BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-08
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit file it has to my attention that Accelerated Financial has inserted a negative mark into my credit file. I am a victim of identity theft. I recently learned that my personal information was used to open an account at Accelerated Financial. Idid not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that I have never even heard of Accelerated Financial company or even received any communication regarding this alleged debt. I was not even given my right to dispute the validity of this account. I was never even aware that this account was open. Remove this from credit file immediately or I will be forced to sue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a random letter in the mail from " Professional Claims Bureau '' claiming I still owed {$47.00} to XXXX XXXX XXXX XXXX from a doctors appointment back in XXXX of 2019. This is false, there was no balance owed and I have a current balance of {$0.00} which is confirmed via their online billing site ( screenshots attached ).

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 2021-11-03
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: Their investigation did not fix an error on your report

Complaint:
I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency results on XX/XX/21, stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete these items, as originally requested : XXXX XXXX, U S DEPT OF EDXXXX XXXX , and U S DEPT OF EDXXXX 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 2023-05-17
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
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:
cra violation inaccurate information sent to ftc XXXX breach po report sent to all bureaus

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 2017-12-14
Company: Eastern Account Systems of Connecticut, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, In XXXX of XXXX my identity was stolen and used to start and open an account with XXXX internet an T.V. services for monthly high speed internet in the XXXX Missouri area. I believe the internet service charge was for roughly {$30.00} dollars a month. from what I understand, the Internet Installer Technician went to the thieves home/apartment around the end of XXXX XXXX, installed the internet service from XXXX, and then left, without asking to see an I.D . to verify my Identity, or some kind of proof of a new customer account. 
And he also did not get a credit/debit card from the customer, or any kind of payment at all. and apparently all they needed was my name and information and thats all it took to create this internet account. 
I was living in XXXX Missouri from XXXX XXXX until the end of XXXX XXXX doing out of state work with my construction company, but aside from that I have no connection to Missouri or XXXX internet services. 
I did not find out until several months later that all of this had happened under my information. I found out because I received a call around XXXX XXXX from a credit collection company saying I owed them {$140.00}. I informed him that it was not me that had started that account and that someone must have stolen my identity to do it. He said there was nothing he, or XXXX, could do and that I was responsible for the balance of {$140.00}. Ive never dealt with Identity theft, or been delinquent on any payments in my life, so I told him I 'm not going to pay the {$140.00} because it was n't me. and that if XXXX has a problem with that they can call me. 
I never received and calls from XXXX. however, I started to receive more then 8 calls a day from creditors demanding that I owed them {$140.00} in fees and charges. It was out of control. I kept telling them that it was n't me, and i had no idea until now, that you could actually dispute the charges. I also asked repeatedly to be put on the DNC, or Do Not Call list, and still i kept receiving phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: U.S. BANCORP
State: MD
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 discovered an unpaid account on my credit report that I never opened or used. US Bank is reporting an amount of {$7200.00} on an account supposedly opened and closed in 2014, that US Bank reports was never paid, and that US Bank eventually charged off, causing irreparable damage to my credit report. 

I never opened this account nor incurred this debt. This is a fraudulent account that is adversely affecting my credit score. I have called the company, US Bank, to get more information about the account, and the representative refused to provide any information or assist with resolving this attempted theft because I could not verify the identity of the criminal who opened the account. I contacted each of the three credit bureaus to report this fraud and the credit reporting industry 's culpability in such crimes. Two weeks later, the three credit agencies ' putative investigations were concluded, parroting the furnishing company 's falsehood with an unchanged score, lacking any documentation or notation of dispute or fraud whatsoever, and the phrase " results unspecified. '' The result of this disgusting crime is that my credit score is depressed while these companies get away with perpetuating negligent falsehoods at the expense of my rights and in violation of federal law. 

I am a veteran of two wars with over XXXX XXXX XXXX service to the military. I observe the laws of the land and pay my debts. In return for my service, I am apparently fair game for US Bank to casually extend credit to criminals in my name, then level fraudulent, unchallenged slights against me, harming my reputation and my ability to buy a home.

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 2023-05-17
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Issue is with mr cooper mortgage They gave me a loan modification trial back in XXXX of 2021 payment was XXXX I thought it was XXXX ipaid the first month and second the XXXX dollars then told i was in default because of the 5.11 short I called numerous times becauseI never or my attorney in case never received the actual documents for the amount requested I offered to pay the difference once i knew I was off the 5.11 They would not accept this They have since refused to help I have called for a supervisor many times without any response I feel during the height of the covid the paperwork wasnt transmitted properly and no customer servcie to help me I do not want to lose my house because of 5.11

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
The issue is much more related to my ability to reach Experian for clarity on my credit report. I have spent two days trying to reach some, was hung up once and as of today I have been on the phone for a 1 hour and a half on hold. The first person who I reached the 55-minute mark, was in the XXXX and was not aware of the Senate Bill S.2592. It appears Experian is just interested in selling their membership and if you do not have one they connect you with someone in another country that is not familiar with United States 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 2020-09-25
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:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B,  15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was at XXXX XXXX XXXX today XX/XX/2020 because I was trying to refinance my car but I was told that I would not be able to do so because there were accounts in negative standing appearing on my credit. I had no idea what they were talking about until I looked at my credit report and saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts nor did I ever allow anyone to open them in my name. I did not benefit anything fro these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I do not have any contract or agreement with any of these companies and I never allowed them to run my credit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My college loan should be a smaller amount because when I was going to college it was going through Sallie Mae and Sallie Mae had a class action lawsuit which overcharged us so I should have a smaller amount or no amount as far as college loans go

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you 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, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$170.00XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX  XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021

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 2023-05-18
Company: EQUIFAX, INC.
State: VA
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well

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 2020-07-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management , Inc. is threaten to sue be for a debt they have not verified. Their correspondence is dated XXXX, 2020 and I received it by XXXX XXXX on Monday, XXXX XXXX. Fraud using dates that make it appear they sent nofication before consumer actually received. Their letter states to call no later thank XX/XX/2020 when letter was received XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: MD
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:
To whom it may concern I have 14 unauthorized inquiries on my equifax credit report. I have contacted these creditors and I was told to contact equifax to have them removed. I have sent letters and called and they still haven't removed these inquiries. I am demanding that equifax remove these inquiries from my report immediately within upon receiving this letter. I did not authorize any of these inquiries. I have attached the report. 

1. Equifax Mortgage Ser XX/XX/XXXX 2. Equifax Mortgage Ser XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7XXXX  XXXX XX/XX/XXXX 8.  XXXX XXXX  XXXX XX/XX/XXXX 9. XXXX XXXX XXXXXXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation