BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MA
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:
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: MI
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 requested for an through investigation to be done on my consumer report and noticed inaccurate information reporting has not been corrected. I've included certified mail receipts Experian # XXXX XXXX # 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 2023-04-17
Company: Experian Information Solutions Inc.
State: NY
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 's 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX XXXX t # XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) untitled collection or charge off- Account # XXXX 5 ) XXXX - Account XXXX XXXX 6 ) XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX - Account # XXXX Has violated my rights. 

I've sent letters out on XXXX and XX/XX/2023. I received no response or any verified letters. 

15 U.S.C 1681 section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

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 2017-11-09
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do n't know if I completed the correct box but I truly need help with Real Time Resolutions and do n't know where else to turn. I have disputed with the company and with the bureaus and nothing has been resolved. Realtime Resolutions received an account from XXXX XXXX XXXX and even the results I received directly from the bureaus indicate the loan was transferred not sold but actually transferred. They charged off a balance as per the response in the amount of {$49000.00} back in XXXX 2011. Realtime resolutions then starts to report the account starting at 180 days past due. Not a collection account but an open account with a balance of {$63000.00}. Also a past due balance being different than the current balance. How is that even possible? If the first company charged it off then why is the second company showing late over 180 days. By the looks of my credit report they just charged it off last month. How can they hold a charged off account from one company for over 5 years then charge it off again? Then to make matters worse XXXX XXXX XXXX shows in the payment history as having a balance of {$49000.00} as of XXXX. This seems to be a huge scam! It appears as though 2 mortgages were charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX XXXX XXXX, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXXl {$3200.00} ( 4 ) XXXX {$1.00} 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 2021-11-18
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 am a victim of Identity Theft and I have attempted to have fraudulent information disputed with XXXX, Equifax, and XXXX from my credit reports. I have a repossession on my credit with XXXX XXXX XXXX. I have never owned a vehicle with this company. I currently have an FTC Affidavit as well as police report validating my identity theft claim and even still these creditors have not removed this fraudulent account. 

According to The Fair Credit Reporting Act, section 605B requires consumer reporting agencies to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent in that information. 

At this time the FCRA law is being broken and I need further assistance with my fraud dispute claim. I have been contacting the bureaus since XXXX of this year and received no assistance nor have they ever provided proof or validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
My name XXXX 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 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 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 2019-04-30
Company: 21ST MORTGAGE CORP.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I was in process of refinancing my current home mortgage loan. 21st mortgage was aware and got angry I was refinancing. The new mortgage company was nation 's lending corporation and they started they were going to assist the mortgage payment and failed to do so. I then contacted 21st mortgage to explain to them and i got nothing but attitude and they failed tp help and resolve the issue. I want them to take off the late payment. 

XX/XX/XXXX payment XX/XX/XXXX. The payment was due and I was going to pay. Unforeseen event of losing my mother, father and sister unexpectedly in a tragic accident caused me and my brothers to use our money to pay funeral arrangements. 21st mortgage refused to help which is going to cause me to be late 3 days over the 30 days. They still refuse to help me and I want this late credit report hit to come off also because of a hardship I hit this month. 21st is nothing but attitude and mouthful people. They told me to borrow money from my dead parents. Come on now what company does that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and 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 America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see below regarding XXXX XXXX XXXX Acct # XXXX : According to the IRS, when creditors cancel debts, they are required to report the canceled amount if it is over {$600.00} to the IRS using Form 1099-C cancellation of debt. The charged-off/cancelled deb on this account is over {$600.00} ( {$3000.00} ) and no 1099-C form has been issued. Once this debt was cancelled, I should have received a 1099-C form in order to report it on my taxes as income. This should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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 have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, XXXX, and Experian for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted. This account should be deleted because XXXX is saying I filed bankruptcy and that isn't relative to me. As per the letter XXXX said it would remove the account if I asked. I'm asking XXXX and the bureaus to delete this 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 2021-11-18
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I made a dispute about the XXXXXXXX XXXX account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you please help

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 2023-10-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2021-05-01
Company: XOOM CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
someone hacked into my XXXX  and created a Xoom account, I have never had/used xoom prior to the incident that happened on XX/XX/2021. someone wired money to themselves in XXXX in the amount of {$240.00}. I did not authorize the transaction XXXX. When I went to check my email someone created this Xoom account at XXXX XXXX  PST and made the transfer at XXXX XXXX  pst. By the time I went to log in and change my password this transaction had gone through I tried calling Xoom and was on hold for over an hour and still no answer I have called multiple times since then but its the same thing. I have emailed them and they denied my claim as a fraud because " The transaction ( s ) claimed as unauthorized are consistent with historical records ''. But I don't know what historical records they're referring to when I have never used this company and I didn't have an account through Xoom. I currently live in Washington and the login for Xoom was first made in Arizona. After XXXX  I saw that many others had this situation happen to them as well. I am now getting email that they're trying to collect a debt in the amount of {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Both Experian and XXXX have acted on a fraudulent report from XXXX XXXX XXXX without performing any due diligence to lower my credit score by about XXXX points. When I called the organizations to dispute the charges, both organizations state they need 30 days to restore my credit even though I have the overwhelming evidence to prove the amount XXXX is stating I owe is fraudulent. It is unethical that the organizations will instantly drop a consumer 's credit score but will not restore it until after they complete their " investigation. '' Further both Experian and XXXX are attempting to circumvent the the Federal Fair Credit Reporting Act ( FCRA ) by preventing customers from reporting and providing evidence to dispute fraudulent charges. Experian does not list the correct phone number for customers to call to dispute the charges. Their listed dispute phone number XXXX does not provide customers a way to speak to an agent. The correct number is XXXX which is hidden. For XXXX, a customer can easily call in a dispute however they provide no easy way for a customer to submit supporting documentation. They request all evidence to be mailed to them via snail mail like it is the early 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-11-18
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: SYNCHRONY FINANCIAL
State: CA
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 have an Id theft issue and someone stole my information and have used them. 
I have an unauthorized hard inquiries on 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