BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  concerning a persistent error they have been reporting on my credit report over the past XXXX months. Despite acknowledging this error in writing and apologizing, XXXX XXXX continues to re-report it, which is significantly impacting my credit score I first discovered the error on XX/XX/2023 when reviewing my credit report. 
I immediately contacted XXXX XXXX  via Email on XX/XX/2023 to report the error and requested its correction. XXXX XXXX responded and acknowledged the error, apologizing for the inconvenience caused. Despite their acknowledgment and promises to correct the error, XXXX XXXX has continued to re-report the same error on my credit report in subsequent months, most recently XX/XX/2023. The consistent re-reporting of this error has had a detrimental effect on my credit score, leading to a constant denial of Credit and very high interest rates I have attached copies of all relevant correspondence with XXXX XXXX, including their written acknowledgment of the error. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure XXXX XXXX ceases the re-reporting of this error and corrects my credit report in a timely manner. I also request that they be held accountable for any damage to my credit caused by this persistent error. 

Please let me know if you require any additional information or documentation to address this issue promptly. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding LLC added a debt to my credit reports. First of all LVNV Funding did not notify me before adding this debt to my credit reports. Secondly, the account and company LVNV is representing is in litigation. Finally, LVNV funding did not give me an opportunity to dispute this debt. All of these are in violation of the FCRA. My next action is to file a lawsuit against LVNV Funding, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights a number of times. I demand the accounts listed below be deleted because According to the 15 USC 1681 : I have the right to privacy and I did not give XXXX  written permission to furnish these accounts. 
Accounts/Inquiries : 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 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 2023-08-07
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from 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 2021-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
No matter what method one tries to resolve issues they CAN NOT access the data. Nothing works! All you get are rejections. A pathetic excuse for a company who holds all ones finances in their palm! There is no way to accessones information regardless of what they propagate!!!!!!!!!

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 2023-08-07
Company: EQUIFAX, INC.
State: MT
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 one of my NUMEROUS 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXXXXXX XXXX XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Synergetic Communication Inc
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, Synergetic Communication , Inc sent a letter claiming a debt was owed by XXXX XXXX XXXX XXXX, whom no longer lives within the United States of America. This was the 3rd or 4th letter sent to this address ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). 

This debt is apparently related to an Auto Loan which was surrendered to the Bank in XXXX, during the Financial Crisis and " Great Recession. '' XXXX XXXX XXXX XXXX and myself ( XXXX XXXX XXXX ) were married at that time and moved to XXXX as a family. We attempted to : 1. Settle this debt with the Auto LIEN holder, by offering a cash payment of {$4000.00} against the loan, with surrendering the car to the bank. The bank refused/ did not reply to multiple letters / phone calls. 
2. Because we did not have sufficient resources due to the financial crisis, we elected to stop payment and let the bank repossess the vehicle. 
3. Within 1 year, the bank offered to accept ~ {$2500.00} to settle the loan, which we refused ; we did not have the resources at that time. 
4. We updated all financial institutions with our current address in XXXX, as well as the Internal Revenue Service. 

This loan was charged-off between XXXX. Collections ceased at that time. 

I now have a collections letter claiming that XXXX XXXX XXXX XXXX is living in a house in XXXX, and that she still owes a settlement. I dispute the claim, on her behalf, and with her permission, because : 1. The statute of limitations has expired for collecting this debt. The statutes claim 6 years from the date of last payment ; that would have been during calendar year XXXX / XXXX. 
2. All banks/ collections are well aware of XXXX XXXX XXXX XXXX 's addresses ; her tax returns and also address updates were provided to all interested parties. 

This means that Synergetic Communications has : 1. Intentionally ignored the statute of limitations and is attempting to fraudulently force other parties not affiliated with XXXX XXXX XXXX XXXX to pay debts NOT OWED. 
2. Sent letters that contain explicitly protected and private loan information that has been revealed to parties that have no interest in this matter; thus violating XXXX XXXX XXXX XXXX 's right to privacy, as well as attempting to use embarrassment / humiliation to " coerce '' payment. 
3. Since it appears that Synergetic Communications has had complaints filed against it for similar infractions in the past, it is being provided for further investigation. See here : https : XXXX I respectfully request that the C.F.P.B. complete an investigation into this matter, and kindly advise any and all remedies appropriate and permissible by law. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HELLO, I AM A VICTIM OF ID THEFT. ON XX/XX/2019 SOMEONE USED MY INFORMATION TO OBTAIN XXXX XXXX FROM XXXX XXXX XXXX XXXX  IN THE XXXX. OF XXXX, AND ON XX/XX/2019 THEY WENT TO XXXX XXXX XXXX XXXX AND DID THE SAME THING IN THE XXXX. OF 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 2021-02-17
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has been paying our neighbors taxes for 2 years now and in turn our mortgage payment has gone up over {$800.00} due to insufficient funds from their error. We have called multiple times over the past few months, and was assured this issue would be taken care of. They acknowledged their error and here we are in 2021 with yet again another mortgage payment increase due to them paying our neighbors taxes again. This company has extremely poor customer service. We just tried calling again and was hung up on by the woman answering the phone after waiting on the line for 20+ minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: NC
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 disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CORELOGIC 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:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDCO Inquiry :XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-11-22
Company: EQUIFAX, INC.
State: NJ
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 report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern, On XX/XX/2022, I booked a flight from XXXX to XXXX XXXX on XXXX. I confirmed the flight had free cancellation within 24 hours. According to XXXX policy, I reached out to the airline directly within the 24 hour period to cancel my flight, however I was unable to get in touch with anyone from the airline on either their website or by phone. So I reached out to XXXX customer service line and they 1 ) confirmed the flight was cancellable within 24 hours for free 2 ) finally reached an agent from the airline, but the agent said they could not help. I tried to call the airline again using a different phone number XXXX gave me, but was unable to reach anyone.

After the 24 hour period elapsed, I reached out again to both the airline and XXXX, but they have not been able to assist. XXXX is telling me I have to speak to the airline directly, while the airline is saying they can not find my flight record. 

I have attached the relevant documentation with notes in the following pages. Do not hesitate to reach out at XXXX if you have any questions. Thank you very much for your help. 

Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: NEW YORK COMMUNITY BANCORP INC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to flagstar bank, I've been paying the same amount for my mortgage since I switched lenders. For the month of XXXX my mortgage went up {$170.00}. I called and spoke with an escrow specialist and was told that my home owners insurance went up and that was why. I told her that it didn't and that I was looking at my account at that very moment. She then switched and said my property taxes went up, I told her again that I'm on the county fiscal site and I can see everything and that it in fact is the same as it was. She them went back to when I purchased the home and started to say well your insurance went up since then. I told her I know that but I'm talking about my mortgage changing from last month to now. She then told me to hold on, I'm currently still on hold, I'm saying hello and I can clearly hear her background coming in and out but no one is responding to me. I've been on hold now for an hour and fifty three minutes. I'm going to pay my mortgage with the overage right now as to not have them try to take my home or charge me late fees but this amount is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: NC
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 disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: MI
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 the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Bull City Financial Solutions, Inc
State: OK
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-I found Bull City Financial Solutions reported derogatory remarks to the my credit report on all three major Credit Bureaus XXXX XXXX, XXXX and XXXX. 

XX/XX/XXXX, XXXX sent a Validation Letter to Bull City Financial Solutions Inc via certified mail to ask for information to help me validate that the debt was actually mine and that I owed that debt and or VALIDATION BE IN THE FORM OF A NOTARIZED STATEMENT BY A PERSON WITH THE ORIGINAL KNOWLEDGE OF THE DEBT AS IT WAS CONSTITUTED AND WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY.

.

Bull City Financial Solutions Inc did not send the requested information asked for in my previous Validation Letter. 

XXXX XXXX Instead Bull City Financial Solutions sent a piece of paper with some addresses and names and insurance information, some creditor information on it. There is also some medical information showing for XXXX XXXXXXXX and XXXXXXXX XXXX XXXX  showing on the back of one of the documents they sent to me which is against HIPPA laws . ( This was not what I asked for nor did it prove or validate any debt. ) Upon my own investigations I found that Bull City Financial Solutions Inc is not licensed in the state of Oklahoma to collect debts which means they need to cease and desist all actions in reporting false debts to my credit reports.

Bull City Financial Solutions Inc will not show proof or any validation of the debt they claim I owe.

According to the FDCPA Bull City Financial Solutions Inc is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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