BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NC
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 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX 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 2020-04-26
Company: ID Analytics, 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:
This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX 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, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-15
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Asset Care LLC used took a contract to collect debt from me without my permission. I have never had an account with them. I am asking that they remove that unauthorized account from off of my credit immediately in the amount of {$25000.00}, account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

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 2019-12-10
Company: EQUIFAX, 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:
XXXX XXXX  # XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi Team,I was staying in XXXX XXXX apt in XXXX ,MI from XX/XX/XXXX till XX/XX/XXXX. Due to a family emergency i left XXXX on the month of XX/XX/XXXX. i left some stuff in my apt, where XXXX XXXX hired profession to throw them away (As per my request) and charged me a final bill of $XXXX.I came back to USA in XX/XX/XXXX, XXXX XXXX XXXX XXXX called me and requested me to pay this amount in full. when i checked my credit score it came down since it has been reported to credit bureau.I contacted XXXX XXXX, they gave me a final bill and requested me to pay it direct to XXXX XXXX XXXX XXXX. i paid the amount in full, XXXX XXXX (XXXX XXXX) removed this impact and my score were normal in the month of XX/XX/XXXX.Now a new company called National credit system collection agency from XXXX,GA is requesting me to pay the same amount in full. when i sent them all necessary information, and told them that i had paid this amount in full through XXXX XXXX XXXX XXXX. But they again bought my score down in the month XX/XX/XXXX and requested me to repay the amount only then they will remove this from credit bureau.I humbly request team to investigate and kindly provide me a solution for this. I tried to contact club meridian apt but no response and this is going on for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: DISCOVER BANK
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:
XXXX accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was in forbearance for the pandemic. The pandemic period has ended and I have been trying to work with the company on a repayment plan. They had me submit an online form. I tried to but had put wrong information in the form and had asked them to reset the online form. Instead the man submitted it with the wrong information so I was unable to complete the process. I have tried to contact them numerous times that figure out what to do to no avail. I have XXXX and can not deal with this stress. How can they expect this to be a relief program when they want you to pay a lump sum at the end. All I want to do is fix this problem so I can keep paying my home so I can live in my house. Are used US AA because theyre supposed to be for veterans and military members and they have been nothing short of horrific to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive previously file a complaint on this matter under case XXXX. 

This lender continues to provide grossly inaccurate escrow statements. After having called me and to confirm it erred in failing to pay my home owners insurance and thus resulting in a unnecessary, four times more expensive forced placed policy ... after having gone through this process with the CFPB, the bank still sent an erred escrow statement and claims its accurate, without regard to facts acquiesced in this case. 

The company sent its escrow statement after the comment period closed on this case. Now its refusing to provide an updated, accurate escrow analysis and overall account balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EdFinancial Services
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted my application to the XXXX program in XXXX via XXXX XXXX XXXX, well ahead of the loan payment restart. However, my loan servicer ( Edfinancial ) has alleged that they never received the information. As a result, I resubmitted my application directly with them on XX/XX/XXXX and they informed me of my new payment amount verbally. Moreover, they were in the midst of a system change during this period. Since then, I have been diligently reaching out to them, requesting a letter to confirm my new, lower loan payments. 
Regrettably, they have informed me that the letter can only be generated once the information is processed. Given that my home closing is scheduled for this week ( XX/XX/07 ), it is imperative that this issued gets resolved and I expressed the urgency of the matter. Despite speaking with a supervisor last week, who assured me they would expedite the process as an emergency, I have yet to receive any letter or email. If I do not receive the letter confirming the lower payments by tomorrow ( XXXX ), my home closing will be jeopardized. I urgently need an official email/letter from my education loan servicer, stating the new estimated payment amount. 
Attached below are the original correspondence I received from Federal Student Aid in XXXX, as well as the notification from Edfinancial regarding their system change and an email from Edfinancial acknowledging receipt of my XXXX application ( that they claim they didn't receive ). Thank you in advance for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: GA
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:
So I sent the document off on XX/XX/22. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.

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 2021-11-15
Company: EQUIFAX, INC.
State: CA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I received a updated copy of my credit report and noticed that there were information on my report that was missing and is not getting reported through the credit bureau. According to my transunion report, they are not reporting a car loan from XXXX XXXXXXXX XXXX for my auto loan that was opened XX/XX/2022. It is paid every month on time and not report on transunion display any car loan from XXXX XXXX XXXX of any payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On or about XXXX/XXXX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded in a meaningful way or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. Experian has violated the FCRA XXXX regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 
The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX DIVERSIFIED ADJST. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES CAP XXXX NA XXXX/XXXX/XXXX CAP XXXX NA XXXX/XXXX/XXXX COMENITY BANK/VCTRSSEC XXXX/XXXX/XXXX CONSUMER PORTFOLIO SVC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX NOWCOM/WESTLAKE FINANC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX FILINGS US BKPT CT IL XXXX XXXX/XXXX/XXXX BKPT CHPT XXXX DIS. 

COLLECTIONS RADIOLOGICAL PHYS. XXXX XXXX XXXX/XXXX/XXXX {$110.00} RADIOLOGICAL PHYS. LTD XXXX XXXX/XXXX/XXXX {$130.00}

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 2023-03-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, DPT EDXXXX : XXXX, XXXX XXXX  : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : 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 XXXXXXXX, XXXX : XXXX, XXXX, XXXX & XXXX : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry has been placed on my credit report from XXXX XXXX on XX/XX/2023. I have not authorize such inquire and I am requesting it be removed from my credit 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 explanation
Consumer complaint received 2021-11-15
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company RPM ( Receivables Performance Management , LLC ), XXXX XXXX XXXX, # XXXX, XXXX, WA XXXX has contacted me on numerous occasions, the latest being XX/XX/21, regarding a bill for {$260.00} from XXXX XXXX XXXX  that I do NOT owe. In my last letter to them, I requested a validation of the debt. They could NOT produce any document that I signed noting such a debt that I could possibly owe XXXX XXXX XXXX. Rather than acknowledging the obvious error, they continue sending me collection letters, threatening me with a negative report to the credit reporting agencies. 

Since this company can not produce proof, or any document, showing that I owe them or XXXX XXXX XXXX money should be made to stop harassing me or by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan servicing company changed. The loan originated with XXXX XXXX  and was changed to Flagstar effective XX/XX/2018. I received a notice from XXXX, who has been my homeowners insurance company, on XX/XX/2018 saying that the mortgage company did not pay. Just now on XX/XX/2018 I called Flagstar to ask if they would be including my insurance payment when I start payments. I was transferred to their insurance department and phone rep., XXXX, who stated that they did not have knowledge of my loan and that they did not know when they would have it.

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: 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: Account information incorrect

Complaint:
I request that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Bankruptcy : Bankruptcy Reference. Incorrect Name : XXXX, XXXX, XXXX, ML. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX, XXXX XXXX  XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.

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