BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Somehow Equifax keeps adding addresses to my credit file that do not belong to me and have never belonged to me. When I dispute them online, I 'm charged to having to jumpt through hoops to remove their errorneous information by doing the following : Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX This address does not belong to me. 
Next Steps Please note your Dispute Confirmation Number printed at the top of this page. It will be required to check the status of your dispute. 

In order to process your request to change your personal identification information, please send us a copy of the following documents. HOW DOES SENDING A COPY OF MY DL, SS Card and a utility bill PROVE THAT I DID N'T LIVE AT THESE XXXX PLACES? I DISPUTED XXXX BUT ONLY XXXX WENT THROUGH. THEY RANDOMLY ADDED THESE INCORRECT ADDRESSED TO MY CREDIT FILE THEREFORE THEY SHOULD BE THE ONES TO CORRECT THEM, NOT ME!!! I ORDERED MY SISTER SOME MAGAZINES XXXX TIME ONLINE THRU XXXX AND HAD THEM MAILED TO HER AT HER SONS HOUSE WHICH I HAD NEVER EVEN BEEN TO. WHEN I CHECKED MY CREDIT REPORT LATER, THAT ADDRESS WAS ON MY FILE AS XXXX OF MY ADDRESSES! THIS IS WRONG AND IS A DEVIANT PRACTICE AND IS SHOULD NOT BE ALLOWED TO CONTINUE!! 

1. Valid Driver 's License 2. Social Security card or XXXX form 3. Utility Bill Please print this page and fax or mail it with the required proof documents indicated above within 24 hours. 
Please ensure that your XXXX-digit Confirmation Number is included with any documents you submit to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Date open XX/XX/XXXX XXXX XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against my name.

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 2022-05-19
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:
I received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}

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 2022-05-19
Company: Atlantic Recovery Solutions LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Atlantic Recovery Solutions called me at work on XX/XX/2022. I told him not to call my work. He called back again in 5 minutes. XXXX called again today XX/XX/2022. My supervisor warned me again not to have debt collectors calling my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have a few not authorized or fraudulent inquiries on my EQUIFAX credit report. I have tried on many occasions to have the inquiries investigated and removed online and in less than 30 minutes get the response from Equifax that they have investigated the fraudulent and or not authorized inquiries and that they will remain because they are true record. I happen to call EQUIFAX on XXXX XXXX, 2016 and explained my situation to a Customer Service Rep ( CSR ) Named XXXX. She claimed that EQUIFAX do not dispute inquiries at all and that I should call the bank that placed the inquiry to have them remove it. I explained to XXXX that I had already called the bank and that they no longer had the account application and that I needed to file a dispute with EQUIFAX. XXXX CSR then called a supervisor named XXXX to try to help. After explaining the situation to the supervisor she said she could n't help me in disputing the inquiries because EQUIFAX new policy is to not dispute inquiries. So i explained to XXXX how does EQUIFAX protect the consumer from fraudulent inquiries. She then stated that I can put a Fraud alert on my file, but in my case how did she know that I am just calling in to try to remove inquiries I had placed on my own file as being fraudulent, implying that I was applying for credit and then calling EQUIFAX to have them disputed. At that point i decided to end the call and file a complaint with CFPB for further assistance. Attached is a pdf of most recent credit report from all XXXX credit bureaus showing the inquiries listed. The ones circled in red are the inquiries I am disputing as being fraudulent and not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
[ Case number : XXXXHi! This is my second time contacting you. I had written a complaint about my mortgage company lack of help with selling my home on a short sale. I have had a qualified buyer for 11 months. After my complaint to you I heard from them immediately and it seemed they were on top of it calling me every couple days. Now it has been 3 weeks and no word. They are not returning my realtors phone calls or e mails asking where things are at. Not sure where to go from here?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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 recently reviewed my credit file and unfortunately found that some of my personal information were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following personal information from my credit file within the next 15 days. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, GA 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 2022-05-19
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 received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2016-08-03
Company: CORELOGIC INC
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX, 2016 Credco ran a inqury with XXXX. I have wrote to the company and the credit agency. 
I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit .I DID NOT authorize this inqury!!!!!!!!!!! I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.

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 2020-07-10
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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've contacted Equifax Information/Consumer Services every day for the past 16 months. My information was compromised and although I sent in, police reports numerous times and identity theft reports that were filed. My information was not corrected, only verified as factual. 

I asked numerous times to have a security freeze placed, and although they confirmed it was done, it was not as I received notifications of my report being pulled ( hard inquiries ). This is ridiculous as they all say they same thing as they are trained robots or reading a script but not helping the people that are suffering from their lazy, inaccurate work. 

I have been forced to withhold my hand in starting life due to the incorrect information being reported that is proven to not be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: STERLING JEWELERS, 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Radius Global Solutions LLC
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: Account information incorrect

Complaint:
I'm writing this email to raise a dispute request against a derogatory remark on my credit. 
Case details are as follows : Original Creditor : XXXX XXXX XXXX Collector Agency : Radius Global Amount Due : XXXX As on XXXX Radius Global Solution, who is acting as collection agent for XXXX, put a derogatory remark on my account for not paying USD XXXX. 

Whereas in reality the same was paid directly to XXXX XXXX directly from my HSA account. At the time of payment I had no information for Radius Global Solution as in how to pay them So I made payment in full to XXXX. 

Although I paid the balance in full to XXXX and because XXXX has not updated anything from their end, there is an unnecessary derogatory remark on my account. 

Upon request I can provide the proof of payment. 

Kindly urgently look into the matter and request you to update the records asap by removing the derogatory remark on the account. 

It has damaged my credit score at great length without any fault from my side.

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 2020-08-12
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Revenue Assurance Professionals LLC
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
After comparing a credit report pulled for a mortgage with my XXXX XXXX account I noticed that there are XXXX different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

XXXX XXXX  HAS XXXX XXXX XXXX and mortgage fraud and identity fraud. XXXX XXXX  taking XXXX  out on my name without my content which is identity thief, XXXX fraud and mortgage fraud.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. The date opened is inaccurate. It's reported on Transunion as a different date compared to XXXX and XXXX. The alledged debt shows as charged off, but another account from XXXX XXXX XXXX shows the exact same account number. Both companies have violated my rights. A debt validation letter was sent to XXXX XXXX XXXX in early XXXX. 45 days have passed and they have yet to send me proper documentation proving I owe on the alledged debt or showing that I have ever done business with them. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX XXXX has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports.

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 : States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-08-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 my home had roof damage from a severe thunderstorm. I immediately contacted my homeowners insurance to file a claim. I had 3 roofers give me estimates for the damage and I submitted a bid from the roofer I choose. My insurance approved the estimate of {$9700.00} minus the {$1000.00} deductible. On XX/XX/2020 I received a partial payment check for approximately {$5900.00} and the insurance company said the balance would be paid upon completion of the roof. The check was written to me and my mortgage company. I contacted my mortgage company and was told via phone to mail my check to them and they would endorse it and return the check to me. Over 2 weeks later they mailed back the check ( not endorsed ) and stated I and the contractor had to submit 14 pages of forms, I had to endorse the check and sent all the information back to them. I submitted all the required forms and returned the insurance check which I endorsed and the mortgage company received the package on XX/XX/2020. I called the mortgage company every other day and spoke to 4 CSRs 2 supervisors to get them to send a check to pay the roofing contractor. I have finally received a check of {$2800.00} on XX/XX/2020. Now I have to go through another lengthy process for them to release more funds. I am living with tarps protecting my home and we have had several severe storms including a tropical storm and fear additional damage to my homes interior. In addition my roofer is understandingly not happy since we have had to postpone repairs due to my mortgage company 's delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Caliber Home Loans, Inc.
State: LA
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 a loan with CALIBER, XXXX XXXX, and  XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CALIBER, XXXX XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax refuses to remove fraudlent accounts from my credit report. I have disputed items for over servals years with Equifax. I have supplied Equifax with a copy of my ID, Police reports. I was a victim of identity theft., which includes bantruptcy proceeding appearing on my credit report. I placed a fraud alert on my file back in 2004 when my identity was first stolen which I kept in place for seven years. I just recently placed a another fraud alert and file block due to the same occaurance of identity theft and I filed another police report to update any new activities. Information is not mine identity theft, fraud. Attachments you will find last 365 days of disputes which I have filed with Equifax. All disputes states reason showing Not my account or bankruptcy. XXXX XXXX XXXX acct. XXXX was, Reinserted previously deleted. Equifax placed duplicate XXXX XXXX XXXX accounts on my credit file which appear in negative and closed column. Equifax has committed countless criminal acts, .regarding my credit file. Numberous FTC VOLIATIONS. and Improper use of my credit report.

Company response to consumer: Closed with explanation