BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I would like for Experian to obey the law and block these fraudulent accounts and stop being negligent so I can obtain credit for future endeavors. I 've attempted to clear this matter twice before and if this is n't resolved I will see them in court and SUE. Please block and remove this items per section 605B of the Fair Credit Reporting Act by blocking fraudulent information resulting from identity theft. I filed an affidavit and identity theft report and these items still remain. These are the accounts below : Account Name : XXXX Account Name : XXXX Account Name : XXXX Thanks for your help in this matter.

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 2016-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX XXXX n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked XXXX Texas Debt Collections XXXX website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas XXXX XXXX XXXX XXXX which prohibits a XXXX-part or credit bureau from engaging in debt collection in Texas unless the XXXX XXXX debt collector has obtain a XXXX bond and file a copy of the bond with the Office XXXX. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Their is a bankruptcy reporting on my credit report that is not mine, I spoke to the bankruptcy court and they confirmed that its not mine and is not sure how this is being reported on my credit report as they did not even have my SSN in their system. They saw a smiler name but could not provide me with any information of that person and they told me to dispute it with the reporting tangency. I reached out to the credit agency and they wont remove it nor will they tell me why or how they verified that its mine.

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 2016-08-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to Experian. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to Experian, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with Experian three times and submitted proof of settlement and payment, but Experian refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to Experian three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that Experian must change the credit report status from " charge off '' to " paid '' or " settlement. ''

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 2016-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2012 STATUS OPEN BALANCE AMOUNT BLANK

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 2017-02-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To : CFPB XXXX XXXX, OH XXXX XXXX RE : Experian To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Experian credit report, which is inaccurate. 

Specifically, the item is for a collection agency ( XXXX ), a collection for XXXX Insurance information was given at point of service, and apparently, the original company never submitted a claim to insurance nor did I receive a bill for this service. More than a year and a half later I received a bill from collections for this service. I was refused an original copy of my service bill ( it 's not even possible to verify I used this company ). The company ( XXXX ) will not even discuss this matter with me as they state it 's been sent to collections leaving me with no recourse or ability to verify I used this service. Shortly after, this bill was sent to the above collections agency and is now showing on my credit report as derogatory. The collections company states they have no information other than the bill ( although XXXX seems to have access to my protected health information, which is a separate legal issue ). The collection agency refuses to work with me ( in fact the owner hung up on me on my most recent attempt to gather information ) and further threatened ongoing negative reporting unless I pay in full immediately ( without further information ). The collection agency is now harassing me with telephone calls since I 've reached out to them but will not give me information to verify this bill. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Experian report showing the derogatory item. 

Sincerely, 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 2015-05-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian has repeatedly released my credit report to XXXX XXXX. I have complained before ( Though CFPB ) and all they do is remove the inquiry. These are account review inquiries and I DO NOT HAVE AN XXXX XXXX ACCOUNT. That is clear from my credit report. I have opted out of marketing emails for LIFE and also have a security freeze on my account. There is no reason for them to release my report without my authorization to a company that I do not do business with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: OK
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 Account 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: OH
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Experian " XXXX XXXX XXXX '' shows that on XXXX/XXXX/15 XXXX XXXX reported a new account under my name, the balance being {$38000.00}. ( Please see attached screen shot ). I never opened an account with XXXX nor did I take out any financing that might be underwritten by XXXX. 
I assume this to be a case of identity theft / identity mismatch. I took it up with XXXX XXXX who could not find an account held by me, XXXX XXXX XXXX referred me to Experian. 
I further discussed the case with Experian, as the account does not appear on my credit report, but only in the " XXXX XXXX XXXX '', I can not file a formal dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been a XXXX customer for almost 2 years now and they are not reporting my payments as required. My report on Experian is displaying ND which means no data. 
I am requesting that they update my Experian report to show OK on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am showing a 30-day late payment on all my credit files for an account at XXXX. The late payment shows XXXX 2014. However, I have been enrolled in automatic payments with XXXX since XX/XX/2014. SEE attached letter from XXXX. This error is on XXXX, not me. I have never had a late payment. PLEASE DELETE A 30-day Late Payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed on my credit report that I have a collection against me on a rental apartment. I never lived there and there is a balance of XXXX dollars. IQ data is the name of the collection agency. The name of the apartments is 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 2016-04-13
Company: TOLL BROTHERS INC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Why do Homebuilders not allow borrowers the right to choose a different mortgage lender than the XXXX they force yo to apply with.? It is unfair practice to force you to use their lender in the process to buy a home. 
Toll Brothers, XXXX, and XXXX XXXX engagin this restricted practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX student loan accounts with the US Dept of Education that were paid in full and settled on XX/XX/XXXX. Experian changed their reports to show that these were collection accounts in XX/XX/XXXX and not in good standing when they have been paid and closed and in good standing since XX/XX/XXXX. I phoned them XXXX to correct the errors. Both times I was told I was being transferred to a supervisor and got sent to a mailbox with no name and no supervisor called back. I also uploaded my documents to their website verifying these loans were paid XX/XX/XXXX and again spoke to someone today who said they would be updated properly. I just received the results of the investigation saying the accounts were updated. They now show as black marks with XXXX ( no data for months XXXX XXXX XX/XX/XXXX and a red mark and a c for XXXX which is the code for a collection account. They are still reporting inaccurate information and seem to have no interest in correcting the error and appear to be deliberately playing games. I have wasted numerous hours on the telephone with Experian representatives and scanning and uploading documents trying to correct accounts that were closed almost XXXX years ago. This is extremely XXXX and unnecessary. Why are they reporting inaccurate information. They had the information accurate until a week ago. When I tried to speak logically with their reps asking how accounts that were showing closed and paid in full could suddenly be closed again and in collection XXXX years later they would only reply that was information given to them by the creditor I have had a massive headache for XXXX days and do n't know what else to do. This is such a waste of everyone 's time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I ca n't get ahold of experian I never agreed to a monthly credit monitoring and they have charged me XXXX for 6 months and I want my money back. I was misled by them. I thought my credit report was free. I was able to log in and cancel my membership. I do n't get a paper statement from my bank so I never checked it. I am so mad!!! 

Thank you XXXX Ohio

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 monetary relief
Consumer complaint received 2016-09-04
Company: Alliance Collection Agencies, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I visited a clinic run by XXXX XXXX in XXXX XXXX. I paid in cash for a throat culture. At the time I was living in XXXX. 
In XXXX XXXX I moved to the US and continued to use XXXX XXXX in XXXX for several things, paying in full with their online system. 
In XXXX XXXX I was moved back to XXXX by my company. I called XXXX and ensured all bills were paid. Everything was ok. 
In XXXX I received a bill for the visit in XXXX XXXX. I called to dispute it. In XXXX XXXX they turned it over to a collection agency. When I called this time they said they had been trying to collect since XXXX XXXX. When I proved further the lady on the phone said that the throat culture test I had did n't even cost this much and she would look into it. She never came back to me. I followed up in writing using their online system. They said they do n't have a record and as I did n't save the receipt ( from nearly 2 years ago ) I needed to pay. 
I followed up again with them and the collection agency to discuss in XXXX. Neither had record of the bill. 
Now in XXXX XXXX I am being contacted by another collection agency to pay this 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 2016-07-23
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This was removed from my credit report per the above mentioned dispute. It was then sold to another collection agency and again put back on my credit report. I filed another dispute ( Confirmation # XXXX ) and they have refused to remove the information that they had already once deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Prior to receiving Earning Withholding Order ( Wage Garnishment ) from this law firm, attorney for : CAVALRY SPV 1, LLC also showed as plaintiff sent a letter to my office where I am a XXXX. As a result of this, my office contacted me to response to this matters. Since I have no knowledge to this issue nor who the originator / party involved. I am hereby request for your assistance as I strongly felt this is a false claim and possibly identity debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: ORG GC GP Buyer, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Charged {$320.00} in overdraft fees because my account was showing I had more money than what was available and the bank said it 's because some items were pending and the charges occur often the items go through regardless of the order of the purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My dispute is with Equifax. I have a public record on my credit report that is mine but it shows as XXXX separate public records when there should only be XXXX. A duplicate. I disputed and their findings was that it was mine. I then called them and explained that my dispute was not whether it was mine or not but that it is a duplicate with the same case number, amount, etc ... that shows as XXXX different public records. The person I spoke with told me he would file another dispute on just XXXX of them and put in that it was a duplicate and gave me this dispute number XXXX. Within a few days the results from that is that it is mine and they ignore that both of my disputes is that it is a duplicate showing as XXXX different public records when there is only XXXX.

Company response to consumer: Closed with explanation