BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: UT
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 placed a dispute on my Experian credit report for an item that was incorrect. Experian resolved the dispute but removed the wrong account from my reporting. They removed my current auto loan from my finance company and my score dropped. I have documents and invoice statements and I need it readded and corrected, as well as my finance company has not reported on my Experian report since XXXX of last year. Im trying to buy a hous and move forward from my bankruptcy but unfortunately can not due to this issue and most creditors and lenders look at Experian first

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 2017-04-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I reported to Equifax that my SSN was in my report as an account number for a closed, paid loan with University XXXX and thus violating FCRA section 609 ( a ) ( 1 ) ( A ), and that there was incorrect information in the entry multiple times. 

They have refused to truncate the account number so that my SSN is not in my report. 

The account with the University XXXX is missing the date of first delinquency, indicating it would continue on record forever, as if it were n't paid in full. Since it is not being guaranteed by a government agency now that it is paid in full, the date of first delinquency is required to calculate the date that the account would be obsolete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Kross, Lieberman & Stone, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX XXXX, KROSS, LIEBERMAN & STONE said I owe them XXXX and I disputed this claim and said I did not have a contract with XXXX XXXX, KROSS, LIEBERMAN & STONE and THIS company put this on my credit report. I call XXXX, XXXX, XXXX and they told me that these people can report this on my credit report with out having a contract or social security number all they need is my name and they can report what ever.

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 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 Companies had no authorization for my credir to be ran and do not recognize any of these inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have called Ace Cash Express they have no record of this payday loan and when I call corporate no one answers and no one can give me any information about this payday loan. Please I need this to be deleted off the state data base because ACe Cash Express is the one that filed to the florida state data base that this payday loan from XX/XX/2006 has been unpaid. This is incorrect please help I have filed a complaint already on the Florida office Finacial I get no response from anyone they cant tell me anything all I know is I need this to be deleted of the Florida state data base ACE Cash Express inc ( Also known as Populous Finacial Group, inc XXXX XXXX XXXX XXXX XXXX XXXX Payday loan XX/XX/2006 Amount {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Premium Credit Bureau
State: GA
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:
Hello, On XX/XX/XXXX I submitted a complaint based on Premium Credit Bureau pulling an authorized hard inquiry on my credit report. XX/XX/XXXX they responded confirming that within 60 days the hard inquiry will be suppressed. 

It's been 323 days and the unauthorized hard inquiry is still on my credit report. See page 28 of my XX/XX/XXXX XXXX Credit Report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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 2022-02-23
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and seen fraudulent activity.XXXX XXXX is saying I owe $ XXXXThe paperwork/Their proof is saying the debt belongs to a female.Iam a male and I will attach the proof. 



This fraudulent debt that belongs to a female I dont know of or never lived at the address thats on the paperwork/Their proof.This have cause me not getting approve for a new home and it became depressing not being able to provide for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Payoff process

Complaint:
I 'm a XXXX vounterable adult and I have a issues with only having a XXXX grade education I collect XXXX since I was XXXX I 'm XXXX now I am being sent to court cous I choose to eat meals an sleep in a warm place It 's spring out now I can live outside an I do n't have do much to pay other than mm u debit my only suggestion

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am making a complaint against Wells Fargo again about the {$30000.00} settlement check they will send me. This money is going to cover my legal fees but what about the water bills, the loss I incurred for not refinancing my property, all of the pain and suffering during these years for Wells Fargo to take responsibility? They said that the check they will send is not an admission of liability of their part but who are liable of this mess? Their lawyer dragged me into this so they should be liable. 
I just spoke to XXXX and the property has a water bill of {$13000.00}. I mentioned that from the beginning that I contacted XXXX and they could n't give me any information because the house was not on my name. Apparently it is under my name now since it is recorded and it has to be paid. 
The rate is going up and I can not refinance yet because Wells Fargo can not finalize my papers. It is lost opportunity for me. That is why I am asking Wells Fargo to settle with me fairly. They need to do something. I am really tired over this.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXT XXXX Account XXXX XXXX, XXXX NM Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # GWHZXXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want to put a freeze on my Equifax credit report, since my SSN was compromised. I tried to use their online service for doing so, but I was prompted to verify my identity and create an account first. After completing that process on their website I got a message saying the could not verify my identity, and they would send me an access code by snail-mail to the address that I provided, which I could then use to verify my identity and create the account. 

After waiting for, and eventually receiving the piece of mail, I went to https : //my.equifax.com/pin as instructed to complete my enrollment. That was apparently successful, but I still have not been able to log into my account and it's been several days now. Every time I try to log in their website says " We are temporarily unable to complete this request. Please try again later. '' I have tried several different browsers and they all have the same problem. 

Having to do this over the phone instead of online is unacceptable, especially for someone like me, who has a XXXX loss that prevents me from using the phone normally. Equifax is the only one out of all three major credit bureaus that has this problem, and I have successfully completed this process in less than an hour with the other two.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've disputed the information with XXXX, Equifax, and XXXX about duplicates listed on my negative account regarding student loans. XXXX loan is listing for only XXXX $ but is clearly a part of the loan with the same account number and open dates. There are other student loans from Dept of Education/XXXX with the same everything thus, listing that I have XXXX negative accounts when there should only be XXXX. This is really hurting my credit score and I ca n't get the Dept of Education ( since the loans are no longer with them ) nor the credit bureaus to correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TN
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 a victim of identtity theft. I filed the correct information according to the FCRA and submitted disputes to the credit agencies. The disputes are not being processed correctly and the paperwork from the FTC is not being attached to the disputes. I am not getting copies of the verfication process sent to me. 

These are the accounts : XXXXXXXX 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 2023-11-22
Company: Gatestone & Co. International Inc.
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:
On XX/XX/XXXX a debt was reported on my account in which I am not liable. I do not have a contract with Gatestone Contact CNTRE, they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In regards to Case number:XXXX Please remove the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-02-28
Company: TENET HEALTHCARE CORPORATION
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had something showing up on my credit report from Central Financial Control but never received any notice from them. I sent a dispute through the credit report and it said to contact them, they wanted my Social Security Information, my address, etc. I asked them who the debt was with and they said XXXX Hospital. I told them that I was only seen there once in XX/XX/2014 and gave my HSA card. The girl said the debt is from XX/XX/2014. I asked them to send me verification/validation of the debt and she said no to fax a request in. I explained I never received any debt validation notification, I then said I disputed the validity of the debt. I have written them with no response. I asked when they originally sent me the notice of right to dispute this debt, she said she could not tell me that. yet this is on my credit report and I feel they are affecting me and causing me harm. This is an old debt. When I call XXXX they referred me to syndicated office systems, who referred me to Consumer financial. I have had the same address and phone number for 13 yrs. I asked them to mark my account as disputed and will be faxing a demand to remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sufficient evidence of this debt was not provided. In my dispute with XXXX, the debt was removed from my Credit report. 30dys later the debt resurfaced under a different name onto my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Recorder Of DeedsRef : XXXX State Tax Lien - Filed Recorder Of DeedsRef : XXXX Federal Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.

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 2023-02-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX date opened XX/XX/2006 and the statue of limitation stated how long items remain on credit file. 7 YEARS ONLY I WANT THIS Their date of last activity is inaccurate in credit file. I want this removed immediately from my file according to FCRA. Thank you.

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 2017-03-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, MD XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FAIR COLLECTIONS & O acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 2023-12-10
Company: National Credit Systems,Inc.
State: LA
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 got an apartment in my son 's name in 2019 due to me having a broken lease on my credit report because my mama died in 2019 and I had to break my lease to go and stay with my elderly dad who can not care for himself. I then found an apartment that the manager assisted me with using my son 's name to get me approved for an apartment that she was managing. She said it was okay to use someone else name to get into the apartment complex. I had been living in the apartment for years until the manager allowed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was very frightened. I then moved out the apartment and left a balance with the apartment complex due to me having to relocate. The XXXX of the complex refused to let me take care of the debt and turned the debt over to the NATIONAL CREDIT SYSTEM in my son name. Me and my son has tried to contact the NATIONAL CREDIT SYSTEM to take care of the matter and they are refusing to speak to me. Now he is having issues getting a home or apartment and it is not his fault and the manager of the complex told me it was okay to use my son name to get the apartment.

Company response to consumer: Closed with explanation