BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: Southern Oregon Credit Service, Inc.
State: OR
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:
Southern Oregon Credit Service is still reporting this faulty and horrendous item on my XXXX credit report. Previously, I sent a written document on XX/XX/2019 and XX/XX/2019 requesting proper validation of this debt from Southern Oregon Credit Service with no response. I then followed up again on XX/XX/2019 with another letter letting Southern Oregon Credit Service know that they are in violation of the FDCPA due to not responding within 30 days, and then I received a response with a random explanation of charges Southern Oregon Credit Service claims that I owe, as well as an address that is not mine. I do not see how this is possible, because XXXX was unable to properly validate this debt, which resulted in TransUnion deleting the erroneous item on XX/XX/2019. I have sent each document via USPS Certified Mail and I have maintained accurate records without error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed a year lease with my girlfriend in XX/XX/XXXX to XX/XX/XXXX. Once we reached the end of the lease, I decided to move. She decided to stay in the home and signed a renewal directly with the property company. I never signed the document as I moved out ; however, the property management company allowed her to live there and sign just her name. She later broke the lease and XXXX XXXX now known as XXXX XXXX XXXX sent it to a collections agency and placed a negative mark on my credit requesting {$4500.00}. I've disputed this with XXXX  in XX/XX/XXXX, the collections agency ( Southwest Recovery ) in XX/XX/XXXX, and now recently directly with the property management company XX/XX/XXXX and XX/XX/XXXX. This was clearly a bad business practice that their account manager, XXXX XXXX admits. She said the policy was changed as a result of many of these types of mishaps and they now require both signatures. According to Sec 94.053 both tenant and landlord must sign the lease and in Sec 94.055 it states if you they don't receive any communication from the tenant, then the renewal could be modified if the tenant remains on the property. Their renewal even states that the renewal must be signed by the tenant. If I was the tenant, then why was I not required to sign it? The Texas Property code doesnt say the property management has the right to renew a lease without the signature of the tenant but it does allow you to modify the renewal ( change rent, etc. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Zarzaur and Schwartz, PC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX Zarzaur & Schwartz, P.C. reported a debt to my credit score. On XX/XX/XXXX they contacted me by mail. By doing so they committed Aggravated Identity Theft because I do not know them and it is illegal in the United States to collect without a contract. I originally owed XXXXXXXX XXXX, but now ZarZaur & Schwartz, P.C. who Ive never contracted with has my personal information and is now trying to collect on a defaulted security. They are attempting to extort me and commit theft by deception by ruining my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity of this, and any alleged debts until Zarzaur & Schwartz, P.C. can provide me with sufficient documentary evidence that I have legal obligation to pay them. If this documentary evidence can not be produced and Zarzaur & Schwartz, P.C continue its collection efforts, I will file for litigation for actual damages caused and Zarzaur & Schwartz, P.C. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX, The credit bureaus stated that XXXX XXXX XXXX XXXXXXXX, was verified and properly investigated but how is that possible if the status is inaccurate, date last reported is inaccurate, opened date is inaccurate and the date last payment is not accurate.This is grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 604 A Sec 2 : The Law clearly states that a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish anything on my account And according to 15 U.S. Code 1681e - Compliance procedures. No consumer reporting agency may furnish a consumer report to any person.

Also according to 15 U.S. Code 1681e ( b ) Accuracy of report procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These are clear violation 15 U.S. Code 1681i ( 5 ( A ) - can not be verified, the consumer reporting agency shall 15 U.S. Code 1681i ( 5 ( A ) ( i ) -promptly delete that item of information from the file of the consumer

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
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:
On XXXX, XXXX, 2023, I sent out a dispute letter about inaccurate information about myself. There are collections that are open and also showing past due of a balance of {$3700.00}. I understand that this is a violation and I wanted to reach out to them about this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
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:
I was checking my credit report and. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The inaccurate and outdated XXXX XXXX XXXX information below listed below was reported on my account. Its not new, its not an installment its was a civil court ordered financial acknowledged by me to pay the care giver of my child not a result of credit, it was not recently reported as listed the credit bureau made an update by finally listing the decade old case from open to close. The payments werent monthly. It closed a few years before the date listed. 
Account Status XXXX Account Type XXXX  Date Reported XX/XX/XXXX Terms Frequency XXXX Date Closed XX/XX/XXXX XXXX XXXX XXXX is is over XXXX XXXX XXXX. Clearly outdated and the below information was reported inaccurately as it relates to date reported conflicts with the last activity date, well over XXXX and XXXX years ago. Yet the credit bureau rather than delete the account, continually make updates stating information was verified without documentation of proof m. Also noted on my credit report it reads pays as agreed with a {$0.00} balance simultaneously reports sold/transfer? This has been this way on my report for years. The only recent change after I made numerous calls and electronic requests, the credit bureau closed the account but recto delete it. Its negatively effects my score history for years, high APR, loan rejection, employers haps pulled my report. Therefore my payment history and Fico Scores keep suffering. This violates my rights under the FCRA. 

Date Reported XX/XX/XXXX Balance {$0.00} Date of Last Activity XX/XX/XXXX Activity Designator XXXX Account Status XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. 
XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$20000.00}

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 non-monetary relief
Consumer complaint received 2020-03-03
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:
On XXXX XXXX, I disputed a public record on my Equifax credit report via their online service. On XX/XX/2020, I received results via their online service stating that the public record had been updated. I noted that in their response, the updated information for the public record stated a file date of XX/XX/2020. I then called them on XX/XX/2020 and spoke with XXXX then her supervisor XXXX advising them that I did not file for bankruptcy on XX/XX/2020, that I was not a resident of XXXX, and that I did not even live in the state of California. I also advised them that this must be some kind of mistake as I already had a fraud alert on my account and that I was a victim in their data breach, and because of this Id also frozen my XXXX XXXX profile to protect my information. I then asked how was the public record verified. The rep told me that they verified that I filed for bankruptcy on XX/XX/2020 with the XXXX court, so I then asked what is the name of the person they spoke too. She then said they used a third party vendor who also verified their information directly with the court in XXXX, CA, but she would not give me the name of the 3rd party vendor. The rep then forwarded me to their mix department and I began speaking with XXXX. I advised him of all of the above and he stated that he could open another dispute to have the inaccurate Public Record deleted off of my credit profile which would take bout 30 days. On XX/XX/2020, I logged into Equifaxs website and noted that the Public Record was still present on my, but they changed the  dates. The entry on my credit profile also states that it was verified via XXXX XXXX. I have included attachments of written correspondence from Equifax, as well as proof from their 3rd party vendor I received that my profile is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a consolidation of all three of my daughter 's student loans. Wells Fargo chose unilaterally to not do so and only consolidated two of the three. I have tried to fix this with Wells Fargo representatives multiple times with no success. Now, nobody at Wells Fargo is returning my phone messages and they say they will not reply to emails. There is something broken in the process at Wells Fargo. -*XXXX *XXXX XXXX ID is XXXX Date of a recent notice from Wells Fargo is XX/XX/2020 *Please remove my name and application ID prior to publishing this description Thank you, 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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX is a third party vendor whom before XX/XX/2018 was associated with reporting to Transunion bankruptcies on credit reports. I am not a customer or consumer of XXXX and do not wish to be contacted via email or disclose my personal information to them, I have no association with XXXX and they do not have the right to have my personal information social security number, etc. XXXX is reporting false information to Transunion which is against the Fair Credit Act. XXXX and Transunion dismissed their professional relationship on XX/XX/2018. My identity is verified through Transunion whom is a credit agency with the Credit Bureau. Transunion needs to delete the bankruptcy off of my credit 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 non-monetary relief
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.

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 2018-02-12
Company: EQUIFAX, INC.
State: NC
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: Other problem getting your report or credit score

Complaint:
Hi, In mid XX/XX/2017, my wife and I initiated credit freezes with all three credit agencies. I received a PIN from Equifax to be able to unlock the freeze, my wife did not. In mid XXXX, we both wanted to temporarily lift the freezes for a credit check. My PIN would not work, although the CSR was able to lift the freeze. My waif was unable to lift her freeze without a PIN and so requested a new PIN. This new PIN was never received and so I emailed Equifax via their company portal to get an update on status of the newly requested PIN which never arrived. I haven't received a response. My wife spent 45 minutes today on the phone with Equifax and the issue is still not resolved. This is unacceptable to have our personal information held XXXX by a third party we never gave permission to and have no contractual obligation to. Equifax were unable to keep out personal data safe from hackers and now appear unable to release our credit file to lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I submitted a request for a credit line increase and was denied credit based on information contented and/or reported by the credit bureau agency 's. Capital One reported the base for my ineligibility is a composite of information obtained from my credit file. 

I have previously made an attempt to collect the following information from Capital One regarding the specific reason for my denial and response for ineligible and requested they provide me with the source of the information so that I may review the information contained in my files. 

I believe the denial is based on discriminatory reasons and further request which federal agency to file a complaint with based on this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
1.In accordance with the Fair Credit Reporting Act Convergent Account # XXXX ( XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act Convergent Account name, XXXX XXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX  ( has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2022-02-25
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: Account information incorrect

Complaint:
Account paid off / forgiven and does not reflect on credit report. The accounts to be reflected are as follows ; 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 non-monetary relief
Consumer complaint received 2018-07-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me XXXX XXXX XXXX XXXX, XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... 

https : //www.consumerfinance.govXXXX???? they are notorious for these abuses.You all know already. 


the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too?

I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.

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 2022-02-25
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to tell zelle that my brother used my account to try to buy a XXXX without my approval and got scammed and i tried to contact then and they said they couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have reached out to Equifax on XXXX separate occasions to remove and delete an inaccurate account that is reporting on my credit report. Both times their investigation results have come back as " verified as accurate '' for the account with XXXX XXXX XXXX XXXX acct # XXXX for {$3800.00}. They have never confirmed where this information has been verified as accurate. When reviewing the XXXX other reporting agencies ( XXXX and XXXX ), they have the same account listed with a late payment, however none of those dates match. XXXX has it listed as the late payment in XX/XX/2018. XXXX has it listed as late in XX/XX/2018. I have attached those reporting agency results below as well. Because they have not furnished accurate information, I have requested this account be removed. They have failed to do so. As a result, my credit score is impacted negatively.

Company response to consumer: Closed with explanation