BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: MO
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:
notice to principle notice to principle is notice to agent the XXXX Credit company aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( 45 ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S.C 1692j Is the Department of Education collecting debt or is XXXX XXXX, you are showing two separate entities collecting the same debt on the consumer report which is inaccurate also see : Dept of Ed/XXXX  amount Direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( E ) ( iii ) This loan has completed the rehabilitation process.. Delete now.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX XXXX XXXX {$300.00} does not belong to me and reports invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.

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 2019-02-03
Company: Experian Information Solutions Inc.
State: NC
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:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!

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 2023-08-09
Company: EQUIFAX, 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:
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 reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: ME
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:
University XXXX XXXX XXXX XXXX Maine is mis-reporting accounts on my credit file. They reported a Foreclosure with a date of XX/XX/XXXX, when in fact the agreed to judgment was and foreclosure order signed by the judge in XXXX of XXXX. In addition, a home equity line shows as XXXX past due in XX/XX/XXXX, when it was charged off and rolled into the foreclosure agreement that was ordered in the court in XX/XX/XXXX. 

They are also reporting a business account of my ex-husband 's on my credit report, which currently reporting a balance of {$80000.00}. Not only is this a business account of my ex-husband 's, the balance is also incorrect- it was charged off for {$5000.00} and shows a past due balance of {$8000.00}, not {$80000.00}. 

The credit union has refused any attempts to correct this information. I have disputed the information with Experian and they keep telling Experian the information is correct. I contacted the University Credit Union lawyer, and he maintains they can not do anything. I am beyond frustrated at the lack of response.

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 2018-03-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As a part of my loan, I was given money to do needed repairs ( XXXX ). Over time as the process lingered, I had a balance of {$30000.00} to complete the repairs. After time, XX/XX/2016, they closed my XXXX loan by taking away the balance of the {$30000.00} without my consent. Therefore, I am stuck with a house with still needed major repairs that I do not have the money to fix. They tried to get me to refinance the loan but my lawyer said no. She told me not to pay them another dime because what they had done was not right so I did not go through with the refinance of the property. They did offer a refinance but it was costing me much more money and I felt I was being punished for them taking away my {$3000.00} that was and still is desperately need to complete the repairs on my home before other major issues occur. I have had to go into my own pocket to pay for some of the repairs by much more work needs to be done.

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 2019-08-06
Company: CITIBANK, N.A.
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 came to my attention that theres some incorrect information/ accounts that were not mine, never were mine and ive never cosigned or allowed my information to be used heres the accounts below 1. cbna - {$190.00} XX/XX/XXXX2.XXXX XXXX {$0.00} -XX/XX/XXXX 3.XXXX XXXX {$0.00} -XX/XX/XXXX4. best buy/cbna {$240.00} -XX/XX/XXXX 5.macys/dsnb - {$500.00} -07/2017 6. verizon {$1000.00} -06/2017 7. amsher XX/XX/XXXX ( XX/XX/XXXX ) {$160.00} -XX/XX/XXXX 8.XX/XX/XXXX {$1000.00} XX/XX/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 2018-10-29
Company: Designed Receivable Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly requested proof of this medical debt being mine but the address wasnt mine, I didnt have a child at that hospital, and I lived in a different state at the time the claimed services were provided. They wont send me any proof with an actual signature and I sent a copy of my lease at the time they claim I had services. I was also sent a full copy of the persons medical information which is a violation of HIPPA. They have multiple collections on my report and refuse to remove any of them and theyre charging interest on it so its hurting my score more and more. I have gone 3 or four rounds with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: MA
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:
The following address on my Equifax Credit Report is incorrect and does not belong to me because I have never lived in XXXX. The following address is as follows : Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

I have only lived in XXXX, XXXX, and XXXX. 

Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX. Trans Union Corp., XXXX XXXX XXXX XXXX XXXX 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-06-01
Company: Affirm 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: Information belongs to someone else

Complaint:
Affirm is reporting an account in the amount of {$100.00} on my XXXX credit report and credit reports I have not opened any account with them and have already spoke to two representatives of theres, one on XX/XX/23 named XXXX XXXX And most recently XXXX XXXX On XX/XX/23 at XXXX Both stated on a recorded line that there was no account linked with my personal email, phone number, and current address, XXXX XXXX even stated in email that there is no account with my email linked to this account this needs to be removed from my XXXX profile and credit report immediately as affirm already had 30 days to resolve this and it still hasnt been fixed they are not in FCRA compliance and if they try to accuse me that this account is mine I will be requesting Affirm furnish full proof proving its mine and my original wet signature signing off on taking out this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been trying to login to my target ( Manage my Redcard account ), for several days now to no avail. Keep getting error message stating user name and, or password incorrect. I have tried several times to change password, resubmit password, change user ID, resubmit user ID, to no avail. I have called several times on XX/XX/2020, spoke with three target representatives and one supervisor, was sent a link to " reset '' my password, and the link does not work. I changes my password as requested, still can not login, still receive error message, " user name and, or password incorrect. ". I have tried to get the matter resolved to no avail, thus I can not use my credit card online to shop or manage my " redcard account '', ( i.e., make online payment, shop, etc ). They sent me a case number to refer to and I did but still can't log in to my account, case # XXXX. I called and spoke with someone ( I could not understand their language ), the represenative could not understand English too well, so my problem went unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account showed up on my credit report. I have no knowledge of the debt. There is no signed contractual agreement that shows that I'm to pay this company this debt. There is nothing signed by me and I have never received any type of service or card from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: LA
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 write to express my grave concerns regarding my recent Equifax credit report findings, in which I identified inaccurate and potentially harmful information. The erroneous data primarily pertains to multiple trade entries under " XXXX XXXX XXXX ''. While Equifax 's response ( attached herewith ) asserts that these entries belong to me, I categorically affirm that they do not. 

Erroneous Information : The XXXX XXXX XXXX accounts reported on my credit file are unfamiliar to me. As of the date of this letter, I have not held any accounts with XXXX XXXX XXXX, nor have I authorized any individual or entity to open an account in my name. 

Request for Verification : Despite Equifax 's claim that these entries were " verified, '' I am yet to see tangible proof validating this assertion. Accordingly, I demand Equifax provide : a. Names of individuals contacted for verification b. Documentation or evidence that confirms these accounts belong to me XXXX A detailed list of the steps taken to ascertain the authenticity of these accounts If you see my exhibit in my attachment ; you will see that the one XXXX XXXX XXXX is reporting twice! After EQUIFAX has stated that everything that have is ACCURATE! CLEARLY EQUIFAX LIED AND DID NOT DO ANY INVESTIGATION AND IS REPEATING THE CYCLE BY BREAKING THE SAME LAY KNOWINGLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: LA
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: OneMain Finance Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had ordered a product for my XXXX seller store XXXX XXXX ... the company never got back to me about my order. I called several times. I called XXXX on XX/XX/XXXX to dispute and was told they would contact the company. As of today when I called XXXX nothing has been resolved.They could not get in contact with the vendor either she said. I asked the lady to remove the charge she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX caller knew my SSN and DOB some how and said I owed a bill to care credit and was getting served sued garnished. I called all three XXXX XXXX XXXX  and no such case exists XXXX, or anything against me. Nor do I owe any such debt. It was on my Credit report probably ten years ago and I disputed it and it was removed as I had never signed for any such thing. 

They attempted to scare me into paying and called me back twice over the past few months after being told not to call again and wont give me an address to send a cease and desist letter. I just got the name of the company today via research. 

I called back and a lady told me it was XXXX and XXXX XXXX out of California and New York. They violated the Fair Debt Practices Act when they threatened my wife with Garnishment and said I was a debtor. This is this third call in a few months. When I ask questions they hang up on me and I never get served papers as they threatened.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
LETTER WAS DELIVERED ON XX/XX/22 XXXX XXXX XXXX XXXX XXXX this correspondence reminded transunion of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt.

to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation. 
companies have until this day, have yet to provide a lawful contract.

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 2022-05-16
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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi opened this account on XX/XX/2023, since then im still waiting for the debit card. 
Never arrived. So I need to request a new debit card sent to my mailing address on file which is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL 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