BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
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: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent a request to XXXX, TRANSUNION on XX/XX/2021 for Validation of the following collections account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and received a response with no proof that the debt which is a clear violation and against the law. They are reporting inaccurate information. Delete following account immediately for violating my FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XX/XX/XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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: Account information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX , XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: NJ
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:
There is a discrepancy on my credit report that I have been disputing for a while ; from XXXX XXXX XXXX XXXX ( d/b/a XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, d/b/a XX/XX/XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The reported debt is neither private nor federal student loan, rather an institutional loan granted by the college for which I have written notification ( dated XX/XX/XXXX ) from the XXXX XXXX, Vice President of Student Affairs, stating the balance was forgiven and XXXX  out. 

Despite such documentation, the school continues to negatively report on two of the three credit reporting bureaus, adding {$89.00} to the balance each month, causing it to reflect a current past due balance of {$9600.00} as of XX/XX/XXXX. 

I have supplied the supporting documentation to XX/XX/XXXX and Equifax and tried to dispute the account so that it can be removed from my report ; however I have been unsuccessful. 

I am reaching out for you assistance in getting this collection removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : I C SYSTEM ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it 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
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XX/XX/XXXX and XX/XX/XXXX. Per XXXX XXXX XXXX  records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXXpayment 3 ) XX/XX/XXXX received {$1200.00} to satisfy theXX/XX/XXXX payment 4 ) Not sure how XX/XX/XXXXcan be marked as late when the month of XX/XX/XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage sinceXX/XX/XXXXand somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.

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 2021-11-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2021 XXXX XXXX XXXX reported an unauthorized inquiry to XXXX and equifax. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies and XXXX XXXX XXXX on XX/XX/2021. no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of my first mortgage on XX/XX/XXXX with an application fee of {$550.00} given on that date. We are now at XX/XX/XXXX and I have yet to have a decision made on my loan. This is a violation of the Reg B rule of a requirement of 30 days for an application decision. I have provided every request within hours of it being made. I asked for a refund of the application fee onXX/XX/XXXX since they cant make a decision on my loan and the application I paid for isnt being underwritten in a timely manner. No one will respond. I informed them I am aware they are in violation of the Ecoa rules With no reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXXXXXX XXXX XXXXXXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXPlease delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: R & R Collection Service, Inc.
State: DC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX XXXX I was contract by text message from number XXXX with message : '' ETA Scheduled for XX/XX/XXXX between XXXX XXXX XXXX. Please accept documenta at XXXX XXXX XXXX XXXX XXXX in Washington. Signature by XXXX XXXX req 'd Invoice XXXX can be made current by calling XXXX  XXXX XXXX. I called the number and the caller stated they are from RNR Recovery and contacting me regarding a bill from Check into Cash from XXXX. I explained I do not owe a debt to them and you need to provide proof of debt. RnR Recovery claims notice was sent to me 45 days ago. I advised I have never received a notice and to either mail again or email the documents. They refused and claim by law only one notification. I advised until you can provide documentation of debt, I am refusing to pay. The burden of proof is on you!!! Then he threatened with placing item on my credit. I later contacted Check into Cash, XXXX and spoke with XXXX who confirmed that I do not have any debt or outstanding loans with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXXXXXX XXXX XXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXPlease delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$29000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Knight Adjustment Bureau
State: MD
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:
ACCOUNT IS SHOWING ON MY XXXX  REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an extension of credit in which i was denied and received an adverse action letter using obscene and proface language from Home Depot Credit Services stating that i was denied. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Home Depot Credit Services has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Home Depot has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations hold Home Depot criminally and civilly liabel. Attached to this complaint is the letter from Home Depot labeled as exhibit A and B. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and Home Depot Credit Services to move forward with this complaint.

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 2019-01-15
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, 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:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent accounts. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus. 
The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have 5 hard inquiries on my credit score ( XXXX ) which are the the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) Capital One Bank USA, ( XX/XX/XXXX ) All they are is XXXX XXXX XXXX getting background information about getting service at my apartment and XXXX is for applying to a credit card which I use everyday! So, why hasn't all this been removed yet? 

These things haven't been removed and it's been over 5 years on most of these inquiries and I know for a fact that these usually have a limit of up 2 years. 

Please remove them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Law Office of Linda Strumpf
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a hard inquiry on the XXXX credit report from said debt collector, and now I have received a letter to collect a debt. I have no knowledge of this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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