BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/2019 Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/2019 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
XXXX XXXX XXXX keeps reporting my account open although the account is showing closed and paid with a {$0.00} balance on their own website. I paid the {$1700.00} on XX/XX/22. I was deeply impacted by the shutdowns with an inability to make a living due to the pandemic and I made them aware of the situation but they provided no relief to me. All I want is for the account to be reported accurately and closed out. This should have been done well over 2 years ago. This is causing me further financial harm and leaving me with little recourse I may have to get an attorney involved. I had send an email to XXXX XXXX XXXX XXXX hopefully I will get some 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 non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
experian is allow fraudulent companies to file fake information because this account is not my because i never live on TX, some one use my information and i try take with this company but they not correct the problem

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 2023-07-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
hi i have a bill from, portfollio recovery associates for = XXXX from a XXXX XXXX 2, and Copiers 2, and Fax Machine 2, Line of Credit from XXXX XXXX, When i Got the Computers someone Tried to Stop me from using it from the Emails and the XXXX XXXX and XXXX and Getting a Job and Justice Reporting on Crimes it was Hacked into XXXX before i got it, plus i called the XXXX XXXX and tried to Clear this up 4 to 7 times they just blew me off and said will email you, Now after this XXXX XXXX Credit, theres a XXXX XXXX XXXX Case on etc VS Etc i never got that Info or $ Check SDettlement from the XXXX or XXXX on the Card i Got in Mail Vs etc Vs etc the bill is = XXXX Month Opened XX/XX/2017 i, l send the Bill And Report, I would like to be Fully Reimbursed of my Credit to my Credit Bureaus and Paid for Financial Losses from a Hacker or Set Up from XXXX XXXX or there Court case... The Amout i please want to be paid is = {$300.00} Dollars period within 7 to 10 days paid and my Settlement Check would be nice if helped Out Please By XXXX XXXX by

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: U.S. Auto Sales Inc.
State: GA
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:
On XX/XX/2022 I received an text message to my cell phone stating that I may be qualified for a trade-in through ( XXXX XXXX XXXX Sales XXXX it gave me an option to do prequalification to see what I may qualify for in the trading process when I did so I was offered {$23000.00} for my prequalification amount and I spoke with a representative the next morning and she did a hard inquiry without my consents I stated to her that I would like to speak with the billing department so I can understand the terms and conditions she said she would call me back with the info next thing I know I received a hard inquiry on my credit report less than 24 hours without anyone calling me back I spoke with the supervisor she stated that she could give me email to the credit bureau agency so they can dispute the process the information she gave me was invalid I was not able to get in contact with anyone My whole concern is false advertising on their website stating that its a pre-qualification when they intentionally using your information and pushing it through as a hard inquiry before you even speaks with finances about your trading process thats completely illegal and against the law and I want this removed off my credit report immediately and they continue to send me text messages about me trading my car in which now at this point is a Nuisance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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 recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : ACCEPTANCE NOW It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report.

Note : ACCEPTANCE NOW was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
TRIED FIXING THE PROBLEM A FEW TIMES SUBMIT CANCELLATION OF DEBT TO ALL PARTIES FROM IRS PAID IN FULL EVEN UPLOADED PROOF OF DOCUMENTS 1099 C ACCEPTED BY IRS WAY BEFORE NEGATIVE ITEMS HIT AND HARM MY CREDIT REPORT ASK FOR AN REINVESTIGATION OF ACCOUNTS XXXX XXXX AND XXXX XXXX XXXX XXXX EXCHANGE ACT STATES IF STATEMENT FILLED PURSUANT TO RULE 13D-1 ( B ), 13D-2 ( B ) OR C SECTION 18. 

XXXX XXXX XXXX XXXX. Subpart C of this part applies to any person that uses information from its affiliates for the purpose of marketing solicitations, or provides information to its affiliates for that purpose, other than a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the XXXX XXXX XXXX Reform and Consumer Protection Act, Public Law 111203, 124 Stat. 137.

Pre-existing business relationship ( i ) In general. The term pre-existing business relationship means a relationship between a person, or a person 's licensed agent, and a consumer based on : ( A ) A financial contract between the person and the consumer which is in force on the date on which the consumer is sent a solicitation covered by this subpart ; ( B ) The purchase, rental, or lease by the consumer of the person 's goods or services, or a financial transaction ( including holding an active account or a policy in force or having another continuing relationship ) between the consumer and the person, during the 18-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart ; or ( C ) An inquiry or application by the consumer regarding a product or service offered by that person during the three-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The inquiry stated below is unfamiliar to me. Therefore, Its unauthorized to pull my credit report. This issue was addressed to TransUnion but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule and all information was erroneous. 
XXXXXXXX XXXX Date of inquiry XX/XX/2021

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 2022-11-11
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my XXXX credit report I have CCS Collections ( collection agency, XXXX XXXX XXXX, XXXX, MA XXXX XXXX ) trying to collect unpaid {$91.00} for XXXX XXXX. I have contacted CCS Collections and tried to inform them that this is not my debt. It is for someone that apparently has my same name and lives at XXXX XXXX XXXX Apartment # XXXX in XXXX XXXX California. The debt I believe is for residential insurance. The agency stated that I had to prove that I was not the owner, however, did not give me means to do this. I contacted the property manager and she stated she would try to contact resident, but she never communicated back with me. I have also tried to contact XXXX XXXX, however, since I do not have account number they offered me no help. This has been on my credit report for over a year. Can you help correct this. I can provide driver 's license, utility bills, mortgage statement, etc. to CFPB as proof of residence. I have never lived in XXXX XXXX or had any business ( ( account, insurance, etc. ) with XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-01-24
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime prepaid card services has kept and not issued my monies in the amount of over {$1200.00}. Chime has had my money for almost 2 years. I have sent them several documents that they have requested to prove my identity etc, yet they still have not issued me any of my money. I do feel that chime should return my money as well as award me an additional {$5000.00} or more since they kept my money for that length of time. Without legitimate reasons that they can prove. This was alsoduring the middle of covid when money was very tight. Any documentation you XXXX need I can provide it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding at C/O Resurgent Capital Services , XXXX, SC XXXX has been sending me collection notices in the amount of {$620.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: AL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I received a modification from my mortgage lender. When COVID came, I tried to stay current with my payments, but I could not and defaulted in XXXX of XXXX. I called my lender for assistance and was told to go on the website and put in my loan number and fill out the application. When I put my loan number in an application came up that was 2 pages and did not ask any income or expense questions. I filled out the application and sent it in. I then received an approval for double my current payments and then a balloon payment of {$29000.00}. I ran into a hardship from the pandemic and now I am afraid I am going to lose my house. I can not afford to double my payment from {$1500.00} to {$3100.00} and then come up with almost {$30000.00} in 12 months. I just want to be able to get caught up from the pandemic and resume my payments that were affordable. I feel as though my lender is putting me in a position to fail and I would like to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
XXXX/Equifax/XXXX  credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX Open Date XX/XX/2013 Balance : {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have attached a FTC requesting the removal of the following inquiries. 

( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2023-04-17
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously I received a bill from XXXX stating I owed them money. I contacted XXXX by phone around two years ago when I received the first bill. They told me they were going to resolve, take the bill away and they will get in contact with me. Today, after two years I received a collection bill from EOS CCA Collection Agency ( XXXX ) stating I owed {$310.00}. I want to leave this clear, I NEVER HAD A XXXX ACCOUNT. I live in a XXXX community for more than 5 years and where they don't offer XXXX XXXX Today XX/XX/2023 was researching and signed into the collection agency page www.eos-cca.com and It shows that account number does not exist ( copy enclosed ) Are they trying to get money or what.

Company response to consumer: Closed with explanation