BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX, I sent communication to Lexis Nexis via certified mail requesting their method of verification regarding the bankruptcy that is listed on my credit report. I did not receive a response from Lexis Nexis. I sent a follow-up communication on XX/XX/2021, again requesting the method of verification with no response from Lexis-Nexis. My final communication was sent via email to Lexis Nexis on XXXX XXXX. I received an auto-reply back advising that my email was received. I have not received ANY communication back regarding any of the three requests for the method of verification used for the bankruptcy listed on my credit report. Due to a lack of investigation into this matter, and multiple requests for method of verification, I am requesting to have the information removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX. On XX/XX/2021, I submitted letter to the three reporting agencies ( Equifax, XXXX, and XXXX  in regards to some inaccurate information that was reporting on my credit report. This is very concerning that I have not heard any results of their investigation regarding the erroneous information showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX through Convergent Outsourcing are trying collect money from me for an account that I had with XXXX in 2016, I didn't have an account with XXXX in 2016, or any other time, I do not owe XXXX or XXXX, and XXXX has not done nothing to remove it 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 explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MI
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:
Hi how you doin? just writing to follow up with the dispute i sent on XXXX, XXXX XXXX its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax I see that you verified the account listed below : XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX  : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX XXXX  : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXXXXXX XXXX XXXX XXXX Account number : XXXX, Misleading. Fix the balance information. 

XXXXXXXX XXXX XXXX  : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, Misleading. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Velocity Portfolio Group
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CKS Prime Investments also known as XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX New York XXXX Is reporting inaccurate information to the credit bureaus. I am a victim of identity theft and fraudulent accounts. I submitted police reports and they refuse to honor them. I have had fraudulent accounts on my report by other creditors that have been removed by me providing requested documents. But this company wants to be the judge and jury and wants me to pay for something that is not mine. Identify theft is not my fault and they are making it out to be my fault. I cant help accounts were fraudulently made. They are causing me great distress.They have spoken to me rudely and they have over talked and spoken loudly to drown me out on telephone conversations. This is unlawful and should be handled accordingly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Re : Request to remove inaccurate information from Credit report On or about XXXX of 2016 I was assessed an annual fee in the amount of 39.00 to my Capital one Credit card. First, I never told the card had an annual fee when I was solicited to apply. Therefore I didnt expect any charges as I was not using the card. 
I returned from vacation to find a past due notice for the account, as well as a 30-day late notice alert from the credit reporting agency. Knowing that I had been out of the country and hadnt use the card. I immediately called to Capital one to report this charge as fraud. 
Only then did I learn that an annual fee was assessed to the account and not paid. I explained that I was never told about an annual fee, and I had been out of the country and therefore, unaware and unable to pay any fee at the time of assessment. I requested that the late fee and 30-day late report be removed considering the circumstances. I was told to send in an explanation, and it would be reviewed. So, I did. This was in XX/XX/2016 
I was contacted bout 15 days later and told that the late fee and report to the credit bureau would be removed, however I still needed to pay the XXXX annual fee first. So, I paid it over the phone. The Capital one agent also suggested that they issue me a Zero annual fee card, to prevent this from happening in the future, so we did that as well. Which I still have now. 
I was told it would take a up to 30 days for the credit items to be corrected on my credit report, but I was assured it would be taken care of. 
Now I see this error is back on my credit file. 

I recently contacted capital one again and they asked me to re-submit my request as the old request was lost. I was just notified that they would not be removing the error from my report because they see it as accurate, although they had agreed to remove it before in 2016 and took my payment. Otherwise, I would have just told them to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions 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:
I have disputed this account several times. This has damage my reputation with obtaining credit and so forth. This last time I disputed it Experian updated and deleted the account. DELETIONS IS ADMISSION.

Under 15 USC 1681 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2

) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

They violated all these federal laws and my consumer rights. I am entitled to compensation according to 15 USC 1692K ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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 2021-04-02
Company: EQUIFAX, INC.
State: TN
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:
To : XXXX XXXX Equifax On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

1. FDCPA Section 807 Violation Misleading False Reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation please delete at once. 

2. FDCPA Section 807 Violation Misleading False Reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once. 

XXXX. FDCPA XXXX XXXX XXXX XXXX XXXX XXXX. 
CAP XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once.

4. FDCPA Section 807 Violation Misleading False Reporting.

Account Number : XXXX This Account is inaccurate and I'm seeking litigation please delete at once.

5. FDCPA Section 807 Violation Misleading False Reporting.

XXXX XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once. 
6. FDCPA Section 807 Violation Misleading False Reporting. 
XXXXXXXX XXXX XXXXXXXX XXXX Inqury This Account is in Violation and I'm seeking litigation please delete at once. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXXXXXX XXXX XXXX XXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: GA
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  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account 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: In progress
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: MO
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 am filing the complaint against EQUIFAX, XXXX and XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On or about XX/XX/XXXX I applied for a loan modification with XXXX XXXX. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, XXXX XXXX reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by XXXX XXXX has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for XXXX XXXX to stop reporting late payments that were never late. 
In addition to XXXX XXXX reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on my credit report

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: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were fraudulent inquiries were not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief