BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022, its been way over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX allowed me to make a payment arrangement with them to pay my account. And get caught up from being behind due to Covid-19. I asked how this would impact my credit report. And I was told multiple times not to worry about the credit reporting. Because XXXX was giving me an accommodation. And that under the FCRA any loan modification to your original loan terms was an accommodation. And could not be reported as anything other than current.

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 2021-06-21
Company: NCB Management Services Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've been a victim of ID theft and have multiple accounts opened in my name. I've taken EXTREME precautions to get my life back. Currently, I've I have freezes on my SS #. 

This Debt was successfully disputed, removed & closed XX/XX/XXXX XXXX  XXXX SAME DEBT was purchased by a XXXX XXXX file # XXXX for {$5700.00} beginning XX/XX/XXXX then placed on my credit report AGAIN! This caused my score to drop 57 XXXX XXXX XXXX points which is ludicrous!!! 
To my understanding, it is illegal for third party debt collectors to place anything on a credit report. 

XXXX ( Whatever that stands for ) has not sent any formal letters to my address identifying who they are, what this debt us, or given me ANY personal details about the debt other than an amount and name of creditor. They know NOTHING about me at all!!! They use to robo-dialing that hangs up when you answer so you can't event talk to them!!! These are such unprofessional and unwanted business practices! 

I don't owe this debt. Please assist, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX, i purchased a house, the lender was country wide mortgage only at closing did i found out my interest rate was 12 % adjustable note. After about a year later i got a letter informing that Select Portfolio servicing had taken over my loan. I have struggling so hard to keep my home or sale it to get the equity out of it for my senior years. I put {$50000.00} down on this house. Back in XXXX, a company identified Select as a predatory lender and got 4 years without paying any notes. In XXXX they came back with a vengerence my notes was {$1200.00} a month and every year it kept getting higher and higher. I tried to refinance during this time but they had a very negative report on my credit report so i could not get it refinance. I been during everything i could to hold on to my house. Back in XXXX they tricked me into a modification loan which almost doubled the amount of the loan. All these years none of my money went to the capital just interest. Back in XXXX a class action suit was filed against countrywide mortgage for charging XXXX XXXX higher interest rate on their homes. i am one of those people. I called them, they said that was for Florida residence, but that did not stop them for using predatory tactics with me all these years. They are once again threatening forclosure, sale date XXXX XXXX XXXX which they have changed several times on me. They offered me another modification, {$950.00} for three months after that they will set a new amount. I am on Social Security. I get {$1300.00} a month I do not want to lose my equity, so I sent in the first payment for XXXX XXXX, XXXX. They have a predatory lender from day 1 of my loan. I need help. I think i need to be compensated for all these predatory lending practices. XXXX XXXX are the private investors on this loan. After many lies from them, I finally talked with them. They said the only way to get my home is to do the modification for the next 40 years. I would be with them for al total of 60 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Account status incorrect

Complaint:
One of the laws that deals with identity theft in the United States is the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. This federal law sets out rules and guidelines for how consumer credit information is collected, shared, and utilized. It also provides mechanisms for correcting any errors in credit reports, which can be critical for protecting my reputation and financial well-being.

Identity theft, when carried out using my personal information, could lead to defamation of my character because the thief 's actions might tarnish my credit history and financial reputation. For instance, if the identity thief uses my information to open fake accounts, default on loans, or engage in criminal activities, these actions could be attributed to me by creditors, potential employers, and others who might perform background checks. As a result, my ability to secure loans, find housing, gain employment, or make significant financial decisions like buying a house or starting a business could be seriously hindered.

As I'm working towards buying a house and establishing a business, having a strong financial reputation is crucial. Lenders, landlords, and potential business partners often assess my creditworthiness and character before entering into agreements. If someone has stolen my identity and used it for fraudulent purposes, it could result in financial liabilities that I'm not responsible for, which could negatively impact my credit score and overall reputation.

Considering 15 USC 1681, a part of the Fair Credit Reporting Act, this law offers specific protections for consumers like me whose credit information has been compromised. It includes provisions for accurate credit reporting and avenues to dispute incorrect information. These measures are vital in rectifying the harm caused by identity theft and preventing further damage to my character and financial prospects.

Identity theft involves someone using my personal information without authorization, such as my name, social security number, or financial details, for fraudulent purposes. This act can have serious consequences both legally and personally, including potentially damaging my reputation, which is a form of defamation. Defamation refers to making false statements that harm someone's reputation, and in the case of identity theft, it can happen when the thief uses my stolen identity for illegal activities, which can damage my character and stand in the community.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-02-11
Company: Experian Information Solutions 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:
I disputed an account with Experian and the collector on XX/XX/2019 but they keep verifying it. XXXX XXXX XXXX XXXX attempts to collect {$16000.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.

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 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a letter from CapitalOne bank to my name and home address dated XX/XX/XXXX indicating that they have closed my account ending in XXXX. I am not sure what type of account this is, since I have never owned or applied for any account with CapitalOne I called CapitalOne on XX/XX/XXXX at XXXX and explained this to them. They requested my date of birth and social security number and then informed me that they could not provide me with any information since the information I provided did not match their records. They told me this appeared to be some type of " mistake '' but would not further elaborate. 
I believe this is likely a case of identity theft. I am assuming that someone opened an account using my personal information, and would like to report this so it does not adversely impact my credit report. I was unable to get any assistance from CapitalOne in resolving this issue. It is interesting that this is the first correspondance I have ever received at this address from CapitalOne despite them believing I have opened an account with them. I am wondering if there are any other steps I should take to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am an XXXX at the XXXX XXXX XXXX XXXX. I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX from XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to the XXXX XXXX XXXX office where i am employed and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them On Friday XX/XX/XXXX exactly at XXXX XXXX  I spoke to XXXX who said he was from the fraud department integrity team and stated that and he didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Blok the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department. These fraudulent collections are not mine and need to be blocked from my credit report Under the Fair Credit Reporting Act Section 605B FAIR COLLECTIONS & OUT ACCT NUMBER 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 2022-06-04
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:
The Credit Bureau equifax stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CFPB complaint : On XX/XX/XXXX, I placed phone call to XXXX XXXX XXXX XXXX in response to a call I received from them. ( XXXX ) XXXX They informed me about their attempt to collect debt they claimed I owed LVNV Funding LLC for a total of {$1100.00}. The original creditor of this debt was XXXX XXXX XXXX. 

Upon my request, they agreed on sending me information in writing about such account. 

On XX/XX/XXXX and XX/XX/XXXX, Resurgent capital services sent me two letters with 2 attachments : a credit card statement and an account summary. These documents indicated that the account origination date was XX/XX/XXXX and account charged off on XX/XX/XXXX. 

I replied via certified mail requesting validation of debt as belonging to me by provision of the original contract signed agreement. I requested that information twice. Resurgent Services, replied to me twice not providing the contract signed agreement but the copies of the card card statement and the account summary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
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 recently reviewed my credit report and found unauthorized inquiries.

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XX/XX/2023 Reason : I don't recognize this inquiry

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-22
Company: EQUIFAX, 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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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/block any items 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1600.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX  XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation