BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This has been going on since XXXX when i noticed the inaccurate information on my credit report. I have contacted the collection agency who advised me they can not do anything to correct this matter. As well as the original company who advised me they have new management and none of the previous employees i dealt with worked for the new company. I have contacted all three credit bureaus regarding Fair collections in and out reporting inaccurate information on my credit report. Which states that i owe them {$4400.00} for a home that I no longer lived in. I sent all three bureaus proof of my lease agreement for the prior year as well as my notice to the company that I would not be renewing my leases and i would be vacating the premises. I also sent them emails that I had with the company confirming that I would no longer be living in the home. The credit bureaus then sent me back the same lease agreement which is for the prior year XXXX. Ignoring the fact that this companies charges are all from XXXX a year that they did not have a lease agreement for also a year i was no longer living in the home. Which I sent proof of my XXXX new home lease agreement that verifies i did not live in that home for the months/year I was charged. I moved out of home XX/XX/XXXX a week earlier than I needed to. The credit bureaus have failed to remove this from my credit report after irrefutable facts were sent and they continue to verify this debt as accurate. I am being punished due to this company XXXX XXXX XXXX XXXX being sold XXXX XXXX XXXX XXXX right when my lease ended and a mistake has been made that caused me to be charged half a year for a home i was not living in nor received a deposit back for! I am at my wilts end and no one will hear me out. I do not owe this company anything I paid my last months rent submitted my 60 day notice and I moved to my new home XX/XX/XXXX, Please help me resolve this matter and getting this inaccurate collection removed from my credit report asap. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions 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:
This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Please delete these accounts ASAP.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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/my file/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. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute to XXXX, XXXX, Transunion, which they stated was verified. 

I sent validation letter to original creditor XXXX XXXX. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.

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 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Please review and note my perfect payment history speaks for itself, the reason I was late for these payments were extraneous circumstances, I did not receive statements.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
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:
I did not provide consent to allow the sharing of my private information, and the disclosure of this information is unfair and unjust to me as a consumer. According to 15 USC 1681 Section 602 A, I have the right to privacy. Furthermore, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with 15 U.S.C 1681c. ( a ) ( 5 ), it is stated that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of convictions of crimes that predate the report by more than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any person to provide information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Furthermore, it's important to note that they are not even complying with Metro 2 credit reporting standards. I have evidence to substantiate my claim. 

Here 's the list of items in question : XXXX XXXX XXXX Charge-off {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} XXXX XXXX XXXX XXXX Collection {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$2800.00} XXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00}

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 2020-02-20
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection reporting on my credit for a credit card that I already previously disputed. The account was originally removed due to inaccuracies on y credit reports. This item was a result of an identity theft and now this account has reappeared on my credit as bad debt. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/2021, I received an inquiry on my credit report from Tower Loan. I called the company to have it removed, only to be forwarded to a prerecorded hang up line. I also contacted XX/XX/XXXX. They sent me here. Please remove this from my credit report. The pandemic has made life hard enough.

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 2021-03-23
Company: Experian Information Solutions 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 noticed an inquiry from XXXX on my credit Experian report and called Experian to dispute the inquiry as fraud/identity theft Experian stated since a relative added me to their XXXX card as an authorized user within 30 days that the inquiry was not fraud even though a hard inquiry is not necessary to add an authorized user to an XXXX credit/charge card. 

I further educated the representative XXXX at Experian that the inquiry was indeed fraudulent. XXXX stated that based on Experians policy that he could not remove the inquiry. Pursuant to 15 USC 1681a any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Also, pursuant to 15 USC 1681b consumer reporting agencies may only furnish this information with my written permission which they do not have. 

I did not consent to, authorize, nor benefit from any of the following inquiries, block and remove them immediately : 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 2023-09-19
Company: EQUIFAX, INC.
State: NY
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 am writing to express my utter frustration and disbelief at the abhorrent level of service I have received from Equifax, XXXX and XXXX in regard to incorrect information on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that these company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that Equifax, XXXX and XXXX be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
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:
I did not authorize XXXX XXXX XXXX  XXXX XXXX to do a hard inquire on XX/XX/. I think this may be fraud. I want this removed from my credit report. I attached the fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
someone opened an account and I was never notified. Now its in collection at a place called XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had multiple charges on my debit card for purchases that I did not make. I called my bank to process a chargeback and it was denied. The amount was {$3500.00}.

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 2023-01-30
Company: Open Dealer Exchange, LLC
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:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX They gave me a hard inquiry from some place in Arizona and I have called and talked to them and they said they have no auto loan account connected to my name or social and they cant get ahold of the place that ran my credit to find out how they were able to run my credit with out my knowledge and without me applying for anything. 
700CR/XXXX XXXX XXXX  Inquiry : XX/XX/2022 - Automotive ( XXXX ) XXXX The number I called the lady told me she cant help me and I cant talk to the owner I already filed a complaint. Not sure how they ran my credit but I didnt apply for anything with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a payoff statement from my mortgage company AmeriHome Mortgage ; dated XX/XX/22. 

The interest reflected in the payoff statement is from XX/XX/22 - XX/XX/22 ; in the amount of : {$1200.00}. 

This means each day I'm charged interest in the amount of : $ XXXX XXXX = {$41.00} is charged daily for interest. 

I went to my bank on XX/XX/22 and wired the payoff amount to AmeriHome on XX/XX/22. 

My mortgage was paid off as of XX/XX/22 I'm owed back interest amount from XX/XX/22 XXXX = 28 days I was charged interest for days after I paid off my mortgage and wired the payoff amount to my mortgage company and was never refunded for that amount. 

I'm owed $ XXXX * XXXX ( XX/XX/22 - XX/XX/22 ) = {$1100.00} AmeriHome Mortgage charged me interest on a mortgage which I paid off as of XX/XX/22 and has kept that amount and has not refunded me the interest amount that's owed back after paying off my mtg. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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:
I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 

I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wells Fargo XXXX  added a loan for a car that I did not have. It was purchased in XXXX and charged off in XXXX. I contacted them several times. Turned down money they tried sending to me. Today they added it as new debt to my XXXX Credit Report. It was on XXXX than removed now it is on XXXX. This just will not stop.

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 2020-11-19
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an identity theft issue a few years ago. I have alerts on all my credit report and have had freezes on my credit reports. This has been an ongoing nightmare. Someone opened an account with XXXX  XXXX through my name. I contacted them years and going forward that this is an identity theft issue and the charges are unauthorized. They have refused to remove from my credit report on top of doubling the debt with fees and interest. The account is now in collections under the second collection agency to try to harass me for this debt that is not mine. The company that now has the debt is LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. 

They have called, sent letter and now keep ruining my credit with their collection account. I need this account removed as per the fair credit reporting act, they are not allowed to report inaccurate accounts that have been reported to FTC and police as identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: WI
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:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax, XXXX and XXXX are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( XXXX ) 60 days from XX/XX/. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, XXXX and Equifax in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( XXXX ) on my consumer report of file, thus violating XXXX XXXX. XXXX b ( a ) ( XXXX ). It is clear that XXXX, Equifax and XXXX have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: CT
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/my file/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. 
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 explanation