BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MI
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 creditor, XXXX XXXX XXXX XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
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:
On XX/XX/XXXX I submitted to Equifax a request for an investigation of an improperly reported lateness on their report Confirmation # XXXX for account XXXX from XXXX XXXX XXXX who is my mortgage servicer. 

As I stated on my letter to Equifax, an incorrect 90 days late for XX/XX/XXXX was being reported. 

At that time I was under Chapter XXXX Bankruptcy protection and legally under reorganization ; Case # XXXX United States Bankruptcy Court XXXX XXXX of California XXXX XXXX filed on XX/XX/XXXX. Because of it no credit reporting was proper or required. The bankruptcy case was successfully completed and discharged XX/XX/XXXX. 

On XX/XX/XXXX when the alleged lateness occurred that being was reported I was in fact under an active bankruptcy chapter XXXX plan. 

Equifax not only did not care to investigate the facts after my written request but Equifax now arbitrarily and very damagingly reports on their new report Confirmation # XXXX a brand new bankruptcy case filed on XX/XX/XXXX. Never mind the Case # is the same of the XXXX case. It also reports a wrong court address. Finally it reports my mortgage under Wage Earner Plan when in fact it is not but it is current and being paid as agreed. 

All these new reportings are negligent and irresponsible and as such very damaging to my credit and reputation that I have fought diligently to repair since the economic downturn of XXXX ; witness the successful completion of the Chapter XXXX reorganization and an excellent paying record, to have now the credit reporting agency so carelessly and abusively dismiss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have been a victim of identity theft since 2018. I have filed numerous police reports and complaints with the FTC. I am submitting this complaint to your agency to submit to the CRA 's. Please help me expedite the removal of the fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: MI
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:
Source, XXXX XXXX Account # XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't 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 ( it ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Kovo
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: Account status incorrect

Complaint:
Kovo Credit reported on my XXXX credit report as if the account I opened with them was a collection and I settled for less than what they lent me PLEASE SEE ATTACHED ). Based on Kovo credit website, it is a credit builder company. That have a monthly service for some sort of downloadable books or pdf 's. Nowhere on their website does it says you can cancel and if you cancel you will be penalized. I have attached screenshots from their website and the only email screenshots that I have. Nothing mentions any sort of cancellation repercussion. I signed up for their membership ( NO CONTRACT ) on XX/XX/XXXX and made the first payment, I made another auto payment from my account on XX/XX/XXXX, and on XX/XX/XXXX I sent them a cancellation email. On XX/XX/XXXX they responded to the email and acknowledged they cancelled my account per request and will be sending me my money back ( SEE ATTACHED ). 

Under no circumstances did I get any credit from them or services from them, for them to inaccurately flag my report as " Settled Account '' and report it negatively. THIS IS MISREPORTING. THIS MISREPORTING CAUSED MY CREDIT SCORE TO SIGNIFICANTLY DROP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MA
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 called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these following accounts late will be removed. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX XXXX provides our Fica score on their site. Recently our score dropped over 20 points. The explanation is that we have balances that are too high. However we don't have high balances. We have one car loan of {$5700.00}. We have a home loan and those are the only balances we have. We have more than adequate income for these balances. We never carry a balance on our credit cards. I have talked to XXXX XXXX XXXX XXXX. They referred me to Experian claiming that they exclusively get the report from them. I talked to Experian and they claimed it was XXXX XXXX that decides what the report says. The representative continually tried to get me to open an account with Experian. It has seem like Experian is hurting our credit to force us to pay for their service. The other two credit reporting agencies don't report our balances are too high. I feel like this is black mail. We can't even open a dispute because we don't have any high balances to dispute. I have included the credit report from Experian. Can you help with this?? 
XXXX XXXX and 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 2023-01-05
Company: Experian Information Solutions 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 have tried to get my information corrected on my report My Namw is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX My employer is XXXX XXXX XXXX All of the rest need to be removed because of fraudulent activities.

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: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being harassed by Synchrony Bank for payments showing past due only because of their banks error. 
I have a term powersport loan for a XXXX XXXX through Synchrony Bank. I am on Autopay as confirmed in writing by Synchrony bank. They mis-applied then corrected a {$2000.00} principal pay down made on XX/XX/XXXX, however when corrected and reapplied they put me in arrears and started collection calls, stating my autopay was not scheduled to start until XXXX ( due to the incorrectly posted {$2000.00} ). I have explained this two months in a row to the collectors XXXX on XX/XX/27 and another not so nice collector on XX/XX/27 who were calling me for money, none have acted to resolve this and re-start the autopay. I was unable to reach a supervisor or manager as they transfer you into a queue to wait, one time I waited 15 mins then disconnected, the other time I was disconnected after 5 mins so I have abandoned the effort to speak to someone in management at Synchrony Bank. I also wrote a letter mailed XX/XX/XXXX to XXXX XXXX XXXX of XXXX XXXX XXXX Vehicles regarding the matter. I also called on XX/XX/XXXX and spoke to XXXX regarding the correcting the principal paydown. Synchrony has my confirmed auto payment set up and were drafting payments successfully prior to the debacle with the {$2000.00} principal paydown, they also have my {$2000.00} but continue to harass me for money two months in a row and appears no action is being taken to resolve the matter though I have explained this 3 times now.

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 2018-08-05
Company: CITIBANK, N.A.
State: OH
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:
I have specifically sent in a Police Report to customer service NUMEROUS times and dispute all transactions on my account that were not mine when i sign for transactions i use first middle and last initials when i requested them to have proof they only have signature of XXXX i gave 3 reps my police report and i will not provide it again and it still shows i have late payments and i still owe the balance of {$4000.00} I disputed this also numerous times and it should not have to keep getting disputed over and over and over again. If this isn't removed off my report within 5 business days i will be contacting the Ohio Attorney General XXXX XXXX. I have the right to fix whats correct. It is unfair that i'm responsible for this. i only made a 1 transaction and this is the transaction i made ORIGINAL TRANSACTION AMOUNT {$750.00} on XX/XX/2018 please remove all transactions except the XXXX. this is the only one i should be responsible for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 )  THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 )  KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX   XXXX  INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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 status incorrect

Complaint:
I have been disputing the account XXXX XXXX XXXX, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile. 
On Experian the Date Last Active is XX/XX/2022 and on XXXX the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with 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 explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I do not have an account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I have never received any bill nor notices from XXXX XXXX I viewed by credit report, and I saw this error. I was never informed of such issue. This issue looks to be very small and to put it in my credit report without verify with me that this issue an account I know of every very strange. This company says I owe then {$140.00}. I do not owe them any funds. Please remove this from my credit reports. 

People please be aware of this type of company I do not believe it is legit what kind of people just puts something in your credit report without even calling your or sending a letter to you there are rules for this kind of thing.

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 2019-04-05
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I XXXX XXXX am filing this official complaint to get reimbursed XXXX $ from XXXX XXXX and am this complaint also in conjunction of My current financial institution XXXX XXXX Bank XXXX Pennsylvania. I am sure XXXX is operating fraudulent. Upon signing up with their initial paralegal to start proceeding with credit repair I was verbally quoted a specific charge of XXXX $ per month. Then I was contacted by another paralegal to re-evaluate my case. This paralegal quoted a price of XXXX also she said she would transfer me back to customer service to see if they would honor afore said price when I initially signed up for credit repair. I am fully aware that the reason I was contacted the second time was because prior to XXXX charge I had shut XXXX XXXX debit ach for XXXX down. So in turn they reach out again and literally bully me verbally into reopening ACH for a totally different amount per Minth but yet My XXXX XXXX account is being ACH debited from XXXX every two weeks. I dont get it? And then they super imposed my signature to a new contract and XXXX XXXX Believes XXXX. Why? Because XXXX XXXX knows I tried to stop ACH and they are aware that XXXX are literally Robbing people. I wS asked by XXXX XXXX if I wanted to stop transactions on my account? What? And I would be a damn foul to keep that account open so XXXX can go in my account and take more money? The snow ball effect starts then I have more problems with XXXX XXXX overdrafts which are XXXX $ each. 
So very Sincere XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-05
Company: Collection Management Holdings, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company called credit management companies call before XXXX. Its XXXX here in AZ and received a phone call from them. I know this is a violation under the fair credit. The phone number that called is XXXX Who the XXXX calls at XXXX XXXX  I dont know who they are.

Company response to consumer: Closed with explanation