

National Credit Systems Inc reported that I owe them {$150.00} when I stayed with XXXX XXXX XXXX XXXX XXXX. However, the debt actually belongs to someone else who stayed at XXXX XXXX XXXX XXXX XXXX but left even before I moved in. We have the same last name and our first names are similar. The first three letters of the first names are the same. This might have caused the company to think that we are the same person. I entered the United States in XX/XX/XXXX for the first time and moved into XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. However, this charge was caused by the previous tenant when they moved out on XX/XX/XXXX. I have US customs documents to prove this, if necessary. In XX/XX/XXXX, a debt of {$150.00} showed up on my credit report. XXXX refuses to remove the debt off of my credit report. So I had to contact National Credit Systems ( NCS ). NCS sent me the files including the itemized charges and the lease on their record. All these files show the previous tenant 's name on it, not mine. I disputed to them, sending my id, trying to prove to them that I am not the debt owner. I even sent them my US customs documents, showing that I had never even entered the US until this point. Still, they say that this is not enough, and I need more proof. This issue also happened in the past with this same person. They owed XXXX XXXX XXXX {$550.00}. This caused a mess to my credit report and I noticed it when I applied for my first credit card in XX/XX/XXXX. I called the main credit bureaus such as XXXX and XXXX to remove the debt for me. They did, without issue. The debt owner and I do not even have the same name and she moved out before I even entered the US for the first time. In the attached documents, you can see that debt owner and I are completely different people. Description for the attached documents : 1. NCS Account.pdf- shows the debt information including name, amount, account number and the unit number of the XXXX XXXX XXXX XXXX XXXX ( All this information shows the debt owner is not me. ) 2. Itemized Charges {$150.00} from NCS.pdf -- shows the charging details. Again, the listed residents are not me. XXXX. XXXX XXXXXXXX XXXX  -- This is the lease I signed with XXXX XXXX XXXX XXXX XXXX for unit XXXX, starting from XX/XX/XXXX. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX  -- This is the lease the debt owner signed with XXXX XXXX XXXX XXXX XXXX for unit XXXX. XXXX. XXXX -- This is the dispute case details on CFPB that I submitted last year.

Company response to consumer: Closed with explanation