BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
the company continuously reports bad information on me and allows my husbands vengeful ex to ruin my financial livelihood these inquiries are fraud XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Medical And Health XXXX XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance old account reporting, grantor XXXX stated delinquincy over 5 years old XXXX old account reporting, grantor even states several years from delinquincy XXXX XXXX charge off several years old should n't even be showing any longer, grantor, statue of limitations. 

XXXX fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
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:
The collection XXXX XXXX in the amount of {$810.00} is not mine and showing on my credit report. I have contacted them several times and they have not complied. I even sent letters to all 3 credit Berueas and they too are not complying and they are not adhering to their timelines. I even have certified letters from all 3 bureaus not once but 2 times for this matter! The last certified mail was on XX/XX/2021 How many times must I send certified letters before I get a response? My original contact with the lender and the bereues was back in XXXX! 
I have asked to remove this erroneous item from my report. I want this taken off my credit report ASAP. This is not mine, and this is causing me issues in obtaining a 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: IN
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Selene Holdings LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I told them that my wife passed away, I hit hard times my daughter and I needed a little help to get back on track they just moved forward with the foreclosure process like my wife death did not matter or made any difference in how things were to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 XXXX and Equifax 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 XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: U.S. BANCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
US BANK - This account is reporting differently between the bureaus and a direct violation of FCRA 623 Responsibilities of the data furnishers. Investigate thoroughly and update or remove them.

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 2022-10-03
Company: EQUIFAX, INC.
State: TN
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:
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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- CAPITAL ONE WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CMRE Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, XXXX has retained CMRE Financial services , Inc to collect a debt of {$780.00} for services rendered. 

This debt was paid last year ( 2022 ) and the payment validation is attached to this case. 
I have tried to relay with proof debt was paid and I continue to get debt collection correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an on-duty injury as a firefighter for the City of XXXX Fire And Emergency Services on XX/XX/17. The city did not pay the bill or did not pay in a timely fashion. I have had a debt collector come after me and erroneously report to the credit bureaus that I did not pay the bill, a bill that I was not responsible for paying. 


It is my understanding that what those debt collectors are doing is illegal under Virginia Law. The debt collector is XXXX XXXX XXXX XXXX. The contact on the credit bureau is I was transferred to an offshore ( XXXX ) when I called the creditors number. I was told that the the client was XXXX XXXX XXXX and nationwide recovery system. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been working with XXXX XXXX, XXXX, and Chase Bank since XX/XX/XXXX, I had a check that was sent out to me in my name and was fraudulently cashed with clear evidence, no one is willing to help and XXXX was not assuring that the Student ( me ) is receiving the funds to pay off their student loan. XXXX had a check that was cashed into a XXXX XXXX  account which I DO NOT have and has known that. XXXX has refused to make sure that I get my funds to pay this off for over 8 months. This check was sent out in XXXX or XXXX XXXX  XXXX and I was NOT notified that this check was sent out so I had XXXX recollection of anything that had happened or that I even HAD a check sent out in my name. I was denied access of my school account prior to this check being sent out which is on fault of the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Zions Debt Holdings
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been disputing an incorrect item on my XXXX credit report since XXXX. Instead of investigating XXXX continues to accept Zion Debt Holdings word for the incorrect item. I have personally requested that Zion Debt Holdings send ME verification of the account, such as, the name and telephone voice recording of who originally ordered the service from XXXX , the date of the request, the billing address given, and the name on the credit card securing the order. Zions Debt Holding has NOT provided this information to me or to XXXX. I have never received a bill for this account because I do not now nor have I ever had an account with them. I am XXXX XXXX XXXX under doctor 's care and the stress of this is further damaging my health. I have maintained excellent credit for more than 60 years. This incorrect collection on my credit report has knocked my XXXX score down from XXXX to below 700. I keep trying to contact XXXX about this, but their phone number takes me to a robot telephone loop. My complaint is about XXXX AND Zion Debt Holdings. Because of my age, I feel totally taken advantage of that borders on elder abuse. I have no documents to submit, because I did not order this service, have never received a bill. I don't know how to upload my letters to Zion Debt Holdings or XXXX. May I send you copies through the mail?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Phoenix Financial Services LLC
State: MD
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: Problem with personal statement of dispute

Complaint:
XX/XX/2022 A derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My old navy Barclays card. 

I made the payment online and their system was having technical issues and the payment did not come out of my account causing me to improperly get a 30 day late on my credit card. This was not my fault. I am humbly requesting for this 30 day to be removed or not reported to the credit bureau.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX College is the College attended XXXX XXXX, Mo U.S Department of EducationXXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX College is the College attended. XXXX XXXX, Mo

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: DC
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 submitted various complaints regarding XXXX XXXX an erroneous item on my consumer report. I would like to point out a few violations that both XXXX  and EQUIFAX and XXXX  has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of Equifax and XXXX  they are as follows. 

Per 15 US Code 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 ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject 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, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my written instructions to remove the erroneous XXXX  XXXX  account from the credit report and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: AR
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 am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly assist me in correcting this account : XXXX XXXX XXXX XXXX Balance : {$10000.00}.

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 explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: VA
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:
Equifax followed XXXX 's lead and lowered my credit score to XXXX. Nothing on my credit report has changed that should allow Equifax to lower my score. I haven't missed any payments, I've had the same XXXX credit cards for years, I've banked at XXXX  XXXX XXXX for XXXX years, my house has been payed of for about XXXX years ( because I paid off a XXXX year loan in less than XXXX years ), I have roughly {$100000.00} in accounts at XXXX XXXX XXXX XXXX XXXX have over {$36000.00} in a XXXX IRA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and I have over {$330000.00} in my TSP account. 

There is no intelligent reason to lower my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 XXXX and XXXX 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. 
HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$0.00}, HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-04-11
Company: Colony Brands, Inc.
State: ID
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:
XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )

Company response to consumer: Closed with explanation