BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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:
I was at XXXX XXXX today XX/XX/20 and they ran my credit to see if I could finance some phones but I was told that I was denied because there were several accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I got a copy of my credit report and I saw about ten accounts with negative payment history that don't even belong to me. I did not open any of these accounts nor did I allow anyone to open them in my name. I am not affiliated to any of the companies I listed on this report nor did I gain anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I'm not sure who is responsible for these accounts but I have already filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: ProCollect, 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:
In early XXXX, I received a notification from my credit monitoring company, that I had an account in collections. It was an account with ProCollect again. The account is XXXX for and online application for an apartment at XXXX XXXX  XXXX XXXX XXXX. Not two months ago the exact same situation happened with this collection company ( a different apartment complex ). No one contacted me by phone or mail to tell me about the collections account even though they have all of my contact information before sending this account to my credit report so I could provide documentation for identity theft. I called the company after receiving the notification and talked to Ms. XXXX. She falsely told me I had only three days to dispute the account. Additionally, I requested all documentation related to the account on the phone and twice by email on XX/XX/19 and XX/XX/19. In the emails, I provided my state ID, my identity theft report, and debt collection letter. They have not sent me any documentation to this account so that I can file a police report and dispute this charge as identity theft.

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 2019-12-22
Company: SUNRISE CREDIT SERVICES, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I submitted a letter as formal complaint that XXXX is reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : SUNRISE CREDIT SERVICES Collection Amount : {$1300.00} Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$660.00} on the XXXX XXXX partial account number XXXX. XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to be reporting a {$0.00} balance and no lates. It would be impossible to be late on an account with a {$0.00} balance. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and this line item needs to be updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: MI
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:
I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX  XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXX XXXX {$43.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2021 I disputed an account I have no knowledge of on the Equifax website, which is shown as XXXX  in the amount of {$360.00}. After disputing this account, I received an email on XX/XX/2021 stating that the account had been verified that it belongs to me, in which I didn't agree. I then sent a letter to Equifax on XX/XX/2021 asking for the method of investigations and what procedures were used to determine the accuracy and completeness of the disputed information. On XXXX XXXX I received a letter from Equifax with my credit report with the disputed account still on it, stating it had been verified but the method of investigation was not included in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: MI
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:
I sent letters to all three major bureaus the date of the last letter to Experian was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance

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 2017-02-22
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The creditor has re-aged this account on XXXX showing payments in XX/XX/XXXX yet other bureaus show debt given to a collection agency, XXXX ( opened in XX/XX/XXXX ). How is that possible? At one point, status of the student loan account was showing as open on XXXX yet duplicate reporting by collection agency for same debt ( please see attached ). Reported DoFDs are different across all the credit bureaus and supposed payment history and original amount owed keeps changing. Series of violations and inconsistencies occurring. Please delete this account and get corresponding collection removed 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 2015-10-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Disputed incomplete report information. Provided court copy of Master Satisfaction and Release of Mortgages recorded by the Clerk of the Circuit Court of XXXX County, Florida. 
Response received stated, " Unfortunately we are unable to honor your request to place credit information ( i.e., Satisfaction of Mortgages ) into your personal credit file since we would be unable to verify the data. We only receive public records information from our vendors who collect it from the courts. " The court record provided should be all the verification needed and can be easily verified online on the Clerk of Courts XXXX Co., Florida website. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently submitted a complaint about this creditor furnishing my credit report without my permission and asked for them to delete the account, but they did not delete it, they actually just closed the account. I never gave permission for it to be furnished on my credit report so I want it deleted or removed from my credit report immediately. I am not satisfied with them closing the account. Because I did not tell them to furnish my report. So not only did they violate my rights, but they also violated me. Im asking to have this account removed from my credit report not to have it still posted to my report showing as a closed account. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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:
Experian should not be reporting a collection/chargeoff in the amount of {$390.00} on the XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account number and opening date on this account has been changed and the reporting date has been moved forward. This is a total violation of the Fair Credit Reporting Act. The FCRA mandates that accurate information be reported on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase bought out the servicing of my loan in XXXX of 2022. The previously lender gave them proof insurance. Through an escrow account they renewed the insurance. They then claimed they showed 30 days of missing coverage and threatened to buy my insurance. They should of just contacted the insurance company they just renewed with if they didnt have full proof of coverage. What a huge frustration. Why send a threatening letter. Whats the point of an escrow account if they cant seem to keep track of the dates then try to double charge for insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYFILED XXXX XXXX {$18000.00} XXXX XXXX {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This loan reached it 's 10 year maturity date in XXXX 2016. The account balance has been at zero for over 2 years. I have been requesting that OCWEN file a deed of reconveyance for over 6 months. They now claim that i must wait another XXXX9 weeks while they perform a " chain of title '' research through a third party agency. Totally unacceptable. They have moved me to an " escalation manager '' who is totally useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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: Information belongs to someone else

Complaint:
To whom it may concern, In XX/XX/XXXX, I was notified that there was an account on my credit report from a loan taken out back in XX/XX/XXXX. When I reached out to the credit collections, they informed me the loan was with XXXX XXXX XXXX XXXX and that I could reach out to them as they was asking for repayment. I was able to get in touch with XXXX XXXX XXXX XXXX and they stated the loan was mine and I would have to work with the agency. I reached out to the agency and was told I could file a police report and submit to Equifax. When I went to the police station back in XXXX, I was told that I needed the account number but XXXX XXXX would not provide this information to me. XXXX XXXX kept referring me back to the collection agency. I ended up writing a letter to all XXXX credit bureaus regarding the situation and XXXX XXXX updated my credit report, taking the collection debt off. Equifax, however did not and stated that this account was mine. We are now in XX/XX/XXXX and this is still on my account. My credit score is great and I am looking to resolve this matter and get this account removed. I have attached my current credit reports as of XX/XX/XXXX to show the negative account on my credit and highlight my XXXX and XXXX account as it has been removed. To prevent this issue from happening again, I have locked my account so now all open accounts under my name have to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These 3 agencies XXXX, Equifax and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: MI
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:
I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$110.00} - XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXXS XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: NJ
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 have been disputing these negative items for months now I have been contacting all bureaus asking for answers about why unverifiable items is on my report I am trying buy a house and this has been hurting me please look at my items and removing it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I got divorced in XX/XX/XXXX, my ex wife owns a XX/XX/XXXX XXXX XXXX. According to our divorce decree, she is solely responsible for this vehicle. However, my credit is being ruined when she is making payments late as my name is still on the car note. I should not be held responsible for this vehicle. I have talked to XXXX multiple times about this, and they have even called me several times about the XXXX XXXX car note. My credit should not be effected by my ex wife not paying her car note on time. I need to have my credit restored and no longer ruined by this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
ftc violatons capital one bank XXXX  will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about Capital One credit card customers and individuals who had applied for our credit card products.

Company response to consumer: Closed with explanation