BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: GA
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:
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX Credit usage 100 % Balance {$300.00} Balance updated XX/XX/2023 Credit limit {$300.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Credit card Payment summary XXXX XXXXXXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/2023 Highest balance XXXX XXXX Monthly payment {$30.00} Last payment date XX/XX/2023 Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

P.S! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2023-09-05
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see my attached identity theft report. I have already disputed this account due to it being fraudulent, unauthorized and a violation of FDRA, and TILA. This company is unlawfully operating and illegally communicating and publishing inaccurate information.

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 2021-10-26
Company: EQUIFAX, INC.
State: PA
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Not only does their website and app still not properly function, but I also can't use a debit card to pay. They offer the option, which is incredibly misleading, but interestingly the option doesn't seem to work when you try to use it. Funny enough, the only option they offer that actually works is using your bank account, which takes 3-5 days to process a payment and can end up bouncing back in the process, especially if you live paycheck to paycheck. Interesting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Mr. Cooper Group Inc.
State: NV
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:
While I was on XXXX XXXX I was medically retired and during my last two months of service I had to sell my house and move and I listed the property and we got into contract in XXXX of XXXX. I had never missed a payment or been late at this time. The title company requested a payoff from Nationstar now renamed Mr. Cooper in XXXX and it was delivered and our closing date was set for the last business day in XXXX the XXXX. The escrow had to be extended because of delays by the borrowers lender and we weren't able to close until the XXXX of XXXX. I called Nationstar the first week of XXXX and they said the payoff demand had been updated to include XXXX payment and that I could either make the payment or it could be added to the pay off demand, we went the payoff demand way because title recommended we do that to not have to request another. 


We closed and they received their full pay off. Then I retired from the XXXX in XXXX and moved. In XXXX of XXXX I had my credit run and my lender told me I had TWO 30 day late payments for my mortgage from Mr. Cooper one for XX/XX/XXXX and the other for XX/XX/XXXX. We closed XX/XX/XXXX and the closing statement reflects that's, how was I late in XXXX by 30 days and I followed what they had told me to do and now they were punishing me. 


I called Mr. Cooper and went through their 30 day review process it took over 75 days and they only sent me a letter saying they were right. I called and asked how that was possible when I had followed their guidance and I didn't even own the house for 30 days in XXXX and they told me that they were right and there was nothing I could do about it. I explained that as a XXXX Veteran their actions were causing hardships on my family, I had NEVER missed a payment or even been late for over two years with them and they said it wasn't their problem and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$4000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account.

The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA.

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false.

Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness.

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken.

Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment 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 2023-05-24
Company: ONLINE Information Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This original debt is from a XXXX XXXX utility bill however, I am moved out of my apartment and close the account in late fall of XXXX. XXXX XXXX transfer the account later in XXXX to a collection agency which is when I found out that the account remained open and they attempted to collect on the debt. I notified them that I closed upon my move in XXXX and how I now have a current account with XXXX XXXX account at my new address and that the debt is invalid due to the fact I was no longer residing at the previous location. 

This year, this month, without notification of taking over the original alledged debt This collection company has placed the debt on my credit reports. Although I disputed the validity The credit reported this debt as accurate due to the fact that it has all my correct information. However, the debt is not valid. I have closing papers and moving proof to show I was no longer residing at the previous location as stated, they kept the bill open for several months without closing the account even due to no payment and continue to bill me which to me makes no sense when I have an up-to-date and valid account at my new address/home which is still accurate to this day. 

As you can see on the documents, I am disclosing below. It has my previous address on the closing disclosure on which are closed in early winter XXXX and also documents for the warranty deed when I had the property under contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CL Holdings LLC
State: AZ
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:
there's a debt on my credit report of {$2600.00} from JEFFERSON CAPITAL SYSTEMS opened on XX/XX/2021 that is not mine. I have contacted JEFFERSON CAPITAL SYSTEMS many times to get this debt removed due to it being not my debt. I feel this is a fraudulent debt. JEFFERSON CAPITAL SYSTEMS did not contact me or gave me any validation letters about this debt. This debt is not mine and they will not let me dispute this with them. Due to this being fraud I want this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX amount owed : XXXX On XXXX XXXX, 2017, I called the above mentioned company in regards to a collection account being reported to the credit agencies. When I called, I got an initial representative by the name of XXXX who requested my full name, social security and my DOB. Iinformed her that I was unsure what the debt was for and that I was extremely leery about providing personal and protected information. This representative told me that if I verified my DOB and last 4 numbers of my soicial security number, she would be able to give me detailed information on the account. I provided her with my DOB and the last 4 digits of my social security number. When I then asked who the original creditor was, she refused to give me the information. She stated that she would need my full mailing address and my full social security number. I then informed her that i would not provide additional information and that per her previous statement, I needed her to tell me who the creditor was. She refused. I then requested to speak to a supervisor. She then transferred to XXXX XXXX, who hung up on me after being on hold for 5 minutes. I called back and requested to talk to him directly. When he got on the phone, explained that i obtained the information from the credit agency and that according to what is being reported this account does not belong to me. He explained that I needed to verify my identity by providing all of my personal information. I then explained to him what XXXX had explained to me, that I had provided information and that she then refused to give me details on the account unless I disclosed more information. XXXX XXXX then said that he was like my banking institution and just like I provide them all of my personal protected information I needed to provide it to him. I told him that he was not my banking institution and that when I call the bank, they only ask for XXXX identifiers. He then said that unless I verified all the information he would not assist me and that when he calls his bank he provides them his name, SSN, DOB, address, phone number. I told him that he was not my banking institution, that I was being reported to the credit agencies erroneously and that he needed to provide me with information about the account before I gave him additional information. He said that he did n't care that he was not the bank and he was not helping and hung up the call. I then attempted to call back and I was transferred again and XXXX XXXX hung up on me again. I then called back and informed the receptionist to informed XXXX XXXX that I would be reporting him to the FTC Consumer Financial Protection Bureau and the the state Attorney General office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: PA
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 Law 15 USC 1681b ( a ) ( 2 ), my rights have been violated. Under this law, it says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give Experian written instructions or permission to furnish the late payment on my credit report. 
Account : XXXX If the credit reporting agency " Experian '' is not able to show an affidavit with my written permission to furnish this late payment, then I exercise my consumer rights to have this immediately removed from my report according to the law.

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 2021-05-18
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I noticed that 4 charges were taken from my XXXX XXXX account 15 days ago on XX/XX/XXXX. This is that latest in a string of identity theft issues I have been having. I then used an unofficial credit report and noticed an {$890.00} loan in my name. 

Since then, I have been trying to contact the Fraud Department with XXXX XXXX. On XX/XX/XXXX, I was informed over the phone that the Fraud Department will get back to me by closing of business. Hearing nothing that day, I informed Money Lion on XX/XX/XXXX that if I did not hear back from them by closing of business, I would have to contact the CFPB. 

I heard back with a request for information soon thereafter. I replied to that request and travelled for work. Upon my return, I discovered that on XX/XX/XXXX, Money Lion had deemed the account non-fraudulent and closed the inquiry. 

To corroborate their claim, they sent me a loan agreement that had been " signed '' in standard computer font. 

I fear that I am unable to progress on this issue and that if this situation is not resolved soon, I will be charged again for this loan. 

This loan is also negatively impacting my credit score. 

I am attaching confirmation of a police report. At this time, I am unwilling to purchase a product so that I can get my money. That seems unreasonable. If MoneyLion wants my police report to help me with this fraud issue, they can buy it from the XXXX Police Department themselves. 

I am also attaching PDFs of an e-mail chain for a related fraud issue from So-Fi money, such that you can see that this is an ongoing issue. 

I am also attaching bank statements showing the money withdrawn. I am attaching a transaction list showing the reversal. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
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 status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if I never applied for the XXXX XXXX account XXXX XX/XX/2018 and have sent them a letter from XXXX XXXX stating the account was opened fraudulently? I have also filed a police report and a FTC REPORT.

15 U.S.C 1681 section 602A. 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 1681 ( 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. 1681-2 ( 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