BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
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 have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
THIS IS XXXX XXXX! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I ALSO FILED A COMPLAINT ON XX/XX/2021 COMPLIANT # XXXX. I AM NOT SURE WHY YOU HAVE STATED I AM NOT WHO I SAY I AM AND THAT I HAVE AN AUTHORIZED THIRD PARTY WORKING ON MY BEHALF. 

AGAIN, I AM XXXX XXXX THE NATURAL PERSON SUBMITTING THIS ON MY OWN BEHALF. I AM AWARE THIS IS A STALL TACTIC BEING USED TO PREVENT YOU ( XXXX, EQUIFAX & XXXX  ) FROM DOING YOUR JOB! I WILL BE USING ALL RESPONSES AND COMMUNICATION REGARDING THE MATTER AS ADMISSIBLE EVIDENCE IN ANY MATTER REGARDING THESE ACCOUNTS. 

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. As of today I have not received a response yet. I feel I'm being taken advantage of and being ignored in regard to my disputes. As I stated before this has been an ongoing struggle for almost 1 year with trying to get the bureaus ( XXXX, EQUIFAX & XXXX  ) to investigate the inaccurate and unknown items on my credit report even after I have sent validating information to support my dispute. I never gave you ( XXXX, EQUIFAX & XXXX  ) authorization to add anything on my report nor did I give any creditor authorization to give ( XXXX, EQUIFAX & XXXX  ) anything to add to my credit report and I want these items removed immediately! These are illegal and unlawful accounts on my credit report, I already sent all my identification needed for authorization. 

I demand these accounts be removed immediately for violation of my right to privacy Fair Credit Reporting Act 15 United States Code 1681b ( 2 ) and you did not have have permissible purpose to furnish this information on my consumer report ; and violation for Fair Credit Reporting Act 15 United States Code 1681i Procedure in case of disputed accuracy ; If this is not removed immediately I will file for litigation due to the stress you have caused me and contact Attorney General office to make a Compliant, as well as Federal Trade Commission and the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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:
I contacted the credit bureaus on XX/XX/21 regarding existing disputes from my client. Our client was ready to buy a house, so I proceeded to ask all three credit bureaus to remove all disputes. The credit bureaus told us that they would be removed after 3 days. XXXX  and XXXX  did remove the " dispute '' status, however, Equifax did not. On XX/XX/21 I decided to follow up with Equifax, and they said the same thing, " it would take 3 days ''. On XX/XX/21 my client 's lender tried to get him approved but the disputes from Equifax were still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have pulled a comparison report and they have reported three different things on all reports and I have filed a complaint because I sent a negotiable instrument to pay off the card and they said that I couldnt do that but the item followed the USC as a negotiable instrumment they have also reported three different things on the comparison report. I asked to opt out and I called the number that is listed on their website privacy policy they said that i couldnt do it and finally I was told after being passed around that I didnt do it in 30 days then I couldnt.

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 2023-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-04
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I started the process of a short sale on my home in XXXX 2015. I hired a reputable real estate agent and we got a contract. The lender is refusing the offer and insists on an unreasonable and unrealistic price for the house. When we asked for the basis of the figure they proposed for the sale they refused to answer. Now, they 've served me with a second set of foreclosure documents falsely indicating that they have never received an offer and the last time they contacted me was in XXXX 2015. My letter to them is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
hello id like to resolve an ongoing matter that needs to be resolved finally. 
I have had an account in the past with XXXX and had a stellar payment history never missed a payment and always made them well ahead on time never any issues. Apparently I was informed there was a time in which I had updated my financial institutions on there website where payments were automatically taken and there was a system glitch which kept attempting to withdraw funds from a bank account I had recently closed and this caused for a late payment to reflect on my credit bureau as this is showing false and misleading information as I have never purposely made a payment late. I was advised they would look into this matter and update the credit bureau but I've never heard back and this still is reflecting negative and need to be cleared up and removed as I have never been late.

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 2023-12-01
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a XXXX XXXX member. I came to deposit XXXX XXXX into my XXXX account at the atm outside of this location ( XXXX, XXXX ) on a XXXX evening. The ATM took my money, failed to deposit it into my bank account and proceeded to print out an error message telling me something went wrong and to contact my financial institution. It did not give me back the money I deposited nor did it post to my account. Their ATM literally stole from me. 

I immediately called XXXX XXXX. As a member I expected this to be resolved ASAP with urgency. Instead the XXXX person to answer tells me he will transfer me to the " disputes '' department. While on hold, the automated system told me there was a XXXX hour hold for that department and that I would he placed on a call back queue. I waited. 

I finally get the call back. The lady was completely unempathetic of the situation. She told me it could take XXXX XXXX DAYS to " investigate '' this incident! Are you serious?! I need this money now and this is XXXX XXXX 's mistake. There should be URGENCY! I explained I was not the only XXXX struggling with the ATM and that it should be noted as OUT OF SERVICE IMMEDIATELY so no one else has to go through this! She said " yeah I wrote a note about it on your claim ''. It seems she wrote that note on my case and not actually put an alert that the ATM is down in real time! I am completely repulsed by XXXX XXXX. 

I asked what am I supposed to do? I need this money and got forbid it happens again in the future with large sum of cash. With technology these days, ATMs can be quickly audited within XXXX for extra or missing cash and it does not take XXXX XXXX days to provide me a provisional credit at least! She said they would not even offer provisional credit until the XXXX BUSINESS DAY of claim! XXXX XXXX does not care about its members. All of this for XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX a debt was placed on my consumer report. without an writing notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: Logan View LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
We receive back to back threatening letters to sue us and contact us at work. I called to arrange something and they repeadely said my whole families information and ss #. Very violating of my families information. Would n't answer me to why he needed my ss # when the bill is in my husbands name. Constant letters threatening us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-20
Company: EQUIFAX, INC.
State: CA
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:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Avant Holding Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an AVANT credit card.I call every month during the first few days of the month and I ask for my entire balance .When I receive the amount from the customer service representative, I pay that amount. I pay in full each month. On XX/XX/XXXX I called and was given an amount of XXXX, which I paid in full. ( KEEP IN MIND A MINIUM PAYMENT WOULD BE XXXX ). On XX/XX/XXXX, I called Avant and was immediately asked if there was something going on in my life which caused me to be late in XXXX. I was shocked because I know I paid this account on time and in full.The account is due on the XXXX of every month however I pay between the XXXX and XXXX of the month, ( early ) .I asked the representative to please check the account because I was not late and paid XXXX. She checked and told me the XXXX was paid and on time but there was XXXX that was left as a balance. She discovered that in XXXX my whole balance was XXXX not XXXX. I then ask her how it is considered a late account when I paid XXXX the XXXX would be carried to XXXX She could not explain why it would be considered late.I then discovered a late fee of XXXX was added to my account for the XXXX. The company did reverse that however on my credit report they hit me with a notation of lowering my credit limit which effected my score. I have had identity theft in the past and i am trying to build my credit.this is wrong and totally the companies fault.They attempted to charge me falsely and lowered my credit limit as if I didn't pay on time, it effected my score. This is fraudulent practice. I CAUGHT IT this time.This company should be investigated for illegal practices to there customers.What can you do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX loan balance has been XXXX since XX/XX/2023 ; and reported as XXXX since XX/XX/2023. The other credit reporting agencies have updated and has reported correctly for months. Trans Union, however has refused to update the balance and status of this account accordingly. Despite, being notified of status from the original creditor/ company months ago. This caused me to get denied for my home loan at the end of XXXX, because the lender used information from all the XXXX major bureaus ; and Trans Union was reporting the information incorrectly. This was purposefully not updated, and TranUnion continues to report misleading and incorrect information on my report ; even though the creditor is not reported or supplied Trans Union with any updates or information on my account since 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 2024-01-11
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i haven't received anything withing the 30 days time limit, per 15 USC 1692g see attachments

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 2023-08-20
Company: EQUIFAX, INC.
State: CA
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:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ XXXX  ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ XXXX ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$52.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$23.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$24.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation