BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: DC
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, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
A XXXX XXXX XXXXXXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX  XXXX and let them know and they said they would take action to get this removed from my credit report. I also called XXXX and they said they would do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
I've contacted XXXXXXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance of the Fair Reporting Act these XXXX  accounts has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX # 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 : 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 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 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXX XXXX  no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by XXXX XXXXXXXX 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 2023-12-14
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$8400.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX date : XXXX owed : {$4500.00} XXXX XXXX XXXX  XXXX date : XXXX, XXXX owed : {$360.00} XXXX XXXX XXXX XXXX date : XXXX, XXXX owed : {$4300.00} XXXX XXXX XXXX  XXXX date : XXXX, XXXX owed : {$510.00} XXXX XXXX XXXX XXXX Date : XXXX, XXXX owed : {$1100.00} In present time of my findings. I XXXX XXXX the consumer, have come to the conclusion my identity has been misused for malicious intent. As the consumer who is bound by the protection of the federal trade commission i would greatly appreciate these charges be removed in a timely manner off of my consumer credit report, for they are fraudulent and disrupting the growth of my financial well-being and hindering me from furthering my business goals and the pursuit of establishing comfortable living and prosperity for my family. Thank you, XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-11
Company: AmerAssist A/R Solutions, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AmerAssist holds no delegation of authority to conduct business practices in the state of Louisiana where i reside. They have no current license or bond insurance with the State of Louisiana to collect debt or act as a debt collection agency authorized to do business in the state of Louisiana. i also do not consent nor contract to do any business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-10-11
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Saturday XX/XX/XXXX, XXXX- Received a letter and 5 pages of medical records referring to my wife 's XXXX at XXXX XXXX XXXX. The letter was from " rmp '', a collection agency branched in XXXX, NC, and based in XXXX, TX. ( Please see attached files of the scanned documents and envelope. ) The envelope and letter were not professional looking which added to my suspicion. 

I called my health insurance company and described what had happened. The result of the conversation was that it was probably a scam. 
I have never received a bill for the claimed amount of {$990.00} from XXXX XXXX. If I had, it would have been paid. I have a XXXX credit  score which would be much lower if there were any validity to this claim. 

To pursue their effort, I received a phone call from XXXX at XXXX this morning ( XXXX ) from a male who claimed to be from rmp and wanted to discuss how I wanted to pay the {$990.00}. I called his bluff by telling him that this claim was fraudulent and what my credit score was. Then I asked him if he thought there could be a legitimate claim against me. I was talking to a dead phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a mortgage with Wells Fargo on our home at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. During that time frame we fell behind on our payments in XX/XX/XXXX. We applied for a modification with ASC the loan servicing company for Wells Fargo. ASC sent a a letter on XX/XX/XXXX, advising us we might be eligible for a modification of loan, we applied and were then sent a letter stating We are unable to come to a mutual agreement regarding workout. 
We are part of the defined class covered in the {$3.00} XXXX settlement and have not received any compensation to date or correspondence from Wells Fargo. Then our home was foreclosed and we lost our home.

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 2021-10-11
Company: Experian Information Solutions 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:
I submitted a complaint to the CFPB and the collection company provided me a letter through your portal that I sent to Experian ... and they still haven't removed the negative from my 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 non-monetary relief
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2021, I pulled up a copy of my credit report and notice unauthorized hard credit inquiries on my credit report. 
I then proceeded to call the credit reporting company to have that inaccurate information removed. They then told they cant do so and that I have to dispute it through the mail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Bread Financial Holdings, 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:
I received two hard inquiries on my credit report on XXXX One was on my XXXX credit report by Comenity Capital/XXXX where I spoke to XXXX and Comenity Capital/XXXX and found out that it was for cosmetic services and the application was approved for {$3200.00}. I spoke with Comenity representive and they said they would cancel the account as fraud and will take care of the hard inquiry, but I want confirmation this has been done. I then received another hard credit inquiry by XXXX XXXX also on XX/XX/ and also received a text with code and I did not request this. I called XXXX XXXX and they confirmed that the person had all my information and applied online-except older address-and applied online but was denied so no account exists due to fraud, but I want to confirm the hard inquiry will be taken off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: Experian Information Solutions Inc.
State: PA
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:
Over the past year Experian has stopped showing any of my creditors on my credit report. This is causing my credit report from Experian to show up to creditors as a " Thin '' credit file. I have over 18 accounts that report to all 3 credit bureaus but none are showing on my Experian credit report even they were showing a year ago. This is preventing me from applying for a mortgage as lenders need reports from all 3 credit bureaus. 

I have called Experian twice a week, every week for the past month. In 2 cases the representatives tried to convince me that I had creditors who don't report to Experian. I was finally able to get one representative to understand that my issue was not with the creditors but with Experian no longer picking up what my creditors were reporting on my Experian report. The rep explained that he saw an error in my file and the problem would be resolved in 24 to 36 hours. This was over a week ago and the problem still persists. 

This issue caused me to be unable to apply for a mortgage. Because of this I have already missed out on two houses that I wanted to purchase. This is a case where I am being denied credit to due a credit agency not showing any of my creditors, not the creditors themselves. I need to escalate to get this issue resolved ASAP.

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 2022-11-18
Company: PENTAGON FEDERAL CREDIT UNION
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:
I have a HELOC with PenFed ( www.penfed.org ). The balance of that HELOC is XXXX ( i.e., XXXX XXXX ) and it has been at that balance for several weeks. My prior history is perfect, with no late payments, and I had a personal credit score of 800+. 

Recently, I received an update on my credit report showing that my Penfed HELOC was 'delinquent. ' This affected my credit score severely, dropping it by over 60 points. 

I contacted the company about this error, notifying them of the 0.01 balance and lack of any delinquency. While they admitted the content of the error, they have thus far refused to reverse the delinquency filing. Furthermore, they have refused to address this issue in a reasonable amount of time and without unreasonable requests from my side.

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, Penfed is now knowingly in violation of the FCRA and is not taking steps to correct that violation.

I have attempted multiple times to have Penfed reverse the erroneous delinquency filing and they have refused to do so on each occasion.

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 monetary relief
Consumer complaint received 2021-10-11
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 ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT 1. XXXX XXXX XXXX XXXX XXXX GA, XXXX 2. XXXX XXXX XXXX, XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 8. XXXX XXXX XXXX # XXXX XXXX GA 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 2020-08-11
Company: BERKSHIRE HILLS BANCORP, INC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had an auto loan that was paid off in XX/XX/2020 in full, but the auto loan company has not stopped taking monthly payments that were on auto-pay when I first signed up. I have reached out twice to them - once in XXXX and XXXX. They had stated in XXXX it would be reimbursed, but I have yet to see any of what they have taken.

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 monetary relief
Consumer complaint received 2020-08-06
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital Accounts , LLC in XXXX TN I contacted them twice in XX/XX/2020 and in XX/XX/2020 about a medical debt from XXXX XXXX. I spoke with two different agents gave them my information and they both verified that It is not a debt account with them in my name for {$390.00}. I have disputed this with XXXX  and XXXX  3 times. I need to get this removed off my credit report especially when it was verified by the collection agency no account showing in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: AMERICAN HONDA FINANCE CORP
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:
I have recently requested XXXX, XXXX, AND XXXX to investigate a few accounts reporting on my consumer file, The investigation took welll over 30 days and I have not been notified of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I rely on transferring my money through XXXX XXXX, to my family. Being as that the PNC APPS are sub par at best, I havent been able To use the XXXX application embedded into their app. This leaves me with no other option to switch banks, especially when I am authorizing the use of the app to transfer money to my sick family members. This is terrible and Ive never experiences such bad coding in an app, nor have I ever been told that I couldnt transfer money in the way I see fit! The app never works, and Im at a loss. This needs resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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