BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft I filed a police report I submitted the police report to the credit bureaus and the credit information is still on my credit

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 2023-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$8500.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX NATCREADJ XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX  XXXX {$870.00} XXXXXXXX XXXX XXXX XXXX {$820.00} XXXX SXXXX  XXXX {$710.00} XXXX XXXXP XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX, 1681section 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 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 2023-06-03
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: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$2200.00}, XXXX CARD XXXX Balance : {$4100.00}, CHILD SUPPORT ENFORCEM XXXX Balance : {$6600.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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:
Equifax is reporting incorrectly that I am ( 180 ) days late on the ATTORNEY GENERALXXXX account number XXXX. ( Please see page attached from my credit report. ) My XXXX XXXX obligations have been met and I have attached a copy of the Release from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to file complaint against XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and I.Q. Data International , INC. ( XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX ) What they did severely impact my life and harm me financially. First of all, they imposed a debt on me, which I did not owe. Second, they hurt my credit score so bad that I might not be able to get a mortgage, the interest rate would be much higher than what I supposed to have even I can qualify for a loan. Third, I have been suffering emotional stress in the process of finding solution and communicating with XXXX XXXX XXXX. and I.Q Data. Forth, I might lose the chance of buying my first home. I might need to pay more in future if I don't buy the house now. 

I was employed by a company in XXXX, AL from XX/XX/XXXX to XX/XX/XXXX. During this two-month period, I stayed in the company offered apartment at XXXX XXXX XXXX. I no longer live in the apartment after I left the job. 

I found out that there is a {$2000.00} collection on me when I tried to get a mortgage to buy my first house in XXXX, XXXX. And, my credit score dropped to XXXX. I called I.Q. Data International, INC whose contact information was listed on my credit report, and found out that it was XXXX XXXX XXXX. put the collection on me. I filed dispute immediately on XX/XX/XXXX. I also contacted the company I worked for in AL. 

I lived in XXXX XXXX XXXX for only two month in XXXX because it was company-offered lodging. The company I worked for renew the rental lease in XXXX, XXXX and the company terminated the lease before it ended. According to the manager of the company, the early termination of the lease was because XXXX XXXX XXXX. did not repair water damage in the unit, the unit was not suitable for living, and XXXX XXXX XXXX. refused to switch a good unit for the company. Then the company has to terminate the lease. XXXX XXXX XXXX hires I. Q. Data to collect whatever they think the company need to pay. 

Long story short. No matter what happened between XXXX XXXX XXXX and the company I worked before, it should not be my responsibility to pay for whatever between them. I did not sign the rental lease. Even though XXXX XXXX XXXX. lists me as a roommate in XXXX, I should NOT be a roommate for XXXX when they started a new lease. I was neither a leasee nor a roommate. XXXX XXXX XXXX. and I.Q Data are misusing my information. They should contact the company to solve the problem instead of putting the debt on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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 is missing that should be on the report

Complaint:
My name is I am filing a complaint on my own behalf I am not a party or an attorney. I have a few accounts that are showing me at XXXX days late and at the time my income was affected by the XXXX shutdown. I am aware that the CARESACTwas allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX # XXXX dates XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX LATE # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has a rather annoying process for their help center. I have had problems verifying my identity which you must do in order to do anything on the help line. I called multiple times on XXXX and XXXX but failed to speak with an agent each time as you have to verify your identity first. I tried emailing on XXXX since calling about this issue has not worked, but it was not resolved by them. They sent me an email on XXXX with a link to log into my account, but I can't do so as I have to verify my identity. I just want to verify my identity so that I can unfreeze my credit report. They make it very difficult to verify your identity and they don't provide enough support services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: WA
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:
Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXX Bank. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft 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 2022-12-16
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:
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 has 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 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 2023-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
BECAUSE OF EQUITY SPS WONT MODIFY XXXX XXXX XXXX, CALLED XXXX XXXX SAID WOULD APPROVE LOAN MODIFICATION, BROTHER LIVES IN HOUSE ALMOST DIES DUE TO ILLNESS!!!!!!!!!!!! NOW GOING TO XXXX  for money to bring loan current, there is equity but we can not refinance due to late payments. Feel discriminated against and my cousin has helped clients past due since XXXX  and they get modifiations!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have asked XXXX and Experian and XXXX to remove all of these inquiries from my credit report. I did not apply for the 61 inquiries within a six month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show 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 2023-06-03
Company: EQUIFAX, INC.
State: NY
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 is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX Balance XXXX : {$2900.00} XXXX XXXX XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXXXXXX XXXXBalance Owed : {$530.00} XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent letter to the credit bureau to verify or remove inaccurate information on my report I havent received any response it have been 60 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed a few debt collections bought by Portfolio Recovery. I have attempted many times for them to prove that there has been payments made to two of said debts. There are reporting one bought debt at 3 % off of debt and another at 5 % off. I have never made payments to this company or org company after the account was close. After many attempts to have them verify all the accounts they hold in my name, they never send the documents or details that is required by my state to rec. I always just get huge prints out of nothing but incorrect info and no documents to show proof of payments that is being reported. Also they have scared me into hiding my identify to stop sending sheriffs to my home or business. I have reems of paper they have repeatedly send same information and cost me money to keep sending them back letters to get proff. They even harassed me and scared me enough to take me to court and all the times the judge would dismiss with prejudice. Even after their attempts to sue me over these, they continue to make me scared to answer my door or give out my phone number for the harassment and sent more sheriffs looking for me. One of the summons even was failed to deliver after three attempts to scare me more and send me to court again, this one had to be dismiss my the town clerk I think they are still reporting the three judgments that judge dismissed and they are still reporting that I made payments. With no such proof of payments to them. I cant send you documents have the papers I have saved over the years for the many repeat info that is never showing or proving everything my state has for them to correctly continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: IN
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 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 explanation
Consumer complaint received 2023-08-03
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX - account # XXXX I believe is committing fraud. I have a credit report that I paid for and it shows alot of errors with this company. And then after I filled a complaint, all of a sudden, they changed the amount to get it to go along with the other 2 credit bureaus. I have proof of this and how they keep selling the debt to itself.

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 2023-06-03
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:
I am expecting from you to put some margin to CORRECT some of the inaccurate accounts in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Block, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I used my debit card at a gas station and it was declined due to square flagging it as fraud. They refuse to give access to my money and rejected incoming checks that were written days before square froze my account which caused more fees and problems. They refuse to tell me why my gas station charge counts as fraudulent activity.

Company response to consumer: Closed with explanation