BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Dispute of Multiple Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy and validity of several items that have been reported on my credit reports from XXXX, Equifax, and XXXX. The details of the disputed accounts are as follows : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review, I have identified discrepancies in these accounts that I never authorized. As mandated by the Fair Credit Reporting Act ( FCRA ) 1681b, credit reporting agencies can only furnish reports for permissible purposes. I have not provided written authorization for the aforementioned accounts to be reported on my credit reports, indicating a potential violation of the FCRA. 

For your reference, I have enclosed pertinent documentation which includes proof of my identity, current address, and other crucial details, encompassing my social security card, ID, passport, driver 's license, and insurance card. 

Per 15 USC 1681c-2 and 15 U.S.C 1681 Sections 602 A & 604 A, Section 2, I assert my right to privacy and the inaccuracy of unauthorized entries on my credit report. I demand the removal of the above-mentioned accounts from my credit reports within 24 hours. 

Please find attached a detailed list of the inaccuracies and disputes for your convenience. 

I await your prompt resolution on these matters and expect confirmation of the rectifications on my credit reports. Your immediate attention to this matter is crucial. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
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:
I have a charged off account with  XXXX   XXXX   XXXX   XXXX . I contacted them to pay this balance and they told me I could not. That they had cancelled the debt and there was no balance to pay. Acct  Number   XXXX  I disputed this with   XXXX   and Experian to remove the balance and the balance remained after the debt. My  credit score is  being artificially lowered by a balance that I can not even pay.

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 2017-05-05
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt  was   XXXX   XXXX   XXXX   XXXX , and they appear to have sold it to Kansas Counselors, account was opened in  XXXX  therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting 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 2018-10-22
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: Their investigation did not fix an error on your report

Complaint:
Equifax Confirmation Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Equifax regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Equifax received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Equifax provided me with the results of their reinvestigation on XX/XX/2018 stating " information disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' ( See attached copy of Equifax results of reinvestigation. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Equifax 's reinvestigation results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Equifax has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623.  Therefore, if Equifax does not immediately remove this account from my credit report, Equifax will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: Mid-Atlantic Finance Co., Inc.
State: VA
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 received notification recently of a 30 day delinquent reporting on my credit which resulted from the company that I financed my vehicle through. I immediately contacted the company in efforts of resolving this matter as I knew I had not been delinquent on my car payment recently as I'm working towards rebuilding my credit after losing my mother and being in/out of work as her caretaker. I spoke with countless representatives who stated that my account was reported as delinquent because of a deferment granted back when my mom was living and the loan was not satisfied so the account was reported 30 days delinquent. I had no understanding of this scenerio provided and advised several associates that this was very deceptive as if this was the case I would have never agreed to the deferment to begin with. After speaking with several reps, I finally called back and spoke with with XXXX XXXX XXXX who appeared to be very understanding and stated that she saw the deferment and maturity date had nothing to do with the negative reporting and she saw that my account had been paid timely for the past year at least. She stated that she would research further and follow-up with me. She asked that I send her the reporting as received from the alerts set up to monitor my account. I quickly complied and after sending the documentation. XXXX responded and stated that all recent reporting was accurate and that the XX/XX/2021 payment was delinquent and sometimes the updates are delay. AFter providing XXXX with my payment history as shown on their website as well as confirming that my payments are due on the XXXX of each month and the XXXX payment was made on XX/XX/2021 using two debit cards and should not have been reported as 30 days delinquent. This adverse reporting has hindered myself and my family from being able to move forward in the marketing to purchase my first home and gather back the pieces of my life since the passing of my mom. I'm asking that this be assessed and updated immediately. I had emailed the company and XXXX but I'm being asked to file a formal dispute instead of making the adjustment to avoid this type fo escalation. I take pride in trying to regain my credit worthiness and would like a written response that this has been removed from my credit report and a formal apology from the company as this has taken me ten steps back in buying my first home. I feel that this is very deceptive to me as a consumer and I'm expected to accept their response without them trying to assist me as their borrower.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer. 
Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 originally disputed accounts on my consumer report and Transunion and XXXX  responded that files are verified and updated on my consumer report which is a direct violation of multiple us codes including 15 usc 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is ( obtained through personal interviews with neighbors, friends, or associates ) of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, ( such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ) or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( 15 usc 1681 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 18 us code 1028A ) - ( aggravated identity theft ) Whoever during and in relation to any felony violation enumerated in subsection c knowingly transfers, possesses or uses with out lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

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 2020-03-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied to refinance a investment property with HSBC US the requested the following information : 1- Documentation to verify the total housing expense for all real estate listed on application, including but not limited to : principal, interest, taxes, insurance, HOA fees, ground rent and assessments, as applicable. 
2- Provide the Initial Written Verification of Employment Untranslated 3- A Satisfactory Project Questionnaire must be provided. 
4 - The loan is contingent on approval of the project. 
5- Rent loss insurance, equal to a minimum of 6 months gross monthly rent for the subject property, is required in order to consider rental income. 
6- The maximum allowable deductible on your homeowners insurance policy is 5 % of the face amount of the policy, unless state law requires a higher maximum deductible. 
7- Current year 's operating budget is required for satisfactory project review. 
8- An HO-6 insurance policy is required when the master insurance policy does not include, coverage for betterments and improvements. Coverage must be sufficient to repair the condo unit to its condition prior to the loss claim event. 
9- A Master Hazard and Liability Certificate must be provided evidencing satisfactory coverage including : General Liability, 100 % Replacement Cost, Fidelity Bond Insurance , Property, Rent Loss, Boiler/Machine and Umbrella Coverage. 
10- Approval contingent on verification of credit, income and other financial information stated on application 11- HSBC will verify that a minimum deposit/investment balance of {$75000.00} in a qualifying HSBC *XXXX* *XXXX* XXXX XXXX  XXXX  XXXX   XXXX : XXXX XXXX XX/XX/19 account will be established or has been maintained. Required deposit is in addition to the amount needed for down payment and/or closing costs. 
12- Borrower to provide a letter of explanation for the Address of XXXX XXXX XXXX XXXX XXXX, XXXX CA. If borrower has ownership, provide verification of all expenses for the property 13- Provide the most recent credit card statement and Mortgage statement for XXXX XXXX 14- Title to list correct name for HSBC. 
15- Provide explanation for address of XXXX XXXX XXXX , XXXX , PA listed on bank statements. 

They rejected my application based on Excessive obligations in relation to incomeI asked for a copy of the documents submitted to the underwriter more than one time and I did not get it. I believe they submitted my information with wrong information which resulted in this rejection. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: GA
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 spoke with XXXX and equifax today which is XX/XX/XXXX about some negative inquiries that are reporting on my credit report and they did nothing to help but give me a hard time. 

equifax : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Negative items on my credit report has happened to me as a result of fraudulent practices of a school I once attended ( XXXX Colleges ). This college was found guilty of violating state laws using illegal and deceptive tactics. I am being punished by having these loans reported on my credit report. According to William D Ford Direct Loans under the borrower defense these loans have been discharged. 
The original lender sold these loans to a 3rd party and the capitalized interest increased significantly over the years. Making my current loan amount exceptionally high. I dont owe this debt and I didnt benefit from the fraudulent school. 
I have requesting these fraudulent loans be remove from my credit report 3 years ago. I have recently made another request to the credit bureaus. I am requesting your assistance in getting the credit reporting agencies to adhere to the guidelines of the Federal Fair Credit Reporting Act as it relates to reporting these loans on my report, These loans on my credit report have prevented me from obtaining credit, buying a home and causing me to have poor credit. Essentially making my life miserable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: CT
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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint Equifax responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-01-13
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/28 Request was sent for student loan refund. I was told processing wait would be 10-14 weeks. Have not received any refund or change in balances on Aidvantage loan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX my score was dropped by XXXX points. I havent opened any new accounts, havent closed any, have never ever been late on any payments whatsoever. Contacted credit reporting agencies, they had no idea why.. ever since I signed up for XXXX XXXX with my XXXX a count, funky stuff keeps happening. They lowered my credit score by XXXX points out of nowhere just a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
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.

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 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 2023-04-13
Company: EQUIFAX, 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:
There are MULTIPLE fraudulent items on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my credit report. 
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 
I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  XXXX  forclousing on my home without me being aware they were selling the home. Home bought in XX/XX/2016.. XXXX XXXX has lien but sold account to XXXX and I was not aware. Account sold several time and companies asking me to pay from the beginning. For several years I was not aware who had my small loan for $ XXXX, balloon loan. I am current with big loan.. not behind.. But XXXX  has foreclosure date of XX/XX/XXXX and I just learned about it I have been paying SLS. ( Specialized Loan Servicing ) on large loan and just now they also have the small loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation