BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: KY
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:
My car was stolen containing my ID and social security card on XX/XX/2023. Since then I have placed a fraud alert on all 3 credit bureaus. I provided a police report # which is XXXX and a Federal trade commission identity theft # which is XXXX. I had a lot of fraudulent inquiries and even a credit card account fraudulently opened. I have disputed all of this my problem is the credit bureaus have been refusing to remove them saying the inquiries were somehow verified. I have not applied for anything since XX/XX/2023 This is a ongoing situation that I have to keep going thru because whoever has my information keeps on applying for credit so as I check my reports and see them then I dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, over 30 days ago I sent you letters but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.

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 2022-10-18
Company: Experian Information Solutions 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:
I am a real person Im a living human being I have a right under 15 US 1681 XXXX XXXX XXXX and Experian is govern by 15 USC 1681 and they violated my rights numerous of times I demand the counselors to be allowed to be removed from my Derogatory marks XXXX XXXX California XXXX check cashing XXXX XXXX according to 15 168 I have the right to privacy I did not give Written permission to furnish these accounts

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 2023-02-21
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I went to the car dealership and I had my credit ran more times than I agreed to. Here are the companies that I did not authorize the dealership to run my credit with 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 2020-01-24
Company: EQUIFAX, 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:
I was a victim of storm Sandy in NY in XXXX. Unfortunately that was followed by numerous incidents including but not limited to Home Invasion, Grand Larceny, Burglary followed by ( what I didn't know at the time ) Identity theft. 
I had numerous records and accounts that are associated with identity theft. Said account where opened without my permission and authority and I had no knowledge that these accounts ever existed until I started receiving notices of missed payments and my credit report reflected these negative account ( s ).

Police report was filed and submitted to all Credit reporting companies, however, no actions were taken by any of them in order to remove said derogatory information off my Credit Report. 
Furthermore, my Bankruptcy that was filed due to a lengthy and hideous divorce proceedings that started in XXXX in still on my records despite 7-10 years guidelines set by Rules and Regulations of CFBP. 
I respectfully request your assistance in resolving these issues and removing negative information off my Credit Report. 
Sincerely, Mr. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am customer of capital credit card. CapitalOne restricted my account. Online account app is showing " This Card account is currently restricted '', while I still have balance on the card. 

However, I made calls to capital1 via their customer care number. I was made aware that my account has been closed on the XXXX of XXXX, due to " one-time '' return payment on my credit card account. With that said, i received additional interest charges on my card on the account on the XXXX of XXXX. On the XXXX of XXXX, I received another email saying my monthly payment will be coming up in the month of XXXX with additional extra charges, while capital claim that my account has been closed. 

Finally, I asked capital to closed my account accordinly for me to arranged a payment-plan base on the current balance on the account without attracting any additional charges nor interest charges. This is logical and I believe it falls within the financial regulation of " FDCI '' and " OOC ''. CapitalOne made it known to me that, they can't honor it. I should keep paying for additional interest rate that will be posted on the account, even though the account had been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My brother passed away XX/XX/XXXX, of this year, the property at XXXX XXXX XXXX XXXX, XXXX , Ca was transferred to me by transfer of death deed legally. The property was sold in XXXX and the title company needed a pay off amount which Freedom Mortgage wouldn't give them until several phone calls were made. On XXXX XXXX I received an escrow refund check in my brother 's name which couldn't be cashed because my brother is deceased. I call Freedom and was told they would send to me by direct deposit which a week later didn't happen, then they told me a special check would be sent in a couple of weeks with my brothers name/successor, that didn't happen and then they told me they didn't have my address, I then talk to a supervisor name XXXX and he told my banking info and said it would either be direct deposited or a new check would be sent and if I didn't receive by XXXX XXXX to call him. I just got off the phone with him and he has no answer at this time and said he will call me by the end of his day with an answer.I also received a letter date XXXX XXXX stating that it was confirmed that I'm the owner of the property. 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 2020-01-24
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACE ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAD TO XXXX THE NAME OF THE ACCOUNT TO KNOW THAT IT WAS A RENTAL PROPERTY THAT I KNOW NOTHING ABOUT. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: AL
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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00}.

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 explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
just received my reinvestigation back from TransUnion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence. And Tracking number #

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 2022-10-17
Company: Kriya Capital, LLC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The person who called me representing Credence debt collectors refused to tell me the company name unless I gave them personal information. They wanted my name, addresses, and phone number before they'd tell me the company or if they were a debt collector. They were a call center in XXXX that was calling on behalf of a company in the XXXX. I repeatedly asked who they were calling on behalf of. I was transfered to a " supervisor '' who also refused to answer any questions without me giving him sensitive information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had problems with an upstairs neighbor in an apartment complex in XXXX, CA
who was an undesirable XXXX XXXX and stayed up all night with visitors.  We tried to communicate with management and were assured he was an upstanding tenant.  We knew otherwise, felt unsafe, and as older tenants, needed to move.  Management said we could not.  Met with 2 separate lawyers who said, MOVE.  We moved out after giving notice, and did not receive our security deposit nor pet deposit back.  They took us to collection.  We are not responsible for living in a unit where we were unsafe.  Continue to get notices in the mail phone calls from TransWorld Collections, XXXX and the
alleged debt was put on our credit files.  Filed disputes with all credit reporting agencies.
My husband is XXXX XXXX and I would like this to stop, and sue the companies that continually harass us.  PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: OH
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:
student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2021-09-14
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please CFPB look into these collections practices. I am applying for a new home to help my family under this pandemic and my loan officerlooked at my credit mentioning theres a problem and he can not move further with myapplication. He mentioned AFNI is a new account and I have to fix this problem. Thereis an account listed on my credit report that just popped up under AFNI collecting for a company called XXXX for {$2300.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on mycredit previously in XXXX with XXXX XXXX... I wasn't familiar with this account and the balance from XXXX and asked them to SUBSTANTIATE this claim that I owe them because I have XXXX XXXX NOT XXXX.. this is an error. I Have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX then removed the debt and placed it with another company called AFNI. All this happened under a month ( see attached screenshots ) so how would XXXX send me a right to dispute or explain my rights to I can address and let them know the problem. 
The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers ' credit reports to coerce them to pay the debts. They label this as DEPT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didn't owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THISCOMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I am out of my apartment least and can not get my home to move my kids into, I will file suit with an attorney of my choice. I have attached images from my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CFW Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Cash for whatever rep : XXXX called my work to request payment. I advise him I am not allowed to receive calls at work. For the company to contact me only through written form. This was on XX/XX/XXXX. Since then they have contacted my personal phone every day and they keep calling my work several times now. They just contacted me today XX/XX/XXXX to my work. Rep. XXXX called to request payment. I advised them I'm aware of the debt and will pay it as soon as I can. And still they keep on calling.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: CA
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:
I did not open accounts

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 2023-06-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-18
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:
In XXXX I submitted a dispute to both XXXX XXXX XXXX, as well as Experian that an account showing on my credit report was not mine. I informed both agencies that the account on my report did not belong to me, and was an account due to fraudulent activity. XXXX XXXX XXXX acknowledged this as fraud and removed it from my XXXX  credit report, but it still remains on Experian as " customer disputed, it has been verified as belonging to customer ''. I provided an FTC identity theft report, as well as a police report documenting the account as fraud, as well as a utility bill showing that I was not, and had not ever lived at the address that was on file for the fraudulent account, along with, y current lease and lease at that time. Additionally, I provided XXXX XXXX XXXX with an affidavit, and again the account remains on my Experian credit report. The FTC has stated that once creditors and the bureaus have been notified of a fraudulent account and been provided the appropriate documentation that the account can not be reported

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 2021-12-14
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: Their investigation did not fix an error on your report

Complaint:
I have submitted dispute 3 times on Equifax website and still it have not been fixed. Almost 6 months and still it's hanging. All other credit reporting agency removed my wrong credit inquiry which was made by XXXX XXXX XXXX ( XXXX XXXX ) ( Wrong inquiry ran on XX/XX/2021 ). I have submitted all proof that wrongly pulled inquiry still it's not removed. Even XXXX XXXX  and XXXX XXXX provided all the proof still it's not removed. I am not getting this and if needed I will go at highest level to fight this. Enough patience now, I am losing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: JPMORGAN CHASE & CO.
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:
I sent letters to all 3 credit bureau aboit these false inquries on my credit reports. i didnt give permission for none of the five creditors to have a reason to pull my report

Company response to consumer: Closed with non-monetary relief