BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1700.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, 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:
XXXX XXXX ID XXXX XXXX - XXXX FILE # XXXX - EQUIFAX - Unknown MULTIPLE FAILED ATTEMPTS TO HAVE NEGATIVE INFORMATION AND OLD ADDRESS REMOVED FROM CREDIT AGENCIES Including multiple disputes and letters. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : In reference to 15 U.S. Code 1681 Law, Accurate and Fair Credit Reporting I am asking for removal of ALL NEGATIVE ACCOUNTS, LATE PAYMENTS AND OLD ADDRESSES. I HAVE MADE NUMEROUS ATTEMPTS REQUESTING THIS TO BE DONE BY ALL AGENCIES ( EQUIFAX, XXXX, & XXXX ) AND THEY HAVE NOT COMPLIED WITH MY REQUESTS. 

These negative accounts reported on my credit reports have been a hindrance on my life. I have made multiple attempts to have them removed from Equifax, XXXX and XXXX. and I would appreciate if you would enforce any action needed to the 3 major credit reporting agencies to have these accounts removed. This is a defamation of my character and has resulted in a failed attempt to become a first time home buyer. 

I HAVE ATTACHED MY ACCOUNT NUMBERS FOR EACH AGENCY for reference. Also attached is a copy of my drivers license and a current bill to prove my identity. 
Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Sequium Asset Solutions, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sequium Assets put this account on my credit report years ago and it was removed. Now they have put it on my account again with a new open date of XX/XX/2020, which is when COVID hit, but the same {$81.00}. I have spoken with XXXX XXXX at Sequium Asset and he refused to even tell me what kind of account this is. Also, I have proof that I did not live at the address he has on file during the time they claim this account was open, as I lived in an entirely different city ( I have a lease for the address I actually lived at during that time ). I can not even get an account number for this debt, which was put on my credit report years ago and removed because they could not validate the debt, now it is back on my credit report with a new open date, but the same amount. They should be banned from credit reporting since they report false information in order to blackmail people into paying debts they do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX a formal complaint was mailed to EXPERIAN to go over a account that was on my credit that i had no knowledge or have I dont business with. I have yet to receive any communication that my dispute would be processed.

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 2023-02-17
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: NJ
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:
Inquiries I don't recognize

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 2023-02-09
Company: EQUIFAX, INC.
State: KY
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, US DEPT ED : # XXXX, XXXX/DOFED : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission. 

Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the XXXX XXXX court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law. 

The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights. 

In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental. 

I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: FL
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 already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Other problem getting your report or credit score

Complaint:
I was notified by XXXX XXXX on XX/XX/2021 that my credit score changed.When i checked, i found it had dropped 36 points from Transunion for no apparent reason and could find nothing indicating why and there were no changes in payments, credit use or derogatory remarks from anywhere or reasons for the drop.I contacted Transunion only to find they would not give me any information but offered to charge me to obtain a copy of my report either over the phone or from their website.I then found that i could get an annual report for free and requested one.I also have had on time payments for 44 months, no missed or late payments, only use 33 % of my total credit which should be less with my last payments, have not applied for any credit or have any accounts in collection and do not understand why the large drop when i have worked so hard to repair my credit.I went through a large drop last year due to fraud and proved it was fraud that dropped my score 86 points only to have it raised back up 24 points when i did nothing wrong which is not right or fair and this practice is not right and only hurts me for no reason and should not be allowed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid 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 did purchase of flight ticket through Delta on XX/XX/XXXX, and I got an ad of Delta SkyMiles Gold American Express Card popped to the screen when I checked out. In this ad, I will get {$250.00} statement credit on a Delta purchase and 40,000 bonus miles after {$2000.00} purchase on the new card ( I attach the ad here ). It was an attractive offer for me since I just need to book the ticket through Delta. I did apply that card immediately and got approved with the temporary card information that I could use to place the order of the Delta ticket ( {$280.00} ) on that day ( XX/XX/XXXX ). This week, I received the credit card, then I active and set up that card but I did not see the {$250.00} statement credit. I contacted with the Amex customer service and I was told I did not have the sign up bonus without any clear explanation. It is ridiculous to me since I am confident with my credit history. I can not understand that the card application was approved without any sign up bonus which is the most attractive reason for people to apply for a new card. The whole process seems like I was cheated to apply for a new credit card with {$99.00} annual fee and the hard pull will decrease my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: OK
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:
XX/XX/2022 : I received my credit report from Experian that reflects the last 4 digits of my ss # XXXX and that's a very bad error that I thought XXXX was making. 

My legal and actual last 4 of my social security number is XXXX. 

Their error is placing me in the most uncomfortable impending unknown danger and has already harmed my social security earning record statement which is missing valid earnings that has been altered by decrease for some years of my employment reported to XXXX  tax filings prior to me living off of my social security XXXX now that I'm 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 2023-09-15
Company: EQUIFAX, INC.
State: NC
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:
I XXXX XXXX examined my credit report and found a late payment dated XX/XX/2023 from XXXX  XXXX. According to Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A late payment or credit note is consider a transaction. 

Account Name : XXXX  XXXX Account Number : XXXX Please remove this negative item from XX/XX/2023 and update to current/terms met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Their investigation did not fix an error on your report

Complaint:
I have reached out numerous times to all 3 credit bureaus regarding negative reporting on my credit report like late payments, charge offs and collections accounts. I have not been successful in any of these times. I am currently in the process of trying to buy a home and this negative stuff is affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Their investigation did not fix an error on your report

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, my questions and concerns ( or disputes ) regarding my XXXX  XXXX XXXX and XXXXDept. of Edu accounts have been redirected, ignored, reversed, denied, deleted, and added back to my consumer credit report with Equifax. This has been an on-going issue for over 1 year. The Agency will not permanently honor and add these account under my XX/XX/XXXX XXXX  XXXX Bankruptcy as closed with no late payments since XX/XX/XXXX ; although, the agency has re-added the bankruptcy to my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: SUNTRUST BANKS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Suntrust bank and XXXX  is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party Suntrust and XXXX are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!

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 2023-03-12
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:
I had a XXXX XXXX card from 2017 that was paid off in full. But it still shows as a negative item on my credit report. The account is paid and closed as agreed and i would like the item removed off of my credit report. The account has been settled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good Afternoon, I contacted XXXX XXXX after receiving an alert on my credit file of an inquiry. After contacting company I explained to company Ive been a victim of identity theft since 2007. 

Ive had numerous bank accounts, housing and credit opened on my name. XXXX XXXX provided me a credit file that had incorrect information listed - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  Ive disputed XXXX XXXX - debt collector for XXXX XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX  sent documentation to be removed from credit file/ all other credit Bureaus have complied with removal however Experian and XXXX XXXX has not removed XXXX or XXXX XXXXXXXX XXXX which is the collection agency for XXXX. 

Attached is the letter from XXXX XXXX adjusters for removal. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are fraudulently opened accounts. To open account in my name company must ask identifying questions and contact me via phone. I never received a phone call from any of these companies. 

Attached are copies of police reports from XXXX now. Also attached is my -fraud Alert on my credit file. 
- report verification from XXXX XXXX. 
- letter sent of most recent attempt from XXXX XXXX. 

I have done my due diligence in contacting CFPB, FTC filing Police Reports, Registering on all major credit bureaus as an Identity Theft victim. This has been a nightmare. Please Help.

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 2023-09-15
Company: EQUIFAX, INC.
State: GA
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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX small business adminXXXX, 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 response to consumer: Closed with explanation