BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have raised concerns about the accuracy of this account information with the relevant party, and they have responded by claiming to have verified the debt. I find this puzzling, as I have personally contacted the collection agency in accordance with the FDCPA laws, but they have failed to provide any validation of the debt being mine. 

Attached are copies of my requests to the collection agency, along with the receipts proving that I sent these letters via certified mail with signature confirmation. I want to emphasize that this debt does not belong to me, and I have not been provided with any evidence of my obligation to pay it to this collection agency. 

I have a few questions regarding this situation : 1. If I have a contract with the XXXX, why is a third-party entity pursuing me for payment? 
2. Why is this third-party entity negatively impacting my credit score? 
3. Why is this third-party entity attempting to coerce me into paying a debt that I do not owe them? 
4. If the XXXX has sold the debt to debt collectors, why am I receiving letters from the U.S Department of Treasury? I strongly believe that this is illegal. 

According to the FCRA, they are required to verify the validity of the item within 30 days. If they are unable to do so, they are legally obligated to remove the item. In this case, there is clear evidence of unverified debt, and I urge them to remove it from my records before I am compelled to take legal action. 

I perceive this as a form of retaliation against me for my departure from the XXXX. 

If they fail to verify the item in accordance with the FCRA and continue to report the disputed item on my credit report, I will have no choice but to sue for actual damages and seek declaratory relief under the FCRA. As per this regulation, I have the right to file a lawsuit in any qualified state or federal court, including small claims court in my jurisdiction. 

While I would prefer to avoid litigation, I am prepared to utilize the legal system to protect my rights under the FCRA. 

Failure to provide a satisfactory response will result in legal action being taken against your company. In such a case, I will also seek.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX : XXXX XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: 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 : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX 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 an 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 2021-06-19
Company: Experian Information Solutions Inc.
State: DE
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:
This account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/XX/2021

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was the victim of a XXXX phishing scam via Wells Fargo Bank. Wells Fargo has denied my claim and closed the investigation. 

On afternoon of XX/XX/XXXX I received a text message indicating possible fraudulent activity on my account. I did not respond to the text but within a couple of minutes I received a call from a number in XXXX, Texas ( I live in XXXX, TX, a suburb of XXXX ) with someone telling me they were detecting fraudulent activity within our account. After doing a reverse phone number look-up, the number the caller was using appeared to be a Wells Fargo branch in Texas. 

They proceeded to tell me that the fraudulent activity was a XXXX transfer ( to the payee XXXX XXXX ) for {$3500.00} and was scheduled to go through tomorrow morning. Since I said I was not the person initiating the transfer they instructed me to hold on the line and soon a new call came though but this time the number was the XXXX Wells Fargo number. 

The person on the phone then informed me that since XXXX is a third party application that Wells Fargo could do nothing to stop the transfer and the only recourse was to pay myself the money to offset the impending XXXX transfer. 

I followed through and after the transaction was complete, I asked for a reference number for the case and they hung up. The XXXX transfer still shows in my account with myself as the payee. 

Immediately after that I knew that it had been fraudulent. I called Wells Fargo immediately and after several hours and speaking to three different people we filed a claim. I've attached all communication we have received from Wells Fargo regarding this. We do believe that we should be protected under XXXX XXXX and communicated that to Wells Fargo. We have gotten mixed messages from everyone we have spoken to, which at this point is 12+. I'm not sure what else I can do to dispute this claim and get my money back. I know this is a prevalent scam currently and am writing to file a complaint with the CFPB. If further details or additional information is needed, please contact me. I'm hopeful the people responsible for this will be help accountable and that no one else has to become a victim of this scam.

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 2023-07-31
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: Information belongs to someone else

Complaint:
I wanted to inform all parties that in the last thirty ( 30 ) days I explained in my letter to that, you, as a Federal Reporting Agency has not complied followed FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the folloXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding my credit report. I have recently discovered that there are several credit inquiries on my report that I have no knowledge of. Despite disputing these inquiries with Transunion, XXXX, and XXXX, they have refused to remove them. 

Furthermore, I have been informed that my credit report shows missed payments or derogatory indicators on XXXX or more accounts, which is not true. The credit bureaus have also stated that I have heavily used my available revolving credit, which is incorrect as my revolving limit is only XXXX XXXX of my total credit limit. Additionally, I have been wrongly reported as having a relatively high non-mortgage installment loan, with XXXX XXXX of it paid down. 

These inaccuracies have led to a significant drop in my credit scores, nearly XXXX points in the last XXXX XXXX. I find this to be unjust and unfair. I request your assistance in having all the incorrect inquiries removed and all corrections made to my credit report with all XXXX credit bureaus. I would also like my excellent credit scores to be restored immediately. 

Thank you for your time and consideration. 

Sincerely

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 2023-01-24
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several mailings via USPS and phone calls and duplicate reports to the credit bureaus in reference to these alleged debts : Spring Oaks Capital LLC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have requested many times that the debt be validated and only received a response saying that it's validated but I have no idea who validated the debt or how it was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: AES/PHEAA
State: KY
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:
My husband attended this university and we have made payment arrangements and have paid, but they have derrogattory on his credit and my credit and they have it duplicated were they have different companies charging us and destroying our credit score it should be on one of our  credit and not duplicated, it has affected our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a Landlord to Tenants That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXX XXXX  ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to XXXX XXXX Customer Svc and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week XXXX XXXX denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXXwastaken off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent XXXX XXXX  6 Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the Credit Report- XXXXXXXX XXXX is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( nte, at one point there was an escrow discrepancy, that XXXX XXXX recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT

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 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this XXXX XXXX has violated my rights. 

15 " USC1681 Section 602 " States I have the right to privacy.

15USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 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 2022-11-07
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX  XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MD
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. 

The letters are stated with items and issues. 

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