BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Dyck-O'Neal, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been sued for a time-barred debt from XXXX. Most importantly I do not believe I owe this debt. Plaintiff is providing minimal information for Servicer Chain of Custody for the last Servicer from XXXX. Plaintiff can not or will not provide any Servicer Chain of Custody records for the Servicers prior to XXXX. None of the Servicer paperwork references the loan number for the debt in question. I have not received information from " anyone '' since XXXX. Nor was I ever told there was payment due. Plaintiff never told me this was a time-barred debt which I believe he is required to do. Instead he replied to me in a letter stating that this debt is not affected by the Statute of Limitations. 

TAKEN FROM DEFENDANTS INITIAL DISCLOSURES. 
a ) Defendant does not believe the Promissory Note in this case is a valid debt owed to the Plaintiff. 

b ) Plaintiff is illegally suing Defendant for a Time-Barred Debt per Section 392.307 of Texas Finance Code, per Section 16.004 of Texas Civil Practice and Remedies Code, and Per Section 392.402 of Texas Finance Code. 

d ) Plaintiff either can not or will not provide the required proof that the Debt in this case is a valid debt by providing Defendant with Loan Servicer Transfer Chain of Custody documents going back to the loan ( Promissory Note ) originator being XXXX XXXX. Plaintiff has not provided Defendant any documents that references the XXXX XXXX XXXX XXXX Promissory Note MIN number, or Promissory Note Contract number proving that it is referencing the same Promissory Note being brought before this Court. 

e ) Defendant has not been contacted by " anyone '' by phone, email, certified mail, or by any other means of communication since discussing the debt with XXXX XXXX and being told " if money was owed after the sale of the Security Instrument ( home ) Defendant would receive a letter from XXXX XXXX within 21 Days ''. Since XXXX to XXXX there has been No contact of any kind, from anyone stating additional monies were due on Promissory Note in this case. This alone indicates that this is not a valid debt, as not one single Loan Servicer Requirement has been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : Experian, XXXX and 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 2022-10-20
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I received my Transunion Credit Report with the information from the XXXX XXXX XXXX XXXX being reported inaccurately. I contacted Transunion asking for the information to verified after I had received letters from XXXX XXXX XXXX on XXXX XXXX XXXX and a letter from XXXX XXXX XX/XX/XXXX. The first letter indicated the information of the account stating the account was discharged in a XXXX XXXX  bankruptcy. They also stated that the account was charged off XX/XX/XXXX. 
The letter was XXXX XXXX indicated the account was settled with a XX/XX/XXXXXXXX filing XX/XX/XXXX. They also state this was closed XX/XX/XXXX not charged off as stated by XXXX Services. XXXX XXXX states the account was sold to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXXstates they acquired the account XX/XX/XXXX. Which is a week before XXXX sold the account to XXXX XXXX XXXX! 

Also the included document was received with language crossed out.

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 2019-07-26
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:
Please know that I was not late on XXXX XXXX XXXX I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is a XXXX XXXX card with Comenity Capital Bank. I paid this card off in full on XXXX. And I was planning to shut this card down and discontinued using it for the remainder of the year. On XXXX a fee of {$2.00} was charged. Then again on XXXX ( {$2.00} ), the again on XXXX ( {$2.00} ), then again on XXXX ( {$6.00} ), then again on XXXX ( {$2.00} ), then again on XXXX ( {$14.00} ), then again on XXXX ( {$2.00} ). On XXXX I received notification of my credit score declining and saw that this card was marked delinquent. I immediately paid {$30.00}. To cover the fees. No one can answer me what the fees are for and they weren't posted until nearly a month after the balance was paid in full. This is immoral and wrong. I'm not as upset about the money as I am the decline in my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Experian Report # XXXX First of all, a customize night guard should not cost {$1100.00} with XXXX XXXX XXXX XXXX XXXX XXXX. Second, Im that rare debtor that dont like owning anyone anything, so I paid in full after each visit to XXXX XXXX XXXX XXXX 

I went to XXXX XXXX XXXX XX/XX/XXXX for the fitting and paid {$440.00}, I went back when the night was supposed to be in but wasnt on XX/XX/XXXX and paid {$390.00}. A week later the night guard finally came in and I asked the office manager, how much do I owe? She said she ran my insurance and that I overpaid and they owe me {$60.00}. 

I left my job at XXXX XX/XX/XXXX. The office manager called me in XXXX of XXXX and said that I owed {$300.00} ; I recounted my visits and she remembered me. I told her that I no longer worked at XXXX. She said shed run my XXXX XXXX and give me a call back, she never did and they still have sent my {$60.00}. Next thing I know XXXX XXXX XXXX has hired XXXX Accounts to collect the money. 

Attached is my bank statements proving payment in full. Ive sent the same documents to XXXX Accounts, XXXX XXXX XXXX and Experian ; neither of these companies have accepted my proof. 

FYI : I sent the same documentation to XXXX XXXX and XXXX and theyve removed the negative charge.

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 2023-04-12
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
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:
if these accounts are for collection and collection is by default late, by default past due, number 3 both of  them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error.. 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 2023-01-04
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified by XXXX XXXX XXXX that I had an outstanding debt with XXXX XXXX in the amount of {$940.00}. I filed a complaint the the FTC and also notified XXXX on XX/XX/XXXX. The report # with experian XXXX. I am going to file another report today with the FTC. I have been informed that another collection agency is not after me again with the same dept. This agency is I.C. System, Inc. XXXX. I am in the process of sending a copy of my completed report with the FTC to all the credit bureaus. 

The XXXXXXXX XXXX account # XXXX and the service address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at this address and have been residing at the same address for the last 19 years. I was told the account was opened on XX/XX/XXXX and closed 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 2022-01-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
{$25.00} was taken from my account on XX/XX/22. When I opened the account, I was told that I would not be charged as long my mortgage account is open with Wells Fargo.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from XXXX, XXXX, and Transunion and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.

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 2023-04-12
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:
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 non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: FL
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:
Hey hope all is well I ask the Credit Bureaus XXXX, XXXX and Equifax to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had Three accounts on my credit report being reported inaccurately I never ever opened an account with these XXXX Accounts : XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX The three accounts are being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed these accounts please and thanks. 


In accordance with the Fair Credit Reporting act XXXX Accounts, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Auto Trakk, LLC
State: KY
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 XX/XX/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to Autotrakk LLC without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
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: Account information incorrect

Complaint:
I have attached screen shots of accounts which have discrepencies and are reporting incorrectly to my bureas, per the FCRA if they are not reported correctly they need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The information on my credit report is incorrect and I have tried numerous of times to resolve the incorrect name, address, and phone number. Please Help me resolve this problem

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 2019-04-24
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2019 the agent called 4 times from 2 similar numbers. I returned the call and it came back to Phoenix XXXX. They ask for a female who is seldom at the residence and they won't give me any information as to the reason/purpose of the call. I informed them prior that multiple calls are harassment and the agent said, in fact, it is not and that he would continue. He has done exactly that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 non-monetary relief