BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX, a federally protected consumer. I am filing this complaint with the CFPB against Equifax Inc. because they have failed their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness or accuracy of an item of information on my consumer file. I sent Equifax a dispute letter on XX/XX/2022, labeled as Exhibit A, which they received on XX/XX/2022. They finished investigating my dispute which was mailed to me and I received on XX/XX/2022. The date on the Equifax report was XX/XX/2022, report/confirmation # XXXX. As stated on the report : We have reviewed your concerns and our conclusions are : COLLECTIONS THAT HAVE NOT BEEN PAID IN FULL WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated The information that they updated was Recent Balance which went from {$4000.00} to {$4000.00} as seen in the screenshots labeled Exhibit B, C.1, & C.2. I sent Equifax a follow-up letter asking for the method of verification, labeled Exhibit D, on XX/XX/2022, which was received on XX/XX/2022, labeled Exhibit E. Equifax failed to provide me with the method of verification which is stated that I can request per 15 U.S.C. 1681i ( a ) ( B ) ( 7 ) and that XXXX must provide after receiving a request from the consumer for that description no later than 15 days. It has been XXXX ( business ) days, and I still have not received any information on Equifaxs method of verification for an item on my consumer report. I have given Equifax more than the federally required 15 days to provide me with the information that I requested to see how they verified an account to make sure of its completeness and accuracy. If the disputed information, after the reinvestigation, is found to be inaccurate or incomplete or can not be verified, then Equifax must promptly delete that item of information from my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/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 explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have closed all of these accounts. They should all be listed on my credit report PAID & CLOSED.Please have this updated. 

XXXX XXXX XXXX XXXX XXXXd ( 2 different cards ) XXXX XXXX XXXX XXXX XXXX ( 2 different cards ) XXXX XXXX/ XXXXXXXX XXXX XXXX XXXXXXXX  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 2023-10-10
Company: DISCOVER BANK
State: CA
Product: Credit reporting 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:
An Unauthorized Inquiry was reported to my XXXX XXXX on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: LEXISNEXIS
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a follow up to CFPB Complaint ID : XXXX that was closed without confirming the requested information was presented by LexisNexis in their original response. 

Complaint ID number XXXX was closed based on Lexis Nexis response stating an inability to identify XXXX XXXX XXXX but LexisNexis Risk Solutions XXXX not provide the identity of the consumer the auto insurance paid their claim in excess of $ XXXX to, nor did they confirm the statement that the auto insurance XXXX denied having coverage for XXXX XXXX XXXX XXXX time the $ XXXX that claim was paid out/issued. 

In addition, Lexis Nexis provided within their letter on XX/XX/2023 for the consumer XXXX XXXX to provide " identifying '' information to them via mailing address : LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This request was honored, as a letter containing identifying information for XXXX XXXX XXXX XXXX to the above address via United States Postal Service XXXX Mail Receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. This information is attached without identifying personal information to protect consumer privacy of their personal sensitive data. 

In addition, upon learning on XX/XX/2023 that the CFPB closed Complaint ID : XXXX and reading LexisNexis response XXXX the email sent to email address XXXX on XX/XX/2023 by LexisNexis was XXXX to and included an attachment of the content within the XXXX XXXX Mail Receipt # XXXX XXXX XXXX XXXX XXXX mailed on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Self Financial Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
AN INDIVIDUAL OPENED A CREDIT CARD AND MADE SEVERAL INQUIRIES IN MY NAME USING MY SISTERS ADDRESS. THE PHYSICAL CARD WAS SENT THE CARD TO ANOTHER ADDRESS I AM NOT FAMILIAR WITH AT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not gain access to my Transunion Credit Report, I have contacted Transunion about this problem they told me there was an error code on their end and said someone will contact me within 7 days to fix the problem,, They never called me, i called back and they keep telling me the same thing 3 times even offered me a case # XXXX to no avail., they don't seem to value consumers time and needs..

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 2023-10-09
Company: Rent Recovery Solutions
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company known as XXXX XXXX has been reporting inaccurate information. The Original creditor is saying that they leased or rented me an apartment back in 2017. I have never lived in an apartment. They are saying the debt is {$2900.00}. I sent them a copy of a police report, affidavit, and a FTC claim report. They didn't respond to my request. I need the to provide me with ID that was used to rent or lease the apt or house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX is currently reporting the account thats reporting to my credit report in violation. On XX/XX/XXXX I notified the credit bureau 's that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( Equifax ). I then directly contacted the furnisher on XX/XX/XXXX to let them know about the inaccurate date of last activity which they did not delete or correct the information. On XX/XX/XXXX I then notified the credit bureau 's that the date of last payment is reporting inaccurately it ' reporting : XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( Equifax ). I also notified the furnisher directly on XX/XX/XXXX of the inaccuracy that remains on my report inaccurately reporting. I also filed a XXXX  complaint on XX/XX/XXXX which still remains unanswered. Last but not least the account is reporting conflicting activity after the account has closed how can I be paid on time and charged off at the same time? Clearly this account is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The original mortgagee, XXXX XXXX, was adjudicated incapacitated. I was appointed by the Supreme Court XXXX XXXX XXXX NY to be the Guardian of her property. I closed XXXX 's personal accounts and open Guardianship accounts. Her HELOC was automatically deducted from her personal acct. I send my Commission to Guardian to Bank of America mortgage department in early XXXX. I still do not have authority to have the payment automatically deducted from the Guardianship account and she is being charged interest and fees and is getting letters about foreclosure. 

All aforementioned accounts were at Bank of America, which accepted the commission, closed the personal accounts and opened the Guardianship account. It is only the mortgage department, which is making money on fees etc. and therefore has an interest in not accepting the papers, that is not giving me access to the account. 

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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.

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 2022-01-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX I made a complaint with CFPB on XX/XX/XXXX and this information is still on my report. The XXXX account has many inaccuracies but comes back verified and updated. It is missing payment history as well as the ND shows in one of the data files. I've been disputing this account since XXXX, I provided what the account looked like on my credit report in XXXX and the account has been updated and verified and is completely different. It shows that the source for verification is unreliable. I have asked Experian to provide me with the source of where they are verifying these accounts and they failed to do so. 

The account was allegedly open in XXXX and there are no data fields for XXXX represented on the updated and verified 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 2019-11-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern : Is my correspondence with XXXX with whom I apparently owed {$49000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, that I have repeatedly made these offers. Navient on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2019, they have not given a response. This settled the matter once and for all on XX/XX/2019. 

To date, XXXX has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I have also sent this information to Experian, XXXX  XXXX XXXX and XXXX. 
I would appreciate if you would review my documentation and obtain a statement of facts from XXXX outlining exactly why they can not produce the original instrument of indebtedness. The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.

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 2023-10-01
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My First National Bank XXXX card was lost or stolen on or about XX/XX/2023. I reported this the following day to the company & later identified XXXX transactions charged to my credit card account that I did not make. However, the company has removed only XXXX of these charges & has failed to provide me an explanation as to why the others have not been removed from my account. Moreover, the company 's fraud investigator in a letter to me dated XX/XX/XXXX concurred with me that all XXXX charges were fraudulent & stated to me over the phone that the company management had decided not to remove the other fraudulent charges from my account, The basis for this decision has not been shared with me. I do not understand why this company is trying to make me pay for these fraudulent charges.

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 monetary relief
Consumer complaint received 2022-01-17
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We canceled our phone plan in XX/XX/2021, after moving to an area where we were " guaranteed '' service and finding out our brand new hotspot and cell phone service was useless. It is evident from the bills that we had not used any data ( because we had canceled and therefore believed our account was closed ) and have all the tracking numbers to the devices that were sent back, after waiting months to receive the shipping kits to return the XXXX devices. Now neither XXXX nor IC Systems have sent us anything to notify us of the debt nor of the impending report to the credit bureaus. We only found out about the collection when it hit my credit report, and although XXXX confirms they have received the devices, IC Systems refuses to concede that the debt is faulty and not mine.

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: Armor Systems Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified via email by my credit monitoring company of 2 new collections accounts added to my credit report. I disputed the items and this company sent a response back to the credit bureau saying the account info was accurate. I have never been to a XXXX nor am I the responsible party for these bills. This is fraud and the company needs to provide documentation to prove this is my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect XXXX is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on XXXX in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
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 belongs to someone else

Complaint:
THIS AGENCY IS IN VIOLATION OF 15 U.S.C 1692G. THEY WERE TO NOTIFY ME OF THIS IN WRITING 5 DAY PRIOR, I WAS NOT. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT.

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