BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/XXXX, my fiancee and I began the process of building a house. The loan company pulled our credit to get the loan process started. Mine pulled successfully on all credit bureaus except for Equifax, which showed an XXXX XXXX code. I called Equifax, thinking perhaps my credit was frozen. I called to find out that my credit was not frozen, and that there should be no error reporting. Equifax was clueless as to what error may have been happening. 

I got divorced and XX/XX/XXXX, and changed back to my maiden name in XX/XX/XXXX. Due to the fact that I was pulling the report in XX/XX/XXXX, I had the loan agency try to pull my information from my previous married name. It was successful at that time. Now, five months later in XX/XX/XXXX, we are to the point where our house is almost finished and the loan agency had to pull my credit a second time, and it HAS to be under my current maiden name for the loan to be finalized. Same error again. Equifax has no idea why it is happening and has been unwilling to help. This is threatening to hold up the closing of my house and the authenticity of my documents ( of being the right name ). I am at a loss for what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are 3 unauthorized inquiries on my credit report, some a day right after the other that I would like removed. 

According to the FCRA these unverified and unauthorized accounts must be removed. 

They are not tied to any open accounts nor were there written consent for such reporting. 


XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 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 2021-11-11
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.cal.XX/XX/1995), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Affirm Holdings, Inc
State: MA
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:
My affirm account is still showing in collections that I have a balance owed and the balance is currently paid in full. Ive disputed this 2 times and uploaded confirmation of payment showing my account is paid and full and everyone the dispute results come back there are no changes. 

I paid XXXX  credit card off, I have proof of payment and they will not update my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
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:
THE EQUIFAX REFUSES THE REMOVE THE FRADULENT ACCOUNT FROM MY REPORT. ALSO NOT DOING ANY PROPER INVESTIGATION. I AM A UNITED STATES LAW ABOIDING CITIZEN AND I DON WANT TO BELIVE I AM LIVING IN A COUNTRY WHERE NOW RICH POWERFUL COMPANIES CAN DISOBEY THE LAW AND DO WHAT THEY WANT, I AM A TAXPAYER AND ASKING FOR A GOVERNMENT HELP TO DEAL WITH EQUIFAX ( MONSTER ). THERE IS ONE FRADULENT ACCOUNT THAT EQUIFAX IS REPORTING WITHOUT ANY EVIDANCE. 

EQUIFAX CREDIT REPORTING AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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 2023-07-09
Company: Experian Information Solutions 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:
I have a child support order against with covid it got behind {$3500.00} something to MO Family support division. It has been paid in full monthly and is now paid off my payment history was never on there or the balance decreasing on all Experian, XXXX, and XXXX and even says unable to locate me on the debt?? Thats not possible as my address are all on file with mo family support. I disputed the no payments showing and it still having a XXXX dollar balance.I sent in the payments receipts and showing its now paid in full yet when the results came back it updated the history but the balance still shows {$3500.00}?! Its paid {$0.00} owed all current and support once paid isnt credit or installment contract and shouldnt be reported once paid. That XXXX was roughly 30 % of my debt and my score hasnt changed to reflect the on time payments or boosted it ... ..again i paid and proved i paid off 30 % of my total collection debt but dont get any points or a correction where it reported no payments when infact theres been almost 3 years of paymentsade to it?

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 2023-06-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This auto loan has been disputed multiple times to no avail. It shows as 120 days past due when it's been over 3 years since the last payment was made. This is a FCRA VIOLATION. I expect this to be removed from my CBR at once.

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 2022-04-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been complaining about American Express for two years. This all began several years ago when i signed up for XXXX XXXX. XXXX XXXX was a credit repair law firm that helps consumers improve credit scores. The program offers a number of strategies and forms to ensure consumers maintain good credit. One of the forms and strategies is to file opt-out to bureaus to obtain relief from creditor solicitations. I filed both of the opt-out requests ( XXXX and XXXX ). 

American Express subsequently sent me a number of solicitations and advertisements. The counsel at American Express has denied the allegations and stated that it was not ever a violation. It was corrected and the issue is no longer. During the violations of the opt-out requests, i signed up for three American Express applications . ( one reason that XXXX XXXX tells customers to opt-out, is because some consumers have an inability to control spending. thus, they receive an application for credit and fill it out to spend money. part of credit repair includes budgeting and managing temptation to spend money on credit cards ) I have pulled two pieces of information from law and from the courts. The first is an example of fair credit reporting violation. The second is the law governing how creditors obtain information. 

185. OrderSetting discovery, pretrial, and trial datesObtaining credit information under false pretensesViolation of Fair Credit Reporting Act 15 U.S. Code 1681q - Obtaining information under false pretenses- Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

It is my belief that by violating the consumer protection laws surrounding the opt out that the creditor American Express obtained my credit information and submitted three inquires to the bureaus. American Express has refused to remove those inquiries from my report in the past. It is my belief that American Express has not done enough to rectify the violations against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As of XX/XX/2023 statement, my account ( XXXX XXXX XXXX ) is showing a credit balance of {$37000.00}. ( see attached ). On XX/XX/2023, pursuant to 15 usc 1666 I requested a credit balance refund. The request was sent by certified mail and received by Amex on XX/XX/2023. To date, I have not received my credit balance refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of an apartment, they sent a final bill that included a notice fee and an amount to replace the carpet. I contacted the complex, they admitted that the notice fee was a error, i asked to provide pictures and bill for replacing the carpet but they did not respond. 30 days later i received a call from a collection agency, i explained i had not received anything in writting and would like to dispute, they said they will be sending me information. i received nothing but they went ahead and reported this to my credit and just keeps calling.

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 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem getting your free annual credit report

Complaint:
I have not receive 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 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Flagstar Bank, N.A.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had XXXX on my XXXX  so I'm out of work for 6 to 8 weeks I asked for a deferment on my home instead they are looking at losing my payment among other things and causing the process to go longer they kept asking for documents even ones I had already sent it was supposed to take 3 to 4 weeks it has been longer and now it hit my credit report lost XXXX points because they reported my home delinquent if they would have done what they were supposed to do this would not have happened I asked them before it was even late

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 2023-09-18
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX  Account XXXX XXXX, Date XXXX XXXX XXXX, XXXX The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: KS
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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:
I have never borrowed or brought anything from this company who sent me a build that I do not recognize or I recognize the the address on the collection. I have never have any business with this company. I am going to attached the report on from experian. the report number is XXXX I I want them to send me the original payment that I used to pay them on the loan or what ever I brought from them.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: MO
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 infuriating! Despite the mane dispute letters and CFPB complaints I have been submitting, the Experian and XXXX Credit Bureaus have been doing nothing! I have been requesting that the Credit Reporting Agencies stop their erroneous reporting by removing the disputed accounts completely from my Credit File. I recently sent the Credit Bureaus a dispute letter complaining and requesting that the Disputed accounts immediately removed however, the Credit Bureaus have become negligent and stubborn. For the past months, I have been requesting that the Credit Bureaus send me copies of verification supporting the Credit Bureaus claims that the disputed accounts are verified. I took the liberty to investigate my own Credit File, since the Credit Bureaus are not doing their job, and took notes of the following : a ) there is an address that is till appearing to my Experian Credit File which I classified as inaccurate address and needs to be removed ; b ) the reported charge off account still indicated a balance despite the fact that it is a charge off account ; c ) the reported repossession account is an erroneous account and must be deleted as soon as possible ; and d ) there are information and accounts that are already deleted from the other Credit Bureaus but are still reporting on my Credit File, if the Credit Bureaus took the same action to verify the disputed accounts, why is it that some Credit Bureaus still indicate these accounts on my Credit File? Under the Fair Credit Reporting Act, Credit Reporting must be accurate! I need the Credit Bureaus to remove the following accounts completely from my Credit File : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$6500.00}

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