BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am the author of this complaint and the attached letters associated with this complaint I recently checked my credit report and I noticed that I had numerous inaccuracies and unauthorized inquiries I tried reaching out to the credit reporting agency but they did not fix the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: GA
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:
Hello, For the past several months I've contacted XXXX and Equifax regarding the INACCURATE reporting of a charged-off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. For over XXXX mths, I have requested that these companies remove this account due to inaccurate reporting. I have supplied both companies with undeniable proof of the multiple violations, in the form of tri-merged credit reports and copies of screenshots from their sites, only for them to respond with a verification that the debt is mine, or an " UPDATED ACCOUNT '' response. 
This closed account is reporting late payments with no " DATE LAST ACTIVE '' on report. If the date of last activity is not shown how can you confirm how many days late an account is. This could also expose me to an even worse situation of re-aging of the account. Which means that the statue of limitations is null and void due to the lack of a starting point They were also reporting XXXX-days late within the time span of XXXX days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current ; then in XX/XX/2018 account reports as XXXX days late. ( NOT POSSIBLE )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  DATA XX/XX/XXXX XXXX  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 2022-02-17
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did a refinance with my current mortgage company. I chose to take out additional funds to pay off credit card debt that I am struggling with. Everything went fine, I received the checks to send to my credit card companies, and then one check to me. A couple days later, after having sent out and cashed the checks, the mortgage company came back to me and said they made a mistake and sent me too much money. They admit the mistake was their fault, and in the refi process I had seen my closer make multiple clerical errors. They want me to mail them a check for their error, its around {$1400.00}. But the money has been sent to my credit card companies. Now Im being put into undue financial burden to fund the cash to come up with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
A Collection was removed and reappeared on my account sold to a new collection agency. By law my personal and sensitive information was sold to a third party company without my consent and now is being reported to my credit report without my consent with this showing I have found several accounts in my name made fraudulent. With these also not being my accounts and created with fraudulent documentation. These accounts are In Violation of the FCRA protecting consumers. You are Now in Violation and I am now suing all credit reporting agencies. For defamation of character.

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 2020-07-30
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
in XXXX I made 2 purchases from merchant XXXX XXXX  CHARGE 1 : {$1600.00} and another CHARGE 2 : {$1300.00}. I then filed a dispute for both charges, for the CHARGE 1 : {$1600.00} charge I disputed {$1500.00} REF : XXXX and for CHARGE 2 : {$1300.00} I disputed {$1300.00} REF : XXXX .Later I was credited by the merchant XXXX  XXXX, they credited me {$1100.00} for CHARGE 2 : {$1300.00}. I then received communication from AMEX that I had won the dispute for {$1500.00} from CHARGE 1 and I was credited. Later, I received communication from AMEX that my dispute for {$1300.00} from CHARGE 2 was closed because the merchant XXXX XXXX had already credited me {$1100.00} towards CHARGE 2 I then filed a dispute for the remaining {$170.00} REF : XXXX that I was missing from the {$1300.00} dispute. I once again won the dispute and everything was in order. 

6 MONTHS later, I received communication from AMEX that since the merchant XXXX XXXX had already credited me {$1100.00} and since they had credited me {$1500.00} it meant that I had double credited. Which makes no sense since the merchant originally credited me {$1100.00} towards CHARGE 2 and AMEX credited me {$1500.00} towards CHARGE 1.Now If the AMEX is claiming that the credit XXXX XXXX in the amount of {$1100.00} was towards CHARGE 2 is really meant for CHARGE 1 then that means that my original dispute of {$1300.00} for CHARGE 2 was never credited as AMEX had originally claimed and was closed incorrectly. I tried multiple times to get someone from AMEX to understand this issue, they claim they do and the customer service rep agrees with me that this should not have happen and I should not be rebilled {$1100.00}, But every time the dispute goes to their back end team, I receive an automated response stating the same thing every-time, completely ignoring my issue and they don't even bother to look at the proof I'm providing, where you can CLEARLY see that the product for CHARGE 2 {$1300.00} was sent back to the merchant because XXXX was UNABLE TO DELIVER. Its completely ridiculous that AMEX wants me to be liable for {$1100.00} for product that I don't own. Very stressful situation that AMEX is putting me thru and to make matters worse, this is going to heavily affect my credit score by putting me at an utilization of over 50 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: LEXISNEXIS
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified 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 2023-05-11
Company: EQUIFAX, INC.
State: GA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
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: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a complaint 1 month ago about my issues with Experian NOT reporting my credit cards that I pay for monthly for good history. I have a total of 7 cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my XXXX and XXXX properly. Experian is the only bureau not reporting correctly. 

CFPB said this has been resolved with Experian and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from Experian first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : Global lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indigo

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 2023-06-09
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
Company: Experian Information Solutions Inc.
State: FL
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 requested a proper documentation about the unauthorized inquiries to prove that the unauthorized inquiries are accurate. However, they did not respond to my request on the given specific days. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate these unauthorized inquiries and it was in dispute within 30 days now. This unauthorized inquiries are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I reached out to XXXX to cancel my loan application a day before class started on the day of their deadline. If they were to have processed my request, the loan amount would have been independent of the school. They simply stated that my email " came from an unknown address ''. They told me to reach out to the school, and I did. Then, the school told me to reach back out to them. This went on for multiple weeks. 

The latest communication I received was an apology from a manager at XXXX who said she understood the situation and would reach out to the school for the issuance of a full refund. That is the first email in the chain I will attach below. I reached out several times after, but I was unable to hear back. 

Both parties assured me that the loan would not fund until XXXX XXXX. I submitted my request well in advance on XXXX XXXX, for the 3rd time to cancel my loan. I was not worried about them taking so much time, because I did not think it would come down to all of this. 

XXXX verified that my loan cancellation was not submitted to them by my school until XX/XX/XXXX. This was over an ENTIRE 2 weeks after I submitted for the 3rd time, and an ENTIRE week after the loan was funded! 

After the deadline from my original email passed, XXXX  has been saying that I need to contact the school for a full refund, but the school has said to talk to XXXX 

Additionally, the fees and terms on the website of the XXXX XXXX XXXX XXXX say that they will '' refund all amounts received from the enrollee less a {$400.00} processing charge and less the cost of training materials shipped ( {$850.00} ) totaling {$1200.00}. '' They never received any funds from me, let my loan fund, and then are now trying to charge me for it. 

The amount that reported to my credit report said I paid XXXX of a XXXX loan!!! I disputed with TransUnion and they simply changed the loan amount. 

I never received ANY goods or services, nor " Shipping Materials '', and the amount they are charging me is over $ XXXX well beyond the scope of their hidden : '' conditions ''. I just XXXX and was trying to extend my education and legitimately can not pay for this. 

I am genuinely worried this will go to collections and drop my credit score from XXXX to below XXXX. 

I know the Bureau 's mission is to make sure consumers are " treated fairly ''. This has gone beyond unethical business practices and is extremely unfair. I do not know where else to go. Please help me...

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 2022-11-05
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Investigation took more than 30 days

Complaint:
Equifax has been furnishing an inaccurate account on my credit file for over 2 years.. I have called, complained, disputed, faxed documents, and even contacted the furnishing company ( whom mailed them a letter, stating that account is not mines ).. They still havent removed it yet.. the account is a hard inquiry that reads : XXXX XXXX this inaccurate information be removed without prejudice expeditiously..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX Balance : {$510.00} CB XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$660.00}

Company response to consumer: Closed with explanation