BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: Equidata, Inc.
State: CO
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 repeatedly disputed erroneous information on my XXXX   credit report that has adversely affected me and my credit worthiness. XXXX XXXX XXXX has re-inserted an account that was previously deleted by XXXX due to a prior investigation. This re-insertion was not only done without notification to me, but also is riddled with errors and inaccurate information. I have disputed previously with XXXX   and the CFPB directly, which has still not resulted in acceptable resolution. XXXX is in clear violation of the FCRA and the CFPB has not been effective in resolving this ongoing issue. 

The entry on my report for XXXX XXXX XXXX ( XXXX ) has the following issues with their reporting : 1. Clear violation of re-insertion guidelines after deletion from a previous dispute and no written notification to the consumer 2. Creditor classification is listed as Banking - XXXX is not a bank and this is inaccurate - should be removed immediately 3. No original creditor listed on this account - how is it even possible that XXXX is verifying this information and it's accuracy with the original creditor then? 
4. Type of Account - Open - this is completely inaccurate and should be deleted. I don't have an open account with XXXX 5. Date Major Delinquency First reported is listed as XX/XX/2018, yet last payment is listed as XX/XX/2018 ( with a {$0.00} balance ). How is this possible and why is PRA verifying this inaccurate information? 
6. Why is this account reporting a High Credit amount of {$690.00}? I don't have a credit account that would justify reporting this information from XXXX! 
7. Account status is listed as Collection account but is not listed on my credit report in the collection account section. This erroneous information should be deleted. 
8. Additional information entry also lists this account as a Paid Collection but it does not appear as a collection account per XXXX 's own reporting. This should be deleted.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-03-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Received foreclosure notice for my property because of late association dues. 
My current mortgage servicer as of XX/XX/2021 is Carrington Mortgage. The foreclosure letter showed XXXX XXXX the previous mortgage servicer on the letter. I have forwarded the information to Carrington Mortgage who is my current mortgage servicer. my current mortgage servicer. Spoke with Carrington Customer service XXXX, requested Homeowner Association delinquent dues be paid out of escrow and they put me on a 5year repayment plan. XXXX stated there was not any hing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my multiple attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: Central Portfolio Control Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX HAVE BEEN A VICTIM OF ID THEFT. IN XX/XX/XXXX I CONTACTED XXXX XXXX TO INQUIRY WHY I HAD A CREDIT INQUIRY FROM THEM. I SPOKE TO XXXX XXXX PROPERTY MGT. SHE SAID NO LEASE WAS OPENED AND NOT TO WORRY..SHE TOLD ME LEASES ARE DONE BY XXXX XXXX. ON XXXX XXXX I CONTACTED XXXX XXXX XXXX AGAIN, AND GOT A RETURN CALL FROM XXXX XXXX. I ASKED WHY HER APT ADDRESS WAS ON MY CREDIT. I GAVE HER THE ADDRESS. SHE ASKED ME TO VERIFY MY INFO. MY SOCIAL WAS A MATCH, PLACE OF EMPLOYMENT AND DRIVERS LICENSE WAS NOT A MATCH. MY DL ENDS IN XXXXSHE THEN TOLD ME SHE WASNT ABLE TO TELL ME ANYTHING MORE. I TOLD. HER HANDS WERE TIED. POLICE AT THE TIME PAID A VISIT TO THE HOME AND GOT NO WHERE. ON XX/XX/XXXX I SPOKE TO A WOMAN AT CENTRAL PORTFOLIO CONTROL AND SHE TOLD ME IT WAS MINE, REFUSED TO LISTEN TO ME, REFUSED TO LABEL THE ACCT IN DISPUTE. SHE SAID LETTERS WERE MAILED TO LET ME KNOW OF DEBT. I NEVER GOT THEM, I WOULD HAVE CONTACTED AT ONCE. SHE SAID THERE MAIL IS IN PLAIN LETTER MAIL AND LOOKS LIKE JUNK MAIL. I TRIED TO TELL HER I WAS A VICTIM OF ID THEFT AND WHEN AND SO FORTH. SHE DIDNT EVEN TRY TO LISTEN OR CARE. SHE SAID PAID THE DEBT.I SAID I WILL CONTACT FTC AND FILE REPORT AND GO THRU CREDIT BUERAU. SHE SAID I COULDNT DO THAT, ITS TO LONG OF A PROCESS. SHE WOULDNT LABLE ACCOUNT AS FRAUD. I THEN TOLD HER TO CEASE AND DESIST. XXXX XXXX A FORMER FRIEND/ROOMMATE OF 10 YEARS, USED MY INFO TO OBTAIN CREDIT. IN XXXX AND XX/XX/XXXX HE WAS ARRESTED FOR FRAUD AND THEFT. HIS PUBLIC INFO WITH XXXX XXXX COURTS SHOW HE USED THE XXXX ADDRESS AND LISTED XXXX XXXX AS A FRIEND CONTACT AT THE ADDRESS. I HAD ALL THREE CREDIT AGENCIES TO REMOVE AND BLOCK THAT ADDRESS. THEY VERIFIED IT WASNT MY ADDRESS AS WELL. 
I ASKED CENTRAL PORTFOLIO FOR COPY OF THE DL/ PAYMENTS/ LEASE INFO WITH SIGNATURE AND OR PAYSTUBS. WAS DENIED ACCESS TO THAT INFO. 

CENTRAL PORTOFOLO CONTROL IS REPORTING AND VIOLATING THE FCRA. THEY NEVER ONCE CALLED ME, I GAVE IN XXXX MY PHONE NUMBER TO MANAGER THERE. THEY NEVER CALLED AND DONT BELIVE FOR A MINUTE THEY SENT A LETTER TO GIVE ME A CHANCE TO DISPUTE. I AM PREPARED TO FILE LAWSUIT WITH THIS COMPANY AND SEEK LEAGAL FEES AND DAMAGES. THEY DO NOT OWN THE DEBT/ THEY ARE COLLECTING FOR XXXX XXXX BASED OUT OF XXXX TEXAS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: AZ
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:
Account is fraudulently opened. I have contacted this company and sent a fraud report 2 years ago and they identified this account as fraud but refuses to remove it from my credit reports.

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 2018-07-31
Company: On-Site Manager, Inc.
State: TX
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: Information is incorrect

Complaint:
I applied for an apartment at XXXX XXXX on XX/XX/2018 and I was denied the apartment based on the information given to them by RealPage.com AKA Leasingdesk.com. They reported to the apartments that I had a judgement for {$1100.00} for rent and that I owed an additional {$490.00} for unpaid rent. I paid the rent that my deposit did not cover to XXXX but they are still showing the judgement is owed of {$1100.00} and that I still owe XXXX {$490.00}. I asked about the timeframe of when this erroneous information would be fixed they gave me not ETA and said that it could take an uncertain amount of time to get my rental history corrected. My case number for this dispute with them is XXXX and I have spoke to several agents that will not give me a time when this information will be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: AL
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. 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 non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: FL
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:
been disputing this for almost a year now and asked for proof as well as I've called and stated to them that I NEVER reopen a loan up, was told that they had a employee at that time was reopening old customers account and taking the money. they were suppose to take care if the problem but years later u see its still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
Experian is reporting a inaccurate SS # /Birth name on my credit report My name is XXXX XXXX not XXXX  XXXX unless they have proof that this is my name I need it remove.

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 2022-03-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a check issued to my sister in law..she properly endorsed the check to me and I deposited it into my chase checking account. Chase put a hold on the funds for 14 days. They then contacted me and said they were closing my account. I called them back and spoke with a person in their check fraud department I believe explain the situation that it was my sister-in-law 's check that I knew her had known her for many years she's related to me. They told me they're treating is a third party check. My question is why would they decide to close my account rather than just not deposit the check if they had a problem with it I have deposited over {$100000.00} in this account since opening it and they never had a problem with anything before. I contacted them gave them the information they asked me for and they still have a freeze on my account the check is cleared there is no problem with it but they're going to close my account and won't let me have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal is holding my money for 180 days. The money received was from our business account. I have uploaded all documents verifying my identity and documents. The money is suppose to be used for medical reasons and they still froze my account and not able to withdraw my funds. We've explained to them PayPal or our account shall not get any charge backs because it is a transfer from one account to another. It wasn't a goods and services transaction and it was suppose to be as family and friends. Money was sent from XXXX, in which we own, to our personal account, XXXX. We've tried to explain this to them and tried to get a hold of someone in corporate, but was unsuccessful. Please help, as I can not be without certain medications and I'm waiting for a XXXX  XXXX. This has caused great amount of stress and frustration. One of the documents uploaded was a photo of one of my medical bills. Not to mention I have to pay for my housing. The reference number is below. I will personally hold PayPal responsible if anything should happen to medically, mentally, and physically. 

Reference ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
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: Account information incorrect

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX in reference to an account that has incorrect payment history. I requested that they send me information showing that the payments I made were late. I received nothing in response. I sent this letter via Certified mail and have proof that they received it. I made payments in the months that they are recording as late. The notes state that I was 60 days late in XX/XX/XXXX. I made payment on XX/XX/XXXX. My records show that the payments were made within the 30 day Credit reporting window. I have contacted the local store and was advised that the account appears current and I should contact Corporate.

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 2020-03-11
Company: Early Warning Services, LLC
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:
On XX/XX/2020 i went into a XXXX XXXX XXXX branch to find out exactly what happened to the bank account I had with them the front desk person had informed me that my account was being handled by another department due to activity that went on my account so I call the number that she had provided to me and I found out that since my debit card had been lost over the winter break someone had ownership of my account online banking and my debit card they had done wrongfully activities on my account that had lead XXXX XXXX XXXX to close my account and person I was speaking to told me to file a dispute for them to correct the issue and try to help me recover my account and reopen it but when all charges came back to the account they had informed me that they can no longer due business with me and reported to early warning that I committed fraud with my bank account knowing had no acknowledgment on what was going on due them closing my account wasn't able to access my account online due to it being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: MI
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 United States Bankruptcy Court does not report any information to the credit bureaus and is responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available.

The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.

Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. The credit bureau will verify the item in question with the creditor, who must respond within 30 days. After the investigation is complete, the credit bureau will notify you of the outcome. If information on your credit report has changed or been deleted, you will receive a copy of the revised 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 2020-03-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. 

Experian, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. XXXX XXXX XXXX still showing on credit report even though it is told old to be 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
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: MI
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$230.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXL ) XXXX Balance : {$250.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation