BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: ENCORE CAPITAL GROUP 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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX**** This is not mine. 

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
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: Their investigation did not fix an error on your report

Complaint:
Equifax Credit Reporting Bureau shows a regular ( also known as " hard '' ) inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Phone : ( XXXX ) XXXX dated XX/XX/2019. I have NOT applied for credit with XXXX XXXX XXXX or, in fact any other creditor, in XX/XX/XXXX ... XXXX XXXX XXXX placed a hard inquiry on my XXXX report on XX/XX/2019 and then another one my Equifax credit report on XX/XX/2019 acting inappropriately, if not maliciously. On XX/XX/2019, I filed a dispute with Equifax of the above-mentioned inquiry stating that I did not authorize it. On XX/XX/2019 I received the following response : ================= The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Phone : ( XXXX ) XXXX ================= The above response is unacceptable for three reasons : ( 1 ) I  already stated in submitting my dispute that I believe the inquiry is not authorized, so for Equifax to include " If you believe this was unauthorized, ... '' in their response means that they did not read my submission and took no investigative action on it. 
( 2 ) With the above response, Equifax sends the victim to the perpetrator and not taking any action of their own to keep credit report accurate as is their duty ( 3 ) Equifax calls this " Reinvestigation '' as if there had been a prior investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: VA
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:
Equifax ; XXXX and XXXX  should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! 


I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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: Account information incorrect

Complaint:
I received a letter from XXXX XXXX after their investigation on my account they said the account was forgiven and the account would be removed from my report. 

Nothing has been removed so im sending you the letter they sent 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 2021-02-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from XXXX XXXX after their investigation on my account they said the account was forgiven and the account would be removed from my report. 

Nothing has been removed so im sending you the letter they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IVE TRIED TO DISPUTE ITEMS ON CREDIT REPORT BUT NO RESPONSE.

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 2019-04-28
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:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX  {$5600.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern : This complaint is due to the unauthorized inquires on my Experian report and a XXXX account that is still showing when it has already been removed from my XXXX   account. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX. It would be greatly appreciated if these inquiries be removed from my Experian report as soon as possible along with the XXXX XXXX account ( proof of deletion attached ). Also, the account XXXX/XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX/XXXX account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Experian be able to properly verify something that they no longer own. The last account that was not properly verified was a collection account under the name XXXX XXXX that keeps getting listed as 'Verified as Accurate '' but never providing physical proof of this debt.

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 2018-03-19
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:
Beginning in XX/XX/XXXX I disputed a tradeline furnished by XXXX Mortgage with Equifax. I disputed it three times with Equifax - I never did any business with XXXX Mortgage and communicated that to Equifax. 

Instead Equifax reported to me that the information had been verified. On XX/XX/XXXX Equifax told me that paid as agreed accounts will automatically be deleted 10 years from the date of last activity. The information I was disputing had a date of last activity of XX/XX/XXXX and the status showed as paid as agreed. 

On XX/XX/XXXX I received a XXXX Credit Report form Equifax and the disputed information is still being reported with a DLA of XX/XX/XXXX and a status of paid as agreed. 

Equifax continues to provide consumer reports about me containing this inaccurate, incomplete, and unverifiable information when it should have been deleted no later than XX/XX/XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
USCB America is attempting to collect a debt owed to XXXX XXXX. 

I settled the debt directly with XXXX XXXX on XX/XX/2020 for {$120.00}. However, USCB America claims that the debt has not peen paid and is attempting to collect for an increased amount of {$220.00}. 

They have attempted to collect this already-paid debt by mail and by phone. The latest phone call was on XX/XX/2020. 

Please see attached XXXX XXXX receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, The reason for this letter it to dispute an unauthorized collection on my credit report. On XX/XX/2021 I retrieved a copy of my credit report and discovered a collection account with XXXX XXXX XXXX Credit card that I have no knowledge of. 

I have reached out to XXXX XXXX several times and have gotten no where. I advised them that this was not my debt and to removed this debt from my profile. 


Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Halsted Financial Services, LLC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the number listed on the text message sent to me and they didnt have the correct amount I owed on that credit card. They were rushed and didnt sound professional at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Amsher Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AMSHER COLLECTION SERV Has been harassing me over a debt that I have no knowledge of and for which they have no Contract with me for. I have desputed this through the XXXX  reporting agencies but proof has not been given and they are still calling insesently and negatively reporting to the bureaus. AMSHER COLLECTION SERV must produce proof ( A signed Contract between Myself and their organization ) or desist from any reporting or attempt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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:
I have been monitoring and trying to remedy the affects of ID theft and recent data breach by XXXX and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. Experian and XXXX refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as Experian, XXXX and XXXX continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..

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 2019-04-28
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX WOULD LIKE TO HAVE XXXX XXXX REMOVED BECAUSE I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND WOULD LIKE THIS TO BE REMOVED IMMEDIATELY I DONT EVEN KNOW THIS BANK AND NEVER BANKED WITH THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX AND I HAVE BEEN COMPLAINNING ABOUT SPEEDY CASH BECAUSE ITS THE WRONG PRICE AND I NEED THEM TO REMOVE IMMEDIATELY AND THIS IS NOT THE RIGHT PRICE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Southern Credit Recovery, Inc.
State: LA
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:
Southern Credit Recovery , INC reported a collection account on my credit report on XX/XX/2020, had no knowledge of the debt that was reported. Received a letter in the mail from Southern Credit Recovery dated XX/XX/2020. The collection was improperly and prematurely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
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: Public record information inaccurate

Complaint:
I disputed Tax Liens with XXXX and Equifax that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone placed a credit freeze on my Experian credit monitoring account unbeknowst to me someone in the medical legal field decided to call in this freeze and wreck my credit. It took me several years to figure it out since my phone number had changed also. These professionals were retalitory since I had turned them in for workers comp fraud. 

To no avail and XXXX withheld benefits from my claim when my attorney XXXX XXXX and his case manager XXXX XXXX XXXX began to character defame me- as well as XXXX XXXX ( also a XXXX ) who listed my main injury XXXX XXXX XXXX and XXXX as the XXXX XXXX to protect my XXXX XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX who wrote fraudulent reports as did XXXX XXXX DC. Both owners in XXXX XXXX XXXX gee a conflict of interest! Dirty play- yes indeed! 

My turn down for credit was high since no one could contact me at the new number. These people at XXXX who run my life are not honest and are dangerous. XXXX XXXX XXXX does need proof and that's a real life testament to XXXX XXXX corruption!!! And a XXXX community that hurts others for their esteemed XXXX XXXX XXXX. 

Now there are only so many people who have all my private infornmation and would retaliate and lie- XXXX  XXXX XXXX XXXX and XXXX XXXX my attorney. either way Experian needs to make ure the actual customer is placing freezes and not as in my case someone else!

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 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX   XX/XX/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 2017-11-27
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested that credit over two years old be deleted and that accounts in good standing be updated to show an older history of accounts from auto loans and credit history with the XXXX XXXX XXXX XXXX be updated. A recent response to a credit increase from XXXX XXXX listed among factors or denial were! ) Length of time accounts have been establish and 2 ) Too many inquiries in the past 12 months, All were based on information reported by Experian. 

I am submitting this request to CFPB because my effort to obtain the desired result in a letter I sent to Experian on XX/XX/2017 seems to have been ignored. I have not received a written response and these items have continued to adversely effect my credit history and credit score.

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 2020-12-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I bank with Fifth Third and have over {$10000.00} in cash in the account. I also have a credit card of {$8500.00} which I obtained last XX/XX/2019. 
I have never missed a payment and paid off the card! I have stellar credit. This is by far the worst bank. Incompetent. Six weeks to pay a balance transfer and they take no responsibility for there incompetence. Horrible. I could not even make a {$40.00} purchase and I have over {$100000.00} in credit! I am closing my bank account and I can not even get my cash out of my own bank account due to bank being closed. There customer service is horrible. Overseas people that can not speak English! No response by executives XXXX XXXX or XXXX XXXX as to explain why my credit line was reduced by no fault of my own!!!! This is incompetent and unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no knowledge of original debt now hav I been contact by original office saying I owed any amount, all my medical should be covered by my insurance, so I have no idea how I should even owe this, ARS Showed up on my credit report with no attempt to contact me saying I owe this money, I believe my medical information was sold with out my permission and ARS is attempting to collect money fraudulently, which seems to be a common complaint about this company, I have never sign any contracts with ARS saying I would pay them any money, and as per HIPPA my rights have been violated by ars

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