BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-28
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I went to XXXX XXXX College in XXXX XXXX Ohio in 1994. I was told by the school my grants covered my school. After i graduated I started receiving bills for XXXX. I have fought this tooth and nail, and because I was young back then i gave up on the fight because it was stressful fighting these collection agencies. After being refused credit for years i decided to call the XXXX XXXX XXXX XXXX company and ask for a copy of promissory notes totaling the XXXX, and what i received in the mail is a blacked out piece of paper that was ineligible to read, that said " sorry best copy we have '' It stated a loan for what looks like {$3500.00}, and someone had written my social security number on a piece of paper and taped it to the top of the copy. I immediately contacted them and said this is not sufficient and I do not owe XXXX and i want it removed from my credit report. They then sold the collection numerous times to so many collection agencies that now it is duplicated on my credit report and says i now owe XXXX. This is an injustice of the reporting bureaus for not actually verifying or correcting the duplicates on my report, let alone saying I owe a loan i do not owe. 
I have recently contacted all 3 credit bureaus via certified letters for each student loan collection account and duplicated collections. Each one said they verified I owe it and i know they did not verify it. I asked in the certified letter for signed documentation of the loans or please remove it from my credit report. They did not send me any signed documents and only updated each account saying it has been verified. Also another issue is, each collection agency has posted that i have been making payments on the account every few years in a blatant attempt to keep this on my report another 7 years. Im absolutely ready to file a lawsuit against each collection agency and the credit bureaus. They have ruined my credit for 25 years. I need help, this has been impossible to deal with due to selling the collection to so many agencies and none of them will remove it. Ive called them, only to be yelled at and told I need to make a payment. By the way each time i call a collection agency, they hurry up and sell it to someone else. This should be against the law, and probably is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
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 am writing to report a distressing incident of identity theft that has been ongoing since XXXX, which has resulted in significant financial loss and damage to my credit. Despite my best efforts, I have been unable to successfully rectify the situation due to the relentless actions of the perpetrators, who continue to exploit my personal information for their own gain. 
Recently, I experienced another setback when my gym bag was stolen, containing my wallet and cell phone. The individual responsible for this theft has not only gained access to my personal information but has also compromised my bank account. Substantial funds were withdrawn without my authorization, leaving me in a precarious financial situation. 
Furthermore, I have discovered numerous unauthorized inquiries from XX/XX/XXXX XXXX on my credit report, indicating that the thief has been attempting to secure additional lines of credit and loans using my identity. These inquiries and accounts have severely impacted my credit score more then XXXX points and have the potential to further complicate my financial stability. 
In addition to the aforementioned incidents, the thief has exploited my personal contact information, including my cell phone number, email address, and home address. They have even gone as far as using my photo ID, which was unfortunately stored in my stolen wallet. Additionally, my wallet contained not only my own Social Security card and ID but also my XXXX XXXX XXXX daughter 's Social Security card ( XXXX XXXX XXXX ), credit cards, and bank cards. 
Given the severity of these circumstances, I have closed my compromised bank account and establish a new one, Furthermore, I have cancel my debit and credit cards. 
I kindly request your urgent assistance and thorough investigation into this matter. I have already contacted XXXX XXXX Texas law enforcement twice once when I first found out that was a victim of identity theft in XXXX see report RE : XXXX and RE : XXXX. This report serves as an official statement regarding the ongoing identity theft, fraudulent activities, compromised bank account, and fraudulent inquiries and accounts in my credit report, along with fraudulent use of my social security number, ID, home address, email address and phone number. 
I deeply appreciate your understanding, support, and expeditious attention during this distressing time. If there are any updates or further information required, please do not hesitate to reach out to me. 
Thank you for your prompt action in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I began to use the credit card that was offered to me and as I used it I made payments so as not to have to pay interest and maintain good use and management, but the last payment received was not credited to the card since it is under investigation and if it will be made further payments will not be credited to the card until they determine to credit it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Fay Servicing, LLC
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: Public record information inaccurate

Complaint:
FAY SERVICES SAYS THEY ARE MY SERVICE PROVIDER I UNDERSTAND THAT THEY ARE THE SERVICER SINCE XXXX. THATS A LIE. I BELIEVE THE MORTGAGE HOLDER IS. XXXX XXXX XXXX XXXX. XXXX XXXX FILED 3 FORECLOSURES ON MY HOME. THEY ARE A CORRUPT XXXX COMPANY. I AM CURRENTLY IN COURT WITH XXXX XXXX XXXX. THEY KEEP CHANGING THE LAWYERS AND SERVICERS. DEFAMATION LAW WILL BE FILED SOON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: GA
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: ME
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:
Hard Inquiries on credit report XXXX and Equifax I did not authorize this company to run my credit report, this is fraudulent. 

XXXX XX/XX/XXXX institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 TransUnionXXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. 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 # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-08-19
Company: Experian Information Solutions Inc.
State: SC
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 asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!

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 2023-08-21
Company: Amsher Collection Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some issues on my credit file that need addressed. I have requested documentation from the following collection agency : AMSHER COLLECTION SERV XXXX XXXXXXXX. Please delete the above account they are not accurate and unverified XXXX FCRA violation. I have a legal right to dispute anything that 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 2017-05-15
Company: Experian Information Solutions Inc.
State: VA
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  Disputed {$1000.00} collection on my  XXXX  and Experian reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX   XXXX  sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the  XXXX  removal to Experian  XXXX  Checked my credit reports and both   XXXX    and Experian had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX   XXXX  reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidenc e to   XXXX  and Experian to dispute again

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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/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 2023-08-21
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I am writing this statement and want to say thank you for confirming that the SEQUIUM ASSET SOLUTIONS , LLC is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the SEQUIUM ASSET SOLUTIONS , LLC. Since the SEQUIUM ASSET SOLUTIONS , LLC decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ). Due to the SEQUIUM ASSET SOLUTIONS , LLC fraudulent actions, this constitutes as aggravated identity theft for knowingly, possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursuant to 18 USC 1028 and 18 USC 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Affiliate Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX XXXX XXXX stating that I owed them money for a bill and they gave me a choice of making payment arrangements. I checked my credit report annually and pay all of my bills, so I knew that I didn't owe anyone. I found the receipt of the bill that they claimed I owed in which was paid almost 4 years ago. I called and told the representative that I had already paid the bill and I had the receipt and wanted to know how did they get my information. We spoke for several minutes and she said that she would put in a depute for me. Called collection agency that I paid and they no longer handled account, she told me to give them the information on receipt. I called back to give them information on my receipt and they said that they could not take it. A couple of weeks later, I receive another letter stating that I have a balance and they had my personal information on it. So, I called them back again and the representative refused to speak with me because I would not give her my personal information in which I didn't have to before and she was very rude. I called back again and someone hung the phone up without even saying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Back in XXXX around the XXXX th I ask this company Pro Collect INC Account # XXXX to send me verification of a debt that they're constantly sending me letters saying I owe. They didn't provide a signed contract as i asked from the original debtor and a contract of them signing taking on this debt that was not my responsibilty. I am XXXX and due to my XXXX I was receiving help from HUD and they was responsible for my rent at the time. 

If this company Pro Collect INC would have done their research and validated the debt like i asked they would know that I do not owe this bill. This bill is the responsibilty of the agency that was assiting me at the time. I am still receiving government assitiance with my rent from the same agency just a different branch of Non Profit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May Concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. Other Accounts : XXXX XXXX XXXX XXXX XXXX  ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Installment Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau 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 2018-07-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I filed a complaint with the CFPB to get validation for the XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

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 2023-05-01
Company: Experian Information Solutions 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:
Dear [ XXXX/Experian/XXXX  ], I am writing to dispute the information regarding the XXXX account ( Account Number : [ account number ] ) listed on my credit report. The account is reporting with a past due balance of {$89.00} and a payment status of " Late 120 Days, '' which is not accurate and does not reflect my actual payment history. 

As a consumer, it is my right to have accurate and complete information on my credit report, as stated under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The burden of verifying the accuracy of the information provided to the credit reporting agencies lies with the furnisher of that information. 

In light of this, I demand that you investigate the accuracy of this account information and take immediate action to correct any inaccuracies. I have attached copies of my bank statements and credit card statements, which clearly show that all payments were made on time and in full. 

The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ]. Therefore, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report.

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA

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