BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
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:
Greetings, I have made attempts on several occasions to apprise all 3 credit bureaus of my concerns. I went through the process of filing an identity theft report and sending certified letters, to dispute an account ( XXXX  XXXX with a {$0.00} balance ) that is due to identity theft. 

Though I had an authentic identity theft report, I was told that the report was not authentic and the account remains on my reports. These credit bureaus are not exercising ethical practices consistent with the Fair Credit Reporting Act. 

I have recently sent letters to continue to request proof that the account in question belongs to me. The original address that they have on file is not an address that I have lived. They are continuing to send letters with old statements in response to my request to verify the account. They have yet to provide anything with any proof reflecting my signature. This is unlawful and it is negatively impacting 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 2023-03-25
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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are still several accounts and information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not intitiate these Items or authorize anyone else to do so on my behalf. It is clear that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act, section 605b, requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: MT
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:
THIS IS MY LAST TIME TRYING TO HAVE THIS MATTER CORRECTED BY EQUIFAX. IF THIS FINAL INFORMAL ATTEMPT DOES NOT MAKE EQUIFAX TAKE THE ETHICAL, MORAL, & LEGAL ACTION REQUIRED & MANDATED BY THE FAIR CREDIT REPORTING ACT I WILL, WILL, WILL, ETC GO TO MY LOCAL COURTHOUSE AND FILE A LAWSUIT IN SMALL CLAIMS COURT ( CIVIL DIVISION ) FOR EQUIFAX KNOWINGLY AND WILLINGLY VIOLATING MY RIGHTS GRANTED TO ME BY THE FCRA. I advised EQUIFAX that a unauthorized hard hit inquiry is reflecting on my credit report. I asked EQUIFAX to conduct an investigation and confirm if the hard hit inquiry was authorized by me. Furthermore, if it was determined I authorized the hard hit inquiry to please provide me the name, contact phone number, date of contact, & A COPY OF THE credit application signed and dated by ME. I repeatedly get the same standard response from EQUIFAX ( PLEASE REFER TO THE ATTACHMENT ). EQUIFAX RESPONSE CONFIRMS THIER DERELECTION OF DUTY AND DISREGARDING THE NEGATIVE IMPACT THAT THIS UNAUTHORIZED HARD HIT INQUIRY ON MY CREDIT SCARE & CREDIT WORTHINESS. THE PREVIOUS CFPB COMPLAINT REGARDING THIS MATTER IS COMPLAINT # XXXX. 

Cc : The Honorable XXXX XXXX XXXX County Court House ( Civil Division )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When I disputed multiple accounts with Experian, they claim they verified the information and said it was valid. They verify innacurate addresses and other information based upon the innacurate information being reported from accounts that shouldn't be on the credit file to begin with. Then say since the address is on the credit file, the account is validated. I have sent in my ID numerous times along with years of utility bills, and social security card. Still, they refuse to properly verify information. They take a creditors word over mine, but a creditor can not show them any ID or signed documents to verify me, but yet I can provide identification. when I go back a 2nd time after reviewing more information on the accounts, I try to dispute them for missing balances, or innacurate dates, innacurate addresses. They refuse to reinvestigate and tell me I have to supply more documentation. I have personally contacted these accounts and some won't even give out information, and some aren't even in business. A couple are supposedly medical bills that refuses to verify information because of HIPAA. So exactly how is Experian verifying the false innacurate information they have? I've even had a guy on the phone at Experian telling me that is does no good to remove a false innacurate address, because if an account reports it, they will put it back on the credit file. I have an account on my credit file reporting a different balance multiple times a week just so they can flag my account. The balance is {$1200.00}, then it goes to {$1200.00}, then it goes to {$1200.00}, then it goes to {$1200.00}. Over and over and over. But yet Experian allows this and won't let me dispute an innacurate balance, and the account isn't even mine. It took me months to get them to remove other socials, other names, and even businesses they claimed I owned that were half way across the country. I'm sick of Experian!! Somebody please do something with these 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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Company has not looked over credit dispute and has not responded to dispute is has been over 30 days and there has been no response.

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 2023-07-14
Company: The Best Service Co.,Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-01-25
Company: Spring Oaks Capital, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to validate the alleged debt, which is my right as a consumer but I haven't got anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NV
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 1. XXXX XXXX, Account # XXXX 2. XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 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 ) States 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 2023-02-08
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: CCB Credit Serivces, Inc
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had owed hospital XXXX and paid in full, proof was sent to the debt collector but they are still saying I owe the difference that was sent to them and want an additional approx. {$300.00} in interested/fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: GA
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 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 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 explanation
Consumer complaint received 2023-06-18
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Subject : Dispute of Collection Account on Credit Report Dear Sir/Madam , I am writing to dispute the presence of a collection account on my credit report under my Social Security number , which is attributed to LVNV Funding LLC . According to my credit report, this collection account is negatively impacting my credit profile. 

I have previously requested copies of any documentation associated with this account bearing my signature. However, LVNV Funding LLC has refused to provide me with the requested documentation. In the absence of any such documentation bearing my signature, I am formally requesting that you immediately delete this information from the credit file maintained under my Social Security number. 

I want to emphasize that as a consumer, I have the right to request and receive verification of any debt that is being reported against me. It is imperative that LVNV Funding LLC provides the necessary documentation to validate this debt and substantiate its accuracy. 

I kindly request that you initiate a thorough investigation into the validity and accuracy of this collection account. During your investigation, I expect that you will provide me with copies of any documentation that supports the existence of this debt, including documents bearing my signature. 

The letter they sent me is showing another collection agency called Resurgent Capital Services, and I received an email from XXXX, which one is the correct collection agency. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apartment complex ( XXXX of XXXX ) has sold my information to a third-party collection agency who is now trying to collect a debt that I do not owe. After trying to dispute this account several times, XXXX XXXX XXXX has refused to review the supporting documentation I have submitted that proves that this debt is not mine. Please read the company response for my complaint submitted on XX/XX/2023 : Company 's XXXX XXXX XXXX XXXX XXXX XXXX is a third-party debt collection agency that is collecting a debt on behalf of XXXXXXXX XXXX XXXX XXXX XXXX Charges were not assessed by XXXX. XXXX XXXX has disputed her debt, and XXXX has submitted her dispute to the CRAs as required by law. The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed. If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. 



If the company did not assess the charges before reporting it to my credit report, how where charges validated and verified? Also, I have provided documentation to support the charges form XXXXXXXX XXXX XXXXXXXX does not belong to me and they refuse to review theses documentations.

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 2023-05-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Im a victim of dv and I tried to get this off! I filed bankruptcy but Im still being denied apartments. I have placed a fraud 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 explanation
Consumer complaint received 2019-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/XXXX we came across a XXXX listing to get tickets for the XXXX XXXX game on Sunday, XX/XX/XXXX seller claimed to have section 104 row 2 for the game selling them for {$200.00} each. He responded via text message on phone number XXXX. He requested that we send the money via XXXX to the following email address XXXX or XXXX. He said that is his email address for XXXX and XXXX and sent a screenshot of his ticketmaster account without the bar code but never sent the tickets and stopped communicating via text or calls. I transferred {$500.00} from XXXX from my Bank of America bank account. I called the bank an hour after I didn't get the tickets but they were closed and called yesterday and was told to call today and speak with the fraud department. They will not refund me for this transaction. Please help me.

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 2023-04-02
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
The problem that I keep facing is with my personal information that is listed to my credit report. Such as name, addresses, and contact information. I have requested that the credit bureaus remove information and they have not do such. I need assistance to updated my credit file to show accurate and complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information is linked to my social security number as a result of someone fraudulently opening accounts and credit lines with my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Fairway Independent Mortgage Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 we put in an application to remove the PMI on our mortgage. We had done a large amount of upgrades to the property which warranted removal of the PMI. Several times we were told that we didn't submit the appropriate information, which we had submitted multiple times. There has been no communication on the mortgage companies end. All communication has been executed by me and I have yet to receive any callbacks or emails as promised from them. They sent an appraiser to my home TWICE saying they never received the report which was false. We are 6 months in in trying to have the PMI removed from our loan and we still have no correspondence from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: MO
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: LA
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-01-10
Company: Self Financial 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: Reporting company used your report improperly

Complaint:
In accordance with the FCRA Self/XXXX  XXXX account XXXX XXXX, has violated the following : 15 USC 1681 Section 604 ( a ) Section ( 2 ) states a consumer reporting agency can not furnish an account without my written consent. XXXX  has not been given written consent to report to any consumer reporting agency.

15 USC 1666b ( a ) states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any reason. I have not received any statements or notices from Self/XXXX  XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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: Their investigation did not fix an error on your report

Complaint:
For months, I couldn't manage my credit freeze online despite the account seemingly being in a working state. I called multiple times and nobody could fix my account, which means I can't manage my credit freeze with this company. I verify successfully everything multiple times on the phone and was asked to " follow procedure '' and mail or fax them more verification documents. Tried to escalate multiple times to " supervisors '' and was on the line for 1.5+ hours. Worst service ever and nobody cares. The last call was today ( XX/XX/2020 )

Company response to consumer: Closed with explanation