BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: DE
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. 


Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
bankrupcy is being reported on my credit report. Bankrupcy # XXXX. I have contacted the court and the do NOT provide, share information with third party credit agencies.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: WV
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 pages of inquiries that was not me and breached data showing up constantly using my email and other personal information alerting me that its showing up on the dark web also I am now dealing with a huge problem with my account through Experian that I pay for to access all three credit bureaus was hacked and it took me forever to get back into it and I had froze and locked all accounts they were all unfrozen. I have never filed for unemployment and now received a statement from workforce wv from the IRS of file taxes stating someone claimed {$11000.00} using my information and have never filed for unemployment. I will filing police reports due to this

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 2018-08-28
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/2018 a Western Union Money order was purchased from XXXX in the amount of {$1200.00}. The money order was written out to " XXXX XXXX at XXXX XXXX ''. On XX/XX/2018 the money order were placed in a Bright Yellow envelope, the envelope was sealed and I wrote my name, address and the complex name and address on the envelope. On XX/XX/2018 I called went online to check the status of my work order and that's when I realized my account was showing a past due balance. That same morning I called the complex and spoke to a XXXX. She informed me the money order were not received. After dealing with her unprofessional behavior I requested to speak to a manager. She refused to give me the managers name, email address or contact information. I reached out to a sister property and was able to obtain the contact information for the corporate office. I reached out to the corporate office requesting a call back, but they refused to return my call. 

I reached out to Western Union to request a stop payment. A case number was given to me. I was also advised to mail the receipts to Western Union so they could reissue the money orders to me. All of this took place on XX/XX/2018. I mailed copies of the receipts to Western Union. On XX/XX/2018 I called to confirm if the receipts were received. Agent advised me that I would need to mail the originals. The originals were mailed on XX/XX/2018 through certified mail. On XX/XX/2018 I called Western Union to see if they received the originals and the agent stated they were never received. I also reached out to my bank for some assistance with this matter and Western Union has been giving them the run around as well. 

As per the the product and tracking report from the USPS it shows XXXX XXXX received and signed for the documents on XX/XX/2018. I have been calling, mailing, emailing and faxing the same documents to Western Union and have not been able to get a resolution. I am 4 days away from being homeless because an eviction has already been processed and the court date has already passed. Can you please assist me in getting a refund? A police report has been filed. 

Please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions 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:
I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report.I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations.

Below are the violations reported : 1 ) Delinqu
ent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws.

2 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy. 

3 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

4 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

5 ) The payment history reported is incomplete.

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 2016-11-10
Company: Alpha Recovery Corp
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call from Alpha Recovery Corp saying that I still owed debt on a credit card that I had 2 years ago, I was under the impression that I had paid off that card in full, it turns out they had an old address on file so I didnt receive anything about it. When they asked me to pay I said that I would pay it this month and if I could n't pay the whole amount I would at least pay part of it, but that I would like a paper bill mailed to me and I gave her my current address. Since there are so many scammers out there, I never just give people money over the phone, I wanted proof of what I owed. The representative transferred me to her supervisor after I asked her to send me a bill, he started off by repeating most of what the previous rep had said so I said, I 'm sorry I 'm really busy right now, will you just send me a bill and I will take care of it. He started to get angry and agressive at this point and said that this account was past billing and I needed to pay my bills. I said " like I told the previous rep.. '' he cut me off and started yelling about how I needed to take care of it and would n't let me speak. I said, sir, if you 're too keep cutting me off I 'm going to disconnect this phone call. He yelled back oh you 're going to disconnect this phone call? Do you think that 's going to hurt my feelings if you disconnect this call? You 're the one not paying your debts. He was literally yelling at this point, I tried to interrupt to tell him that I have every intention of paying debts that I owe, but he would n't let me talk so I hung up. I called the number right back and got another rep, by this time I was sobbing, I have never been treated so horribly by someone who is a supposed to be a professional, I told the rep that answered what happened and also told her that I have every intention of paying my debts and also asked for the manager 's name that I had just spoken to, I could tell she felt bad, but she didnt sound surprised. I googled the company after I got off the phone and found a TON of people experiencing the same issues with this company. The one good thing that came out of it was that it ended up being a learning opportunity for my son, who was unfortunately sitting next to me through the whole thing, on how important it is to be decent human being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: 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:
I had a repo back in XXXX thru XXXXXXXX XXXX and every month since then they update it and report it as a new repo. Every month it causes my score to go down. I disputed it and all 3 corrected it for the month of XXXX causing my score to go up alot. But XXXX reported it again as a new repo so back down it went. I can't dispute it because the system won't let me because I disputed it once already. Not to mention XXXX bank sold my truck to an employee / member instead of sending it to auction where I know it would have went for far more then they sold it for. Then they turn around and have been charging me interest and late fees on top of interest and late fees.

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 2019-06-28
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received notification from Sequim Asset Solutions of a debt supposedly owed to XXXX. I had been a XXXX cable subscriber for 20 years and cancelled the service after changed had been made in my neighborhood and the service continued to freeze and go out. I have XXXX several months to try and fix the problem. They ran new lines, switched equipment, tried many things and each time told me this would fix it. Fox the last month I could not use my services at all and called XXXX and told them so. When I cancelled they want to charge me for the last month of service. I spoke with them and the rep told me that they could see that the cable boxes and internet had not been turned on during that period and they would submit the account for a credit. Then on XX/XX/XXXX I received the collection notice. I contacted Sequim in writing on XX/XX/XXXX ( within the 30 days noted in the letter ) via fax and have the confirmation page, asking them to provide validation of the debt. I never received any communication from them. I then called and was told that I should have not sent the letter in writing but called instead, even though the letter says to submit the dispute in writing. I was then told that it was too late and the debt had already been reported to the collection agencies but a supervisor would call me back. I was in disbelief. I never received any phone calls back. I then sent several more letters via fax requesting validation of the debt as well as removal of the collection from my credit report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Never received a reply of any type. I am requesting that the collection be removed form my credit reports as I have never received validation fo the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: PA
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:
Greetings, I have filed a complaint multiple times about fraud and Identity theft on their online platform. I have called and mailed disputes about the issues numerous times. I also have a police report about the matter. 

All three credit Bureau 's enabled the false reporting, after I expressed the issue to them, and they still continued to allow the false reporting Ignoring the FCRA LAW. 





INQUIRIES ( IDENTITY THEFT ) XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX( XX/XX/XXXX )XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX ( XX/XX/XXXX ) ( FALSE ) ALLEGED DATE OPEN : ( US DEPT ED XXXX ) DATE OPENED : XXXX Experian XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX DATE LAST ACTIVE XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XX/XX/XXXX ( NOT MINE )XX/XX/XXXX Account Number : XXXX ( WRONG INFO ) XXXX XXXX Account Number : XXXX. 
( NOT MINE ) XX/XX/XXXXAccount Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identification card was stolen and someone got a credit card in my name now I have a credit card debt on my credit report and unlimited calls from debt collectors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX Experiment XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023 POSSIBLE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Validation of Debt Request for Account XXXX XXXX Dear XXXX : I am writing to request that you provide me with validation of the debt that you have reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am entitled to receive verification of the debt that you claim I owe. 

I do not recognize this account that you have reported on my credit report. I do not recognize the account number, account balance, nor do I have any recollection of this alleged debt. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor ; The original account number ; The amount of the debt that you claim I owe ; Verification that you are licensed to collect debts in my state ; Verification that the statute of limitations has not expired on this debt ; Documentation showing that I agreed to pay this debt. 
Original purchase agreement or contract from original owner of this debt ; XXXX agreement if applicable from original creditor showing proof of refusal thereof Please note that until you provide me with this information, I dispute the validity of this debt and request that you cease all collection activity. Additionally, you are to remove any negative reporting regarding this alleged debt from all consumer reporting agencies including any third party consumer reporting agencies until such time as you have provided me with the requested information. 

THIS DOES NOT MEET THE ( FCRA ) Thank you for your cooperation in this matter. 

Sincerely, 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 2016-03-22
Company: STONEGATE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Initiated a refinance with Stonegate Mortgage. Supplied all documentation ( credit report, paystubs, XXXX 's etc. ) scheduled and purchased appraisal, appraisal completed, loan to pre-processing. Lender contacts me about derogatory remark on XXXX account on credit report, states loan can not continue until removal of derogatory remark. Instructed me to contact all XXXX bureaus to have remark removed. By this action, FICO score reset from XXXX to XXXX XXXX ruined as it falls below XXXX. Result : No loan, out {$490.00} appraisal fee, credit ruined. Why did the lender not advise me that requesting a removal of a remark would have negative score reset? After working hard to get score up to XXXX now its XXXX. This will damage my ability to try financing from any other institute or could cause damage in my ability to secure employment or any other credit related financial situation that I might come across. How did simply requesting a removal of a comment that should not have been there in the first place cause my score to suddenly drop XXXX points? If making inquiries to credit companies in an attempt to rectify a wrong how are consumers supposed to 'clean up ' their credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist. 

Please help. 
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 2023-05-07
Company: Maury Cobb, Attorney at Law, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX stating that I owe XXXX XXXX I checked the box that indicates that the amount is wrong and returned by certified mail. I have since received another letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector,XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX indicating the same amount, yet with no itemization of the amount in question. I switched mobile carriers in XX/XX/XXXX and was told by t-mobile rep that I could not make the switch until I cleared my account, which I did. Prior to receiving these collection letters, I emailed XXXX XXXX and XXXX XXXX at XXXX requesting an itemization of the charges in question and did not receive any follow-up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Atlantic Recovery Solutions LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Atlantic Recovery solutions called my mom and brother multiple times when they already contacted me which violates the fdcpa.

Company response to consumer: Closed with explanation