BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
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: Investigation took more than 30 days

Complaint:
I am distressed that I am having to file a complaint since my consumer rights have clearly been violated! I have sent a total of 5 Letters regarding negative remarks on my credit profile ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and nothing has been updated. Please note I have provided ample time to rectify this matter. Both XXXX XXXX XXXX and XXXX XXXX XXXXS are clearly reporting on my Credit profile incorrectly. How does this account meet FCRA requirements when the dates for the last activity is different for every credit bureau that was falsely verified therefore needs to be removed immediately because you are reporting fraudulent information. Please note, The reporting of these accounts violates USC 15 1681 ( 2 ) i. It has been well over 60 days and the accounts are impacting my credit profile. I received a letter showing " verified '' when clearly nothing was verified! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition, before you start, Absolutely nothing in my letter could reasonably give rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Investigation took more than 30 days

Complaint:
Attention : Please help me with this matter. The information reported on my credit is not accurate. All 3 bureaus are reporting different information. I have sent letters to the credit bureau asking for an explanation but have not heard anything back. This matter was addressed over 30 days ago. Please help. I have sent follow up letters to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
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: Their investigation did not fix an error on your report

Complaint:
Starting XXXX of XXXX, I submitted a dispute concerning incorrect information reporting on my credit report ; XXXX said the account was verified, and it's correct. The same information was provided to me on the account that they deem validated ; I went through all the information and reached out to the collection company that the information is not correct and to remove it from my report per email on XX/XX/XXXX. I went ahead and disputed the incorrect information again, providing XXXX  with documents, and they stated again the information was verified. I have documents and statements from my bank showing that this information is incorrect. Also, the collection agency can't provide me with an itemized bill for each of the charges they are reporting. I have requested, and nothing has been given. 
This account was never delinquent reports says XX/XX/XXXX, XXXX XXXX XXXX is reporting getting collection account on XX/XX/XXXX. This information false as per the documents attached, my bank statements show that I was still active and payments were made to this account way past the report date also I have attached emails with the company that I was still using their company and I wasn't deliquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: PR
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 mailed in multiple inquiries to XXXX, XXXX and Equifax regarding inaccurate information listed in my credit report and I have not received any corrections to my credit report or any responses from XXXX or XXXX  about my concerns. I sent these inquires in XXXX, a follow up in XX/XX/2021 and I just sent in a third request this month XXXX XXXX XXXX. It has been several months and I haven't heard anything from XXXX  or TransUnion. I'm not really sure what else I can do on my own so I am submitting this final request before I talk to an attorney about my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/2021 I contacted XXXX, Transunion and XXXX requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I attempted again on XX/XX/2021 and XX/XX/2021 1. XXXX XXXX XXXX : {$9700.00} Paid in Full Please supply information on how you have verified this item. This account has been settled 2. XXXX : {$10000.00} Please supply information on how you have verified this item. 

3. XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

4. XXXX XXXX - Paid in full {$0.00} Please investigate and delete from my credit report.

5.XXXX XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX  -Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

5. XXXX XXXX  - Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX XXXX - Paid in Full {$0.00} Please supply information on how you have verified this item. 

Thank you, 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 2021-04-11
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:
Someone has stolen my identity and opened a XXXX credit card account with it. They are using my former address and my personal information to sustain the account. They have defaulted on many payments, and this has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: AVANTE
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management LLC is attempting to collect {$140.00} on debt not owed, allegedly on behalf of XXXX XXXX XXXX. 
XXXX XXXX XXXX phone bill was paid in advance and subsequently terminated prior to completion of the service. The amount of {$140.00} represents the refund due for services not rendered on the advance payment. 
Credence has made multiple derogatory claims with the three credit rating bureaus, which have been removed. However, Credence files these claims again each time they are removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

i am a victim of identity theft due to the XXXX data breach and all items shall be removed/blocked until this investigation is over.

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 2022-11-27
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is INACCURATE and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: AL
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:
In XX/XX/2020, I disputed several collection items with XXXX, XXXX and Equifax. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX Account Number : XXXX Balance : {$220.00}

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 non-monetary relief
Consumer complaint received 2021-01-23
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: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to put a freeze on my account on X/X/17. Paid requested {$5.00} fee. Freeze request failed, but my credit card was charged anyway. Unable to reach customer service to fix the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a pre recorded message from Transworld Systems Inc on the XX/XX/XXXX. This is not the first time they have called. I called number back and was told i do not have a file with them. I have asked them numerous times to put me on their do not call list to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not apply for these accounts I have XX/XX/XXXXservice

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 2017-09-15
Company: Experian Information Solutions Inc.
State: ND
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 victim of identity theft. I never applied for a XXXX credit card account. The following XXXX credit card accounts do n't belong to me : XXXX and XXXX. I have never applied for a XXXX credit card 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 non-monetary relief
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: PA
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:
Beginning in XX/XX/2020, I received copies of my credit reports with Experian, XXXX and XXXX. I sent letters to all 3 bureaus asking them to look into an account listed on my credit report for XXXX. I have asked them to verify the information being reported, as it was inaccurate, and I have asked for validation of the debt from both the bureaus and XXXX. Due to the reporting issue, XXXX  has removed this account from my credit report. After five letters to XXXX and Experian with no response, this past month they finally listed the account in dispute, but, as noted in the attachment, it states that the dispute is closed and the account meets FCRA requirements however, the account is a charge-off account and they are still reporting a balance as if this is an open account. This clearly does not meet FCRA requirements. After countless attempts to have this corrected, XXXX  and Experian refuse to look into my request.

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 2019-10-22
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: Public record information inaccurate

Complaint:
I have previously had this complaint with this company for the same exact thing and they continue to cause me to be in a category of a consumer with bad credit and I am not, this is hurting my financial options.I currently have a public record reporting and the bureau has informed me that they validated this information with XXXX XXXX a third party creditor. I have since called XXXX XXXX and have been informed that they have nothing to report to the bureaus regarding any public record. 

I believe that this company is trying to avoid properly re-investigating my dispute because they know it will result in a deletion on my credit record. Please do not allow me to suffer because of being misrepresented to the creditors. I am also a victim of identity theft, which is another reason I am concerned about this false reporting.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$1500.00}, {$700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Americollect Inc has reported an alleged debt in the amount of {$460.00} total of four accounts to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Americollect Inc obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Americollct Inc on XX/XX/2021 and I await a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an account with Contract Callers, Inc ( CCI ). I have sent both verification and validation letters with no response. I am asking to see my original contract and how this collector came to own my debt. Because they can not validate the debt and I have not seen any proof that they own it, I believe that the debt should be removed from my credit report.

Company response to consumer: Closed with explanation