BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: OH
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:
Experian failed to to delete the following account and inquiries based on ID theft FCRA 605B and I sent a copy of an identity theft report, police report, and letter personal statement about the follow inquires and someone utilizing my social security number to pull my credit score/ credit report. Police reports report ID, social security card and health insurance card and credit cards were stolen. I mailed these items in XX/XX/XXXX and have no letter acknowledging they have deleted the items. 

The follow accounts and inquires request to be deleted based of FCRA 605 B are : XXXX. XXXX XXXX XXXX XXXX  account number : XXXX XXXX. XXXX XXXX  account number XXXX XXXX. XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX DATE : 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 non-monetary relief
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX {$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 2022-04-26
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 to the following Accounts # On XXXX 1.XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX 2. XXXX acct # shows 2 late payments 3XXXX XXXX XXXX shows 3 late payment 4. XXXX XXXX shows 2 late payments 5 XXXX shows 2 late payments. 
According to the the below statues my rights have been violated. Under the following : 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Each of the XXXX major credit bureaus are in direct violation of their reporting. 
I request that these be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: North Shore Agency, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
North Shore Agency has sent me a collections bill for a debt that I don't recall even making. According to them, I allegedly owe XXXX dollars for some book that I never ordered. The book is supposedly titled XXXX XXXX XXXX XXXX XXXX. I don't remember ordering any book in my entire life. If this is the result of some kind of identity theft going on, then I have every intention on finding out who stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not know this debt collector ( spring oak capitol ) they are trying to collect A debt that was identified as fraud and identity theft with A company called XXXX XXXX in the amount XXXX cents. The credit bureau removed this deft for fraud and identity theft in 2015. This company was recently sent A copy of the police report by XXXX yet lied and said they never received A copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i was on my way to have a good credit score to buy a house, then i got sick in 2018, could not work, end up XXXX XXXX XXXX XXXX XXXX in the hospital and then to the V.A.because, my job took my insurance away, went to a XXXX XXXX, there they got me public aid and food stamps, link card, snap, and to wait for my S.S., finally got it, two years later, try to pay my debts, but they already sold them to collections agencies and they were charging the double amount

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 2022-07-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS ACCOUNT HAS VIOLATED MY RIGHTS ; ( XXXX XXXX XXXX ) 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
THIS ACCOUNT IS STILL SHOWING AS OPENED WITH EQUIFAX AND CLOSED ON XXXX. THE CLOSED DATES, BALANCES AND PAYMENT HISTORY IS INCONSISTENT AND ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Information belongs to someone else

Complaint:
After careful reviewing my credit report, i noticed accounts which are not mine. 
I have never applied for these creditors, i don't have any contracts where is my signature on with these companies. 
I believe, that someone stole my personal information, i applied for police 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 non-monetary relief
Consumer complaint received 2017-10-03
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX my credit bureau was hit XXXX points because of Medical Revenue Services reporting {$XXXX} that I do NOT owe and also reporting an account 2 times for the same amount {$XXXX}. My credit score would be XXXX if not for their deceptive and non consistent reporting. I have disputed the {$XXXX}  numerous times with no help or action taken for the duplicate reporting. I want all records from them deleted from my credit file because they are very inconsistent and inaccurate in there reporting. I 'm sure I 'm not the only one that they 've wrecked opportunities.

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 2022-04-26
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, request a disbursement from my XXXX XXXX  account XXXX, registered in XXXX XXXX XXXX XXXX, for a value of {$35000.00} USD, with transaction reference XXXX, destined for my savings account registered in XXXX, this transfer was received by the international trade XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me via email that the money had been returned, said return should be reflected in 3 business days again in my XXXX XXXX XXXX account., which to date is not reflected. 

Since that date, through phone calls and emails, I have requested information on the process of returning the currencies to my trading account. 

On XX/XX/2021, through a file, they sent me a proof document, where XXXX XXXX authorizes an intermediary bank to debit foreign currency for a value of {$35000.00} USD. 

The document that XXXX XXXX sending to the email, it only contains the transaction order, but not the location of the intermediary bank that would execute said operation, therefore, not knowing the whereabouts of the money, request the XXXX XXXX XXXX of XXXX XXXX which will track the location of the money. 

Through electronic means they sent me another document that contained the SWIFT address of the intermediary bank to which XXXX XXXX had authorized to carry out said operation, XXXX, CITIBANK N.AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The CITIBANK bank is located in XXXX XXXX XXXX XXXX they informed me by phone and email that since they do not have any type of financial service with them, I can not make any type of request. 

Currently the money is held in XXXX, CITIBANK N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The unjustified withholding of money has caused irreparable damage to my economy, starting from the loss of profitability that could have been generated during these months, the loss of my business and the bankruptcy of my company, the credit data report for the arrears and the debt that has become massive, because this disbursement was an integral part of my economy, being withheld for so long, I was financially suffocated and could not keep my economy standing, currently I still have payment commitments with the which I must fulfill, and this money is the only thing I have left.

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 2019-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX  have complied with my block request. Equifax refuses to comply with my block request. They refuse to move the listed accounts from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXAccount Name : XXXX XXXX Account number : XXXX *Account name : XXXX XXXX XXXX Account number : XXXX *Account name : XXXX XXXX Account number : XXXX *Account name : XXXX Account number : XXXX *Account name : XXXX XXXX XXXX XXXX Account number : XXXX *Account name : U S DEPT OF ED/XXXX Account number:XXXX *Account name : XXXX XXXX Account number : 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 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 2022-03-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX and XXXX in reference to my information being used but not authorized. I was given a letter to submit. I have submitted. I was told to check my inquiries in 24-48 hours to see it removed. it is still there. This is hindering myself from being able to secure a place to stay. These items are unfavorable and according to 15USC1681, this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: EQUIFAX, INC.
State: TN
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 been disputing this issue with the creditors and the credit reporting agencies Equifax for the past XXXX years about this account! XXXX has removed this fraudulent account from my credit report on the second attempt, but equifax has not resolved my issue at all! I have sent in the supporting documents and the police reports as well!! I have tried on numerous occasions to resolve this issue about. They are saying that I have an open account for the balance of {$7300.00}. This was open without my consent and my personal information and identification was fraudulently used!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my mortgage was transferred to shell point from XXXX XXXX loan servicing on or about XXXX XXXX but prior to and long before it was transferred to shell point my loan was in loss mitigation in a on going short sale, when it was taking over by shell point in XXXX after sometime i received a letter stating that shell point was the servicing company for the loan so i contacted them and was told that my documents where being upload into there system and it would take 30days for that to happen and asked to check back after that time period, and i did so after that, i spoke to shell point and was asked to send in the updated listing agreement and letter of dispute of value which was sent on XX/XX/2020, and was told it would be reviewed about week later a was told that new a appraisal would need to ordered, well about mid XXXX everything shut down because of the COVID-19, but that didn't seem to stop shell point from disobeying the state mandate to stop all foreclosure proceeding as well as the California homeowners bill of rights that all foreclosure action is to cease while the borrower is in the mist of loss mitigation, shell point didn't request any other documents until after they filed a foreclosure NOD, so it was a clear disregard for the law and flat out lie that my file was not in loss mitigation because XXXX had stopped all foreclosure action when they had the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Locate Source America, LLC
State: NV
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:
XXXX has contacted the company and told them this was not him and he has nothing to do with the account. XXXX said this account is ruining his life and his credit score he also said he had no knowledge of it until it showed up on his credit report and he is willing to file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Universal Account Servicing, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I purchased a plan through a company called XXXX XXXX XXXX. I financed my plan with this company that uses Universal Account Servicing to do their billing. XXXX XXXX XXXX uses false advertising and misleads the public as to what services they are selling. It was not until my 2nd couching session that I realize what I had signed up for which was well out of my 72 hour cancellation period and I had been lied to. Every phone conversation that I have ever had with XXXX XXXX XXXX   and Universal Account Servicing has been recorded to an app on my phone. I'd be happy to share these conversations if needed. I have tried to cancel my account and contract with both companies. XXXX, has deleted me out of their system except for the financial part. UAS has told me that all they need is something in writing from XXXX  to cancel my contract. I have emailed UAS 2 different phone conversations with XXXX  where 2 different representatives of their company state that the contract has been cancelled, which is obviously a lie after I spoke to UAS. My problem with UAS is that they do business with a company that has salesman that lie to the public, their consumers, and that use false advertising and refuse to cancel my contract.

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 2020-11-24
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: Personal information incorrect

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified hard inquires accounts : US SM BUSINESS ADMINISTRATION ODA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ga XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I will list the correct spelling of my name there are multiple name spellings as well those also need to be removed and are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-06-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has not corrected the incorrect mortgage payments with XXXX XXXX. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by XXXX XXXX. XXXX XXXX never informed me that the loan was sold in XX/XX/XXXX. Then XXXX XXXX filed foreclosure while still collecting my on-time Payments. Then XXXX XXXX Dismissed the foreclosure after it was revealed that XXXX XXXX Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to Experian. XXXX XXXX Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want Experian to remove all the incorrect missed payment with XXXX XXXX in my Credit Report from XX/XX/XXXX to XX/XX/XXXX. I do not have 20 missed payments with 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 2022-03-18
Company: Bureau of Accounts Control
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BUREAU OF ACCOUNTS COLLECTION IS COMING UP ON MY CREDIT REPORT LAST SHOWING REPORTED XX/XX/2022. THIS COMPANY IS A DEBT COLLECTION AGENCY FOR A DOCTORS OFFICE. THIS DOCTORS OFFICE FRAUDELENTLY RAN MY CREDIT CARD AND REFUSED TO BILL MY INSURANCE COVERAGE FOR SERVICES RENDERED. THE BALANCE SHOWING ON MY CREDIT REPORT IS INACCURATE. I HAVE TRIED CALLING THIS COMPANY SEVERAL TIMES AND THEY REFUSE TO GET BACK TO ME, REFUSE TO UPDATE THE ACCOUNT BALANCE AND MOST IMPORTANTLY THIS IS A MEDICAL CLAIM THAT SHOULD HAVE WENT THROUGH INSURANCE.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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