BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE THE LATE PAYMENTS from my credit report. 

ACCOUNT : XXXX ACCT # XXXX In accordance with the Fair Credit Reporting Act, They have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2019-02-07
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: Investigation took more than 30 days

Complaint:
I recently submitted an investigation request to Experian. They were supposed to complete their investigations and respond within 30 days. Well over 30 days have passed, and I have yet to receive my response. I've even sent follow-up letters that have also gone ignored.

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 2022-12-20
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: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On the date of XX/XX/XXXX I stated to Chime that I tried to contact XXXX XXXX due to the policy stating that they only do a transaction after the 30 days Instead of abiding by the policy on the XXXX XXXX website which was to charge the card after 30 days they actually took the money out the the same day and on XX/XX/XXXX. Chime stated they did not see where an error was occuring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Credit Karma, LLC
State: VA
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 reported Identinty theft when I noticed. A lot of things on my credit is not me I filed the proper channels immediately but still Im the one wiped out my bank account credits cards max out and my social security and all my personal info being spread around

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-08-06
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My report claims I lived at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX I have never in my life lived in or been associated with any individual from XXXX, XXXX. This date has never before appeared on any of my credit reports and looking at each individual it is still not showing on them. It needs to be removed. It says I resided here from in XX/XX/XXXX, I wasn't even born until XX/XX/XXXX and my SSN is valid and was issued when I was born in XXXX XXXX, XXXX in XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: Professional Debt Mediation, 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:
PROFESSIONAL debt {$1900.00} Balance updatedXX/XX/XXXX Account Info Tap labels for more details Account numberXXXX Collection openedXX/XX/XXXX Account typeCollection Department / Agency / Attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX, NJ XXXX - This address is associated with an account that is not mine please delete. 

XXXX XXXX Balance Owed : {$0.00} - I never had an account with this creditor. 

XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$6400.00} - I am a victim of identity theft and this is not mine. 
XXXX  XXXX Balance Owed : {$4100.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX Balance Owed : {$2600.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must 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 explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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:
I have been trying to correct these erroneous accounts for a very long time. please help XXXX XXXX XXXX   XXXX DEPT OF ED/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 2020-09-04
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today, XX/XX/2020, I recieved a letter from MCM threatening to take me to court if I didnt pay my balance. I had already spoken to them about not calling my spouse ( which they did without my permission ) and I told them I would contact them a few months later. So they are falsely accusing me of not being in contact with them, and threatening to sue me of a debt over a year old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I reviewed a current credit report and noticed several student loaned reporting to me which I have not applied for. There are a total of 4 loans opened to me fraudulently and the dates are 2 on XX/XX/XXXX which is also when the fraud started and 2 on XX/XX/XXXX and is also the last date the fraud took placed. Since then I have contacted the creditor and have made them aware of my situation which they resulted in starting an investigation, and I have even taken it as far as filing a report with my local police department to help assist fighting this 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 non-monetary relief
Consumer complaint received 2022-02-05
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr. Cooper has continued to decline my application for a loan modification and prolong the process with needless demands to resubmit documents. During this process the appraisal I was instructed to pay for expired due Mr. Cooper 's negligence. Despite the documents I submitted, Mr. Cooper reviewed and listed the incorrect income and insurance costs and property value as they repeatedly declined my loan modification application. As a result, my home is now in foreclosure, again, due to Mr. Cooper 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to correct these erroneous accounts for a very long time. please help XXXX XXXX XXXX   XXXX DEPT OF ED/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 2023-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTION MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 received a new credit hard inquiry against me for Capital One Bank today at around XXXX on XX/XX/2023. Ive been notified its a sign of fraud and would like it to be monitored and the hard inquiry removed off of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: ZuntaFi Corp
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I would like Zuntafi, which appears to be a student loan service provider, to stop contacting me. It seems that they are using an internet white page directory of people with similar names and are arbitrarily calling phone numbers of the corresponding similar names at random. I do not know anyone of any of the many names they asked me if I was, and I dont know how to get them to stop calling me. Its really creepy. I have no student loans or any other debt for that matters.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: SYNCHRONY FINANCIAL
State: NH
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 Report I recieved in XX/XX/XXXX and in summer. Shows that I had hard inquiries in XXXX all on same day at XXXX different adresses in XXXX states. I moved out of the addresses used in XXXX and XXXX. I also never tried appling for Lowes credit card ever or other inquires. I have been working hard on getting score up to XXXX after divorce in XXXX. My ex wife XXXX XXXX and ex Girlfriend XXXX XXXX know SS number and I hever made any of these. After divorce Started in XXXX final in XXXX. Ex wife left me at a XXXX score from XXXX. I never applied cause I knew wouldnt get a loan. Hence my purchases of cash old cars and so on. Please Help I have disputed many times and every month For XXXX yr after paying off old debit owed. score will not go up. Goes down and stays at XXXX because someone keeps pulling score every 30 days. Ex wife know my ss number and friend is realtor and doesnt want me to buy. Please help my family with this security and investment for the kids Thank you 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 2023-06-29
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian : Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX  XXXX Disputing updated claims. 
These accounts have been inaccurately reporting on my credit report and NEED TO BE DELETED IMMEDIATELY. The first dispute was brought to my attention as verified, however both agencies have TRIED and also advised about the updates on these accounts but somehow they are still reporting inaccurate information on my credit profile! I wonder why?? Are these investigations ACCURATELY being investigated?! MULTIPLE times these accounts have been updated, although my dispute request was for them to be removed due to inaccuracy yet no ACCURATE resolution has been done. I have attached 3 of my credit reports before and after these disputes to show proof of the inaccuracy upon multiple attempts of disputing. As you can see XXXX has now separated the XXXX XXXX '' account so were unable to compare the inaccuracies. XXXX has also removed the account number and changed the creditors name as it was listed differently previously. These investigations are misleading and becoming stressful. Now I am asking for IMMEDIATE PROOF of these investigations listed below or I DEMAND these accounts be DELETED not in 30 days but IMMEDIATELY! 

Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 

Thank you for your time and cooperation.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: PA
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 tried reaching Experian XXXX XXXX to alert them that i have not made any of these accounts they ignore my request and they are putting me in a bad position due to having a XXXX im trying to get a new loan on my house and get it equipped for my condition. I went to apply for a loan and they are reporting false inquiries and accounts that are not mines This is costing me time and stress because they are failing to remove the things that aren't mines. I only have a house loan i didn't open or apply for anything on my credit report. I requested that a freeze be put on my credit report and i get a phone call when applying for lines of credit. I These 3 companies have used a automated service and ignore my request. im going to forward this to the white house if this matter is not took care of.

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