BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt and Original Contract Dear Sir/Madam, By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and removed from my credit report in order to show my true credit history. As you are well aware, under 15 U.S.C. 1681i of the FCRA, as well as numerous other legal authorities, you are required by federal law to report only accurate information and every step must be taken to assure the information reported is completely accurate and correct. 
1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

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  Please accept this letter notification that I dispute the following items reflected in my credit report : Account Details : Creditor 's Name : MIDLAND FUNDING Account Number : XXXX Provide me documentation that this is mine or delete it Note : MIDLAND FUNDING has miss represented itself to XXXX as an original creditor holder which is strictly prohibited in court of law and is in non-incompliant with CFPB reporting guide-lines, please deleted without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I believe I have been a victim of Identity Theft. There are several mistakes and inaccuracies regarding the account status. I am demanding this account be immediately removed off my credit report. 

Bankruptcy XXXX XXXX I have contacted the District Court and they have confirmed that they have not given any private information in reference to this account. 



I also have attachments along with this complaint containing the correct information. 

28 USC 1746 Unsworn declarations under penalty of perjury

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 2022-02-22
Company: Mobiloans, LLC
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:
I've tried disputing this information. My information has been shared without my consent. please delete this information.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: MO
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 disputed that my joint Mortgage with my Ex husband was included in my Chapter XXXX bankruptcy in XXXX of 2015 and my responsibility written off. Initially, XXXX put the prop. up for short sale then removed it. I called to inquire & was told I could not file on joint prop & resp was still mine too. I get monthly bills & yearly tax statements. 

Regarding the Two individual XXXX accounts I had, I paid both off long before my bankruptcy through XXXX XXXX. I have case worker 's number who can provide payment history. It has shown in the past paid in full, on time, closed long before bankruptcy was filed. XXXX just had not marked accounts closed. When I disputed, the payment history and dates of payoff were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I paid the amount owe contact them to remove still nothing

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 2020-01-14
Company: EQUIFAX, INC.
State: CO
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:
Requested a copy of my annual free credit report from equifax at XXXX XXXX XXXX XXXX and in the process I am told that the information that I provided did not coincide with their records and I would have to mail a request to them. I send them the information, and receive a letter from them again stating that the information did not coincide with their records. I have tried to dispute the personal information that they have and have not received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I entered into a legal settlement on a credit card debt I had with Regions Bank and completely fulfilled the terms of the settlement paying 100 % of the agreed upon amount. Despite this indisputable fact Regions is showing a " current balance '' of {$5000.00} and this is negatively affecting my credit score. How can I have a " current balance '' on an account that is closed and on an account that has been paid in full based on the terms of a legal settlement. This is vindictive fraud by Regions Bank.

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 2023-12-27
Company: Loan Garden LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I received a loan offer that I agreed with the lender before releasing all the contingencies, after releasing the contingencies for the loan, a few days before closing I found out that my loan was not the same and they changed the terms to higher interest rate which caused higher mostrar Paymetns and also asking for a higher closing costs for about XXXX more. I didnt agree with the terms but I was told to sign so that we could start counting the days as we needed 3 days to process it. I was told by the broker that the bank changed the terms after we released the contingencies and that it was not his fault. Now if I dont. Close this property I will lose my XXXX and per my real estate agent also theres a risk that the seller will also ask for money from other damages. The broker said it was too risky to try to apply with other banks and that it would take about 2 weeks, pushing me to closed 2 days before closing date. I told them with time that o wouldnt qualify because I dont have enough for closing costs as they had increased the amount but they just lower the closing costs and increase my interest even more, causing the mortgage payment to increase again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: General Motors Financial Company, Inc.
State: GA
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:
Never authorized XXXX XXXX to conduct a credit check from XXXX XXXX on XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: GA
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:
I've made numerous attempts to dispute the fraudulent information from my credit report through online filing, mail, and calls without getting anywhere. Online disputes are being closed the same day with no proof the information is accurate or that I've provided written authorization that allowed these companies to access my credit report. 

The burden of proof lies with you as the credit reporting agency. Since I'm advising this information was NOT authorized by me, the consumer, I would appreciate this information removed from my credit report. 

Where I've been able to find out the company, I've attempted to make contact with them and advise them they've fraudulently reported information on my credit report. I've yet to been able to get anywhere with any of these companies. 

I've also filed a formal FTC complaint on this matter to further secure my information from potential identity theft. As well as purchased subscriptions to place 'locks ' and 'freezes ' on my credit report with your company. 

A full listing of each of these fraudulent accounts is below : XXXX  Account XXXX XXXXXXXX XXXX Account number XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX A full listing of each of these fraudulent inquiries is below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account below has engaged in inaccurate and fraudulent reporting on my credit report. This company has reported a false late payment on XX/XX/XXXX with one agency, and another on XX/XX/XXXX. I've attempted to work with them and argued the fact the payment was not late to no avail. They've now reported on my credit report the account was closed on XX/XX/XXXXXXXX  and reported a late payment on XX/XX/XXXX. Since I've been unable to get anywhere with them, I wish my credit report to be corrected with the accurate information of the account closure on XX/XX/XXXXXXXX  and the false late payment in XXXX remove immediately. 

XXXX Account number XXXX I greatly appreciate your assistance in updating my credit report and ensuring it's accuracy. If you believe any of the information is accurate, I demand proof of this so I can begin any necessary legal action with counsel to get this rectified. 

Thank you! 

Sincerly, 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 2022-11-17
Company: EQUIFAX, INC.
State: NJ
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 .The list of accounts below has violated federally protected consumer rights to privacy and confidentially under 15 USC1681 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) section sates : no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: SC
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:
They took more than 30 days to investigate my case they must remove any items in questions according to the FCRA. YOU MUST DELETE XXXX XXXX  {$21.00} ACCOUNT IMMEDIATELY!!!

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 2022-02-04
Company: Experian Information Solutions Inc.
State: VA
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:
There is inaccurate information reporting on my Experian credit report. I have submitted several disputes online and by mail in regards to this inaccuracy, but Experian has refused to completely correct the problem, and it seems the company is playing with or " trolling '' my credit score, changing it every couple of weeks by almost XXXX points. A company called XXXX XXXX is continuing to report late payments and affects my credit score as if it is an open account. The account is not my responsibility the account was open at a time when I was in college, living with multiple people who may have had access to my information. I have contacted XXXX XXXX to obtain the documentation that would allow me to figure out who may have opened this account, but XXXX refused to provide me with any documents that show I did legitimate business with them, and refused to stop reporting this false information. The account is so old its status should be a closed account in collections. 

On my Experian credit report it says : Account status : Closed Date opened : XXXX XXXX, XXXX Account type : Unsecured Loan Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor & XXXX ; XXXX internal collection department Status date : XXXX XXXX Past due amount : {$390.00} Original loan amount : $ XXXX Monthly payment : - Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calendar chart on my credit report has marked C for collection since XX/XX/XXXX. Although details of the account clearly show it should be categorized as a Collections account, XXXX has continually sent new late payment notifications, despite my numerous attempts to contact them. Experian still treats the account as open, even though the contract has clearly closed and is supposed to be in collections. I have disputed this issue with Experian and XXXX numerous times, to no avail. Just in the past 2 months, Experian has used this account to drastically change my credit score multiple times. Most recently, on XX/XX/XXXX, Experian raised my credit score to a XXXX and completely took the account off of my credit summary. However, when I viewed my entire report, the account still inaccurately appeared. On XX/XX/XXXX I contacted Experian by phone to begin a new dispute, but rather than properly erase the information, Experian deducted XXXX points, notified me I had a " new late payment '' and my " payment history rating dropped '' the very same day. I have dealt with the same issue several times since 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 explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2022-09-06
Company: Experian Information Solutions Inc.
State: GA
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 XXXX / XXXX XXXX are in direct violation of my Consumer Rights. 

FCRA prohibits any person ( individual or entity ) from reporting inaccurate, incomplete, and unverifed information to my Consumer Report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Please see attached )

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 2022-02-04
Company: Affirm Holdings, Inc
State: VA
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:
There is inaccurate information reporting on my XXXX credit report. I have submitted several disputes online and by mail in regards to this inaccuracy, but XXXX has refused to completely correct the problem, and it seems the company is playing with or " trolling '' my credit score, changing it every couple of weeks by almost 100 points. A company called Affirm Inc. is continuing to report late payments and affects my credit score as if it is an open account. The account is not my responsibility the account was open at a time when I was in college, living with multiple people who may have had access to my information. I have contacted Affirm Inc. to obtain the documentation that would allow me to figure out who may have opened this account, but Affirm refused to provide me with any documents that show I did legitimate business with them, and refused to stop reporting this false information. The account is so old its status should be a closed account in collections. 

On my XXXX credit report it says : Account status : Closed Date opened : XXXX XXXX, XXXX Account type : Unsecured Loan Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date : XXXX XXXX Past due amount : {$390.00} Original loan amount : $ XXXX  Monthly payment : - Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calendar chart on my credit report has marked C for collection since XX/XX/XXXX. Although details of the account clearly show it should be categorized as a Collections account, Affirm has continually sent new late payment notifications, despite my numerous attempts to contact them. XXXX still treats the account as open, even though the contract has clearly closed and is supposed to be in collections. I have disputed this issue with XXXX and Affirm numerous times, to no avail. Just in the past 2 months, XXXX has used this account to drastically change my credit score multiple times. Most recently, on XX/XX/XXXX, XXXX raised my credit score to a XXXX and completely took the account off of my credit summary. However, when I viewed my entire report, the account still inaccurately appeared. On XX/XX/XXXX I contacted XXXX by phone to begin a new dispute, but rather than properly erase the information, XXXX deducted XXXX points, notified me I had a " new late payment '' and my " payment history rating dropped '' the very same day. I have dealt with the same issue several times since XX/XX/XXXX.

Company response to consumer: Closed with explanation