BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: United Shore Financial Services, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my mortgage on XX/XX/XXXX with the first payment due XX/XX/2018. I received a call on the XXXX about the payment not having been received. I then proceeded to schedule the payment soon thereafter. I used my XXXX XXXX account to make payment on the mortgage. 

Once XX/XX/XXXX payment became due, I proceeded to log into their payment portal. At that time I noticed that my required payment amount was for two payments. This immediately raised a red flag about the payment made in XX/XX/XXXX. My first thought was that the payment was not accepted by the mortgage company or that for whatever reason it was returned by my bank. Maybe an error in the processing or a transposed account number resulted in a rejected payment. That was not the case. 
At that point, I proceeded to pay the ~ {$4200.00} payment covering both months. Having not received any indication from the mortgage company that anything was wrong, I thought nothing of the matter and took solace in the fact that the payment debited my account properly the following day. 

On XX/XX/XXXX, I received a credit alert notification. XXXX XXXX   reported my mortgage as being 30 days past due. Apparently, XXXX   refused to properly apply the first payment due in XX/XX/XXXX and this had an adverse affect on my credit score. 

I called XXXX and spoke to a polite gentleman that refused to help address the matter. He mentioned that the reporting needed to be effectuated as other creditors needed to have a comprehensive understanding of my ability or inability to pay my obligations. 

I have attached a copy of my most recent bank statement that demonstrates my ability to meet my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
American Express has already received an identity theft report from me concerning this fraudulent credit card that was opened in my name, and the representatives have been very rude and unhelpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am writing to file a complaint against Credit Management LP, a debt collection agency that is trying to collect money from me that I do not owe. Credit Management LP is swindling me right now. I do not know this company and I am not under contract with Credit Management LP. Credit Management LP showed up on my XXXX credit report saying I owed a {$630.00} debt in XX/XX/XXXX. This is a clear violation of the Fair Debt Collection Practices Act and I demand that they cease and desist from any further attempts to contact me or report this debt to any credit bureaus. 

The debt in question is related to an equipment rental from XXXX. I returned the equipment to XXXX and have the original receipt from XXXX as proof. The Pandemic was very prevalent in XXXX. The company employee was delayed in picking up the equipment due to the Pandemic. The bill was paid and all that was needed was to turn in the equipment. XXXX wrote off the amount. I do not owe Credit Management LP anything. 

This is causing me a lot of stress and XXXX, as well as damaging my credit score and reputation. Therefore, in addition to filing this complaint I also filed with the XXXX. I am requesting your intervention to stop this abusive and fraudulent behavior. 

Please investigate this matter and take proper action against Credit Management XXXX. I also ask that Credit Management LP remove this debt from my credit report. Please let me know of the outcome of your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
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: Personal information incorrect

Complaint:
Remove this address asap, that you have inaccurately input in my credit. I have not lived or stayed in this addresses never. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # 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 2023-10-26
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:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: Equitable Acceptance Corp
State: WY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I received a phone call from a company called Equitable Acceptance in XX/XX/2015 about a student loan forgiveness program. Their sales tactics made me believe I needed their services in order to get my loans forgiven and without them I would be in a very difficult situation. Being in student loan debt I was very fearful I would never be able to afford to repay the loans so the student loan forgiveness they were explaining was a glimps of hope. Now to find out years later by the department of Education that I should never have to pay a third party for help with student loans and to immediately stop the automatic {$39.00} monthly payment that they had been taking since XX/XX/2015. I had then realized that my student loan amount was not going down at all due to the income based repayment plan I was on, and Equitable Acceptance was charging me {$1300.00} a year to submit one application to my loan servicer. I believe this company needs to better explain the actual service they are providing because if they made those facts more clear nobody would be involved with them. Their marketing a population with tactics that makes us fearful to deny their services not knowing that we do not need a third party to provide any service at all. Their marketing tactics are unfair and I dont believe they should be in business anymore. The services that I have been paying for from them also show up on my credit score as a credit card with a balance due. I would like to see this removed from all credit reports. I would also like to add that the person handling my case, which I do have their name and number, had a phone number that is no longer in service and they have made it very difficult to find out how to contact them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXXXXXX XXXX Reported Balance of {$76.00} Balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reported Balance {$450.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reporting Balance {$180.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY

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 2023-09-15
Company: EQUIFAX, INC.
State: MS
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
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'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: CrossCountry Mortgage LLC
State: FL
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:
According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services. 

Any other information other than provided below is inaccurate and to be removed. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: HYUNDAI CAPITAL AMERICA
State: MD
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:
My automobile finance company, XXXX XXXX XXXX reported all of a sudden that I was 30 days delinquent in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reviewed my transaction payment history in according to their online payment history of my account and I have not been thirty days late on either of the months. i disputed with them through the credit bureau and by writing a letter to them and they said the information was correct. i also contacted them by phone and they could not verify after checking that I was late. This time i suggested maybe they was reporting someone else and in error put a number wrong and went on my credit report instead. I have attached their online payment history from their site and the letter I just wrote again asking them to review my account again. I think this information just got put on my credit report this year I look at my credit report through XXXX XXXX almost weekly and I did not recall seeing any delinquencies from Hyundai..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Asssoc reported a debt for {$2100.00} on my credit report as an account opened in XXXX of 2018. It lists the original creditor as " 08 XXXX XXXX  XXXX. ". I have only had three credit and merchant accounts in my life and XXXX was not affiliated with either. I had NO credit or merchant cards opened in 2018. I contacted PRA where the representative refused to provide evidence of this debt or to remove it from my report. Instead insisting only that I owned them {$2100.00}. He refused to open an inquiry of any sort or take any action regarding my dispute. I have disputed this debt with all three credit bureaus and hope that this attempt to scam me is corrected in a timely manner. 
XXXX XXXX  is apparently no longer in existence as I did try to reach out to them to correct this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My boyfriend received a court summons for my debt from the collection agency. The medical office to which I went was for me only and the insurance and guarantor information was for me. He was listed as an emergency contact. They are suing both of us and we both received summons separately for my debt that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax Information Services LLC sent me a letter stating that they need more proof of my personal information to verify my claim. 

I am not the one needing to verify who I am, this is a delay tactic. 

Equifax is to remove inaccurate reporting of my information. Reporting my personal usage, balances, delinquency, and or collection status is unfair practicing and illegal according to 15 USC 1681 section 602 A and 15 USC 1681 Section 604 A section 2 and A1. They are reporting on what congress defines as transactions and experiences which is not prohibited. Under 1681 N civil liability will hold them accountable for damages, denials of credit or rejections due to inaccurate, unlawful reporting. File numbers are XXXX and XXXX. Block and delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax on XX/XX/18 and asked for the process of disputing inquiries on my account that were not authorized by me. I was told to contact each merchant which is over 20 different establishments as Equifax could not do anything. I contacted the merchants whom told me they receive notifications from Equifax and then respond from there and that I can not initiate any disputes for them. This has been frustrating and Equifax is less than helpful. They dont care or show any concern for customers or their privacy. They give you the same robotic response that It will stay on your report for 2 years. They dont even attempt to look into your issue to resolve or rectify the situation. This is an illegal business practice as the FCRA was established to prevent such impractical methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: MS
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 started on XX/XX/2019 I initially sent in a letter to Equifax challenging incorrect names and addresses misplaced upon my credit report. To follow up on XX/XX/2019 I sent my FTC identity notice and identity theft report in regards to fraudulent names, addresses, and inquiries. I received multiple responses from Equifax claiming to have deleted said names and addresses as well as inquiries. I have pulled an updated report and such addresses are still reporting and showing on my credit report even after receiving documentation on XX/XX/2019 and XX/XX/2019 that said addresses have been deleted and credit report updated. This is/was a false statement because these fraudulent addresses are still reporting and attached to my credit report. The addresses inaccurately reporting and do not belong to me and or related to me are ( XXXX XXXX XXXX XXXX XXXX, MS XXXX ) ( XXXX XXXX XXXX XXXX XXXX, FL XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX XXXX My complaint is in regard to Experian XXXX and XXXX XXXX. Dating back to XX/XX/XXXX I appointed A credit repair company known as XXXX XXXX XXXX to repair my credit, XXXX automatically sent dispute letters. to me My job was to sign my name and then sent these dispute letters to XXXX, XXXX  and Experian.after I have been corresponding these dispute letters to all 3 agencies, However all 3 agencies have not been abiding by the law. In XX/XX/XXXX all 3 agencies responded and exclaimed that they could not identify who I was. This was not true because I enclosed copies of my drivers license, social security number, and a credit card bill. I hope you can contact all 3 companies and make them abide by the rules. if they need more info they should contact me at XXXX XXXX or XXXX instead of disposing of my letters with a redundant excuse. Your sincerely 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