BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
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: Information belongs to someone else

Complaint:
Equifax is reporting an account on my credit report that is not mine. On XX/XX/XXXX I received a letter from XXXX XXXX for {$3200.00}. Shocked, I immediately responded to the letter asking for validation of the of the debt because I 've had no dealings with the company nor the company they represent. The company did not reply but put the account on my credit report. I sent another letter and was ignored again. On XX/XX/XXXX I sent a letter to Equifax in good faith asking them to validate this debt with XXXX  XXXX. They responded with a letter saying the account had been verified. I assumed they misunderstood my request so on XX/XX/XXXX I sent another letter asking for validation again. I received a response on XX/XX/XXXX from Equifax saying the account was verified. By who? Where is the proof of the validation that I requested? Per regulations I have a right to see what information a creditor is providing to put a negative item on my credit report. On XX/XX/XXXX I contacted the BBB and XXXX XXXX did not respond. I received the email from the BBB yesterday ( letter attached ). This company is not responding to the BBB or to me, yet somehow Equifax has received verification ( still not what I requested ). This company is not responding because they can not proof this debt is mine. Equifax is refusing to remove a debt that can not be validated. Not only did XXXX XXXX ignore my request, but so did Equifax. This is a violation of my rights and needs to be removed from my account. The amount of {$3200.00} is not a small amount that Equifax can ignore the company providing proof of the debt. Where is the signed contract or anything for that matter? Due to lack of proof XXXX and XXXX quickly removed the debt at my first query. I feel Equifax is being negligent in pursuant to the FCRA and allowing abusive practices by XXXX XXXX. I have worked hard to maintain a good credit file and after serving my country for 16 years, I find this is disturbing. I ask the help of the CFPB to assist in stopping Equifax from victimizing me. XXXX XXXX # XXXX for the amount of {$3200.00} needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft fraud ect. i disputed with all 3 major credit companies XXXX and XXXX   removed it over a period of time and years of disputes XXXX   wont take it off.I contacted XXXX and the collection agency in question XXXX said they would send me out a fraud pack 3 weeks ago it never came all i got was a paper stating what i owe the collection agency ive been calling them and even paid them {$99.00} to help remove these items from my credit nothing happened they said i would see results in 3weeks but nothing happened. I received a payment failure notice for another {$99.00} from XXXX but refuse to pay them because it seems im paying for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: WA
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:
Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX  - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: CT
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 had a 36 lease obligation with XXXX XXXX XXXX. I paid up the last few lease payments with a check of about {$3000.00} or so. Never 30 days late. I ended up owing some taxes which I was planning on paying towards next month bal. of {$1700.00}. I check my credit report today XXXX reported me 30 days late. This is not fair credit reporting to a good paying customer.

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 2020-09-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Checkr, Inc
State: GA
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: Public record information inaccurate

Complaint:
I was signed up with XXXX and they ran a consumer report on my driving record. 
There is false information listed. 

1. I have never driven a commercial vehicle, but this is on my record. 
GEORGIA SERIOUS COMMERCIAL DISQUALIFICATION  XX/XX/2017 XXXX Code W01 Category UNACCEPTABLE LOOKBACK XXXX Description GEORGIA SERIOUS COMMERCIAL DISQUALIFICATION Issued Date XX/XX/2017 State GA It also states I'm a minor in all instances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: AMA Advisors, LLC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
HomeBridge Financial gave me false information over the past 3 months regarding my PMI. Even after a letter was sent they refused to stop charging it and kept telling me I wasn't qualified for it even though I was. And when I finally escalated they refused to have me stop paying until it was at 78 %, which when requested and good standing can be done at 80 %.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

XXXX Accnt # : XXXX Opened : XX/XX/2021 Balance : {$0.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-05-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has placed a collection on my credit file. However, they have yet to provide any validation for the debt. Nor have they provided a signed agreement between their company and myself stating I owe their company. The amount for the debt is {$430.00}. The debt is stated to be opened on XX/XX/XXXX, 2016. I  have no recollection nor an agreement with my signature stating I owe debt to Potfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 30-60 days 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi there, I was one of the ~150 million affected by the Equifax breach. This was my experience trying to clean up the mess for myself.
1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. Equifax 's language is vague and misleading. Something along the lines of " you may
have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both Equifax and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar.
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and XXXX to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have called the Credit Card company, XXXX XXXX & now Midland Credit Management to resolve this. I was not provided the written information I asked for ( I had been through a divorce & wanted written statements so I may review and contact police if necessary ). 

Midland Credit Management has contacted me up to ten times a day. They contacted numerous family members, including my father on XX/XX/XXXX, who is recovering from XXXX  events and was upset and worried when he contacted me about the incident. 

Today was the second time I contacted them in the hopes of procuring the information I needed ( statements ) and was met with the same degree of disdain as from my first call. Something about " their lawyers '' was mentioned in a threatening manner. They provided transaction information from XXXX & XXXX, pointing out a returned payment ( which was due to fraud on my checking account in XXXX ) which was in no way helpful to me. XXXX XXXX, the agent I spoke with today, was demeaning and brought up " their lawyers '' and kept dissecting my statements and turning them back on me as questions, " So you're telling me you're disputing this? '' I told him I had nothing to dispute because I needed paper statements. 

Something as simple as my calling to get information to resolve this account was turned into a heightened, angry, altercation. 

I told Mr. XXXX of Midland Credit that I was reporting his company to the FTC. Over the past 3 months, I have resolved many different credit issues that resulted from my divorce in XX/XX/XXXX and I haven't had any conversation that devolved into this kind of demeaning coercion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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: Personal information incorrect

Complaint:
I discovered that a companies are reporting on my credit report that is not mine and my information is inaccurate. I believe your company is mixing my identity up with someone else or someone has stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Complete Credit Solutions, 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:
XXXX XXXX ( XXXX ) on XX/XX/XXXX. My first payment of {$120.00} was due on XX/XX/XXXX. I made eight payments of {$120.00} each from XX/XX/XXXX to XX/XX/XXXX for a total of {$980.00}. I assumed this was paid off since I no longer heard from them after my last payment was made. They have now sold my account to Complete Credit Solutions , Inc. XX/XX/XXXX TX XX/XX/XXXX @ Telephone : ( XX/XX/XXXX ) XX/XX/XXXX-XX/XX/XXXX. Complete credit solutions has place a collection account on all three credit bureaus for the amount of {$1400.00}. I have disputed these amounts since I have already paid XX/XX/XXXX. This was a payday loan that I am now aware of as being illegal in North Carolina ; however, the main issue is that they were paid three years ago and they are putting an outrageous balance on my credit report that is incorrect.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit report I noticed multiple inaccurate accounts reporting on my credit profile for my accounts that were never 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 non-monetary relief
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from 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