BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NC
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 reviewed my consumer reports and noticed I had late payments on accounts that I was never late on. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these were late. 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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts and delete the following late payments from my report XXXX, Equifax and XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof should be deleted, they still remain on the bureau illegally. 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted a letter to the XXXX and TransUnion on XX/XX/22 to update this suspicious information. I think XXXX and TransUnion have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$27000.00}

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 2023-04-30
Company: Experian Information Solutions Inc.
State: PA
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, the consumer in this matter, first contacted the Credit Reporting Agency in regards to accounts listed on my consumer credit file, in an attempt to amicably handle this situation, before this goes to court. I noticed that there were multiple erroneous accounts listed, and requested that they send me the method of verification used, my written authorization giving them, the Credit Reporting Agency, to obtain or furnish any of my non public financial information. In reporting this information, the CRA failed multiple requirements of the FCRA, most notably, the requirement of maximum accuracy, and the requirement of necessary consent and permissible purpose. Without consent, the CRA has no authority to furnish any information related to the consumer, and doing so without authority is Aggravated Identity Theft.

This is my final attempt to get this information removed prior to filing a federal lawsuit, as the violation of the FCRA is a federal of law.

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 2019-04-09
Company: Dream Center Education Holdings
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
While attending the XXXX XXXX of XXXX - Online Division, I received a scholarship for the current quarter. The campus has shut down and a refund for the remaining balance has not been sent back to the foundation that issued my scholarship. Attempts to contact the school via email and phone have failed, with any contact with persons in the institution redirecting me to the closed school information page with phone numbers that do not work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
One again I have made complaint about this matter with XXXX XXXX XXXX  being clearly a fraudulent accounts with fraudulent charges attach to this account i continue to dispute this matter with Experian but they have choice to completely neglect this matter and has allow this creditor to not verify any information show any valid proof of these charges first premier bank has not shown original signed document sign by me linking me to this debt as requested and Experian is once in violation of several FCRA rights that they must uphold to the consumer. by stating they have investigated this matter .they havent received any verificationme to debt by this cred but old was never. infirst that has been full requested to be update, and I have show documentation of police report and current mail address plus vaild driver license with current address I have had for several years that any information this creditor have is completely incorrect. XXXX XXXX XXXX has not show any valid documentation of this account, Experian is and complete violation of 15 USC 1681 S-2 Plus in accordance with the fair credit reporting act conversion account # XXXX And account # XXXX and account number # XXXX has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions XXXX XXXX/ XXXX is violation 15 U.S.C.1692 g section b 15USC 1692 e Experian violation XXXX section 5 XXXX XXXX XXXX in violation. 15 U.S.C.1692 F section 1 and 2 15 USC 1692 c section a 15 U.S.C. 1692 g section 4 15USC 1681i section. 5 15 U.S.C. 1692 section D 15 U.S.C. 1692 g section C 15USC1681i section 5 15 U.S.C 1692 e XXXX XXXX  XXXX in violation 15U.S.C.1692 F section 1 and 2 15 USC 1692 c section a 15 U.S.C. 1692 g section 4 15USC 1681i section. 5 15 U.S.C. 1692 section D 15 U.S.C. 1692 g section C 15USC1681i section 5 15 U.S.C 1692 section b 15 U.S.C.1692 e

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to remove these personal information and inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than XXXX business days. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EMPLOYEE Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-11-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX CMS Carrington Mortgage forces placed insurance, for {$2000.00}. I already had insurance, l paid every year HOC in my condominium which include flood, hazards, and wind insurance, l called insurance department in their office and they mention to fixed, CMS, never intended they overcharged a row an result of an extra payment that put me behind in the loan, my credit was ruin l wrote letters, no success, finally Carrington send me to foreclosure with lawyer fees, on top, l was on XXXX XXXX. Im XXXX XXXX XXXX XXXX on my own, l paid the overcharges to lawyers fees etc. to avoid foreclosure, and wrote letters about the errors requesting moneys back, l didnt received answers about errors, l was not behind .and l paid almost 5,000 dollars to carrington , they never paid me back, or intended to resolved the negligence, In XX/XX/XXXX, Carrington started the same forceplace insurances, l wrote letters, credit ruin again XX/XX/XXXX, l continued making my payments on time they claim l was behind for the forced place insurance overcharges in scrow , XX/XX/XXXX, CMS , still continue errors, not wanting to fixed overcharges, XX/XX/XXXX l was in Disaster Area, due to Huracan in Florida , CMS really create Confusion to the loan, l had made may payments on Time, l have proved XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after huracan they overcharges and send me to foreclosure, in XX/XX/XXXX. Not allowing me to reinstate my loan due to the errors they have created. I hired A lawyer to avoid foreclosure and resolved the issue, CMS is not Cooperating to resolved their errors. Im spending 1 1/2 year to resolved situation. And paying lawyer instead of paying my loan, the money is for lawyer fees to avoid foreclosure. This is wrong doing, CMS has 2 class action suit agains them, l was not notify of any, l havent been compensated of any negligence .l founded on the internet. I will like to resolved this matter soon. Is affecting my personal life and health, CMS negligences, I will like to know what is to do next sue this company.?, l need to come back current on the mortgage and they are not resolving, since XX/XX/XXXX, CMS, has taking advantage of this loan and myself as a costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
A collection account listed with an original creditor of XXXX XXXX XXXX in the amount of {$1800.00} was added to my XXXX credit report by Portfolio Recovery Services on XX/XX/2019. The opened date of the account is listed as XX/XX/2019. I have never heard of this bank and have NEVER opened a credit card or account with them. I have not opened any new accounts in the last year. This is a fraudulent account that belongs to someone else and should be removed from my credit report immediately. I have never received any type of written communication or verbal communication from this either of these companies regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE ACCOUNT WAS CLOSED WITH XXXX XXXX AND THEY ACTUALLY OWED ME A CREDIT WHICH WAS AGREED UPON BY XXXX.THEN THEY SHOW AN OUTSTANDING BILL FOR EQUIPMENT NOT RETURNED AND EQUIPMENT WAS RETURNED AND THEY CONTINUED TO BILL FOR 2 MORE MONTHS AND THERE ALREADY NEW XXXX XXXX SERVICE THAT STARTED AY MY ADDRESS WHEN THE OTHER ONE WAS CANCELLED SO YOU CANT HAVE 2 SERVICES RUNNUING AT SAME TIME AND THEY REFUSE TO ANSER ME BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: RFNA, LP
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Self Financial Inc.
State: ME
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:
There is an account on my report that is not mine. Someone opened it in my name The account is Self Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: IN
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: JPMORGAN CHASE & CO.
State: IN
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 spoke with an representative at Chase Banking today, XX/XX/2023 concerning an email alert I received today from XXXX XXXX of a hard inquiry for credit. I informed the representative I did not apply for any account or credit line of any sort with Chase Banking and she said she will stop the application, mail me some fraudulent information and my credit report should reflect the correction with 30 days. I have placed an freeze with all three credit bureaus. I also spoke with an representative from XXXX who flagged the incident as fraudulent and directed me to this site make an identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my 4 personal credit cards and my personal checking and personal savings account. They have not closed my business checking or business credit card. Out of the blue they closed everything!! I have never been late, I make all my payments on time and I have been a great client for years. I have spent several hours with several different employees for Chase. I was at the bank in person for 3 1/2 hours today. They do not understand why everything was closed down either. The branch manager with some senior advisor on the phone discussed my account in detail and every transaction for the past four years. They do NOT know why accounts were closed and cant get answers either. Everything states Chase decided to terminate relationship with me. This decision is irrevocable and I may never established an account with Chase again. However, my business accounts are still open and functioning. My automatic payments are now being declined and chase is going to cause my credit score to drop with explanation of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been unsatisfied with the investigation result process. I have disputed with the credit bureaus with no response at from all of them. I sent out a letter XX/XX/XXXX, then XX/XX/XXXX and still have not received anything over the mail.

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 2019-04-09
Company: Experian Information Solutions Inc.
State: MO
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:
Experian and XXXX are reporting incorrectly that I am 30 to 90 plus days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-11-01
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent two dispute letter to Equifax credit bureau showing my name, address, ss #, and job information.They keep sending me this stall letter saying that were unable to locate a credit file in there database with the information I provide.I sent them everything they need for them to assist me.So, I need your help now in this situation.Please help

Company response to consumer: Closed with explanation