BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
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: Account information incorrect

Complaint:
This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX/XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions 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:
Experian credit bureau is not removing the fraud account XXXX off my credit bureau. I have sent a copy of my police report stating that I was a victim of identity theft and they are still reporting this fraud creditor on my report. it is against the law not to remove a identity theft account if a valid police report is given which it is

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 2019-10-28
Company: EQUIFAX, 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:
Equifax is reporting addresses on my credit report that does not belong to me. I do not live at these address and am afraid they could be resut of ID theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Was called under impersonation that they were with XXXX XXXX XXXX and was trying to serve a court summons on me. I called they number of the lawyer suppossedly holding the case. Come to find out when I called it was the XXXX XXXX XXXX XXXX and not the lawyer for this case. I was told capitol One Credit card in 2006 owed XXXX. Payments of XXXX ( 2 ) were made on this to stop any legal procedures. They would send via email the contract for 12 months of XXXX to pay this off. I looked up on internet about this company and what a scam I was put thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received at least 3 other collection agency attempts of collections on this issue ; I have provided all of them ( including Credit Management ) with Identity Theft documents via certified mail. They immediately closed their file back to XXXX XXXX? and ceased and desist! Now I get yet another collection agency attempting to collect on a debt that has already been documented as a disputed debt as NOT OWED! Isnt that the definition of harassment?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: TX
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 had a medical collection bill that opened on Experian XX/XX/XXXX. It was from the agency XXXX XXXX XXXX. On XX/XX/XXXX, the collections account was deleted from my credit report. On XX/XX/XXXX, my credit score on my Experian credit report fell 64 points because they sold my information to " XXXX XXXX  XXXX '', who then reinserted it on my credit report. I was not notified by Experian that this change would happen. According to the FCRA, " if an item is erased and is reinserted afterwards, the FCRA requires that the CRA send you a written notice of reinsertion within 5 days ''. They did not do this ; therefore, it was a violation of the FCRA. Also, I am not certain but I don't think its okay for my information from a health care facility should be sold to collections who also sell to other collection agencies since it contains Protected Health Information like my billing information which is protected under HIPAA. Please look into this for me. Thank you.

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 2018-07-23
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Over The past 2 years we have made countless calls to Shell Point Mortgage regarding assistance with a loan modification but to no avail. Shell Point mortgage service has been completely unfair in there constant request for additional documents. After all documents have been received I wait to hear from them only to be told they hadn't received documents or now need additional documents. I'm told the need exterior and interior appraisals by 2 separate companies causing more of delay. I have had 3 interior appraisals done in the last 6 months. After the appraisal has been completed I'm told that I need to wait 30 days for underwriter in which they ask for further documentation. We continue to send more docs both to their attorneys by fax and email. Even with the help of a housing counselor we are all spinning our wheels. Every 30 days they need more documents and updated documents and ultimately another interior appraisal just a constant circle and they moving faster and faster on a sale when Ive been trying desperately to cooperate but Shell Point has not been helping me and completely given me the run around and I'm being lied to. Please help me with my nightmare mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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:
The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Credit card or prepaid 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:
On XXXX I started purchase of automobile motor from XXXX XXXX XXXX for a payment of XXXX from my debit card ending inc XXXX from USAA. Later I used my credit card ending in XXXX from USAA for XXXX on XXXX. Total amount paid by this date was XXXX. I have never received my motor and have yet to have a refund for this fraudulent transaction. I no longer wish to be a consumer in XXXX until this is solved. Please help!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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 have been disputing for the removal of the disputed account from my Credit file. Although I truly appreciate the removal of one of the disputed account from my Credit File, there is still an account that is still reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. My information has been exposed in the XXXX data breach. The following accounts are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit reporting act section 605b, the Credit Reporting agencies are required to remove the disputed accounts and information that resulted due to Identity theft from my Credit File as soon as possible. Once again, I am submitting this CFPB Complaint requesting the removal of the account : XXXX. XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} from my Credit File.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: AR
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 attempted to resolve this issue with Experian for several months. Experian continues to violate the Fair Credit Reporting Act by reporting a bankruptcy on my credit report after they have failed to provide 100 % accurate verification. Experian has not provided who or what means of verification they received to continue to report this inaccurate information to my credit file. I spoke with the local courthouse and they informed me through letter that they did not report any information to consumer reporting agencies. This inaccurate reporting is causing a major hurdle to my current financial well being and I would like this matter resolved promptly.

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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ; XXXX  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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have submitted several disputes to the 3 major credit bureaus ( XXXX, XXXX, and Transunion ), as well as the secondary company XXXX. I know that under the FCRA, they are to properly and thoroughly investigate any and all disputes. I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX records on XX/XX/2019. Yet, Transunion has sent me a letter marked XX/XX/2019 stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I currently have a CFPB dispute against XXXX for the same reason. 

Transunion clearly states on their website that they use XXXX to verify public records. So if XXXX did not and could not verify this account, how did Transunion verify it if they use XXXX? 

This is a clear and present violation of my FCRA rights, and this shows that Transunion did not properly and thoroughly investigate and verify the disputed account in question.

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 2023-09-11
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
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:
My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My only employer is XXXX XXXX XXXX  There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.

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 2020-06-04
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: Account status incorrect

Complaint:
Back in XX/XX/2019 a settlement was made to XXXX  XXXX for a balance on a card I had them with them. This was never updated to my credit report it currently is showing that this account is past due for {$7800.00}. As you can imagine this greatly impacts my credit worthiness and I can not close on a loan I am currently in contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USAA Savings bank credit was called about issue. Issue was resolved for 2 years. Suddenly, bills started appearing again. I do not owe any $ $ XXXX No goods/services were purchased on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Frontline Asset Strategies, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX keeps switching creditors and adding an incorrect debt to my credit reporting. Its resulted in dropped scores and denied financing. When I attempt to resolve, its taken off my report for approximately 15 days or so and then readdressed to a different collection agency. Ive requested a 609 letter info and have yet to receive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Never got a letter or anything just checked my credit and there this Jeffcapsys for XXXX XXXX is for {$930.00} on a debt that I have never had. I talked to XXXX the account was opened when I was XXXX. Ive been u see my parents cell phone threw XXXX  my entire life : I have tried removing this but Jeffcapsys person on the phone says too bad pay or we will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call at XXXX asking for XXXX ; the same man called back at XXXX and said he was Naviet and he was trying to collect an debt ; I have given they my Atty info in the past and now I am receiving 10-12 calls a day. then a 3rd person called at XXXX from Navient. I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: JPMORGAN CHASE & CO.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
Chase Bank supposed to mailed a Check for {$3300.00} on XX/XX/2023 and haven't received it yet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The car was purchased by my son on XX/XX/XXXX from Regional Acceptance company. I was used in the loan for my income for a year. My son was murdered on XX/XX/XXXX in the car. I contacted them to luck the car up after he was murdered and was told that I had to wait until the payment became late to have car picked up by them. I received a letter stating that the car was sold at an auction for a smaller amount. My concern is that I was supposed to only be on the auto loan for a year and they are still reporting this {$11000.00} debt under my name. This is unethical and unjust. I also sent them a copy of my sons death certificate to add to the file. Im not responsible for this debt and these reports are hurting me tremendously.

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