BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: TN
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:
According to my credit report, my account with XXXX XXXX shows no activity in the second half of XXXX and the suddenly in XX/XX/XXXX it shows a 30 day Delq mark. It also reflects my payment status as " Current '' in XXXX and XX/XX/XXXX. 

This information in inaccurate. I disputed this with XXXX XXXX directly and they confirmed that my account did not reflect a balance or payment due between XX/XX/XXXX and XX/XX/XXXX. They also sent me a itemized transaction history of my account that reflects this. 

I disputed the information on my report directly with both XXXX  and Equifax originally as my credit limit was not accurate and also disputed the inaccurate payment history. I provided a response from both agencies that the information was verified as accurately reporting. 

I contacted XXXX XXXX back and was advised they never received any disputes from XXXX  or Equifax and again advised me.of my payment history. 

These two delq marks are causing me difficulty in obtaining preapproval status for a mortgage. I have exhausted all attempts to resolve this issue directly. Attached to my complaint is the documentation sent to me by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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 got a free copy of my credit reports through XXXX XXXX XXXX today XX/XX/21 because I am planning on refinancing my car later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a certified letter which was delivered on XX/XX/2020 asking for proof of investigation. To date, I have not received any communication from this credit bureau. I have asked them to investigate this creditor and they verified the information as accurate. Since this is the case, I am puzzled as to why they can not provide proof regarding my inquiry. In the letter, I attached all of my identifying information including a copy of my passport, social security card and a utility bill. This creditor has ignored my letters before, which is why I provided so many forms of identifying information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago I contacted Commonwealth Financial requesting validation of two debts they stated I owed. I received a copy of an itemized statement in which did not have anything bearing my signature. I advised them that an itemized statement does not constitute validation of the debt and they have refused to remove the two erroneous items they are reporting on my credit. It is my understanding from recent research of my consumer and civil rights to have ONLY PHYSICALLY PROVEN TO BE METRO 2 COMPLIANT information reported. I am enacting my right to declare a compliance challenge versus these allegations yet demonstrated to be fully TRUE, CORRECT, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY, or else wise METRO 2 compliant. Federal laws dictate that Commonwealth Financial is unauthorized to retain or report any chicanery or injurious subterfuge such as allegations that are deficient of PHYSICAL PROOF. My demand is immediate annulment by full and permanent deletion of the two erroneous accounts from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: PA
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 checked my credit report and a new delinquency showed up from XXXX in the last few months. NO DATA existed before regarding payments for this account. The account was opened in XXXX when I was XXXX XXXX XXXX. I contacted XXXX and they referred me to their collection agency but would give me no information aside from claiming it was legitimate and " out of their hands ''. I contacted the collection agency and they said since it was a small debt I should just pay it and wait for it to fall off my report which I refuse to do because it is not my account and I was XXXX XXXX XXXX when it was opened so I couldn't legally do it anyway. I disputed with Experian ( it does not show up on any other credit bureaus monitoring ) and they claimed it was 100 % legitimate. I uploaded my license, birth certificate and passport and asked them to provide a contract showing I signed for this account which they said is not required by XXXX to submit negative information. I want this fraudulent account ( that appeared out of nowhere ) off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2018-07-24
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: Personal information incorrect

Complaint:
I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current employer is : XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted Credit Karma on XXXX about someone creating a fraudulent account with the email XXXX and using it to access my personal information. The case number was XXXX. I provided documentation to verify my identity and on XXXX the account you XXXX was deleted and an account with my current email address XXXX was created. On XXXX i lost access again to the credit Karma account and sent them another email and I never got a response and havent had access since. On XXXX, i received an XXXX  report that detailed all my hard and soft inquiries and i noticed someone did an inquiry on XXXX, XXXX, and XXXX. At that point i tried to access credit karma again and it showed their was an account created with a similar email address XXXX. Its similar to my real email address but it spells my middle name with 1 XXXX  instead of 2 XXXX 's. Im thinking when whoever tried to access the fraudulent XXXX account and seen it was disabled. They used the lookup tool and entered my personal information and it tells you what email address is associated with the Name and social provided. Which is the same way I found out the email address associated with the fraudulent account. I contacted credit karma and they told me I probably mistakenly set up an account with the wrong email address. Fortunately I have all the emails from the XXXX case and it shows what email i used to set up the account. The person whos accessing my personal information is dangerous to me and my family and thru my report they can get my addresses, mortgage information, income, who i bank with. All the information necessary to do irrepairable damage to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: IN
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 am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the previous complaint on National Credit Systems, they claim to have spoken to me in XXXX ( on a recorded line ). In this conversation I told whom ever I spoke with that this debt was inaccurate and incorrect. I do not owe this debt. They have not provided any information as to the origin of the debt and why it is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have hit financial hardship and have emailed this company multiple times for help. I am hard of hearing and they dont provide anything other than their number. I found an email and they have gone ignored. I am requesting assistance but instead my XXXX XXXX has been hit with derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I keep getting rejected for insurance and credit cards because they are reporting unverified items and now they are refusing to verify anything and keep saying they can not find my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: YSA ARM LLC DBA Oxygen XL
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not house a " Merchant '' Account with XXXX XXXX XXXX. Oxygen Recovery Group is stating I owe a debt on behalf of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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:
XXXX. XXXX XXXX Balance amount is inconsistent with other credit agency. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I feel that I am being ignored in my requests to have outdated information removed from my credit report and I am taken aback by this unprofessionalism. After I wrote Transunion a dispute letter in XX/XX/XXXX to their offices in Pennsylvania I later sent a dispute via this secure website, please see dispute 's # XXXX and XXXX. I felt as though their responses were very generic and that was frustrating for me. I was told in both emails that they would get back to me and they have not. I can not imagine how the disputes were closed without any valid information in it and another was marked as a duplicate. Who is allowing them to get away with this? Is this a legal and proper response? The accounts still have no remarks of disputes and the status ' have not changed since XX/XX/2012, that tells me no investigation or confirmation of information was obtained. I was forced to provide my feedback both times discussing how Transunion handled my disputes and I remarked that they did not address my issues or conduct and investigation 's with the companies or included inscriptions and procedures. Which is why my 2 feedbacks mentioned that this agency did not do what they said they would and I also gave my feedback that I do not understand their response or their results because I see no change.

I am referencing XXXX/XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: 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: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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:
Hi, I am a bit concerned about account I have in my credit report. The point is that this account is not mine and I do not recognize this transactions and only two bureaus reporting this error. I am kindly asking you to remove it once and forever. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-01-28
Company: Experian Information Solutions 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:
This is a formal complaint made by me XXXX XXXX not by anyone else. I used the guidelines set by the ftc. So i sent in a file to the credit reporting agencies and they completely disregarded my disputes and did nothing or even respond

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 2020-11-03
Company: EQUIFAX, INC.
State: IL
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 unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
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: Account information incorrect

Complaint:
XXXX XXXX is reporting a inaccurate last payment for a charged off account it stating my last payment was XX/XX/2018 but the correct last payment date is XX/XX/2018 Please verify and delete all inaccurate accounts

Company response to consumer: Closed with explanation