BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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 am a victim of identity theft. The fraudulent information listed below is showing on my credit report is not mine. I am officially disputing the fraudulent information and requested an immediate investigation. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-13
Company: EQUIFAX, 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: CA
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:
On my XXXX, XXXX  and Experian Reports there are to many inquiries that I did not authorize. 

It is very disturbing that these inquiries were made without my written consent or knowledge and I would like them removed immediately please. 

Thank you, XXXX XXXX Please see report pages with the inquiries that I did not authorize or consent to.

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 2022-11-11
Company: EQUIFAX, 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:
XXXX XXXX. Acct # XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the following illegally reported allegation here and now : I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. ALL claims, true or not, must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and requisite standards, which is currently the XXXX, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS and others. 

Per laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to retain and/or report any chicanery based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I'm having problems reaching someone who can defer my payments also there is a payment reporting late which I've never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXXXX/XX/2022 Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX  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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Aqua Finance, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed directly with the creditor ( Aqua Finance ) REGARDING AN ERRONEOUS Account they have been reporting on my credit report for over 1 year. 

I opened 1 account with this company and after disputing it with them directly. They claimed to have done an investigation and verified that all information is correct with the credit bureaus, when it is not. 

They also fraudulently opened a " new account '' claiming to have " re-booked '' an older account but with new terms and conditions which I DID NOT agree to. They fraudulently opened a second account nd began reporting it to the credit bureaus. 

You can see in the second letter attached dated on XX/XX/XXXX, THEY ADMITTED TO THIS FRAUDULENT activity. 

The account reporting for both are in violation for the FCRA and as consumer they have prevented me from getting a mortgage I believe because the CRITICAL Metro2 fields are non-compliant.

The fields do not match. " Account Status '', date opened, Date closed, date of last activity, Comments, credit limit. 

Both of these accounts under the FCRA should be deleted immediately for failing to report accurate, consistent and objective information. 

this company has hurt my financial well-being and cause serious mental and emotional distress for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report. I seen an amount for {$34.00}. This includes a medical service that I am unaware of because the information is not me or owed by me. I was XXXX  between the time of XX/XX/ 2020 throughout COVID-19 pandemic. I was under Medicaid throughout the duration of the time of my XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
PLEASE DELETE THIS NAME OFF OF MY CREDIT RPORT ( XXXX XXXX ) MY NAME IS XXXX XXXX XXXX OR 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 2023-10-03
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX of this year we were contacted by XXXX XXXX XXXX ( XXXX ), a collection agency, hired by XXXX XXXX in XXXX, TX. 

We inmediately responded to the debt collection agency but they did not reply or acknoledged our communications. Instead a few months later we received notices from different bank institutions that our credit score has been penalized because XXXX filed this report. We were flabagastered that they can do anything like that and we felt defenseless. Our credit report has been impleacable for decades and the action of a rogue, umprofessional agency feel they can go ahead and damaged our financial credibility is just wrong. We are seeking an inmediate withdraw of that report and we hope that CFPB would help us defend ourselves in this matter. 

We used XXXX Pools for a few months, back in 2022 but overall we had to switch to a more efficient company because of the poor quality of their service and under trained workers they had. At one point our robot needed a new valve and after reminding them 3 or 4 times they installed it... backwards!! The pool would frequently look unkept and the fountain area greenish. We owned the house for over 7 years at that time and never had greenish water on that area. 
On XX/XX/2022 they recommended us to clean the pool filters and we agreed to that charge although they quoate us higher than ever for that service ) the following day the pool system stopped working. We called and they fixed it but wanted to charge us an additional {$180.00} which we disputed. 

We were very unhappy with their handling of the issue and decided not to work with them anymore. We left repeated messages about cancelling the invoice but they kept sending it without any explanation. 

We did not agree not to sign any invoices, proposals, or contracts for these services for the month of XX/XX/2022 and we told them that we have no intention to pay for them, first to the XXXX XXXX company and then to the Debt Collection company. We dutily paid for every other invoice they sent us in the past, like we had done always with the previous company we had used. This is inmoral and probably illegal and we are seeking for some guidence to make sure they dont do this in the future to us or other people.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft and someone used my information to obtain credit card with XXXX XXXX and XXXX. I have contacted these companies and spoke to their fraud department and was advised to file a dispute under fraud. These accounts are reported as closed. XXXX account number partial reported is XXXX and XXXX  account number partial reported is XXXX. These fraudulent accounts need to be deleted from Experian, XXXX and XXXX I have already submitted my FTC fraud affidavit.

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 2022-01-03
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: Information belongs to someone else

Complaint:
I've reached out to Equifax for the last several weeks and was unable to reach anyone that can help me. Equifax has continued to restrict my ability to dispute inaccurate information online. When I call in I get transferred around and have gotten no service and only offered a call back which never happens. Then the agent says I can only speak to OCA in XXXX only which is never available and never returns calls. Im so fed up with Equifax 's discrimination of my credit file and how I'm continually being mishandled by Equifax and its employees. 

I was trying to reach out about a fraudulent account and inquiries listed on my credit file. The following account is a result of my Identity being stolen from and having my information included in data breaches : 1. XXXX  XXXX ( account ending in XXXX ) Fraudulent Inquiries : 1 XXXX XXXX XX/XX/2020 2XXXX / XXXX XXXX XX/XX/2020 3. XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
On XX/XX/XXXX at approximately XXXX I applied for CapitalOne Spark Business Credit Card I apply using my XXXX XXXX XXXX , then I received an email at XXXX asking me to provide 1 document from each box ( See Attached Document ) which I did I provided my XXXX  and my letter from IRS containing XXXX  ( See Attached Document ) according to the website where i applied it stated that the process would take 7 to 14 business days, but on XX/XX/XXXX a Hard Copy of my Credit Report was pulled. So I waited and waited still no response, so on XX/XX/XXXX I made a call to Capital One at XXXX at the telephone number XXXX and spoke with a XXXX she claimed she could not find my information and I explained to XXXX I had a copy of the email that was sent to me and the copy of the successfully uploaded of my documents, then I asked to speak with a Manager which she did provide a Manager name XXXX  , so I proceed to explain to XXXX  what I was experiencing and he stated there was a glitch in the system and he wanted me to provide my documents again and I stated if there is a glitch in the system you need to speak with your supervisor and let them know XXXX proceed to tell me his office was in Florida and the main office was in the XXXX  and he could not just walk over there. So I decided not to re-submit my documents and wait to see if I would get a response from XXXX or from CapitalOne still no response to date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since XX/XX/2018, my personal information has been illegally shared by XXXX XXXX with a company named XXXX. XXXX claims that Jefferson Capital Systems , LLC is their client and that I owe {$60.00}. I have been harassed repeatedly for years with them overwhelming my inbox. It has been stressful. I am a XXXX XXXX  already dealing with enough mental health issues. I do not have an account number for this alleged debt and did not give my express permission for a person, corporation, or any third party to release my personally identifiable information or contact information. The information that they have obtained is also grossly incorrect! Please just make it stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023, I reviewed my credit report from XXXX, XXXX and Transunion and noticed several accounts and inquiries that I did not recognize or authorize. I believe I am a victim of identity theft, and these accounts and inquiries are fraudulent. 

Attached are copies of my credit report highlighting the accounts and inquiries in question, a copy of my identity theft report, a copy of my FTC Identity Theft Affidavit, and proof of my identity. 

I request that XXXX, XXXX and Transunion investigate these matters promptly and remove these fraudulent accounts and inquiries from 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 2023-06-08
Company: EQUIFAX, INC.
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2022. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A physical bill was received from MOHELA dated XX/XX/XXXX with a due date of XX/XX/XXXX. The notarized post office post-mark date is not compliant with the 21 day notification per Department of Education guidelines, policy, and federal law. 

Upon review of the physical bill, the amount listed only delineates the principle amount. It does not include, list, or reference the additional interest amount. Upon review of the MOHELA website, my online account does not include, list, indicate, or make any reference to the additional interest on the principle amount. I had to call MOHELA to acquire this information. 

Moreover, MOHELA indicated a XXXX minute wait to speak to a representative during this process. However, it took over XXXX minutes to connect with a representative who proceeded to place me on an additional XXXX minute hold. 

Furthermore, upon request of physical documentation of MOHELA providing notification to all 3 credit bureaus, the representative informed me they were unable to do that, and placed me on an additional hold. 

Cumulatively, this is a violation of the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Federal Trade Commission Act, the Consumer Financial Protection Act, 34 CFR 685.220, 34 CFR 685.102, 34 CFR 30.1-30.70, and the Gramm-Leach-Bliley Act of 1999.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
*Email from XXXX XXXX to XXXX on XX/XX/XXXX* My name is XXXX XXXX , previous XXXX customer Loan # XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX My Loan has been transferred to another servicer. 

I am writing to dispute the negative credit reported to the Credit Bureau on my account. Due to the Hurricane Harvey disaster, I was placed on a forebearance forgiveness plan with LoanCare and should not have reported negatively on my credit. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- *Email from XXXX to XXXX XXXX on XX/XX/XXXX* Dear Valued Customer, XXXX has generated a support ticket to help us track your inquiry. Your ticket code is XXXX Please use this code in any further communication. 

Please see attached document that states " Please be advised we have removed the delinquent reporting from your credit bureau report to reflect current, transferred XX/XX/XXXX '' XXXX Customer Support XXXX XXXX XXXX XXXX  XXXX, VA XXXX -- -- -- -- -- -- -- -- - I also submitted a dispute with Experian on XX/XX/XXXX and received a decision from Experian on XX/XX/XXXX stating the following : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' ****Please removed the delinquent reporting from my credit score as a result of the forbearance forgiveness from Hurricane Harvey Disaster for all months from XX/XX/XXXX to XX/XX/XXXXXXXX I also have an active dispute with 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
Consumer complaint received 2023-10-03
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called XXXX XXXX XXXX XXXX to verify why is this on my credit report i never lived in ohio and its affecting my credit they wanted my ceedit card information and i refused they started cussing me out on the phone I realized this is a scam and they do not want to remove this off my credit

Company response to consumer: Closed with explanation