BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Equifax, On XXXX XXXX I mailed ( tracking # XXXX ) a dispute for the following inaccurate accounts listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C1681I ) and Metro 2 compliance standards, I challenged all inaccuracies or deficiencies of reporting. Equifax failed to remove the above inaccurate/deficient accounts. 

On XXXX XXXX I mailed ( tracking # XXXX ) a letter requesting Equifax 's method of verification to include the following : 1 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2 What certified documents were reviewed to conclude your investigation?

3 Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4 What did it cost your company to obtain the documents needed to complete your investigation?

5 Please provide proof of your timely procurement of certified documents.

6 Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

a If yes to above : i Who did you speak to?

ii On what date?

iii How long was the conversation?

iv What was their position?

v What telephone number did you call?

vi What is the name of the employee of your company that spoke directly to the above party?

vii What is the position of the employee of your company that spoke directly to the above party?

viii How long has that employee been employed by your company?

ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9 Provide the date of the commencement of delinquency.

10 Provide the SPECIFIC date reporting that these items will cease.

Equifax did not provide to me the information required by law within the allotted time frame to provide this information. I have documented all of my efforts and will seek any legal remedy available to me. 

This information must be deleted immediately to avoid civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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 NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: MS
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 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 inaccurate 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 XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2.00} XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX  Inquiry Date XXXX XXXX  Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - tied up XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my XXXX credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been almost a year since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt. They removed this account from my credit bureau reports then reinserted it on XX/XX/2018, without properly validating this debt. I have yet to receive any correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last three days in a row, I have received three calls a day, and today there have been two calls so far. All calls have come during hours when I have been at work and unable to take phone call or handle making a payment on my balance due. One of these calls also came late at night, at XXXX XXXX. The calls came from ( XXXX ) XXXX at XXXX, XXXX, and XXXX XX/XX/XXXX. Then from the same number at XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. Then again from the same number at XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. Then again from same number at XXXX and XXXX XXXX so far today XX/XX/XXXX. The company doing this is XXXX XXXX/Care Credit for my Care Credit account which I started very recently to help pay for a hefty vet bill

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 2023-10-04
Company: EQUIFAX, INC.
State: MI
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:
Equifax XXXX XXXX XXXX has continually allowed XXXX different creditors : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX report inaccurate information to my credit file. I have submitted numerous disputes with supporting documentation every month since XXXXXXXX XXXX XXXX. This company has failed to correct my credit report and update accurate information. They have continually violated my rights under the Fair Credit Reporting Act. As such I have been denied home ownership, financing, credit and other essentials that should be afforded to every XXXX. They have never made an effort to correct or remove this information based on the discrepancies that are clearly and unfairly reported thus breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
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: Information belongs to someone else

Complaint:
This is my 11th endeavor 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 Balance : {$1000.00} XXXX XXXXXXXX Balance {$170.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX 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 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one Keeps on closing any account that I open with them usually within the first few month regardless if its a personal or a business account and regardless if its a credit card or a checking account and they dont give any reason other than that they are exercising their rights After many attempts I finally got some formal response where someone said that capital one detected that I used my personal credit card for non personal use Which is False I used it to pay Hospital bills while my father was in the hospital and I never used it for business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.Q. Data International has been attempting to collect a debt in the State of New York, which they are not licensed in that state. When I asked for their registration, they refused to supply it despite them stating they are licensed/registered. Upon checking with The State of New York, it does not show anything for them. Furthermore, I have paid them thousands of dollars and they continue to add and accrue interest to the debt despite the fact they will not provide the agreement from the original company, which would allow them to do this. It is come to my understanding, in accordance with State and Federal laws they can not add interest to a debt unless it was stated in the original agreement. Furthermore, they can not attempt to collect a debt in the State of New York unless they are licensed/registered. The account representative, XXXX XXXX, advised me they do not have to provide any documentation or validation pertaining to the debt they are collecting. It is my understanding, it is my right as a consumer to request and obtain proper documentation from the debt collector to not only ensure the debt is mine but more, so they are attempting to collect the proper amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Central Portfolio Control Inc.
State: IL
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 checked my consumer report XX/XX/2022 and noticed there was a collection account for CENTRAL PORTFOLIO CONTRO that was opened on XX/XX/2022 for {$1000.00}. This company never gave me the opportunity to dispute this debt they claim that I owe. This company and the credit reporting agencies have been willfully negligent by not having this account reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act 15 USC 1692g. I will also add that this debt belonged to a different collection agency, XXXX, up until XX/XX/2022 which was deleted from my consumer report because they could not provide the proper instruments of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband was injured in an accident in XXXX that required multiple surgeries to repair and 2 years of infections and treatments related to the injury. This resulted in his inability to work for about 4 months without pay. In XXXX of XXXX we were unable to make the house payment because he was out of work. I continued, again, however to make that payment every month after the I missed the XX/XX/XXXX payment. I was aware that was still 30 days late and on most months, XXXX XXXX XXXX did not mark my credit report as late. However, for the next two years, as we struggled to get my husband healed and get back on our feet from the loss of income, I continued every month to make my house payment without fail. XXXX XXXX XXXX recorded 6 months of late payments as a result of that one missed payment until I was finally able to bring the account current in XXXX of XXXX. The account is current and I have signed up for Automatic payments though the SPS website. When I disputed with the creditor, they were unwilling to help. I pointed out that I had faithfully made the payments and that I had even done so by scheduling in advance through their online tool. They were unwilling to assist in any way regardless of my restitution. I don't believe it is ethical or in the best interest of the consumer to continue to penalize a person for 1 late payment, three years after the single payment was missed. It is damaging my credit report and renders my ability to refinance or purchase a new home impossible. No mortgage lender will lend to me as a result of 1 missed payment 3 years ago for which I have made restitution. I am therefore chained to this mortgage at an unfair rate of XXXX XXXX for an additional year to the sole benefit of SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: PayActiv, Inc.
State: IL
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Payactiv HAS KNOWN FOR 5 MONTHS that I have had credit card taken and someone took XXXX off of card. I've put 2 disputes in with payactiv with no response! I've called over 24 times to be hung up on and have NO STATUS UPDATE OR ANSWERS TO THIS MONEY LAUNDERING/ MONEY HUNGRY COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-06-27
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We applied and received Forbearance from out Mortgage company. When we applied the presented us with two options. 1. Pay off the amount accrued during the forbearance period or 2. Roll the amount over to the end of the forbearance period. When we reached the end of the forbearance period we agreed to have the accrued amount rolled over to the end of our mortgage amount. Now the are tyring to sell the amount to another Company as a second mortgage. Can you help us.

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 2023-07-14
Company: EQUIFAX, INC.
State: NC
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:
I am writing to file a formal complaint against Equifax, citing violations of consumer protection laws and specific provisions of the United States Code, in relation to multiple unauthorized hard inquiries appearing on my credit report. Despite my diligent efforts to address this matter directly with Equifax, the company has failed to conduct a thorough investigation and has neglected its obligations under the relevant laws. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this issue and ensure compliance. Equifax 's handling of this situation has been deeply unsatisfactory. Despite my repeated attempts to rectify this issue, Equifax has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), as well as other pertinent consumer protection laws, including but not limited to : Section 1681i ( a ) of the FCRA, states that credit reporting agencies must conduct a reasonable investigation of disputed information and correct or remove inaccurate or incomplete items within 30 days of receiving a dispute notification.

Section 1681e ( b ) of the FCRA, requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer information and to investigate consumer disputes promptly.

Section 1681e ( a ) of the FCRA mandates that credit reporting agencies have a duty to provide accurate information in consumer reports.

Equifax 's disregard for these provisions not only violates my rights as a consumer but also undermines the integrity of the credit reporting system as a whole. 

Inquiries : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXXXXXX 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