BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. 
Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX  XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX 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 non-monetary relief
Consumer complaint received 2018-02-13
Company: Real Time Group, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I own an investment property and at one point obtained a second mortgage on the property which was later paid off. After the financial meltdown in 2007, mortgage holder went bankrupt. Unfortunately, since the event took place more than 10 years ago, I do not have any documentation that shows the release of the lien by the mortgage lender upon my full payment. Years later, Real Time Resolutions now demands payment on the loan which had an original principal of {$41000.00}. Real Time Resolutions " claim '' that they now own the debt but did not provide an evidence of chain of title. 

I refuse to pay twice for the same debt which is already been paid, and urge Real Time Resolutions to release the lien on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Late in the evening of XX/XX/2020 and into the early morning of XX/XX/2020, my computer was the subject of a brute force attack to gain access to my computer. Shortly before XXXX, they were successful in gaining access to my computer. They then proceeded to access my PayPal account and make two transactions in the amount of {$190.00} ( {$390.00} total ). I filed a fraud claim with PayPal which was quickly denied due to the transaction looking like a normal transaction. My typical transactions are almost always under {$100.00} and any that are over are made to major companies not individuals. On top of that the transaction was made using an address that was removed from my account a while ago. 

The transactions included an email for the " seller '' so I went ahead and emailed the address and got a response confirming that they had not initiated the transaction and had also reported it as fraud. Since then I have still been trying to get into contact with PayPal to try and get this resolved but have been unable to get a response from them in 3 days. 

I have saved the event log that details the attempts to brute force my computer ( It is apparently too large of a file to upload however ) and have the email thread of my conversation with the " seller ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have had issues with Equifax specifically not showing or reflecting updated or current information. For a long while they had my incorrect birthday, that was properly fixed and My other 2 bureaus XXXX, XXXX show all accounts properly. In total its around 10 or 11 accounts that should be reflecting on equifax report. Its only showing 3 accounts which 2 are open accounts but the other 8 or 9 have not reflected or updated on report since around mid XXXX. Please understand Most of these accounts have been open for years so they are not new accounts. It is really causing a major inconvenience and I am up for a mortgage soon so needing to get this rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
OnXX/XX/2019 I called the two companies that owned by Security Finance Companies and the companies are Continental Credit and Security Finance and both are located in XXXX, OK. I called Security Finance to make my monthly payment of {$130.00} and this company refused to take my payment. I then called the sister company of XXXX XXXX to also make my payment of {$95.00} and each of the payments for each of this companies have been paid early or right on the XXXX. of each month up until this month which is XX/XX/2019. I also contacted these companies corporate office in XXXX, SC and they also refuse to help me make payments.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. 
Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-06-20
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Act. The list of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 

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

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

15 U.S.C1681C. ( 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 if information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable abuse to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: Mr. Cooper Group Inc.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a foreign citizen and I don't have a social security number. I took a mortgage from XXXX in XXXX, where I have a company. 
Some years ago XXXX transferred my mortgage to MR.COOPER. Then started a real nightmare. The company did not aloud foreign citizens without social security number to have a web account. So it was very difficult to have an Auto Pay but after several months I got it. 
At the beginning of this year with the pandemic situation, MR COOPER offered 3 months of suspended payments and I accept it. After these three months I called to autorize the Auto Pay again. They said it was impossible to do it by phone. I am outside the country and explained that. They follow the rules and kept saying that. So I start to have problems with the payments. Every month I need to call. Sometimes they charged late fees and sent threatened letters. I kept calling trying to fix this. Last time they send me a form and ask to enclosed a voided check from my Bank. I could not do it. I am out of the country, I can travel, but they are worried with my problems. 
I can't believe the USA Government keeps a company like that working in the financial market. They should be prohibited to work with foreign citizens or to take their mortgages. In a Global Market like actually we can't accept this kind of treatment. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
1. XXXX XXXX- account closed XX/XX/2019- Paid the account in full due to some hardships the account was closed. I did pay the account as agreed and wrote letters to ask for a good will correction and response was ignored. I have reached out many times and still no answer to the pay and delete because I kept my promise to pay.

2. XXXX XXXX- Account closed XX/XX/2019 - Paid the account in full due to some hardships the account was closed. I wrote a letter to ask for a good will correction and no response. I called asked but still no response. I have reached out for a pay and delete because I kept my promise to pay.

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 2020-07-17
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. 
Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NJ
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: OH
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 am filing a compliant due to several fraudulent accounts and inaccurate addresses on my credit file. The following addresses are not my XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. I was going over my credit report and I noticed several collections accounts that I never done business with these following credit companies : 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. I have filed a complaint with FTC and CFPB.

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 2021-07-12
Company: Law Offices of Robert J. Colclough, III
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am having an issue of an ongoing nature with a collection agency reporting information on my credit report regarding a debt which was paid in full prior to being sent to collections. the debt regards a payment for rent in a condo where myself and my partner lived, in California. Prior to moving out, the debt was paid for in cash and then we were given permission to move from the property. Nothing was ever reported immediately following this transaction. Approximately 1 year after, the debt was placed into collection but we were never notified as to the legitimacy or lack thereof regarding the debt. 

I have disputed numerous times, citing FCRA compliance and requesting original paperwork from the company under the Fair Debt Collection Practices Act, which I would then use to validate such an amount being due, and then take action against the company reporting the information fraudulently. To date, no documents have been provided from these disputes, neither prior to dispute or after dispute. The company is simply stamping the dispute as meeting FCRA standards without actually meeting them, causing a hardship on myself with every new dispute. 

This is unfair and wrong and I am asking this federal agency to assist in mediation with this matter. 

The collection agency : Allied Collections, has to this date refused to reply with a response that meets FCRA guidelines, they have provided no tangible paperwork as requested, they have not communicated with myself in any manner and when i contact the reporting agencies, as to what material has been submitted to prove the debt is accurate, I am told the company has not provided any paperwork but have made the claim that it is correct. 

Also this collection has been systematically increasing in dollar amount even though it is in the hands of a debt buyer and long closed. 

This needs to be investigated and corrected. This debt is not factual as all monies owed were paid prior to vacating premises. I am asking for assistance in investigating this fraudulent collection claim in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: KS
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 a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have rights to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: FL
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:
I called Equifax to add my phone number to my personal credit file, faxed a request also and I was told it had been taken care of and as of today it is still not listed. I believe this is not a hard task

Company response to consumer: Closed with explanation