BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: MI
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to 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 2019-12-05
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: Account information incorrect

Complaint:
Experian failed to provide a proper investigation regarding the accuracy of late payments, and continues to report inaccurate information on my credit report. Ive filed 3 disputes for Experian to update inaccurate late payments on my XXXX report. Ive specifically requested Experian provide me with the accounting records for me to examine the accuracy of the late payments. The FCRA require Experian provide 100 % accurate information. Experian is in direct violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: LEXISNEXIS
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Fraudulent misused of my personal information, without my consent ; 15USC6802,15USC1028,15 USC 6809 and 15 USC 1689.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. I RECENTLY CHECKED MY CONSUMER REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES.

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 2023-06-05
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: LEXISNEXIS
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LEXISNEXIS you are in violation of the law. You are reporting a Bankruptcy on my Consumer Report that you claim to have verified and is Metro2 Compliant. Bankruptcy is considered public records because it can be accessed for a fee through a system called PACER. The thing about public records is that nobody reports them to Consumer Reporting Agencies. I have a written and Signed Letter from the court stating they do not furnish information to the Consumer Reporting Agencies. PACER is an electronic system the courts use to store information, but its not reported to the Consumer Reporting Agencies. So that leaves me, the Consumer to believe that you infringed upon my right to privacy and colluded with PACER to have them take the fall in case you were sued since you know the reporting of information about someone without their knowledge is FRAUD 15 USC 1681 ( a ) ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 

PROHIBITS : formally forbid ( something ) by law, rule, or other authority. 

15 USC 1681b - Permissible purposes of consumer report ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account should not be furbished on my consumer report as they are in violation under 15 U.S.C.1681b-permission purposes of consumer reporting agency may furnish a consumer reporting.

( Fair credit reporting act ) 15U.S.C.1681et seq ( FDCPA ) Section 1692d:1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/14 I deposited a check {$4.00}, them the bank proceed to hold my check for XXXX XXXX, i called several times to the bank, they excuse was the signature was fake to hold the check. The person who issued the check for me provided phone number from his bank manager to my bank that way they could clear the check and release the founds in my account. ( The check was supposed to make payments to my guys ). 
Although they dont want remove the hold, and they keeping saying the check is fake and will hold. How i can get my check back?

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 2020-12-23
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: Information belongs to someone else

Complaint:
There is a XXXX account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, XXXX, and Equifax and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 SHELL ( Citibank / Citgroup ) closed my long time account because XXXX, XXXX and XXXX have not fixed a problem of reporting erroneous information on my Credit File regarding to my XXXX XXXX They are re-aging the code of reaffirmation of debt due to bankruptcy on my XXXX XXXX XXXX XXXX XXXX. 

As a result of this error, which I have disputed multiple times, Shell Closed my card negatively affecting my credit on an error by the 3 CRAs. I have contacted the 3 bureaus about the mess and have filed complaints with CFPB, and the bureaus have failed to resolve this issue which is an error in reporting. SHELL based their decision on what the bureaus are erroneously reporting which is a violation of my rights under the FCRA.

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 2023-08-07
Company: Union Home Mortgage Corp
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Closed on home loan XX/XX/2022. Borrowed {$400000.00} of a {$500000.00} purchase. This home was purchased of XXXX XXXX, XXXX, a coal mining company with several disclosures and deed verbiage added. We were failed by our real estate agent who didn't explain to use what these disclosure meant to the future value and ability to sell the property. He failed to educate us on the mine subsidence insurance about since we were releasing the coal mine from liability. The underwriter from the bank should have never allowed this loan to go through. Now we have {$100000.00} plus closing costs into the home, {$75000.00} in renovations performed to the home in the year since purchase and find out the insurance is only {$200000.00} for subsidence in WV. We were out of state buyers. I would have never purchased a home for this price had I known we were going to LOOSE all our investment and it not be worth what we owe on it just 2 years later. There was a planned mining date at closing known to the underwriter and loan team. No one from the bank brought this huge issue to our attention, allowing the loan to go through and us to be soon stuck with a home not worth what we paid or owe on. This isn't about the real estate market, it's about known future damage that was to come. We purchased this home as an investment with intentions to sell in 3-5 years and build on family land 15 mins away. Now we don't know where we are going to live when this house is beyond repairable from mining damage. We were at our max budget to begin with and can't afford to buy another home. This risk of foreclosure on this property is high and were in plain sight ; not to be since I didn't know the subsidence cap. I just can't seem to understand why a bank would loan this amount of money on a property with no rights and known drill date when there wasn't enough insurance coverage to cover damages that are likely to occur leaving us with an huge debt and uninhabitable home potentially. We barely qualified for this home to begin with, how are we suppose to afford repairs? With current costs, it would cost close to {>= $1,000,000} to rebuilt the home, pool, pool house, stone walls, garage and shop. We are talking about 4 structures! Our home has a large, full basement providing a high chance of damage. The exterior is stone and stucco. The structure is over XXXX sqft. There is a large all glass sunroom off the back of the home with basement living under 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 2023-09-27
Company: CAVALRY INVESTMENTS, LLC
State: NY
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:
I have received a letter from XXXX XXXX XXXX with a judgement notice. The case number after further review is FALSE. They have stated to garnish wages which should not be the case this debt is past statue of limitation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX which purchased the debt from XXXX XXXX  credit card. I have searched the county courts and their is no record of it. I have called them on XX/XX/XXXXXXXX  and again on XX/XX/XXXX. I spoked to a representative from the law group who refused to left me speak to supervisor. I would like for XXXX to stop contacting and using unethical practices. The debt is from XX/XX/XXXXXXXX  New York state collection law is seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NC
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 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 explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XXXX/XXXX/XXXX this account was XXXX and was never late XXXX/XXXX/XXXX please removed this late

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 2023-09-27
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in response to you concerning the collection of the above referenced accounts. I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with myState Attorney General and that the Statute of Limitations for enforcing this type of debt through the courts in Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired.This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by mail, phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws, Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I reserve the right to record all phone calls and violations of the FDCPA can result in you or your company being fined up to {$1000.00} or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 file a dispute with XXXX, XXXX, and Transunion. None of the accounts disputed had accurate information and by law was not reporting correctly! This has ruined my life and affected my chances of getting a mortgage and becoming a home owner! XXXX  Expesally broke the law by updating information that's false and they sent me a letter dated XX/XX/XXXX before they updated information which negatively affected my score stating that the disputes I sent in were " illegible '' And that items were too small to see! If my dispute was " illegible '' Why and how was my report updated correctly and accurately! this makes no sense why XXXX  will break the law in this manner! I am in emotional duress and victimized by XXXX  and the other company 's action in reporting accurately on my report. Reviewing the Credit file XXXX  and other companies sent via mail dated XX/XX/XXXX, I saw That the " balance '' and " amount past due '' are dead wrong and are being reported falsely every single month on every account I disputed and this is criminal under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A )! Also under Section 611 ( 5 ) ( A ) of the FCRA XXXX  and these other companies are required to promptly DELETE all information which can not be verified accurately, But these deletions were not done at all! If the disputed documents I sent was " illegible '' How and who verified the accuracy of my accounts under the law? A criminal act was done to me and I seek justice and correction as the law states clearly under the FCRA as soon as possible! Also please be advised this is my second time disputing this inaccurate information taking up my time and money to do so with no accurate resolution in regards to the law. Also, I never dispute if the account was mine I asked them to see if it was actually reporting on my report! The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply. Also, reviewing the report, Remove the hard inquires that I did not do or allowed which are " XXXX XXXX XXXX '' and " XXXX XXXX XXXX. Also, I sent a letter of opt-out the us department of education so legally can not share the info with any third-party company! All mentioned documents will be sent in for recording.

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 2021-07-15
Company: EQUIFAX, 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 Opened XX/XX/XXXX XXXX XXXX # XXXX  Opened XX/XX/XXXX *Fraudulent Account THESE ACCOUNTS DOES NOT BELONG TO ME THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: JH Portfolio Debt Equities, LLC
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:
Hello, There was a fraudulent account opened in my name by XXXXXXXX XXXX in XXXX. However XXXXXXXX XXXX removes the debt due to being fraudulently opened not by myself. Now the debt has returned on my credit report by a company that purchased ( A Debt Buyer ) the information by the name of : JH PORTFOLIO DEBT EQ XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX Placed as a collection account totaling : {$5000.00} Replaced as opened on : XX/XX/XXXX I have contacted the company and it still remains on my credit and has caused me a great deal of pain and agony. I want this item to be removed from all bureaus or be forced to take legal actions. 
1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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 status incorrect

Complaint:
It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 2 inaccurate late payments for the XXXX account beginning in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 XXXX XXXX do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..

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