BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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 belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NV
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 am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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: 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2020-06-13
Company: CITIBANK, N.A.
State: NY
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 XX/XX/XXXX I set up a payment plan with Citi Bank credit card services. I was put on a payment plan of {$160.00} a month to pay back balancedI owed. Every month from XXXX to present day I have made my scheduled payments. In XXXX of 2020 I I check my credit report as usual and found that my score had dropped 42 points because citi reported I late paying {$360.00} that I never was aware I had to pay since I had been paying the {$160.00} every month. I was never notified that I was late or owned more that the agreed amount. I disputed it with XXXX and was told after investigation the could not give me any information and said I had to reach out to citi to discuss what proof they provided to confirm that I was late on payment. I provided XXXX with proof of payment history. After a second dispute the credit report was unchanged and they have recent payments listed at {$0.00} but my balance is around {$2000.00} less than it was in XXXX. I never was asked to pay {$360.00} when I called in to make payments and never received any notices that I was also behind. XXXX also had my account closed as of XXXX and it was closed in XXXX per Citi in order to establish payment agreement.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-10-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 have disputed the information directly with Nissan Motor Acceptance and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I contacted Experian about my credit report in XX/XX/XXXX. I am currently trying to buy a house so I pulled my credit report up and my score was very low and a lot of information was on there I was not aware. I have asked them to remove these negative reports. I explained my husband had gone through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and his time was limited so I needed to get my report up to buy a house for my family. I stated XXXX ( a collection agency ) had an account on there from XXXX XXXX ( so they presumably bought the debt of {$530.00} ) that was closed and damaging my credit. I have no recollection of any account from XXXX XXXX nor XXXX from XX/XX/XXXX and feel they have violated my rights. 15 USC 1681. There is also an account from XXXXXXXX XXXX  that has been paid off and still reflecting on my account after I explained my need for this to be removed. I will be a single mother/widow who has paid on time numerous cards on my account. Ive paid off every debt Ive ever had in My name. There is also a negative report of XXXX for XXXX that I have never heard of nor recall. I explained to Experian I needed these removed because of the negative impact on my credit and I need to get a home loan. My family will not have a home in XXXX. I am begging for my rights and my information to be protected. I have reported identity theft to identitytheft.gov. Please help me get these removed from my credit.

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 2020-06-13
Company: Collection Information Bureau, Inc.
State: FL
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:
Doctors Business Bur/XXXX XXXX XXXX XXXX have posted 13 accounts of {$30.00} each in my credit report dating back to 2014. I have sent pay to delete letters offering to make payment arrangements with the agreement that the account be 'Totally Removed ' from all credit reporting agencies. In other words, I asked that they do not simply show as Paid, but instead completely removed. The company has not responded. A sample of the letter has been attached. 

BTW, I never understood why the accounts existed. {$30.00} is what my copay was in every visit and in every visit I paid it in full. So I don't understand the charges and was never explained why I was double charged. I have XXXX as a medical provider.

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 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have two inquiries on my XXXX credit report by the following companies ; 1.  XXXX XXXX XXXX on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with XXXX and XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Bread Financial Holdings, Inc.
State: NY
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:
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX  : {$1000.00} XXXX XXXX  : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX XXXX : {$830.00} XXXX XXXX XXXX XXXX {$1900.00} Comenity Bank : {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: Global Lending Services LLC
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 was shocked when I reviewed my credit report and found late payment on my file. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Arrived home from vacation with a credit card opened in my name. The card is in my name and sent to my home address, but the originator of the card is an address in North Carolina. XXXX XXXX XXXX XXXX. XXXX, NC XXXX. I contacted Bank of America on XX/XX/2022. The account was closed and it was recommended I contact my local authorities, file a report with the FTC.gov, and notify the credit bureau to make sure the account is closed and removed and that no other accounts have been opened in my name.

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 2021-06-01
Company: MONEY SOURCE, INC., THE
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Morning, I am in the process of doing some work on my house. The contractor reached out to my town for a permit which was denied due to owed taxes. 

The town treasurer said that tax payments were missed and not yet resolved. 

I called the mortgage company which i was told they needed 10 days to researched I asked if the payment could be sent in the meantime which it wasn't. 

I sent 2 emails with no response and called to follow up which they told me that they did pay and disconnected me. I haven't received and update or any follow up and my taxes still have not been paid. 

The company takes monthly payments to my escrow account to pay taxes for me and they have not done that. Where is my money going. This feels very fraudulent and due to the lack of response and makes it even more so that are committing fraud. I still do not have a permit and my work is on hold due to this. I would like someone to step in so they can not continue to steal money from people and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: VA
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:
See document attached

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: Experian Information Solutions Inc.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, has violate my rights. 

15 USC 1681 section 602 A States I have the right of privacy.

15 USC 1681 Section 604 A Secton 2. I also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.

I dont agree with the negative payment status and history listed on this account.This account never was late and was paid on time as agreed. The investigation done by the credit reporting agency was fraudulent.

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: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently found a large debt collection on my Credit Report. The attempted debt collection was for a past debt paid from a credit grantor, XXXX XXXX XXXX. For over a year the debt related to that account has been reported as a balance of {$0.00}. I paid the outstanding amount shortly after they closed the account. THE MIDLAND CREDIT MANAGEMENT collection account appeared on my credit report on XX/XX/XXXX. The account is listed as opened on XX/XX/XXXX. As of XX/XX/XXXX, the original creditor reported the account as charged off with a balance of {$0.00}, reflecting that I had paid them for the outstanding amount. This account was originally opened on XX/XX/XXXX. For many months, this account has been listed as an old charged-off account, reporting a {$0.00} balance on every credit report I can access. Midland Credit reports that the Credit Claim was opened on XX/XX/XXXX. However, the Collection Account only appeared on my credit report as of XXXX. I dispute several issues - 1. I paid the original debt to the original creditor 2. My credit report has listed the outstanding balance as {$0.00} for nearly a year 3. Midland supposedly started collecting this ( inaccurate ) debt in XXXX of XXXX, yet it only appeared on my report a week ago. I paid the original amount. However, even if I had not, the fact that the original creditor listed my balance as {$0.00} for over half a year created ( Again, not admitting this is accurate ) the impression that there was no outstanding debt and, therefore, I had no reason to address the debt. Suddenly, having a $ XXXX debt appear in a collection account out of the blue after being led to believe that all debts were paid is, at a very minimum, deceptive and unjust. However, all that said, my pain point is that this debt has been paid, and the debt being " collected '' is one that I have already addressed. I am happy to share screenshots and saved copies of my credit report showing the account listed as having a {$0.00} balance. This new collection has dropped my credit score by over XXXX points and has put me at a severe disadvantage in my pursuit of home ownership, and I hope this can be rectified promptly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Reporting company used your report improperly

Complaint:
I have previously requested documentation from the creditors and the credit bureaus showing me the validation of the attached debts. I submitted my original request in XXXX and XXXX requesting documents that display MY actual wet signature proving that I am the person that applied for these debts. I have not been provided with ANYTHING and it is unacceptable that these items are still being improperly reported.

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