BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NC
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: RI
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 requested the correction of inaccurate information that another credit reporting agency found inaccurate and had removed it. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To : Experian, XXXX, XXXX. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX  and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report 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 explanation
Consumer complaint received 2023-07-18
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:
After checking all 3 credit reports, I found an entry for a credit card issued through XXXX XXXX Bank that was showing in collections through XXXX XXXX XXXX. As I have no knowledge of this account, I disputed in with the credit reporting agencies. They said that the report will remain as they confirmed the information is valid through XXXX XXXX, XXXX. 

On XX/XX/2023, I wrote to XXXX XXXX XXXX stating that the account through XXXX XXXX Bank does not belong to me and that I have no knowledge of such an account. I then requested a complete copy of all documentation they had from XXXX XXXX Bank, proof that I authorized the account, copies of all receipts of purchases, etc. made, etc. I requested that the information be provided within 15 days or I would file a complaint with you. 

It's been 30 days since my letter to them and no response. The account they say belongs to me does not and they have not proven that it is. They have not responded. I want the information removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-12-13
Company: Messerli & Kramer P.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mersal and Kramar ( Minnesota ) Sued me while I informed I was in Texas after winning the law suite the they garnished my account for XXXX XX/XX/2019 dollars. They were aware that in Texas they are required to be bonded by the Secretary of State I have asked to turn the account over to original owner  XXXX   XXXX but continue to send letters to my attorney after I provide my address on phone to them. why are refusing to call me to write letters when I gave my Texas address. This took place today XX/XX/2019. 

When capital calls they keep saying my attorney I do not have one he has given permission for me to speak to them I have capital one remove information. I frustrate feel victimized by the games played here. How can company collect in Texas while they are not bonded also I received letters from court while this case was going in Texas proof that I live here. Please find this company they are abusing consumers like me I am asking for justice if there is fine I need them fine if you need proof I will supply. I make clear on the phone here that they must resume communication with me and stop playing oh he has lawyer game. 

Please Are third-party debt collectors and credit bureaus required to register with the secretary of state? 

No, but third-party debt collectors and credit bureaus are required to file a {$10000.00} surety bond with the secretary of state before engaging in debt collection. Tex. Fin. Code. 392.101. The bond must be in favor of the State of Texas for the benefit of any person damaged by any violation of Chapter 392, Finance Code. Id.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from RMP Services LLC for a medical debt. This debt is related to a claim that is under appeal through insurance. I called RMP and explained to the debt collector that this debt is not owed by me because it is still being processed by insurance. 

The collector refused to accept my debt dispute. I asked if they will accept that the debt was in the appeal stage of insurance processing. They refused to accept this fact and refused to remove my account from collections. The collector wanted an EOB from my insurance company within 5 days, but and they did not accept that the insurance company may not return the appeal until XX/XX/2022 ( 60 days from appeal submission ). 

I requested RMP to put this debt on hold pending appeal and remove me from any status of bad debt that could impact my credit score, and they refused. She stated my only options were to give her the EOB ( which does not exist yet ) or pay the debt. 

This is misleading practice by RMP and appears to violate federal rules on this website. I will call the hospital and ask them to remove RMP from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 168b Permissible purposes of my consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been to a doctor named XXXX XXXX XXXX. According to his website he's a XXXX. I have never been to a XXXX in my entire life, nor have I ever been to the city where he practices. I have disputed this collection account which says I owe over {$3000.00}, numerous times but every time I dispute it they just increase the balance causing my credit score to go down. I do not owe this bill. I have had XXXX   for over 10 years so any medical bill is paid by XXXX. So I know I never was a patient of XXXX XXXX XXXX as his area of practice isn't covered by 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-05-25
Company: Bridgecrest Acceptance Corporation
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:
As per my credit reports it states negative remarks for late payments dating 2020 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Due to Covid 19 Ive contact the company which is Bridgecrest to rectify the matter but to no avail.

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 2022-09-15
Company: Early Warning Services, LLC
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 i made two payments using Zelle payment system. The amounts were {$150.00} and {$200.00} to XXXX XXXX. The transaction IDs are XXXX ( {$150.00} ) and XXXX ( {$200.00} ). XXXX received the funds but did not give me the product. He would not meet me at the desired location of XXXX XXXX XXXX XXXX, XXXX XXXX. Hopefully these transactions can be reversed. Thank you for all the help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: OK
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:
They are inaccurately reporting late payments on my XXXX XXXX XXXX account for the months of XXXX and XXXX in the year of 2018. I have asked the bureaus the provide me with any evidence suggesting otherwise and they have been unable to do so. At this point they are violating my constitutional credit right provided by the FCRA with inaccurate information and needs to be removed immediately. My next steps are to seek compensation and file a litigation lawsuit for incorrect information. 

XXXX XXXX XXXX XXXX XXXX is not mine and is an error of identity theft. This account needs to be removed immediately from my credit. 

There are also several unauthorized inquiries on my report which I have listed below and also need to be removed immediately : 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These accounts are currently on my credit reports even though president Biden has passed a law to remove/forgive all student loans.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has given me a small micro secured loan. It was paid off. The data on my credit report ( attached ) shows it was in collections, could be potentially negative, no balance for a few months or payment shown, shows I closed account at my request when it was paid in full and it was secured not unsecured. Furthermore, it was closed over XXXX  years ago and if it is potentially negative it needs to be removed from my credit reports. There needs to be data for XXXX and XXXX. It needs to show that this was a secured loan that was paid in full. Otherwise if there was any attempt for collections or any negative information it has to be removed it is over XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXXXXXX XXXX account # XXXX, 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

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 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$800.00}

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$30000.00}

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