BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
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: Account information incorrect

Complaint:
Dear Sirs, I never asked the company ( Equifax ) to monitor my credit record but no they took control and report my credit. Some time ago they told me that, I had my credit information compromised from their database and sent me information to pay more scrutiny to my record. 

As my credit card company shows below my FICO record is affected because of their laziness and inaccurate system monitoring. Their system downgrade my FICO score because it did not see any home mortgage payment from my account. Because of that the system downgraded my FICO score. In the first place, I did not choose them to be my credit score bookkeeper and they are doing a lousy job. They have not got any record from my mortgage company about my payment default. They will not because I have paid off my mortgage and do not need to pay the monthly payments. Their system is so dumb that it does not detect these changes and still, it faults the helpless consumer. 

First, they compromise security and lost my financial record which I did not ask them to keep secondly they do this gross mistake and am surprised that they are still bullying me to hold and judge my financial activity this is injustice and mafia action. Because I do not believe this company is qualified to do such a service. I have no auto loan or student loan currently but their vague judgment is based on not showing such debts. How much do they know their customers? Below is the reasoning for their credit score downgrading.

Key Factor ( s ) Affecting Your FICOScore : * 1Number of accounts with delinquencyMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to FICOScores. Your score was impacted because your credit report shows one or more accounts with missed payments. 
* 2Lack of recent installment loan informationFICOScores consider recent non-mortgage installment loan ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: TN
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:
Remove the information from my reports

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 2020-09-10
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to XXXX. They are stating that the original amount of the debt is {$69.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. 

Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to XXXX. The amount of this debt also continues to grow with interest being tacked on and now sits at {$160.00}. 

I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today : I went to the ftc site to get information on putting a security freeze on my credit reports. 
Equifax 's online site told me my credit report was probably compromised so I tried to put a freeze on my Equifax report. My effort failed as their phone system put me on hold for an unreasonable amount of time. I went to the other credit bureaus ( XXXX and XXXX ) listed on the ftc site. One told me I had to submit a request in writing ; the other told me about fees as well as a complicated route to initiate a freeze. Please tell all three bureaus to streamline and simplify the credit report security freeze process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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: Information belongs to someone else

Complaint:
There is incorrect information reporting on my credit report.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance {$10000.00} Account number XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX {$310.00}

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 non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 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 2018-08-17
Company: EQUIFAX, INC.
State: NV
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:
Last year it submitted this police report to all 3 credit bureaus .Equifax omitted to remove all fraudulent inquiries that was not authorized by me from XX/XX/XXXX.

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Recently a company made duplicate credit inquiries on my credit report that I did not authorize. 2 from the same company XXXX XX/XX/XXXX. XX/XX/XXXX Why would the same company pull my credit 2x. I didn't authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing this account with Experian for over the last 8 months and sent certififed letters and documents to prove these accounts have been reporting inaccurately. XXXX XXXX XXXX has 3 seperate loans XXXX XXXX, XXXX has purposely violated my rights as a consumer by reporting false, reaging accounts and intentionally keeping my credit worthiness low. I have asked repeattly per my rights as of setion 623 of FCRA asking for validation and proof of these inaccuracies. Everytime they have came back verified. Well if that were so then how come I am able to show errors.

EXPERIAN IS REQUIRED TO DO THE FOLLOWING : ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Which they have failed to do.Please see attached EXPERIAN is showing that the date opened on the loan was XX/XX/2014 holds a balance of XXXX it has no high balance but is showing refinanced and closed. has no past due balance or monthly payment. 

XXXX XXXX XXXX HAS PROVIDED ME WITH A COPY OF PROMISSARY NOTE THAT STATES 1. Orginal loan amount was on XXXX. 
2.Payment XXXX made 3 payments in full. WHERE is XXXX? how is it they are reporting XXXX on paid as agreed. 
with XXXX previous balance.?????? Yet experian reports 3 different balances on closed accounts with past due?? how was this verified with a BLINDFOLD?

I HAVE BEEN REPORITING THIS AS INACCURATE FOR MONTHS WITH LIES OF VERIFIED. I HAVE EVERY RIGHT TO BE UPSET WITH THIS AND THE FRURSTRATION THIS HAS BOUGHT ME. DELETE THESE ACCOUNTS PLEASE SO I CAN MOVE ON WITH MY LIFE.

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 2023-02-10
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: Reporting company used your report improperly

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. 

XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX, XXXX 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 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 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 2018-07-18
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Sent to Regulator FTC XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Company responded Account was closed by consumer for poor service!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. XXXX XXXX XX/XX/2017 not mine.

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 2018-08-17
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, we received an escrow disbursement check for {$8.00} from Ocwen Loan Servicing. Now ; on XX/XX/2018, we refinanced our home with XXXX XXXX XXXX XXXX. In XX/XX/2018, XXXX XXXX XXXX XXXX paid off this mortgage loan. NOW : it's been three months so why didn't Ocwen send us the full escrow reimbursement amount when Ocwen sent us the previous reimbursement check on or around XX/XX/2018 for {$330.00}? It appears that an employee of Ocwen Loan Servicing charged us for satisfaction fees when we were NOT suppose to be charged! So, why did Ocwen charged us these fees? Does federal or state laws allow mortgage servicing companies to charge satisfaction fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$130.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX  XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a bill from Aargon collection company of club dues. I was not given opportunity to dispute the item.

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 2018-07-18
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my loan was transferred XX/XX/18. and I had to make my payment before XX/XX/18 to XXXX, and after to new provider, XXXX XXXX I made a payment on XX/XX/18 XX/XX/2018 i called loancare and was told that they may have canceled my payment, and to wait a few days with the transfer I have 60 days no late fees or report to credit agency, the XXXX loancare calls and leaves a message, I call back and the guy is telling me I have to make the payment I explained I did and I was told to wait a few days to see if it would still process he tells me nope need to make payment now, I tried to explain I would like a copy of that letter, I don't want to have 2 payments pulled the same date, he said trust him and I need to make a payment m I said I did your company messed it up and he said I still have to make the payment today!!!!! now XXXX and XXXX XXXX use loancare for the service of the loans so laon care is the one demanding my payment I told him I would feel better waiting few days make sure the other doesn't process, I than said I thought someone has 60 days so how can you be telling, me that I have to pay today, again I told him the lady on the XXXX told me to wait a few days and that's what I wanted to do, he than said I still have to pay my loan I said I did and they messed up and he than started again I told him again I thought with the 60 days I have some time so whats the rush if I wait a few days and he wouldn't stop so I hung up so sound like they don't follow the 60 day rule with the new transfer

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 2022-12-14
Company: EQUIFAX, INC.
State: AZ
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:
I noticed inaccurate and unverifiable information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/XXXX I financed a XXXX  XXXX XXXX from XXXX in XXXX. I traded in my XXXX XXXXXXXX XXXX XXXX and after transaction was complete I asked what to do about further XXXX  payments so it would not hit my credit as late and XXXX told me no worries we will handle that just take it off autopay so they will not charge you. 2 months later I had a late payment on my credit for the XXXX. I texted them and XXXX said it was paid off in XXXX and the credit report would update to never late at some point. I disputed the late payment with Capital One through XXXX XXXX and was told they wouldnt remove it for some reason?? On top of all of that XXXX did in house financing through XXXX XXXX and hit me with another late payment on my XXXX in XXXX even though I have email receipt from XXXX XXXX with the correct payment date on it never being late and asked them to fix that as well over their online app chat and was told to basically go XXXX myself. This company is destroying my credit on top of the fact the XXXX I got is a lemon vehicle so literally all I want is the late payments deleted so I can go back to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents because I was never late in this 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 2018-08-17
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In XX/XX/XXXX was contacted by National Credit Systems I owed money to XXXX XXXX XXXX NC where I use to be a tenant. They asked NCS to collect debt.. In XX/XX/XXXX I sent NCS a Cease Comm letter telling them to cease all communications with me, also told them I will deal with XXXX XXXX myself and that I refuse to work with a collection Agency. I also told them not to contact any credit rating agencys of this debt. In XXXX I checked my credit reports and NCS has this debt listed. On XX/XX/XXXX I send NCS another letter telling them I do not want to deal with them. According to the post office they picked up letter XX/XX/XXXX. Yesterday, XX/XX/2018, NCS sent me another letter demanding payment.

Company response to consumer: Closed with explanation