BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: Collins & Hilton Asset Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collins Asset group reported a collection to personal credit report last month .... Prior to that there was no notice of collection, letter, call or inquiry on this debt they claim is owed to them. Request for validation of debt came back with a simple print out stating that 24k+ was owed to them from the loan originated in CA back in 2017 at 29.66 % ... It is a known fact that CA statutory limit on personal loans is 10 % .... isn't this a usury? After disputing the accuracy of this account with the buraus Collis Asset groups responded with " full validation and confirmation of total accuracy of this account '' to all 3 CRAs However, could not produce signed contract, proof of origination, proof of any payments made on this loan in the past and no proof of personal identification that would prove they have the right person on this collections and who the original creditor/lender was besides the fact that this is originated in the state of CA ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: PA
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 XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 Equifax Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Notice of Dispute - Violation of FCRA Rights and Request for Account Removal To Whom It Concerns, I am writing to formally dispute the handling of my credit information by Equifax and to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. After reviewing my credit report, I have discovered that there is an inaccurately reported charge-off account from XXXX XXXX with the account number # XXXX. 
Under the FCRA, I have the following rights, which have not been adequately addressed in the handling of this account : 1. The right to an accurate and fair investigation : Equifax has failed to conduct a proper investigation into the disputed charge-off account, which is my right under the FCRA.

2. The right to dispute inaccuracies : As a consumer, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. This includes late payments associated with the disputed account. 
Based on the aforementioned rights, I hereby request that Equifax promptly removes the disputed charge-off account from my credit report, along with all associated late payments. I expect this to be done in a timely manner, as required by the FCRA. 
Failure to comply with my request and rectify the inaccuracies in my credit report may lead to further legal action to protect my rights under the FCRA. 
I have attached relevant documentation to support my dispute. Please review this information and take the necessary steps to correct my credit report accordingly. Thank you for your attention to this matter. I anticipate a swift resolution in accordance with the FCRA 's guidelines. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
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:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES SHOWING DISMISSED CHARGES THAT WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. I HAVE NO AFFLIATION TO THIS ACCOUNT. I HAVE BEEN IN DISTRESSED FIGHTING THIS AND I AM REQUESTING AN INVESTIGATION TO HAVE THIS ACCOUNT OFF MY CREDIT FILE PERMANENTLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I have an XXXXXXXX XXXX  debit card and it was place on hold because Bank of America repot me too early warning when Bank of America agreed too removing the file XXXX from Bank of America said theyll remove it and its still on there so please remove this file from early warning

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I saw this on my credit report. I asked what it was via email, and was referred to a phone number. This phone number never was able to give me a live person to validate the payment, interest rate, or payment arrangement if I was unable to pay. The email referred me there and no resolution occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I/we bought a home which was financed through US BANK XX/XX/XXXX as a 30 year mortgage through the American Dream Down payment program. Over the years, payments were made to US BANK and often placed in a " suspense account '' which I/we weren't aware of. I/we were making many payments which they accepted, and failed to apply toward the mortgage loan. As a result, not only did they have the funds in their hands, I/we received no credit for it and therefore were forced to pay late payments and damaged credit. For the last couple of years, I/we attempted to make extra principle payments and found out that they too went to a suspense account which I/we knew nothing about. As a result, I/we attempted to remove the escrow ( which I was told multiple times could be done since there is quite a bit more than 20 % equity in our home, only to find out we had been misinformed multiple times. They are now saying that because this is an " American Dream '' loan, It can not ever be removed from escrow. This was in complete contrast to what was being told throughout this process. My regular mortgage payment is only {$500.00} and is now going to about {$1000.00} which is unaffordable. The way this mortgage has been handled ( whether is legal or not ) has been very costly with SEEMINGLY late payments and fees and they have offered no relief. I offered to prepay my taxes ( which the county allows ) and pay my mortgage premium in full for the year and was informed that if that even if that was done, they would still require that I/we pay the XXXX dollar a month. Refinancing would probably be a problem since payments " appear '' to be late. If they weren't going to apply the payments to the loan they should have been returned not held for the benefit of the bank. All I'm asking is to be allowed to pay my own taxes and insurance so that my money can work for me and not US Bank. This bank claims that they waived a couple of late fees which they should have done because THEY posted a payment to their " suspense '' account which was clearly a mortgage payment and caused a domino effect. After proving it, they went back and made adjustments ( still affecting my payment history ). This is an attempt to do some damage control and get my mortgage under control. There is no risk to this loan by allowing me to pay my own taxes and insurance. That's all I'm asking as it would be a great relief. A look at the history of payments that went to their " suspense account '' would tell a lot. I/we also requested a history of the payments that were processed since this loan began and got one only since XX/XX/XXXX. I will request another one from the beginning of the loan. Any assistance will be greatly appreciated. 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 an 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 explanation
Consumer complaint received 2020-04-09
Company: Early Warning Services, LLC
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:
Early warning service is housing incorrect information on there profile about me, i sent them letters the then respond saying my dispute is not being done and basicly im lying, one of there records i have spoken to the bank directly and they advised me that they advised EWS to remove this since XXXX along with the XXXX. this company lack of support and in corrrect information is causing problems and my next steps will be a civil suit against them if they do not correct this errors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A mortgage company has a foreclosure listed on mine and my husbands credit report. 
We sold our home in XX/XX/2021 ... .so, there was no foreclosure and yet, the mortgage company that held this loan listed a foreclosure on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-09
Company: Bridge It, 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: Information belongs to someone else

Complaint:
I dont have any business with any of these companies and my I am a victim of fraud Brigit/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: AL
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:
Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I sent off letters to dispute accounts with Experian, XXXX and XXXX in XXXX of 2022. I still havent received a response from any of the them in almost two months later. The dispute was in regards to these consumer reporting agencies reporting information without my permission. According to 15 USC 1681b, a consumer reporting agency may only furnish information with written instructions of the consumer. And I am the consumer and I didnt provide them written instructions to do so. Furthermore, 15 USC 1681a ( 2 ) says that reports containing information solely as to transactions or experiences should be excluded from a consumers 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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I looked up my credit report and seen an alias name under mine that I had never used. It was my mother. The last name XXXX is her last married name I dont even know how to spell it right. When I was a teenager my mother had asked me for my social security number and I gave it to her because she was my mom and wanted to claim me on taxes because I was supposed to be living with her but we didnt work out so I never knew she used my information. I never lived in Ohio the longest I was there was a month and a half. I want to fix it because I have no clue what she did?? I do know she applied for bankruptcy when I was there that she still was going through that.

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 2023-11-15
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Assured Financial LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a Text from XXXX saying I owed money form a XXXX I had back in 2020 for a XXXX XXXX. I have called my doctor and the hospital, and no money is due. I actually received a refund from the XXXX center. 

The lady said I owed the money and that she was going to apply a XXXX late fee and then hung up on me. 

I believe is company is a scam and needs to be shut down! 

Assured Financial is the name of the company trying to say I own this money. 

My questions is how they got this information. They had my XXXX date, doctors name and address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My name is XXXX XXXX and I am reaching out to you, because I have an issue with the way my credit utilization is being reported. My score was approximately XXXX as of XX/XX/2023 and my score is XXXX. The credit bureau stated that my credit utilization was XXXX XXXX, which is incorrect. I only charged XXXX XXXX of one of my credit cards. My other credit cards all have a XXXX balances. Per the information I received as to how to calculate your credit utilization ratio to determine your credit utilization is a follow : 1. Add up the balances on all your credit cards.

2. Add up the credit limits on all your cards.

3. Divide the total balance by the total credit limit.

4. Multiply by 100 to see your credit utilization ratio as a percentage. 

Based on this, I am using XXXX XXXX of my credit. How can my score go from XXXX to XXXX within 1 month solely based on my having a higher credit card balance on one card and no balance on all other cards. I am starting to think this is purposely happening. Some of my family is experiencing the same issues. Based on research, as long as you stay below 25 % of your credit card usage. Your score should not go down. 

Not only that, my son is an authorized user on my card, which now has decrease his score by XXXX points. 

I would appreciate your assistance in this matter, so that my score can go back to XXXX where it was. I will end up contacting my attorney regarding this, because this is not right. 

I have attached my credit score history so that you can see.

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 2022-11-03
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXXXXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : 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 non-monetary relief