BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: CA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: OH
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:
Hello, I see a recent derogatory remark listed on my consumer credit report as a XXXX XXXX  bankruptcy from XXXX I have confirmed with the court that they do not verify or report bankruptcies to the credit bureaus and I am requesting full and authentic verification of this remark. 
Please verify that this public record is being reported completely and accurately. 
Please verify that that complete and full court name is reporting this. 
Please verify that the full, complete, and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition date, file date, paid date, and settle date. 

If you are unable to verify any of the requested information requested from the court and unable to provide proof of this verification, I request that you remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports. 

Sincerely, 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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 40 plus days in have not had a response. Under

the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof so iaccounts should be block and removed. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the
purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you Block and remove the following accounts and send me my updated consumer 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 2023-06-13
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Rossi Law Offices, Ltd
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/XXXX I received a collection letter from Rossi Law Office, LTD on a collection for a XXXX bill dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. 
On this same day I called XXXX XXXX regarding this letter and bill from over 2 years ago. 
I spoke to a woman in the billling department regarding this letter as I have never received a bill or notification that money was owed. I was told this debt was sent to this Law Firm awhile ago, and was directed to call the Law Offices. 
I then called the Rossi Law Offices and spoke with a woman who claimed they have had this file for " almost a year ''. At this point I am beyond overwhelmed, scared and confused of a bill of almost {$6000.00}. In my fear I quickly made a payment arrangement to avoid legal actions. I am legally XXXX and live on a fixed income and now widowed. This is where this bill is coming from, on the date of service My XXXX was XXXX in a XXXX XXXX. My XXXX had insurance and this would have been paid with all remaining bills. After speaking to several people regarding this bill, I was told to contact the CFPB. Something is definitly off with this whole situation. 
I was assured this was all taken care of and have never seen a bill since?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Information belongs to someone else

Complaint:
I have contacted the Equifax, XXXX and XXXX regarding my personal information on my credit report. It seems other names or addresses that do not belong to me are on my credit report. 

My only Name is : XXXX XXXX XXXX My only SS is : XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX My only Employer is : XXXX XXXX XXXX I see my XXXX XXXX All other names, addresses or employers are wrong and do not belong to me, please update my personal information and delete all the wrong information. 

I have attached Proof of my Drivers License and SS Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ERC sent me a letter on XX/XX/23 claiming I owe {$620.00} to XXXX XXXX XXXX. I don't have an account with XXXX XXXX XXXX and never have, and I've confirmed this with them. XXXX XXXX XXXX  agrees I don't owe anything. 

ERC tried this same illegal scam tactic on me a few years back, claiming I owed thousands to another company I've never had dealings with. 

I've reached out to ERC before to ask them to stop. I've also asked them to provide proof of the debts. They've given me XXXX information. All they do is harass me on my phone XXXX hours a day, send letters, and try to attack my credit score. Each time, I contest it -- and they have to stop. But then it starts up again a few months later with a new company. 

ERC is running an illegal scam operation. They are lying, engaging in illegal communications practices, and trying to collect on obviously fake debts. 

I'd like ERC to cease all contact with me and cease all attempts at collecting this fictitious " debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: BELMONT FINANCE LLC
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2020 I sent a certified letter to Belmont Finance LLC in reference to a negative account that they were falsely reporting on my credit report. They received the letter on XX/XX/2020 but did not respond. See attachment for the letter that I sent and documentation that they received the letter. I sent a follow up letter after the 30 days requesting the same information. later in XXXX I received a letter dated XXXX XX/XX/2020 ( definitely over the 30 day response time ) saying that my dispute was frivolous. This was not a proper investigation because I was never was given any of the documentation that I ask for proving that this account belonged to me after two attempt of asking for the information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company pulled credit as Mortgage without my consent. I advised that I had XXXX report that could be provide I am not applying for mortgage

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 2018-10-01
Company: Collection Associates, Ltd.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a medical debt. Collection Associates LT ( address XXXX XXXX XXXX XXXX, WI XXXX phone # XXXX ) got a garnishment levy and sent it my employer in XX/XX/2018. My employer paid the debt out of my checks in XX/XX/2018 for the full amount. Now the company is still reporting to credit reporting agencies that I still owe them. I contacted them who said they transferred it to another lawyer and I need to contact them. Their name is on my credit report as reporting still due. I feel they are just giving me the run around instead of correcting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Account status incorrect

Complaint:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I am writing to dispute the following information that appears on my Experian report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XXXX  and a balance of {$0.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2020-07-09
Company: General Motors Financial Company, Inc.
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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2018 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: Ocwen Financial Corporation
State: KY
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:
I am trying to get a loan and when I went to my mortgage person they have pulled my credit and told me there was nothing they could do because my current mortgage was reporting a bunch of late payments throughXX/XX/XXXX -XX/XX/XXXX.  However I have proof that I made all of the payments and I pulled my payment history to show it and it shows every payment being made on time. So I have tried to call OCWEN and each time I get routed to a voicemail and never get anywhere. I am at my wits end and am pleading for someone to get this resolved. My pay history is matching the account number of the credit report that shows me in error so they match up. Please help get this resolved. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Sent a wire transfer to my parents, the wire transfer was rejected by their bank ( Bank of America ) and returned. But first with a {$45.00} deduction from BofA. No idea why it was rejected by the fee was deducted without haste.

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 2018-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, It is NOW ALMOST 5 YEARS since i asked CHASE for help to avoid foreclosure. 

All they keep doing is play games with me since 5 years ago, i have hired 4 different real estate agents from different offices to get my short sale approved and every time that we get close to get the CHASE approval. CHASE keeps playing games stating that they can not work with my realtor because the investor of the loan which is CHASE doesn't feel comfortable with the agent. 

So 45 days when we were ready to finalize this short sale application, CHASE again told me that my short sale was approved but i needed to get a new realtor otherwise they deny the application. 

So i did i hired a new realtor and 2 weeks later on XX/XX/2018. CHASE sent me a letter stating that my short sale application was denied because ANOTHER LIEN HOLDER DIDNT AGREE TO RELEASE THEIR LIEN ON THE PROPERTY. 

Which it was a lie since there is no other liens against my property. I am very upset and tired of CHASE playing games with me it is ALMOST 5 YEARS trying to get this short sale finalized and all they keep doing is playing games with me. 

PLEASE HELP. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: VA
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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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