BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
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:
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. ACCT Name : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX 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 2017-11-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, I sent a letter to Equifax asking them to initiate an investigation of accounts that were reporting inaccurate information on my credit report. Its now XXXX XXXX, and I have yet to receive any response from their agency. I have even sent several follow-up letters, and still, I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Scott Fetzer Financial Group Inc.
State: VA
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 XXXX  account # XXXX, has violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on all XXXX credit reporting agencies that are not mine and I did not authorize. 
The companies can not give me any information and XXXX, Equifax and XXXX refuse to take them off!!! 
I have an XXXX average credit score, I take my credit health seriously. I can not believe these companies are allowed to do this!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Phoenix Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent PHOENIX FINANCIAL SERV a debt validation letter on XX/XX/21 through certified mail with a green receipt ( # XXXX XXXX XXXX XXXX XXXX ) in regards to 2 collection accounts they placed on my consumer reports ( XXXX, XXXX, and XXXX  ). I did not give PHOENIX FINANCIAL SERV written or oral consent to share my private medical or financial information with any consumer reporting agencies. I received the green receipt back to my location on XX/XX/21. The green receipt shows that the letter was received by a person listed as XXXX, an uninterested party in this matter, on XX/XX/21. In the debt validation letter I requested that PHOENIX FINANCIAL SERV send me a breakdown of fees including any and all collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and that they immediately cease any consumer reporting until the alleged debt has been validated by me. It has been 20 days and I still have not received a written response from PHOENIX FINANCIAL SERV. However, on XX/XX/21, I received a notification that PHOENIX FINANCIAL SERV has removed both collection accounts from my consumer reports ( XXXX and XXXX ). I still need a response in writing so that I can exercise my right to validate this alleged debt. PHOENIX FINANCIAL SERV is in violation of 15 USC 1692g ( a ). PHOENIX FINANCIAL SERV is also not in compliance with the HIPPA law. I need this matter to be resolved immediately because it has caused me embarrassment, defamed my character, and placed me in financial hardship. At this time I am demanding that PHOENIX FINANCIAL SERV send me all documentary evidence so that I can validate the alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I applied for a mortgage with Cornerstone Home Lending in XXXX XXXX Texas. The broker XXXX, XXXX ensured me that my income was high enough. He told me to start looking for home so I did. I found a home way under what my the amount which I requested for my application. On XX/XX/XXXX I emailed him requesting the status and received no response. I have called him over 20 times and he will not return my calls. Then he sends me an email on XX/XX/XXXX about having XXXX cash for closing cost which I responded I have XXXX but you are not returning my phone calls. He ran my credit twice because I was expecting an increase in my credit score after paying of a debt but it had the opposite effect. I have already terminated my lease expecting to purchase a home because he lead me to believe that everything was okay. I know for sure he would no do this to his XXXX customer. Then I spoke to another broker at the company explaining to him that his partner was ignoring my phone calls. He said he will find out way and call me back and never did. I feel so hopeless at this point. My credit score is above the 580 minimum required for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-04-01
Company: RGS Financial, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RGS Financial called me back in XX/XX/XXXX. I didn't know who they are, but the representative told me I owed a debt. I asked for their information so I can send them a letter in the mail. I sent out the letter XX/XX/XXXX asking for validation of the so called debt I am claimed to owe. This have been over 50 days ago and still nothing. So I go to look at my credit report and I see they have put the collection on XX/XX/XXXX under account # XXXX. This account is not mine, it says last payment was XX/XX/XXXX. This is not my account, two FDCPA laws are being violated here. One, not responding back with Validation of debt showing my signature on a contract. Second, reporting a so claimed debt that's past the Statue of Limitations and maybe Third, false re-aging of an account. Please see letter sent attached and theXX/XX/XXXX Reporting screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA.XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

Experian Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY 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 2021-11-30
Company: EQUIFAX, INC.
State: MS
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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

Transunion & XXXX XXXX Last verified, date of last activity, date opened, closed date are all reporting incorrectly. I also know that XXXX uses deceptive practices and I feel as if this is one of those cases. 

XXXX Is reporting a debt that I have no way of knowing what it is because they do not show a creditor. This must be deleted, how is this affecting my credit but I have no way of knowing who its from!!!!

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

Complaint:
I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 non-monetary relief
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: TN
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 HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSCAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOTCONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIEDINVALID ACCOUNTS MUST BE REMOVED. EQUIFAX, XXXX, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 U.S Department of Education : 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 2021-04-01
Company: Paramount Recovery Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX. Balance : - XXXX XXXX XXXX  XXXX .... Balance : - US BKPT CT CA XXXX XXXX Identification number XXXX XXXX filed XX/XX/XXXX Status XXXX  XXXX bankruptcy discharged.

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 2023-01-04
Company: EQUIFAX, INC.
State: SC
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX 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