BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: VA
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NJ
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 reporting act the list of account below has violated my federally protected consumer right to privacy and confindentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX... Account # XXXX Account Name XXXX .... Account # XXXX Has violated my rights. 
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 state a consumer reporting agency can not furnish account with out my written instruction..

15 u.s.c 1681 C ( A ) ( 5 ) section state ; 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 anted ates the report by more them seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a, consumer to any consumer reporting agency if the person know or has reasonable. Cause to believe that the information is inaccurate. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, impartiality, and respect for the consumer right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: VYSTAR CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX I have my cousin XXXX XXXX went to vystar was try to get a bank account because hes not XXXX they didnt want to open the account for him he came to me and asked me if I can put him on my account I vent to vystar with him I added him on my account he took four fake checks from someone and deposited on my account. Each checks are XXXX each and they had his name on them. When Im trying to get in touch with him to return the money he cut communication with me and he ran away. Im seeking for help because I dont want vystar to report fraud on my credit

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 2023-09-19
Company: EQUIFAX, INC.
State: IN
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to 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 2023-05-23
Company: DISCOVER BANK
State: CO
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 discovered that this account on my credit report was incorrect when I reviewed them. It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and updated : DISCOVER XXXX XXXX XXXX : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX  Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}

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 2023-09-19
Company: EQUIFAX, INC.
State: TX
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-09-19
Company: EQUIFAX, INC.
State: CA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought my house in XXXX and tried to refinance it in XXXX. They told me I need to get it appraised. I spent the money to get it appraised. It appraised for over XXXX. I was denied to have it refinanced at a cheaper rate. My rate is set at 5 % and I was trying to cut that in half. Also, they're making me pay a Mortgage insurance every month. I bought my house at XXXX and owed less that XXXX. They said I had to be less than 75 % of payoff. Which clearly falls below that. But, yet they're still charging me a mortgage insurance and refuse to cancel it. At the current market, my house would appraise for over {$390000.00} and owe less that {$200000.00}. I have built a XXXX shop on the property, new roof, new fence and had a lot of concrete poured. I have never been late on any payment in my life and at XXXX XXXX XXXX I have excellent credit. I didn't finance my home through Wells Fargo. It was sold to them. They could have told me I didn't qualify to refinance before I had it appraised. Instead they waited until after I spent the money to have it appraised, which was clearly wrong. I feel they have no reason to turn me down on refinancing my home at a cheaper rate. I have never missed a payment or never been late. Clearly they are not wanting help the customers and are taking advantage of them.

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 2023-09-19
Company: EQUIFAX, INC.
State: CA
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 am XXXX  that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: NC
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:
I Properly disputed the accuracy of information being reported on my consumer report by this company. This company is still reporting my name wrong, along with false addresses, and employment history that I do not work for. This company is also falsely reporting the payment history of several accounts. I asked to see method of verification along with payment history from creditor along with statements indicating the accuracy of payment history. I told this company that I do not recognize the E-Oscar system as suffice method of verification. They have failed to properly show me proof of a thorough investigation, which is now causing my consumer report to suffer. I resent letter for a request of fee for damages and negligence on their part. This complaint is for mine as well as their records. If this matter is not corrected I do intend to use the law to the fullest extent to make sure this doesn't continue happening to me or any other consumer of the United States Of America.

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 2023-04-11
Company: Upstart Holdings, Inc.
State: CT
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 XX/XX/XXXX I reached out to Upstart Loan Operations about a 30 days late payment report on my XXXX credit report. They told me and also sent me an email stating that they will investigate the issue and provide accurate report to the credit bureau. 
It has been over days now, my XXXX credit report shows 30 days late in XX/XX/XXXX. On XX/XX/XXXX, I reached out again to Upstart about the same issue. They stated that they would look into the issue. They sent me an email stating same. 
Today, XXXX, I got a notification on my XXXX credit report that I had a 30 days late in XX/XX/XXXX. 
Upstart is not willing to fix the issue an now whenever I call they transfer me to one person to another and tell me they would look into the issue. 
From XXXX XXXX till date, it has been over 30 days and the issue has not been fixed. 
Back story, In XX/XX/XXXX, I requested a hardship assistance which I was informed that they would report to the credit bureau if approved that the loan is modified which was fine with me and they told me my account will be reported as Current to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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:
It appears that my 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 & block any items which is found to be fraud 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. Please block/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXXXXXX XXXX  is using deceptive practices & extortion against me. I requested that a late payment be removed from my acct because of THEIR fraudulent reporting. None of what is required by law was done before reporting derogatory information on my report. XXXX XXXX is knowingly breaking the law after my first complaint with no regard to me in our fiduciary relationship. XXXX XXXX has then threatened to close my cards, saying that they dont understand my complaint, which worded simply and plain. They also refused to respond to me through the cfpb which is the median I reached out to them through. I have done all of the verifying that is required by law. I am being bullied and attacked & this is causing me stress and 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 2023-05-23
Company: National Credit Systems,Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with XXXX and NATIONAL CREDIT SYSTEMS , INC, both companies are reporting a debt that doesn't belong to me, NATIONAL CREDIT SYSTEMS , INC sent over documentation showing a signature that isn't my signature just shows my name eletronically, I need real verification of debt showing that the debt belongs to me with my actual signature, my husband was incarcerated at the time of " lease agreement '' the signature doesn't match his signature nor does it match my signature, this account has been removed from my husbands credit report, I am giving XXXX and NATIONAL CREDIT SYSTEMS , INC 14 days to remove this from my credit report or I intent to file a suit. 

I need need to know what method was used to validate this debt from XXXX and NATIONAL CREDIT SYSTEMS , INC . 

I uploaded the application showing that both signatures on the applcation are the same, so whoever signed this lease it was signed by only one party and the other signature forged, which constitutes fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Specialized Loan Servicing Holdings LLC
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My husband took a second mortgage against our home several years ago. Subsequently he became severely ill and passed away in XX/XX/2012. At that point I requested a loan modification from the bank and sent all documentation related to the passing of my husband, along with dead certificate and related paperwork. I faxed the documents several times and every time they lost the docs and refused to talk to me arguing that my name was not in the mortgage. Eventually I saw protection under XXXX  XXXX and began the process of reorganization in order to take care of my responsibilities. During that process my then attorney sent the paperwork needed so that the bank could make arrangements with me personally. They exchanged some communication with me to inform me they would only deal with my attorney. My attorney continue to fax docs prompting the bank to discuss my payments with me directly. However they follow the same deceptive practice of asking me for paperwork that they would eventually lose again. Through many hardship and anxiety over losing my home, responding to letters sent to me, I made a last attempt to try and reach a resolution with them. They did not answered and went on to order the sale of my property without serving me with all paperwork related to their intentions to foreclose on my home.Tired of being mistreated, feeling discriminated by their agents I talk to the attorney general deputy XXXX XXXX XXXX. I also contacted them ( the bank ) today and spoke to XXXX ( refused to give me her complete name ). XXXX XXXX told me I needed my husband to sign an authorization in order for them to talk to me. My husband has been gone since 2012.

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 2019-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been disputing items on my credit report at Experian, and they do not properly investigate them to determine that are mine. My last attempt was decided on XX/XX/2019. these things that are on there from years ago are not mine. And they cant prove otherwise.

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