BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian failed to remove the Hard Inquire obtained by XXXX on XXXX/XXXX/15 and XXXX/XXXX/15 by letter submitted by XXXX XXXX XXXX XXXX on XXXX/XXXX/15 ( XXXX, XXXXXXXXXXXX in which clearly explained XXXX decision to remove XXXX hard inquires obtained from my personal financial records kept by Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 am not liable for a debt with XXXX XXXX ( XXXX XXXX XXXX, XXXX. ) reported incorrectly to my credit report. I do not have a contract with XXXX XXXX ( XXXX XXXX XXXX XXXX. ). 
They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. 
I do not have a contract with XXXX XXXX ( XXXX XXXX XXXX XXXX. ) matching these records. They did not provide me with the original contract as I requested. 
XXXX XXXX ( XXXX XXXX XXXX, XXXX. ) claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. 
I have filed a complaint with the FTC. XXXX XXXX ( XXXX XXXX XXXX  XXXX. ) is in violation according to 15 USC 1681a1 and 15 USC 1681a2. XXXX XXXX ( XXXX XXXX XXXX, XXXX. ) have caused a negative impact on my credit report due to the inaccurate information they have reported. 


Further, I am also not liable for a debt with Bank of America , N.A . reported incorrectly to my credit report. I do not have a contract with Bank of America , N.A . 
They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. 
I do not have a contract with Bank of America , N.A . matching these records. They did not provide me with the original contract as I requested. 
Bank of America , N.A . claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. 
I have filed a complaint with the FTC. Bank of America , N.A . is in violation according to 15 USC 1681a1 and 15 USC 1681a2. Bank of America , N.A . have caused a negative impact on my credit report due to the inaccurate information they have reported.

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 2023-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consider this complaint as my follow-up complaint in line with my previous complaint. This complaint is to notify you to remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block some accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... XXXX Balance : {$1200.00}

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 2023-04-18
Company: EQUIFAX, 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:
Im 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX Balance Owed : {$76.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$8600.00}, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$460.00}, XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX. XXXX, XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$430.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: ENCORE CAPITAL GROUP INC.
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: Was not notified of investigation status or results

Complaint:
This company MIDLAND CREDIT MANAGEMEN Original Creditor XXXX XXXXXXXX XXXX XXXX has continually adding illegal fees, I have already file a complaint on this account to the bureaus and to the company but they never responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: MI
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:
I have 4 accounts that have been unverified and was requested to be removed by the XXXX credit bureaus ; XXXX, XXXX, and Equifax. I have sent 2 letters asking for proof of validation with ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ) I have received no such proof! I sent letters out in XXXX, and XXXX. 

These collection accounts are also not reporting accurately. How can all XXXX bureaus be reporting the same collection, but 3 different account numbers WITH ONLY XXXX If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 found out account in credit report which does not below to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX Account # XXXX Date Opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2018-10-03
Company: I.Q. DATA INTERNATIONAL, 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: Investigation took more than 30 days

Complaint:
A debt collection company, IQ Data International failed to validate information that they have placed on my credit report in XX/XX/XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent IQ Data International a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with IQ Data International to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from IQ Data International, but they continue to increase the amount owed on my credit report monthly. 

My rights are being violated. I am a single mother of XXXX and a XXXXXXXX XXXX. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )  your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract form of any accounts that you post on my credit report. 

I am requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed below the accounts that are still on my credit report that are not my accounts, and need to be removed promptly. Under FCRA unverifiable accounts must be removed. I have NEVER had any accounts opened at XXXX XXXX. This has lowered my Credit 17 Points and this is NOT my debt. 

This was not my bill and there was no proof given that it is. I have send multiple certified letters and this still remains on my credit. Please delete this off my account if you can not verify physical records, this is affecting my credit, Account XXXX  XXXX  XXXX XXXX Ohio Not my Account/Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Credit Karma, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Account was active then it disappeared I'm now being blocked from accessing my account won't even allow me to change my password

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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:
I review a current copy of my credit report and I show inaccruate account information listed. Account Name XXXX Account number XXXX is listed as a charge off account and this account has been paid as agree and XXXX  advised this account will be deleted and still has not deleted this account due to successful payment. Please delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello My house XXXX XXXX XXXX XXXX XXXX Texas XXXX is a rental property under a VA loan. During Covid XX/XX/XXXXXXXX XXXX my tenant refused to pay rent and said since my home was protected under the Cares ACT XXXX Texas had a moritorium on evictions. 
Finallly in XX/XX/XXXX that ended. They did not pay rent for over 2 years. Any my husband is XXXX XXXX fireman and XXXX veteran. On XX/XX/XXXX he was seriouly injured in a work fire and had over XXXX XXXX through today... He was medically retired XX/XX/XXXX after 30 years and he is Veteran XXXX XXXX XXXX... I have submitted 13 modification applications and they either claim denied by investor or they never receive them. I filed a compliant with XXXX Housing authority too... I have tons of equity in the home just had it appraised for {$470000.00} and we owe with all back payments {$200000.00} We spent over {$30000.00} this year on mold remediation issue. BSI wont help us with any modification of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Kriya Capital, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
i never had any interactions with either company. my information was in a data leak, i tried to get a lawyer but it cost too much, i called the company 's multiple times only to speak to a machine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: NY
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:
Ive sent dispute letters to equifax credit bureau to investigate derogatory remarks on profile XX/XX/XXXX. They recieved dispute letters XX/XX/XXXX. They have yet to send me a status update or notification through mail. It is now 45 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023.

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 2023-04-18
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:
as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this 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 receipt. 
account details below Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$8200.00} {$0.00} {$7400.00} Credit Limit : {$8000.00} {$8000.00} {$0.00} Past Due : {$7400.00} {$7400.00} {$7400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation