BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX 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. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXXXXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 

In accordance with the fair credit reporting act convergent account Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove 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 2017-11-10
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was approved for the credit card on XX/XX/XXXX for {$2000.00}. To day is XX/XX/XXXX. I went in to the bank to see what was taking so long to get my card. I was told it 's because of my credit score. my credit score is at XXXX. To qualify for a bank credit card your credit must be at XXXX. I FEEL LIKE I BEEN LIED TO '' AND DISCRIMINATED AGAINST AS A XXXX MAN ...

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 2018-05-04
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I opened a joint auto account XX/XX/XXXX leased under Consumer Portfolio Services. I was not aware that payments were being missed or paid late. The car was then repossessed In XX/XX/XXXX. There is a balance of {$12000.00} on my account. The company has been repeatedly harassing and calling my father and threatening to sue me and take me to jail. Prior to this knowledge of my father being harassed I have enrolled into a debt management plan to clear up the balance. I am both disgusted and angry that they take advantage of people in this way

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No proof of debt. Only sending lease and IP address signed. What is debt for? What are charges for? All rent was paid in full. This debt is also roommates not my own, photo proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm writing this communication because I found an error in my reporting, it's an account that I don't recognize. please I would like to investigate since I don't remember being in a contract or having any relationship with that company. 

The company name is shown as RADIUS GLOBAL SOLUTION, posting a debt of {$430.00} on XX/XX/2023. 

please if any document was seen like I really have a contract or any relationship directly with this company Radius Global Solution I want to have a verification and copy to me. 

sincerely, XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-06-23
Company: EQUIFAX, INC.
State: MO
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:
Hello I am an authorized user on my mothers XXXX XXXX XXXX XXXX XXXX XXXX card. Unfortunately my mom passed away in XX/XX/2023. Ive been making the payments however Im not sure what to do next. I contacted XXXXXXXX XXXX  about the credit card as well as her mortgage back in XXXX I received a packet from the mortgage department but nothing about the credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage has sent inspectors to my house without my consent at different times. 

I called customer service today XX/XX/XXXX and I found out that I have to pay those fees equivalent to {$2200.00}. They said they have the right to do it because I have a delinquent balance. 

In the past my husband was hospitalized for a period of a year and we lost our primary source of income.. We had to file for a Chapter XXXX to keep our house about three years ago. Our mortgage payments and chapter XXXX payments are current. 

I feel a victim of Wells Fargo 's actions because they did n't ask my permission to send inspectors even though I have been living in the property since the house was bought. 
They also increased my monthly payments due to a force insurance since XX/XX/XXXXeven though I have keep my home insurance current every year.

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 2023-04-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt has remained on my credit report, and I have no knowledge of this debt. It may have been opened by my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
Credit card is not minesXXXX XXXX XXXXXXXX XXXX. Fraud

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 2023-06-23
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: Information belongs to someone else

Complaint:
XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX, XXXX {$5100.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX  {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
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: Public record information inaccurate

Complaint:
This is the third time I come here to file a complaint. These bureaus keep sending me the same letters! How is nothing being done??? XXXX XXXX and Experian continue to respond with verified I have already submitted the letter from XXXX XXXX  where it has come back as UNVERIFIABLE and it has been removed from their system! How are the bureaus still reporting it as verified I have also been in contact with the courts and they DO NOT report to any bureau!!! Why do they continue to waste my time and send me the same letters! This is a mockery! Im in the process of purchasing my first home and this is greatly affecting me and stressing me out! I demand they take accountably for reporting inaccurate information and remove it from my credit. Please take action! I have submitted yet again, the letters XXXX, XXXX and Experian have sent me, the same letters they continue to send me as verified I have also attached yet again the XXXX letter where they were NOT ABLE TO VERIFY IT AND HAVE SINCE REMOVED IT FROM RECORD! XXXX has removed it since XX/XX/XXXX!!! We are now in mid XXXX! Why is this still being allowed!!!

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 2018-05-04
Company: CITIBANK, N.A.
State: FL
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 XX/XX/XXXX, i called Citi and removed 3 " authorized users '' from the account verified by Citi phone call log. The " unauthorized users '' continued to use the card ( without my knowledge ).

XX/XX/XXXX - called Citi and finally was able to get " unauthorized users '' off the account, however, Citi is holding me responsible for the charges of the " unauthorized users ''XX/XX/XXXX - called back to resolve, no resolution XX/XX/XXXX - called back to speak to another supervisor, no resolution XX/XX/XXXX - called back, left voice message XX/XX/XXXX - called back, left voice message XX/XX/XXXX - called back, left voice message

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 2023-04-10
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 reached out to the company on XX/XX/. They advise me that they could not provide me any information on the account, as they are not longer the account holder. I requested that they remove the account as it is showing on my credit report twice and showing that I owe double the amount of money which is inaccurate.

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 2016-04-13
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A company named XXXX at XXXX is contacting my place of employment

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry from XXXX XXXX  appeared XXXX, called phone number and discovered this was a TransUnion hard credit pull and I have not applied for any credit recently. TransUnion rep filed a dispute, but did not provide a dispute nber or any other info for tracking resolution. Credit score dropped XXXX  points as a result of the hard pull

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 2023-05-16
Company: Experian Information Solutions Inc.
State: FL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting multiple companies I do not own accounts with and never have. I have sent multiple disputes and ask them to show proof and owner ship of the accounts. They never did anything I asked of them to do. I sent them numerous disputes. 

These reports are all incorrect and inaccurate. None of it make sense. 


XXXX XXXX POTENTIALLY NEGATIVE Balance {$320.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Balance - Balance updated - XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$7300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$720.00} Balance updated XX/XX/2023 XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$80.00} Balance updated XXXX XXXX, 2023 XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$87.00} Balance updated XX/XX/2023 XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/2023 XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/2023 U S DEPT OF EDXXXX POTENTIALLY NEGATIVE Balance - Balance updated - U S DEPT OF ED/XXXX Balance - Balance updated- XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$3300.00} Balance updated XX/XX/2023 2023

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 2023-06-23
Company: EQUIFAX, INC.
State: NJ
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: CNG FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2023 at approximately XXXX XXXX I was contacted by phone by a XXXX XXXX who was representing a company called XXXX XXXX. This is a debt collector for Check and go from what he was stating. I do owe check and go {$500.00} from a loan I took 11 months ago. I told him repeatedly that I was at work and would not be able to look into my finances until the next day. He kept saying that I had to pay the money back today or I was going to be criminally charged for writing a bad check. I did argue with him and told him that nothing could be done today and that he was going to have to wait until tomorrow. He then said that he has already contacted my employer and that he knows how much I make and when I get paid. He could not verify who my employer was so I knew that was a lie. he then stated that he was going to mark my file as refused to pay and that charges were going to be filed on XX/XX/XXXX. I got him to agree to let me call him on the XXXX with a payment. he sent a letter by email saying that I have 30 days to comply. he did not include any name or way to identify him on this letter, its a generic letter. I will pay this debt just to get him off my back and because i honestly do owe it but his tactics i feel are uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I have managed to remove the debt from XXXX and XXXX. However, XXXX  will not allow me to keep disputing the amount. I have tried to tell the company that it is not my debt, but it has become a nightmare.

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 2022-03-30
Company: EQUIFAX, INC.
State: DE
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 XXXX XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im stressed because my consumer profile is vital in todays world, I cant get a second job to support my family due to these fraudulent accounts and unauthorized inquiries. I filled out an Identity Thief report see enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: CREDIT WORLD SERVICES, INC.
State: OK
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:
Credit World Services reported a debt for education that was paid with student loans .They have not reomed the 2 entries from my credit report instead they are charging interrest of 30 % on the debt. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I was not ever notified of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2022-02-01
Company: CITIBANK, N.A.
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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