BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
They would say the Bankruptcy was verified but never provided the source of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my monthly mortgage XXXX-2017, I added XXXX to be applied to my principal. They used my money for two future mortgage payments till XX/XX/XXXX, I called, the girl no understand English, I do n't speak 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 2023-07-17
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I purchased furniture in XXXX from XXXX XXXX, and XXXX XXXX  help with a loan. I made on-time monthly payments until XX/XX/XXXX, when suddenly the account was closed because my credit score went down. 
I called the servicer. I asked them why they closed an account with good payment history. 
The customer service person told me they closed it due to my credit score being low. 
I could no longer make payments on a closed account. 
I see on my credit report the account still shows as a collection with a balance of {$2000.00}, I called them to pay on that due account and they said they can not find the account, or me owning anything. 
I am attaching a recent credit report taken by a HUD XXXX XXXX and the account shows as {$2000.00} unpaid balance ; however, also attached a credit report from XX/XX/XXXX where the same account shows a balance of {$1500.00} and a note on the account that says payed on time never late. 
I want to have this account removed form the report or at least not shown with a balance due. 
I am trying to purchase a home and this account is not allowing me to secured a mortgage.

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 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that these companies absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
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:
I have been a victim 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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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

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 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

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. 

Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I got my information hacked in the Equifax Breach. 

Dosnt is sound insane to anyone that I have now pay money to freeze my credit ( with all three agencies because just doing it for XXXX is useless ) out of my own pocket to stop the damage this is causing? There are between $ XXXX {$10.00} for put a freeze at each agency, but I to repay that everytime I want ot unfreeze and refreeze. KEEP IN MIND I HAVE NOTHING TO DO WITH EQUIFAX. I DO NOT DIRECTLY USE THEIR SERVICES, THEY JUST XXXX UP EVERY PEICE OF INFOMRATION ABOUT EVERYONE AND NOW THEYVE LOST IT. 

I fail to see how this is anythnig related to me, yet now I am having to pay for their mistake. 

fix this please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: SC
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:
Equifax is being non compliant with the 605b. I have sent them two disputes and have clearly Ignored my request. I sent my Identity Theft-Related Request to Equifax and they have received the identity theft report and block request with my driver 's license and Equifax does not take cases of identity theft very seriously and as not conducted a thorough investigation. However, Equifax at this time declines to block the information I have identified. This clearly in violation of my rights. If the disputed information is not blocked or otherwise deleted from my credit report file disputing the accuracy or completeness. I will take legal action!!!! I have notified XXXX and all 3 credit bureaus that I am a victim of identity theft. 
The Fair Credit Reporting Act ( FCRA ) gives me specific rights when you are, or believe that you are a victim of identity theft. 
I have the right to ask that a consumer reporting agency block that information from my file. I asked the consumer reporting agency to block the reporting of this information, and also identify the information to block, and provided the consumer reporting agency with proof of my identity and a copy of my identity theft report. The consumer reporting was provided with necessary documentation and is being non compliant **please see attachments for account and account numbers** XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Good afternoon my name is XXXX XXXX XXXX since XXXX i have worked on my credit until the date, i have tried to get loans and go get more credit and i have been declined not because me info is wrong but because the company experian collected all the info of every person and have a error with my name i have tried to solve this with then but they keep asking for the same info that i have already sent then before my name XXXX XXXX XXXX date of birth is XX/XX/XXXX And live in XXXX XXXX XXXX XXXX XXXX i never used XXXX or XXXX or XXXX or XXXX only XXXX XXXX XXXX i only have 1 social security the info of every person are located by socail security and date of birth and name they already sent them my info and they dont Fix the problem i have taken credit loans XXXX, and XXXX before on only one credit card and other credit cards i have taken loans of XXXX and these dont show i will send you photo copys of the loans and credit cards that i have canceled and of credit cards that are active

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 2019-04-21
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I XXXX XXXX MOVED OUT OF XXXX XXXX APARTMENT AND I MOVED OUT OF TOWN I SPOKE WITH PROPERTY MANAGE AND TOLD HIM WHAT I WAS DOING AND HE SAID OKAY AND I TOLD HIM TO PUT IT IN WRITING AND THE XXXX XXXX APARTMENT STILL CHARGE ME XXXX AND WE WAS NEVER LATE I TRIED TO GET ANOTHER APARTMENT AND THIS SHOULD UP ON MY CREDIT REPORT I NEED IT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT SO I CAN GET ME AND MY CHILDREN SOMEWHERE ELSE TO LIVED/ THANKS XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting 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, XXXX XXXX XXXX, and Equifax Information Services has violated FCRA 15 U.S.Code 1681 c-2, by reporting accounts that are fraudulent on my credit report. I have provided each credit reporting agency with a copy of the FTC Identity form, with the accounts that are fraudulent. They are required by law to respond with their decision to rescind the block or block the information within 4 business days. It has been more than 4 business days since, the dispute. Please delete the fraudulent accounts that are reporting under my social. Failure to remove the information will result in a lawsuit against the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: WI
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 went to XXXX XXXX on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from chexsystems A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX XXXX XXXX and Experian as well due to this identity theft I believe this is the reason I was denied to open a checking account with XXXX XXXX because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future

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 2022-10-22
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:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: CO
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 initially contacted Experian the 3rd week of XXXX to remove dispute comments from 3 accounts on my report ( these accounts have been closed for some time ). After 3 subsequent requests, they were removed. However, about the first week of XXXX, an account which is open/current and had never been disputed or had such comments, reflected negative comments/remarks when my lender ran my report. I have contacted Experian repeatedly and have been told that they don't see any comments/remarks on their end on my report. They continue to send me 'new ' reports clearly reflecting these comments/remarks. On or about XX/XX/XXXX, I spoke with the membership department for Experian and they told me that they could see the comments but didn't have access to make changes to the report. I was transferred back to the dispute department who again told me that the comments had been removed. I requested to speak to a manager and was told that one would call me. Twice. I've yet to receive a call. This lack of resolution has delayed my refinance for almost 3 months now. In my last communication with them on XXXX, I explained that the plethora of new reports indicate an investigation date of XX/XX/XXXX though I have initiated several since that time. I indicated that maybe whatever was not updating the investigation date, may also be the reason my report isn't updated when it is printed out and sent to me by them or printed by my lender. I was told for the umpteeth time " Ma'am, it's not there. I can send you another report ''. My last call to them was XXXX in regard to a report I received pursuant to my call on XX/XX/XXXX. The comments/remarks are still there. Please see the 3 most recent attached reports clearly showing the remarks/comments ( circled ), Thank you for your assistance in this matter.

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 2023-09-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I trust this letter finds you well. I am writing to discuss important matters related to my rights and privacy under the Fair Credit Reporting Act, specifically 15 USC 1681.

Section 602 ( a ) of the Fair Credit Reporting Act emphasizes the need to ensure that consumer reporting agencies, such as XXXX, Equifax and XXXX, carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I wish to assert my rights as a consumer to safeguard my private information, as reinforced by 15 USC 6801.

Under 15 USC 6801, it is the policy of Congress that financial institutions, including furnishers of information to credit agencies, have an affirmative and continuous obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information.

However, I would like to draw attention to Section 604 ( a ) ( 2 ) of 15 USC 1681, which stipulates that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. I have not provided written consent for XXXX, Equifax or XXXX, or the furnisher of information to credit agencies, to share my information and I hereby revoke any previous consent, be it verbal, non-verbal, written, implied or otherwise.

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise nondisclosure options. I was never informed of this right by the furnisher of information to credit agencies.

Additionally, 15 USC 1681 ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account constitutes adverse information being reported without my permission, which is in violation of the law.

Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states that information furnished to consumer reporting agencies must be accurate. I have reason to believe that the information being reported is inaccurate.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports for specific purposes. XXXX, Equifax and XXXX do not appear to be maintaining such reasonable procedures. 


Additionally, 12 CFR 1016.7 affirms that a consumer may exercise their right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and take the necessary actions to rectify the violations of my rights as outlined in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
Both XXXX and Experian are reporting an account on my credit report that is in violation. The account is with XXXX XXXX. I have challenged the item twice. The second attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation. 
XXXX, Experian, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item twice. The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. This month I will challenge the fact that the notice have dispute is not on the comments of the credit report. That is in violation. 
XXXX, Experian, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item twice. The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. With XXXX is was XX/XX/23 last month and today its XX/XX/23. The second attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation.

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