BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: MO
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 writing to formally dispute and request the investigation of several inaccuracies and fraudulent activities on my credit report obtained from your bureau. After careful review of my credit report, I have identified the following discrepancies that require your immediate attention and resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
The personal information listed here are inaccurate and seems does not belongs to me. I dispute the accuracy of the collection accounts listed above. I have no knowledge of these accounts, and I have not been contacted by any collection agency regarding this alleged debt. I request a thorough investigation into the validity of this debt and ask that it be removed from my credit report if found to be inaccurate. I have not authorized or initiated any credit applications with the companies or institutions mentioned above. These inquiries are fraudulent and unauthorized. I request that they be promptly removed from my credit report to prevent any further damage to my creditworthiness. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours ensure the accuracy of the information they report. Therefore, I kindly request that you promptly investigate these disputed items and make the necessary corrections to ensure the accuracy of my credit report. Enclosed, please find copies of supporting documents, such as identification documents and Proof of Address attached on my letter to assist in your investigation. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated and accurate credit report once the removal have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Scratch Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent in a death certificate and SSN card to Scratch Services to inform them of my father in laws passing. My late father in law has a loan in the amount of {$82000.00} for a solar system bought through XXXX which was acquired by XXXX recently. The financing goes through a company called XXXX who uses Scratch Services. Scratch Services is the company handling this loan. You cant call XXXX directly you have to use Scratch Services. After sending in the required documents they asked me if I wanted to take over the loan. I said no and they stated they would remove the system. I had no contact until XX/XX/XXXX after sending in the documents they required of my father in laws passing. At that time I was in the process of refinancing my home which I acquired on XX/XX/XXXX. My father in law gave me his house on XX/XX/XXXX with a certified Warranty Deed before his passing with the solar loan still in his name. The solar loan had just started a few months prior to this. My father in law was XXXX XXXX XXXX when they sold him this system with a 25 year loan. Since then I have tried calling, emailing this company several times to remove the system from my property and terminate the UCC Statement filed with the Secretary of State of Texas. When I get a response all I get is senior management is working on it or they are waiting to have a meeting about the account. I have demanded the company to terminate the UCC filing and I get no response. I have had no information communicated to me about this accounts status besides they are working on it. It has been five months of being left on hold for hours and sent to voice mail. I got automated email responses until I filed a XXXX  complaint which the company never responded to and it got closed due to no response. Scratch Services has had 43 negative XXXX complaints in the last 12 months with minimal responses. I need the company to remove the solar system and file a UCC Termination Statement immediately. I can not refinance my home until they get this done and it has been five months with no progress trying to work with them. I sent them another message today stating I would give them XXXX for the system. That is all I can afford. This is putting a financial strain on my family and I need the UCC Termination Statement NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: LA
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:
To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep getting stall letters in the mail ; which in fact IT IS ME disputing!

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 2023-09-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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:
The following inquiries are on my credit reports and I didn't give permission for my credit to be ran : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX and TRANSUNION decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These public records are unknown to me and must be deleted from my file. 
XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : 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 2020-09-29
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 previously disputed a public record on my credit report. Equifax said they investigated and the results were provided and confirmed by XXXX. The first issue is XXXX  should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery is attempting to collect for : XXXX XXXX XXXX   XXXX the alleged balance due is : {$760.00}. I never received a notice from the collection agency, written nor otherwise regarding this debt and was never given the opportunity to dispute or ask for validation of this debt pursuant to the Fair Credit Billing Act and the Fair Debt Collections Practices Act. Also, Pursuant to the Fair Credit Reporting Act ... this information was placed on my report without verification by this agency, which is a violation of the Federal law and my rights as a consumer. I have no knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I currently have a home mortgage loan with the company Mr. Cooper. We recently went through a mortgage modification under CARES due to the COVID19 pandemic. We completed our mortgage modification in XX/XX/2021, and resumed payments in XXXX ofXX/XX/XXXX. We made a payment on Mr. Coopers website in XXXX which was due XX/XX/XXXX with a grace period up until XX/XX/XXXX. Our payment came out, but due to an error a duplicate payment was completed. I had to contact my financial institution XXXXXX/XX/XXXX to have one of the payments reversed, which went through. 

I was told by Mr. Cooper to do this, however this caused an issue with my Mr. Cooper account and they blocked me from making any further payments using my bank account which they failed to notify me. 

My spouse setup an auto payment for XXXXXX/XX/XXXX payment, however it did not go through and Mr. Cooper showed me as a late payment. I attempted to make multiple payments through both Mr. Coopers website and on the phone, but they were unable to process it on XX/XX/XXXX. I was eventually able to speak with someone and they explained the bank account was blocked and the issue was fixed. A payment was made XX/XX/XXXX, however it was reversed again. 

I attempted to make another payment as of this report, and it has still failed to process and no one from Mr. Cooper can give me an answer to this. Mr. Cooper has said if the payment has failed to be posted by XXXX XXXX, it will be reported against my credit. 

I've also been charged numerous fees for payment reversals, late fees, etc ... when I am trying to get the payment completed. I was told these fees would be waived, but they still show up on my account. 

This has been an absolute nightmare, and there are funds in the account I am attempting to pay with, more over I have contacted XX/XX/XXXXand they said there are absolutely no issues on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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:
I am submitting a follow up CFPB complaint as to make sure the EXPERIAN and XXXX Credit Bureaus, under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove these items which are found to be opened due to identity theft. And I am just doing a double assurance so that the mentioned Credit Bureaus will REMOVE THE LISTED ITEMS in this complaint. Im re-attaching the required FTC Report for you and personal documents ( learned through more research both parties require ) in this follow up complaint. Please remove these files. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Here are the items I need the Experian and XXXX Bureaus to REMOVE : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$11000.00} XXXX : XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/2022

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT 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 non-monetary relief
Consumer complaint received 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit 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 2023-02-13
Company: Prosper Marketplace, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made an extra {$100.00} payment on XX/XX/XXXX that bounced so a hold was put on my card, even though there was no payment due at the time. I called to remove the hold and the rep told me to make a minimum payment and the hold would be removed. I made two payments, both for more than the minimum payment on XXXX and XX/XX/XXXX. The hold was still active. I called again to have the hold removed and was told by a different rep that it would come off on XX/XX/XXXX. I didnt have any payments due and had made more than my min payments. Ive been a customer less than six months. I spoke with a supervisor who was not helpful so I simply closed my account. She made no attempt to remove the restriction nor to retain my business.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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:
I see items on my report that is not mine. Items are listed below. 

XXXX XXXX  - XXXX collections 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry XXXX XXXX XXXX XXXX XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX - XXXX ( Inquiry ) XXXX - XXXX ( Inquiry )

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 2021-03-11
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:
I submitted 605B request letter to block identity theft information on my report. Per law this was to be done within 4 days. I have also included a police report, FTC identity theft affidavit, proof of my identity. These documents have been received as of XX/XX/2021 but no information has been blocked. I have included a copy of my request for block, affidavit, police report and proof of identity along with this complaint. The documents submitted were not a request to dispute/investigate but a request to block the information under section 605 ( b ). 

Thank you 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 explanation