BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a complaint against all three credit bureaus in regards to fraudulent accounts on my credit report. XXXX and XXXX complied with the FCRA and removed fraudulent accounts and never reappeared on my credit report.. Experian has failed to comply in deleting the same fraudulent accounts XXXX  and XXXX deleted or provide me with sufficient evidence or reason to keeping fraudulent accounts on my credit report. Experian has been reporting derogatory and inaccurate information relating to my credit report. XXXX ( {$22000.00} ) / XXXX XXXX ( {$1200.00} ) both fraudulent accounts Experian has failed to remove from my credit report.I filed a police report sent it to Experian twice and they haven't complied with the FCRA.I have suffered actual damages in the form of credit denial and loss of credit opportunity, credit defamation and emotional distress, including anxiety, frustration, embarrassment and humiliation.Experian has showed reckless and gross negligence for federal law.

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 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report recently and noticed unauthorized inquiries in my report. They are the following companies please remove from all 3 bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sent an account to collections. Then the account went to a collection agency. I called XXXX to settle the account and XXXX told me to call the collection agency- XXXX   XXXX. I called XXXX XXXX and a representative told me that they no longer had the account and to call XXXX back. I then called XXXX to verify address. I mailed a settlement letter to XXXX on XX/XX/XXXX, in which XXXX accepted the {$550.00} & terms on XX/XX/XXXX. I have the letter and the cashed check from XXXX. The new collection agency is Diversified. Since XXXX accepted the terms in the Settlement letter - I no longer owe XXXX or any collection agency any money. If XXXX did not accept the terms of the settlement then they should not have cashed my check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: IL
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 obtained my credit report from Experian

online and found the following items listed on my credit reports. ( U.S. Bankruptcy Court ) was inaccurate. After seeing my report i sent a dispute letter of Method requesting the following 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute which this dispute letter is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). After Experian finish their investigation they stated that information being reported was verify with the courts and there will be no changes to my report. After receiving these results, I then contact the U.S. Bankruptcy courts office, asking them do they verify any information with any company. I was told that The United States Bankruptcy Court d
oes not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files.

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 2021-11-11
Company: EQUIFAX, INC.
State: MN
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX  XXXX  Inquired on XX/XX/2020 ; XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX  XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX  Inquired on XX/XX/2020 ; XXXX XXXX XXXX  Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called by number, XXXX, up to 3 times a day. They don't leave voicemail. When I called back is says " number not available ''. When I answer it says " no one is available to take your call '' Today, I picked up again and man identified his name as XXXX and said he was with the company Affirm. I told them to stop calling since they call me three times a day. He said it was a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than 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 2018-01-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attached is paperwork from Carrington Mortgage showing my mortgage interest rate changing every 6 months. I 've also attached information stating Carrington & XXXX XXXX apart of a class action lawsuit for their discriminatory practices. I feel I 'm being discriminated against because I 'm a XXXX woman and head of my household. I do n't want to loose my home. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report and was shocked to find a fraudulent account. I reported and disputed it as identity theft. The so called account was for an address in a town and state i have never lived and was for cable service. Further investigation revealed it was XXXX XXXX and AFNI was trying to collect. I never received any notifucation of this so called debt from either XXXX nor AFNI but theyve been illegally report8ng it negatively hurting my credit. I contacted both and notified it was not mine and fraud. Likewise i reported it to all three bureaus as fraud. However, all returned it as verified

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: MO
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:
THIS FINAL DOCUMENT SHOULD HOPEFULLY AND FINALLY RESOLVE THIs ISSUE. THIS IS NOT A DUPLICATE COMPLAINT. I have an account that is being incorrectly reported on by XXXX and Experian. XXXX has finally corrected the issue on their end. Account number XXXX through XXXX XXXX XXXX ( originally through XXXX ) should be reported as Paid in XXXX and Closed as of XX/XX/2016. XXXX is incorrectly still displaying this item as open. Experian is displaying this item as in Collections as recently as XXXX of this year. It needs to reflect that it has been paid in XXXX   and closed since XX/XX/2016. I have included a correspondence with XXXX XXXX XXXX explicitly indicating the correct status and Paid In XXXX  and Closed and also the Date which the account was closed XX/XX/2016.

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 2017-12-21
Company: World Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX XXXX, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by  XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided***

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Every 6 months for the past 2 years, Waypoint Resource Group of XXXX Texas attempts to collect a 5 year old {$100.00} debt to Comcast ( which I was told at the time that I will not owe ). Their method of contact is to " ding '' my XXXX Credit report without contacting me by any other means, ie ; mail, phone, email, etc. 
I contact them ( on a recorded call ) and attempt to settle the debt which is refused. After several weeks they are removed from my Credit Bureau. Like clockwork, 6 months later the same thing occurs. 
I feel that this is harassment at the very least. 
I have worked diligently for the past 3 years to elevate my credit score, only to have it take a 27 point " hit '' every 6 months. Please make them stop this harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2021, I received an alert from my credit monitoring regarding a hard inquiry from XXXX. I called XXXX immediately to report the fraud. They confirmed that someone used my social security number to open a credit card. As a result, they declined the credit card application. After the call, I filed a report on identitytheft.org and placed a fraud alert on all 3 credit bureau. 

On XX/XX/2021, I received another alert stating neiman marcus made a hard inquiry through XXXX  and someone attempted to open a credit card with my social security number. Neiman Marcus stated that the credit card application was declined as there is an active fraud alert. I requested for a letter stating the fraudulent incident, but they refused to provide as the application was declined. They also stated that the hard inquiry will be dropped from my credit report after 30 days. 

Since then, I've been monitoring XXXX  on the hard inquiry but it was never removed. I attempted to dispute with XXXX  and they stated that neiman marcus is the only source that can request removal of the alert. 

On XX/XX/2021, I contacted neiman marcus and requested to speak with the fraud department. They told my phone number but never got back to me. I called capital one, the bank that host neiman marcus credit card. Since I'm a capital one customer also, we had a conference call together with XXXX from neiman marcus. XXXX stated she will contact equifax to get the inquiry removed. When I requested for a letter stating which information is fraudulent, she stated that is not something they provide and told me to wait 90 days. 

I am skeptical of neiman marcus ' willingness to resolve the fraudulent activity. 
-They never called me to understand the fraudulent activity. 
-They never provide a letter stating which information is fraudulent. 
-XXXX was not able to help in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I mailed a letter requesting to have items investigated then removed from my credit report. The credit reporting companies have not done thier due diligence to reported back within a 30 day period. I have listed all the items that need to be investigated and removed from my account. The law states : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
I did not ask to just perform a reinvestigation of the items they need to be deleted. The position that the credit reporting agency isn't required to go beyond the original source in ascertaining whether the information is accurate has been rejected by the United States Courts of Appeals for the Fifth and Seventh Circuits. It requires consumer reporting agencies " to follow 'reasonable procedures to assure maximum possible accuracy ' of the information '' contained in the credit report. 
They have deliberately skimmed over and not protect the rights of the consumer. All of these Items are well over the 7 year statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
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: Account information incorrect

Complaint:
My credit reports with XXXX, XXXX and experian show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.

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 2020-02-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had previously informed Chase about an unsolicited email message that I received from Chase ( unsolicited message from Chase XXXX ). 

In its response ( Chase Letter regarding unsolicited messages XXXX.19 XXXX ) Chase claimed that the unsolicited email message was related to a product or service that Chase is offering, but regardless of the fact that the message was related to a product or service that I had not requested from Chase, Chase did not consider the message a solicitation. 

In its response Chase quoted its policy saying that " Under the terms of your credit card account, we can send you email messages for transaction or service related reasons. We may also email you if we suspect fraud or identity theft, or to obtain information from you. '' 1. The unsolicited email message that I included with this complaint was not related to any transaction on my account. 

2. It was not related to any services of Chase that I used or inquired about. 

3. There was no suspected fraud nor suspected identity theft on my account to which the unsolicited message was related. 

4. The unsolicited message did not contain any requests for information from me. 

It is quite concerning for the community as a whole that companies like Chase started to disguise their unsolicited advertisements as service related email messages in order to bypass any ethical standards meant to restrict the amount of SPAM sent over the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: JPMORGAN CHASE & CO.
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:
XX/XX/12 FRAUDULENT ACCOUNT ACTIVITY {$820.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: DISCOVER BANK
State: AL
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 several unauthorized credit inquires on my personal credit report. 

I contacted have contacted each company that did the inquiry and they all told me to contact the credit bureaus and do an investigation. I contacted XXXX and they told me to contact the company that did the inquiry. Both sides are telling me to contact the other and doing no actual investigation themselves at all. 

I would like to request that XXXX initiates an investigation into these inquiries to determine who authorized them inquiry. If, once their investigation is complete, they find my allegation to be true, I ask them to please remove the inquiries. 

The inquiries are as follows Discover Bank Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX - XXXX XXXX   Inquiry from XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: MO
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'm a victim of identity theft, I've also a victim of the Equifax data breach. Accounts has been opened up in my name inwhich I have no knowledge of. In particular the following accounts are not mines, therefore I'm asking that they be removed or support by certified physical documentation. Please remove the following accounts. 

1. XXXX XXXX {$12.00} 2. XXXX XXXX XXXX {$130.00}

Company response to consumer: Closed with non-monetary relief