BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: SC
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:
Violations 15 USC1692 Sharing of Personal Information ( 10 ) 15 USC 1666b ( a ) Timing of Late Payments ( 15 ) 15 USC 1681b2 Right To Privacy ( 12 ) My Consumer Credit report is not fair and equitable, I cited the inaccuracies 15 USC 1681 ( a ) and explained how my report is full of errors and they did not exercise their grave responsibility with fairness. 15 USC 1681b ( 2 ) My right to privacy is constantly being violated by XXXX by reporting inaccurate information, not properly investigation and not responding to correspondence that were sent concerning this matter at hand.did not properly Re-investigate accounts listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
Notice To Cease And Desist I refuse to pay XXXX XXXX XXXX, XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX  alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A.

If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi, my name XXXX XXXX  XXXX. Recently I applied for job and they require to check my background and then they gave me background report from credit company. they found a criminal report on my name which is ( XXXX XXXX  for XXXX XXXX ). I wasn't involved with any criminal background, but as I know I owned a grocery business it was my first experience with business.It was run including food and nutrition service which is call food stamp. that time I wasn't present in the store and my new employe was there and he doesn't speak and doesn't understand XXXX enough, may be he did mis transaction with food stamp because he didn't understand or something else. he wasn't explain me enough. that area most people have food stamp. I'm not lying I didn't do this kind of business, swear my XXXX, afterthat service was gone which I didn't know. now in XX/XX/2018 I'm trying get a job and bad report I'm disqualified. my question is how can I remove bad criminal report from my background, swear again I'm not involved with that. I want to get a job. I want to remove it from my name. I love this place, I want to live here. that's all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX, I submitted a complaint to CFPB in reference to XXXX XXXX XXXX because they placed a debt collection account on my credit report that I had No knowledge of. XXXX and XXXX XXXX XXXX found my complaint to be correct. This company had closed and they sent me a letter stating that the account was deleted and removed from all of my credit report and that they had notify the bureaus to let them know to delete it from my credit report. Experian is the only credit bureau that refuse to delete this from my credit report. They said they are still investigating and I wrote them a letter on XX/XX/XXXX XXXX in reference to the matter which makes it over thirty days which is also a violation of my rights as a consumer. I talked to a representative XX/XX/XXXX and he said there was nothing they could do until their investigation was done. This complaint is in reference to Experian Credit reporting agency.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A XXXX XXXX XXXX XXXX is reporting as a charged off account. This account is fraudulent and violates FCRA XXXX XXXX XXXX. It is NOT reporting accurately and is an illegal account. It must be removed.

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 2022-01-31
Company: CAINE & WEINER COMPANY, INC.
State: MI
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:
The CAINE WEINER ( Original Creditor : XXXX XXXX ) was never reported on the other credit bureaus which I why I am totally unsatisfied with the result of your investigation. This was all incorrect and not acceptable. I am asking for you to reinvestigate and remove this account accordingly if no valid proof will be presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: EQUIFAX, 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:
Upon checking my credit for the first time in years there were many Fraudulent accounts and inquiries that I didnt recognize and accounts that I didnt open as well as wrong name and addresses on my reports! I sent certified letters and FTC report about identity theft/fraud. I have sent many certified letters and called XXXX XXXX XXXX asking for all statements and documents on this account that is on my report.They keep reporting without providing and validating me the information that shows that this account belongs to me with my signature as well as every document with payments, purchases any and ALL information they have on this account! I have sent them FTC report and they are required to give me all documents with signatures and payments and statements but they have not done so! Each time I have called and disputed many times they change the date just to change something and Damaging my credit without proper validation that this is my account! I want the proof that they have provided this fraudulent debt to FDCA and FRCAs! Theyre reporting inaccurate information to Equifax, XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT XXXX DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX AND CANT MOVE ON WITH MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
Around XX/XX/20 I applied for forbearance with my mortgage company ( My Loan Care ) due to the impact of Covid 19. Under the " Cares Act, '' this was not supposed to impact my credit report negatively, which it has. My XXXX  score dropped over 70 points by them making there 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 2023-08-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 morning I tried using my everyday card to get some breakfast and my card didn't go thru. I contacted Chase and was informed my account was districted and close due to suspicious fraud activity. That i will received a cashiers check in 10 business days. I was upset because I was never informed of this and all my money that I have to my name was in this account. They wouldn't provide a reason on why they closed my account or what was suspicious about the account. I was giving no warning till the morning of this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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: Account information incorrect

Complaint:
Debt collection is fraudulent and needs to remove from my consumer credit report from all three agencies XXXX, EXPERIAN and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Albert Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed up for Albert.com XX/XX/XXXXsubscription feature and I on the same day that I was charged, I requested they refund me the {$96.00} that they charged me. So far I can not cancel the subscription and they have refused to refund me the {$96.00} because they say a savings deposit must complete first in order for the {$96.00} to be refunded. I do not understand what this has to do with my {$96.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Resurgent Capital Services L.P.
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:
I keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Lvnv funding llc XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX Lvnv funding llc {$470.00} XX/XX/XXXX Lvnv funding llc {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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 recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.

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 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 TransUnion Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS  TO BE REMOVED XXXX XXXX  XXXX Transunion Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently went over my credit reports, and I noticed several incorrect and fradulent accounts on my credit file and I had to report that I've been a victim of identity theft. I Locked my credit file and disputed the items listed BELOW I am not liable for this debit. I do not have or never held a contract with the creditors Listed below after requesting information from creditors, they did provide me with the original contract as requested per 15 USC 1681a2 I did not give verbal or written permission have these accounts furnished on my credit report. After disputing this through XXXX they still never sent me proof and XXXX, Transunion, XXXX still presents these negative items on my credit report. 

According to Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. I asked for verifiable proof of the original consumer contract signed by me in agreement that I would pay said debtors for each of these collections account and still haven't receive any communication from either one. Listed below are the inaccurate collections accounts I want removed. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Also there are negative charge offs on my credit file that I have disputed as well these are bringing down my XXXX XXXX and costing me thousands in interest yearly these companies listed below have canceled out said debit however company has filed it on their taxes as ordinary income loss but they are also reporting it on my credit report as debit this is INACCURATE REPORTING also they have never sent me a XXXX cancellation of debit so that I can also file this on my taxes as ordinary income this is a violation of 15 USC 1681eb which states that the consumer report must be the maximum of accuracy. 


I WANT XXXX TRANSUNION AND XXXX TO REMOVE THE COLLECTIONS ACCOUNTS AND CHARGE OFF ACCOUNTS FROM MY CREDIT REPORT THAT IS NEGATIVELY AFFECTING MY SCORE AND COSTING ME THOUSANDS IN INTEREST YEARLY.

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 2022-09-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT XXXX DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX AND CANT MOVE ON WITH MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2023 I did a balance transfer of XXXX with my XXXX XXXX  Credit Card 0 % interest promo for 12 months. Each month since i have made payment in excess of purchases made each month and paid substantially to reduce balance transfer. 

Each month they charge interest, the first 3 months i called and they reversed the interest charges. This month they stated i am to be charged interest on any purchases until the balance transfer is paid off. 

That is not what the agreement stated and it would make no sense to do a transfer if that where the case

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 monetary relief