BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
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: Information belongs to someone else

Complaint:
EQUIFAX, XXXX  AND XXXX  HAVE INFORMATION ON MY CREDIT FILE THATS IS NOT MINE/INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A bill for {$57.00} was sent to AMSHER COLLECTIONS for a medical debt that I wasn't aware of at the time. 
I paid the amount to AMSHER COLLECTIONS for Account XXXX over the phone in XX/XX/2018. I have proof from my bank that the amount was paid, and I sent them an email stating it had been paid. However, they reported it onto my credit as a debt in collections. It is on my credit report currently, and should not have been reported as it has been paid. 
It is showing as a debit on my Bank Account on XX/XX/2018 going to AMSHER that was put in on XX/XX/2018. 
However, they've reported it on my credit report as an unpaid collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or a 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or were opened without my permission. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Even after make a complaint I still was not allowed to access my own credit bureau file they say I can not b verified

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 2021-08-21
Company: Seasons Collection Service
State: NE
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:
XXXX XXXX XXXX is stating I owe them {$1000.00} for something that I never brought or product that I never received. The Credit Bureaus are not of much help as I have disputed this item 5 times and I still have to continue to show proof with a police report and Federal Trade Commission report. However XXXX XXXX XXXX  do not need to provide any proof to the credit bureaus. Please provide information as to what to do next? This has been going on for almost a year and still with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
DISCOVER CREDIT CARD HAS DECRESSED MY CREDIT LIMIT FROM {$2700.00} TO {$1300.00} DUE TO INACCURATE INFORMATIOM PLACED ON MY XXXX   XXXX XXXX. FROM FRAUDLENT CREDIT CARD INFORMATION REPOTED BY OTHER CREDITORS. WITHOUT INVESTIGATION OR DUE DILLGENCE OF THE CREDIT INFORMATION BEING REPORTED?.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion has had my account frozen and ... '' In Dispute " ..for over 12 months. I can not even get a response. I am on hold till they obey the law.

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 2018-06-14
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an alleged debt from XXXX XXXX property management that went into collections. The collection agency is XXXX XXXX XXXX. I called in XXXX asking for written verification to be sent to me, they told me they do not send out letters due to being an eco-friendly company. I wrote a letter asking for verification in XXXX and there was no response. I disputed the debt with XXXX and XXXX in XX/XX/XXXX ; they did not verify the debt with XXXX so it was removed from my credit report from that bureau. However, they did verify the debt with XXXX. I called them in XX/XX/XXXX to request information to be sent to me, but I was sworn and yelled at by a supervisor and called names, before he hung up on me. I called again and someone took a message, I have not received a call back. I had an attorney send them a letter in XX/XX/XXXX also, they still have not responded to him or me. I have also called and left messages for the original creditor. XXXX XXXX, asking if I could settle the debt with them without any response back to me. XXXX XXXX XXXX is adding interest to this debt every 7 days, but won't allow me to pay anything, because I can not get in touch with anyone! I have no way of verifying this debt nor do I have anyway to pay this debts off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
Hello, My name is XXXX XXXX. I have gathered the following information from my Equifax, XXXX, and XXXX credit reports. 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 ) 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 XXXXXXXX ) ... all have violated my rights as listed below.

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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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:
I moved in XX/XX/XXXX and canceled my XXXX  service to the old address, returned the equipment and paid the amount due after we had moved into the new house. I do not have their service at my new residence so have not had business with XXXX since. 

In XX/XX/XXXX I had XXXX XXXX XXXX place a collections account of {$150.00} on my account from XXXX. I received a call from a collections agent and asked for information of what this balance was for and never heard back. I tried to dispute this with Equifax on XXXX of XXXX and again in XXXX of XXXX which it was not removed. I have spent many hours on the phone with representatives from XXXX trying to figure out what these charges were for and why I never heard about them until there was a collections account on my credit report. I have never received a breakdown of what they were charging me {$150.00} for, over 3 years since I had XXXX  service. 

In XX/XX/XXXX I spoke with someone in XXXX collection department over the phone who suggested I go to one of the XXXX retail locations because they can access account information he could not. I went to the XXXX Michigan location and spoke with an associate that said because the account is so old she could not see what the charges were for but assured me it happens all the time. She offered the number to the collections department that I had just spoke to that instructed me they could not get the information. Her other option was to pay the {$150.00} to XXXX at that location and promised that the collections account would be removed from my credit report. At this point I can only assume it was a bogus charge but I paid XXXX just to be done. 

XXXX XXXX placed the account as paid although there was no payment to XXXX. I was assured that XXXX was instructong the collections agency to remove the account. Neither XXXX  or XXXX  could show me where the charge was coming from and what it was for. I agreed to pay XXXX their bogus charge that they could not prove for them to have XXXX XXXX remove the bogus account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2020-10-11
Company: Financial Assistance Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Financial Assistance , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I've tried repeatedly to have this unknown debt removed via written dispute requests, but the collections agency refuses to validate this debt and perform any valid investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
These inquiries have been added to my credit report without my authorization! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I disputed them and they remain 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 2022-12-29
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our complaint is that while we paid Ocwen mortgage on time every time, out of no where we get a 1098 for only {$XXXX} I am not sure why they can get away with it but Ocwen constantly changes ( 4 changes out of 6 years??? ) our 1098s without any acknowledgment of what or why??

The letter attached shows that we had paid per agreement {$XXXX}, in interest Then Ocwen proceeded to do an " audit '' and keep/take {$XXXX}. We were never told 1. That they did the audit 2. What was decided by this " audit '' 3. Where the money went ....

We have tried, multiple times to ask where this money went but the problem is Ocwen then sold off our note to PHH ( they are in business together ) so when we asked, they only say " not our account '', and since they did not pay the taxes ( PHH had the account for escrow ) We only realized the extent of the problem when we only got a 1098 for {$XXXX} from Ocwen, and {$XXXX} from PHH in 2020 1098s for. We are missing {$XXXX}. minimum as our average 1098 is over {$XXXX}, so we keep asking where is it? We paid you over {$XXXX} in interest and Ocwen can not just say an audit happened.no explanations where the money went.

I have no idea why they bring up who paid the taxes since we are talking about ( at least since this audit gave us NO IDEA what was up ) this is interest expense, not escrow.

We have set up a transfer to another mortgage company as Ocwen is too much work trying to keep track of the money they move and don't tell you where it is going. We need the money back please, I have attached the letter from them showing they have no explanation of where the money went also a crude excel print out of the previous examples of 1098s, and how can they be so for off? So often?

Also you fix a {$25000.00} +/- problem with Ocwen earlier this year and we can not thank you enough!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Atlanticus Services Corporation
State: NY
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 am writing to report a violation of U.S. Code 6802 involving account number XXXX, under the label XXXX XXXX. This account, originating on XX/XX/2021, is associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite mailing a certified notice requesting my Disclosure in accordance with 15 USC 6802 ( b ), I have not received the mandated disclosures as per federal law. The law explicitly mandates that financial institutions must provide consumers with three disclosures before disclosing any non-public personal information. This is to allow consumers the opportunity to opt out of such disclosures. 

XXXX has knowingly and fraudulently withheld critical information, manipulating the situation to their benefit. This has led to unlawful reporting of my non-public personal information to non-affiliated third-party entities, against my will and rights. This situation has caused inequity for me, my family, and my household. 

I hereby invoke my specified remedy as permitted by law, which was denied by XXXX 's withholding of disclosures, pursuant to 15 USC 6802 ( b ).

Immediate action is requested to address this violation and ensure resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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