BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-07
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXBalance {$110.00} XXXX XXXX XXXX-Balance {$1400.00} XXXX-Balance {$9200.00} XXXX-Balance {$790.00} XXXX XXXX XXXXXXXXBalance {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: Account status incorrect

Complaint:
Equifax and XXXX  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 have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 being making payment on my Capital One credit card for almost a year and none of this is being report on my credit report.My balance has come down. Im trying to fix my credit that is why I started an agreement with the agency to started monthly payment do I could get a fix on my credit but they are not holding up tethered end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this MEDICREDIT ( XXXX XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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:
This is my several endeavor to tell credit bureaus 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-31
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: MD
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: Problem with personal statement of dispute

Complaint:
My Ch XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and I'm not disputing. Just please asking for the information to be early exclusion.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
Today at XXXX XXXX, we contacted XXXX. We've been waiting for over XXXX  months. To be able to see our score online so that we may be able to also look at any discrepancies on. Are credit file XXXX  facts will not despite us uploading a lease to them, allow us to see our scores. We were told by the first person of a month ago that we would be able to see our score the following day. When the following day came, we were not able to see our scores. And we did a week to call in again. Since folk XXXX, another representative who told us that we needed to upload proof of registered sea, so we sent over our lease. Weeks later, we continue to have the issue and contacted someone on today. 
They relayed the information and the address. XXXX facts and XXXX will would not unlock our files, so they we could see 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 non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: VA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: CT
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 reached out to The three credit bureaus and the original creditors to try and fix this issue and I either get hung up on or flat-out ignored. XXXX XXXX told me they were going to correct it and made me wait 10 business days to see the change only to get nothing and be flat out IGNORED! I sent out letters to them to correct this issue and have not heard anything in response to my letters. This is a violation of my rights as a consumer and is gravely impacting me. I was never late on this account and need this error fixed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
My husband and I filed for bankruptcy in XX/XX/XXXXafter the XX/XX/XXXX crisis so that we could avoid foreclosure on our house. Shortly before we purchased a vehicle from XXXX through XXXX ( which was bought by Santander I believe ). We did not include the car in the bankruptcy because we were not behind and wanted it to count toward our positive credit. However, sometime in XX/XX/XXXXSantander decided it would move our loan to their " bankruptcy department '' once they found out we had filed. Shortly after, I was locked our of my online account, and I did not receive any bills through the mail as I did before. I also did not receive any emails about my monthly statement. I had to call and make payments, which seemed very suspicious to me and was not something I consented to when I purchased the car using their services. I slowly phased out making payments, and my last payment was XX/XX/XXXX in the amount of {$500.00}. After that, I was frustrated with the lack of help in understand the restrictions on my account, and the amount due, that I stopped paying. It was at this time that the car was ruined by a mechanic who replaced the timing chain and subsequently an error in their work wrecked my engine. They failed to admit responsibility, so I poured money and time into filing complaints and looking for a lawyer, and didn't think twice about Santander. 

This past XX/XX/XXXX, Santander called my husband and said they were repossessing the vehicle. I had never received a notice from them about the amount owed or my account. The operator claimed that they could not find the car ; this was a lie as we have lived in the same location for nearly 7 years. Also, the car had been inoperable for the past 2 years. They came at night and got the car, damaging our driveway as the car 's engine had locked up and therefore the tow guy had to drag it. 

Today is XX/XX/XXXX. I am on hold with them. I asked the operator to verify the last bill I was sent. I've been on hold 15 minutes waiting for an answer. She will be sending me a list of all my payments. I have a letter (XX/XX/XXXX) stating that I broke a promise and will owe them whatever is left after they auction the car ( which they did so onXX/XX/XXXX ). 

I am an intelligent person ; this seems ridiculous. I do not plan on paying a dime without a fight. Please help me do so. 

PS - I will also be filing with the XX/XX/XXXX in NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the beginning of the month i sent letters to all buraus in regards to fraud accounts and inquiries reporting and still the issue has not been resolved. per 15 usc 1681b. I DID NOT AUTHORIZE ANYONE TO FURNISH ANY OF THESE LET ALONE FRAUD INFORMATION AT THAT. I WILL HAVE TO TAKE LEGAL ACTION IF THIS ISSUE IS NOT RESOLVED SOON.

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 2020-08-12
Company: Experian Information Solutions Inc.
State: PA
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 am a consumer in pursuant to 15 USC 1692 A3 Experian, XXXX and XXXX is in violation of 15 USC 805 Communication in connection with debt collection ( a ) Communication with the consumer  generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian, XXXX, nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to  dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: OH
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 recently went to a car dealership and was unaware that I had 19 hard inquiries on my credit report until the salesman notified me. This was shocking and upsetting to me and I have been trying to resolve this for quite some time. These are the accounts listed below : XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-02
Company: Transform Credit Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was denied credit from this service because I didnt have a co signer nor I agreed to any other contract or commitments to this service Ive tried calling but no representative answered phone I have two accounts that show on my XXXX report that not suppose to be there I need both to be removed from my account that is fraudulent. I never received money from this company,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Recently I found an incorrect Bankruptcy record reporting on my credit file. I filed a dispute in writing and went a step further and contacted the Bankruptcy court of record in an attempt to sort out this error. I was referred by the clerks to the Office of Criminal Enforcement for the Executive Office for U.S. Trustees, whom I contacted several weeks ago. Last week I received a letter from your firm informing me that the Bankruptcy information was verified. Now, Today I received a call from an investigator in the Office of Criminal Enforcement, who informs me that the information YOU have verified as accurate was INCORRECT.

Based on the information provided by the investigator it appears that YOUR firm never contacted the Bankruptcy court, never verified or validated the information disputed and is in violation of the FCRA. Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy.

Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification.

The Phone and Fax numbers of the Individual or Department from whom you obtained this information.

Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA.

Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy.

You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A.

1692g ( b ) dispute and 30 days to provide the information requested above.

If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is trying to collect a debt that does not belong to me. XXXX has sent this account to a number of collection companies that is reporting that I owe a debt to them. XXXX has deleted this account. File # XXXX debt was deleted found not to be my acct. File # XXXX was given to another collection agency and was deleted by XXXX. File # XXXX this was sold to another credit agency and they are now reporting the account to be mine yet, does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint.  ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-10-18
Company: EQUIFAX, 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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the collection account listed on the following account. This delinquent account record is inaccurate and is not my account, I am a victim of identity theft. I request that the following account be promptly removed. My identity theft of my personal information is still ongoing and any credit that was issued out with out my consent must be removed. 

XXXX XXXX XXXX : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  opened a loan they have the wrong address it was opened under an address that wasn't even mine I have asked them for the loan papers that I have signed the address it was opened under the birth date and the amount they have yet to send me any of this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the credit reporting act XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instuctions.

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