BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX ... has violated my rights. 

15 U.S.C 1681 Section 604 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, auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a ton of inquiries on my credit report from 2015, but did not apply for credit through these companies. I am recently separated and it was discovered that my ex was applying for credit in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: SC
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 not signed any contract with either of these companies and furthermore I have NEVER given Equifax written consent to report on my consumer report. 15 USC 1681b ( a ) ( 2 ) clearly states the purpose of a consumer report. I have been disputing these same fraudulent accounts and charges for months with no results. I am writing to delete the following information from my file. I reported the identity theft to the Federal Trade Commission. I have enclosed my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On my credit report there is an incorrect address listed as a previous address.I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This address is listed for me but I have never lived in XXXX and I have documentation to prove that I was living in XXXX as well as working in XXXX when this was added to my report. I have made a police report In reference to this and notified the credit bureaus although this has not yet been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 'm a long time highly qualified XXXX customer I came from XXXX and in the last month chose to participate in an application for a credit card at a local branch here in XXXX with a XXXX XXXX XXXX. 
I was informed that I was declined for the credit card despite my XXXX credit score and very healthy balance at your bank that made little sense. I was told to await a response for the decline and explanation and I did as instructed as the explanation for the decline was vague- I did n't honor a commitment as agreed upon in the last XXXX years so I had been working w the branch assistant mgr XXXX XXXX who informed me of a loan modification or short sale purchase a negative inquiry on my credit report pulled by XXXX. I actually called all beureaus knowing that was a mistake and I have a copy of each of my XXXX page credit reports on hand and documented conversations with the bureaus informing them of XXXX decision to decline me for a credit card where I had them cross reference my reports in case I was illiterate as there was nothing of the sort to indicate any commitment I 've ever made and not paid, nor any modification but further no documented negative record from XXXX nor equifax all of which I have on record. I 've called XXXX XXXX customer service who insist that 's not what they see, the bureaus do n't lie and I find this to be highly offensive but still I have patiently worked w XXXX XXXX whose instructed me that he 's escalated the manner as theirs XXXX evidence to support the contentions behind the decision to decline my credit.. Both bureaus have instructed me to have this investigated and that is now what I fully intend on doing as I 've given ample opportunity for XXXX imaginary bureau with such contentions to resolve that error but instead I 'm further ignored burdened with coming into the branch w my documents of proof. I have mine and the burden is on XXXX now as I 'll make it a personal mission to proceed with the mishandling and continued disregard of error and lack of ownership and report this to any and all governing institutions to create awareness.. Again I have both my discussions w the bureau and ur staff member on record.. 

FYI- complaints and investigations forthcoming at this point just for starters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Ex-husband has n't filed his taxes since 2010. A tax lien was placed on all of my credit reports. I have been given a document stating that this tax lien is not mine and asked all XXXX credit bureaus to remove it. XXXX + XXXX have changed their report but equifax still has it listed as my lien. I have a tax lien release paper that says I am not responsible. Please have equifax remove this lien that does not belong to me. And a copy sent to me stating it has been removed so my credit score can go back to where it was please? Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan is showing total XXXX. With multiple different tradelines of different amounts that I have no proof or ledger to have correct amounts, for these loans have been over 20 yrs old and different servicers and their accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Sezzle Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Sezzle Virtual Card has not reported my account as paid in full since XX/XX/2022. I deigned up for their service because they report to the XXXX bureaus. They have not reported and this is affecting my credit utilization they are in violation of their terms and conditions and I would like to file a complaint against Sezzle.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has report inaccurate information on my account after I previously submitted a complaint. They have added several inquiries and XXXX account and another previous address that has nothing to do with me. They added the following inquiries XXXX on XXXX/XXXX/16 and XXXX/XXXX/16, XXXX on XXXX/XXXX/16 and XXXX/XXXX/16, XXXX on XXXX/XXXX/16, XXXX XXXX on XXXX/XXXX/16. This account was added XXXX XXXX and this address XXXX XXXX XXXX XXXX, XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2022-04-20
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I was contacted by Credit Management LP, I was informed of my debt but was instructed that should I make payment arrangements and held true to those arrangements that the debt would not be reported to the credit bureaus. Once I made my final payment on time, it was reported to the credit bureaus not only that it was a collection account but that it was late. I have since disputed with This with the bureaus, but it remains on my credit as a collection account when it should not have been reported at all per my agreement with Credit MAnagement LP

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax refuses to remove paid state tax liens even though they are satisfied. They " require '' a court order for deletion of the state lien. Meanwhile, the clerk of the court says they have never done that and will not do that. Otherwise, they 'd have everyone in there doing it. So I 'm stuck. Punished for 10 years for merely a few hundred dollars. Why will the federal tax lien be removed upon request which I 'm guessing is THOUSANDS, but the state will not budge? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
About 2-3 years ago I attempted to trade in my car at a dealer. The financial manager told me my social security number was invalid. He entered it multiple times. I have since tried applying for other credit related loans and they all result in an invalid entry. When contacting Equifax , they send a report using my SSN, but my name was not even associated with my number. It also said invalid. I have contacted an attorney, who is clueless. I have contacted the social security administration which have checked all of my paperwork since birth that is normal. So, I 'm needing to know why this has happened. I need to be able to build and use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX B XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Bliksum, LLC
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: Information belongs to someone else

Complaint:
Several loans were taken out in my name during XXXX. These accounts have been closed and reporting inaccurate information. I had to leave my information with the person that was taking care of my children at the time. I have a XXXX XXXX I have to maintain for my job. I shouldnt have to pay for someone else wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2015-09-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax is reporting an account with XXXX in the amount of {$280.00}. They have failed to provide me with the documentation that was used to verify that this entry is correct. Equifax has repeatedly re aged this account when in fact it should have been removed in XXXX 2015. This is not the XXXX time that Equifax has reported inaccurate information and has failed to fix tge problem in a reasonable amount of time. I want the actual documentation that was used to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing public records and tax liens with Equifax for three months and they have little to no reason why the records have n't been removed.. I spoke with XXXX the Supervisor on in XXXX and he guaranteed me that the investigation would be completed in thirty days..I waited the allotted time to get a response from the credit bureaus..I called back in XXXX and I spoke with an agent who said, the company did n't show any record of a dispute.. I was advised that they would have items sent out again asking the creditors to verify items being disputed..I called back on XXXX/XXXX/2016 and no results and I even provided the confirmation number that I was given, not in the system ... I sent over a fax and a certified letter demanding these items be deleted .I called to followup on XXXX/XXXX/16 to see if the documents had been received, XXXX representative told me that the documents were n't legible and I had to resubmit everything..so, he advised me to let him dispute the items again..I did n't agree for him to resubmit an investigation that should have been completed four months ago..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have had this issue on and off for years. My report can not be accessed by myself or creditors. I called the public affairs department and they tell me they do n't see an issue. I do n't know what to do - right now I ca n't get insurance because they company ca n't access my Equifax report. When I have called/complained to the CFPB previously, they fix it but the fix only lasts a month or XXXX. I need to be able to consistently access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been sued by Pressler & Pressler and they received a default judgement against me for a debt I do not owe. They have never answered my questions about who I owe, show me any proof, just kept forging along. They requested a wage garnishment and the judge denied it. Now they sent a sheriffs officer to my Broker, ( realtor ) with a writ of execution to garnish my future commissions {$1700.00} that they say I owe. Are they allowed to do this arbitrarily? I have had so much trouble with this identity theft issue for many years and I am struggling to keep even my mortgage up to date. I just do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


US DEPT OF EDXXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX Account Balance : $ {$1400.00} ; XXXX XXXXXXXX XXXX XXXX Account Balance : {$57.00} ; XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXX Account Balance : {$770.00} ; XXXX XXXX XXXX  XXXX Account Balance : {$170.00} ; XXXX XXXX XXXX XXXX Account Balance : {$630.00} ; XXXX XXXX XXXX Account Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2017-07-11
Company: Riverwalk Financial Corporation
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with   XXXX   XXXX   also the car was given back to the people without a hassle and all of a sudden these people Deville Mgmt for  XXXX  which they said it was open on   XXXX   XXXX  , 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely  XXXX  So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: PA
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