BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-14
Company: International Computer Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my credit reports in preparation for going through the process of a XXXX XXXX background clearance with a military special operations unit. On XXXX, XXXX, and XXXX I found a collections account dated XX/XX/2018 for a debt I do not own, and have no knowledge of. It is a rather small amount, but since it is not mine, I am unwilling to pay it out of principal. 

I disputed the report with XXXX, XXXX, and XXXX directly. The collections company responded to the disputes back to the Bureaus that it was my debt. I also sent collections company a certified letter directly to their mailing address, signature required, requesting they validate the debt within the time require by law ; the collection agency did not respond to me, or validate the debt. They have recently reported to the credit bureaus, " Account information disputed by consumer, meets FCRA requirements. '' My name is a common one and there are several individuals in this state, and indeed in my very town, that have had problems and are in many court records for debts. The collections company claims I owe a utility bill. However, I was overseas, and did not have any utilities in the state for several years. Further, when I was in the state our utilities were in my spouse 's name, then in a tenants name the entire period we were overseas, then again in my spouse 's name upon our return -- never mine. I have no contracts with the company the collections company claims I owe, and never used my name to open any. I even sent a letter to the utility company in-question asking for them to validate the debt ; they have not responded either. The fact that neither company has attempted to contact me personally, when they should have the very address I live at and supposedly had an account for, is irony at its best. The fact they won't return my requests, is contemptuous and a flagrant disregard for the law. 

Please note I can provide copies of my passport that clearly shows I have been out of the country for many years, and only recently returned to the United States on a part time basis. 

I have no problem paying for a debt I owe ; I do not owe this debt. I am very much opposed to tactics like this, and how companies can get away with it. Further, this has a direct impact on my XXXX XXXX. In many cases, the expeditious thing would be to pay it. Morally, I can not do that. Thus, for that reason, I will pursue this aggressively. 

The agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, 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: 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 XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2018-09-14
Company: Experian Information Solutions Inc.
State: DC
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 am again requesting that Experian comply with the FCRA and provide the requested information which I requested on XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I requested : " description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, telephone number of any furnisher of information contacted in connection and documentation used to verify the dispute with this re-investigation '' As you can see from the attached dispute results, none of the information requested has been furnished on any of the investigations FCRA, Section 611, paragraph ( 6 ) ( B ) specifically states : ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) states a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Experian required to conduct investigations of disputed items with the furnisher of information and as such should be able to provide me withe the information per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ).

I am requesting ALL of the information.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I recently received a copy of my credit report, and I noticed some inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2019-01-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian did not fix the dispute on the investigation I was told that this XXXX XXXX XXXX is a null contract which is illegal so experian and XXXX needs to fix this I shouldn't have to pay anybody to dispute anything for me this is violating my civil rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We bought the home in XX/XX/XXXX. We paid the mortgage on time for many years. XXXX XXXX, XXXX became ill and passed away. After he passe away his family XXXX XXXX & her son took over responsibility for the home. They have been robbed by numerous attorneys in their process, document enclosed attorney XXXX XXXX who collected {$4700.00} from XX/XX/XXXX until XX/XX/XXXX. for a loan modification of which he did not get for them to save their home. 

This family has been wrongfully denied a a loan modification. They have tried over and over again to get help. XXXX XXXX is employed with the City of XX/XX/XXXX with an income of over {$100000.00}. per year. Wells Fargo accepted two mortgage payments from this family XX/XX/XXXX and XX/XX/XXXX and the 3rd payment they submitted was returned to them and now they have a sale date of XX/XX/XXXX. 

This family is definatly qualified for a Loan Modification. Wells Fargo re-entry team just played games with them, constantly changing the point of contact, changing the underwriters, as soon as they submitted what they requested they would come up with another list of requests and due back in one day etc. 

Wells Fargo did not review their documents - because they kept asking for the same documents and when the did look at them they said that are too old, and when they asked for a supervisor, they would send them to a voice mail and when they called the point of contact was never available.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-09-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: California Business Bureau, 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: Account status incorrect

Complaint:
An account from California Business Bureau Account # XXXX is reporting on my XXXX report. I bill that they mailed me is in violation of U.S.Code 1692 b 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and FDCPA Discussion. 

I am attaching a copy of the bill as proof, and furthermore I have already verified with the hospital that this is a billing error. They have made it clear that the patient was in fact covered at the time of this hospital visit. This error on my report has caused my business much harm and CBB should know that if this item is not removed I will take legal action. A copy of the FCRA is also attached as you will find this error is also in violation of many codes listed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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 is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by Equifax back in XXXX of XXXX but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, Equifax nor XXXX XXXX. 

I have contacted XXXX XXXX directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

Equifax is reporting an open date o XX/XX/XXXX, a high credit of {$350.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as XXXX XXXX is clearly in violation of the consumer laws and should delete this account from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I filed a XXXX  XXXX bankruptcy to stop a foreclosure sale on my property. The notice of bankruptcy filing was received by the company ( Mr. Cooper and XXXX ). But on the day of the scheduled foreclosure sale, they sent a company to my home to change the locks. Those individuals went into my home and stole many items from my home. Also, my XXXX son was in the home during that time and thought that it was a burglary. He was terrified. He called me on the phone and I left work to get to my home. 

I have a copy of the work order and the police report that I filed. I also have a video, because I had cameras in my home at the time. On a different date, they also put a lockbox on my home so I couldnt enter. All while I was in a XXXX  XXXX bankruptcy. 

Also, in XXXX, I filed another XXXX  XXXX bankruptcy and contacted the loan servicer to make my payments. XXXX XXXX The Loan servicer ( Mr. Cooper ) told me that my payments were {$940.00} and I was paying that amount. XX/XX/XXXX, the the mortgage company ( XXXX XXXX XXXX XXXX  XXXX ) filed for a relief from stay sighting that I was paying the wrong amount. They said the correct amount was {$2500.00}. I feel they intentionally misrepresented the payment amount. Then on XX/XX/XXXX, they sold my property at a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( DEPTEDNELNET account # XXXX Date Opened : XX/XX/2012 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX Credit Bureaus . The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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 XXXXXXXX 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