BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
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:
Experian ph # XXXX XXXX XXXX Is reporting this fraud and identity theft on my report as a closed account please remove XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account number XXXX XXXX XXXX XXXX PL XXXX XXXX, SD XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account number XXXX XXXX XXXX XXXX PL XXXX XXXX, SD XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2023-02-17
Company: Experian Information Solutions Inc.
State: NV
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 contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. I have attached the Bankruptcy Court response below. 

I have also disputed this in the process with all three bureaus XXXX has deleted Experian and XXXX hasn't removed these items the credit bureaus are noon affiliated with third parties and can not report this information. I have attached the letter from bk court showing they have not to furnished nor do they report to credit bureaus.

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 2022-09-27
Company: Experian Information Solutions 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:
On XXXX XXXX I sent Experian a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. 

I then went back to Experian on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item and stated they verified but clearly did not which is imploding on my ability to purchase a home and causing me to pay thousands more a year interest. 

This item needs to be deleted from my credit report if it can not be verified within 30 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 explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I was reviewing my consumer report and noticed that bankruptcies were reported on my consumer reports. Each of the consumer reporting agencies will claim they have a right to report this information based on the fact they received the information from a 3rd party and not the original source of the information. Under the privacy act of XXXX, the Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The bankruptcy courts don't report any of this information they are the original furnishers of this information in which it is to be verified with. This is not being done and fraud is being committed every time they steal this information and report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, and XXXX have violated my rights. 

15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NJ
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 a victim of identity theft and Im writing to you LET YOU KNOW THEY ARE NOT TAKING MY DISPUTES SERIOUSLY! Dispute the fraudulent accounts in my file that I did not make or authorize. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 6 months or more, I have been receiving incessant phone calls from what claims to be verified numbers from a debt collector known as Portfolio Recovery. They have called from nearly 50 different phone numbers with area codes from multiple states so blocking the calls doesn't really do anything. I will attach as many screenshots as I have the patience for ( there are currently 47 ) of all these phone numbers just to prove how excessively and relentlessly I have been spammed with these calls. I just got married and changed my last name in XXXX 2022 and that is pretty much when all of this nonsense started. I have no outstanding debt whatsoever, beyond monthly credit card usage that I pay off within a month 's time frame. If I had actually had any debt that would merit calls from debt collectors, I am pretty sure it would be negatively impacting my credit score. But I have credit score monitoring from a couple different companies which I check on a monthly basis and my score hasn't been below 750 in years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have paid off the debt owed to XXXX XXXX XXXX as acknowledged by XXXX themselves as you can see in the letters they sent me which I have attached as well as proof of my payments. However, Experian has not updated their records to reflect this and is instead showing my account as Derogatory and in collection/chargeoff status. This is untrue. As you can see XXXX and XXXX have removed the account altogether. 

It is illegal to report false information that results in financial injury, such as in this case. The account is not derogatory. And I am not in collections nor chargeoff. The account has been paid! It has been paid since XX/XX/2022. Their current status is hindering my credit severely which is leading me to sever financial distress. I'm getting denied for everything ( credit cards, mortgages, loans ). This is ridiculous. I made over {$100000.00} in XXXX. What do I have to do to get approved for a measly credit card? Make 10 Million!? Please excuse my frustration, it is very aggravating when you have dealt with this lingering black cloud for years and then you finally pay it off but the black cloud still won't go away!!!

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 2023-04-04
Company: EQUIFAX, INC.
State: NJ
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NJ
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:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: WI
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am sending this complaint in regard to the following, account XXXX XXXX. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.

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 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Series of events : XX/XX/XXXX, Received an email from Capitol One informing me that my payment was due on the XXXX and requesting a payment to avoid a late fee. I did not check my email until XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX : Contacted Capitol One and made an XXXX transfer to pay bill in the full amount, {$80.00}. Asked why I never received a statement in the mail and was informed I was on paperless, which was a lie. Asked for my late fee to be suspended. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Received my statement in the mail. 
XX/XX/XXXX : Reviewed my statement online and saw a late fee charge of {$25.00} for XXXX statement. 
Conclusion : I didn't receive a statement in the mail until XX/XX/XXXX for a bill with a due date of XX/XX/XXXX. This seems like a scam, and I believe the late fee should be removed. I wonder if other people have had this problem. Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: AR
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 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 the items 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 remove these items : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to remove with 100 % accuracy that each items are being removed. If you do not provide any records & claim the items are remove, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
NCHAF has approved me for payment. I was given a contract by HAF and sent in the GAP amount via certified check directly to HAF, on time. I kept in touch with Carrington through every step of this process. Carrington refused the payment from HAF and now requires more money for GAP payment. Carrington will not except this money directly from me nor will HAF. The processing time from the time HAF receives my certified check, which is their only excepted payment method, and the time they process payment and send it to HAF is lengthy, because of that log, which creates an ongoing problem with this. My beginning gap payment was under {$600.00}. The amount I sent to HAF for my gap payment was over {$6000.00} and now Carrington is asking for even more, which I do not know that they will except by the time half processes it. I am fighting a downhill battle, and I am at a loss of what to do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was out of work several months. I am working now and able to make the payments to Carrington. Any help you could provide would be greatly appreciated. 
Kind Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief