BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am also showing incorrect employers of XXXX XXXX and XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
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 an account without my written instructions Transunion has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of the bankruptcy of any credit bureau. There are several accounts that are associated with the bankruptcy that is showing on my credit report that needs to be removed. I have included a PDF that shows everything highlighted that needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : CREDIT XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : AAA ) Account # XXXX Account Name : ( Original Creditor : ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: IN
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, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX 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 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 2023-03-20
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative information on my credit report that has been affecting my credit score. Upon reviewing my report, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I did not authorize an inquiry by XXXX XXXX, XXXX on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Secondly, I have no recollection of belonging to an account with XXXX XXXX XXXX, account number XXXX. Therefore, it is not possible for you to update this account, and I request that you remove it immediately from my credit report. 

Thirdly, I would like to dispute the accuracy of the reporting for my XXXX XXXX  account, account number XXXX. To the best of my knowledge, this account has never been paid late, and the reporting is completely inaccurate. I urge you to update this account and delete the incorrect information immediately. 

Fourthly, I have no recollection of belonging to an account with XXXX XXXX XXXX, account number XXXX, and Fifthly, XXXX  XXXX XXXX, account number XXXX, and Sixthly, XXXX XXXX account number XXXXXXXXXX. Therefore, it is not possible for you to update these accounts, and I request that you remove them immediately from my credit report. 

Seventhly, I did not authorize an inquiry by XXXX XXXX, XXXX XXXX  on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Lastly, I can not recognize the business XXXX XXXX, account number XXXX, and I request that you investigate this account and delete it from my credit report if it does not belong to me. 

I hope that you will take the necessary steps to correct these inaccuracies in a timely manner. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax is choosing not to update my credit balance with XXXX XXXX. They are leaving the balance on my account as {$4100.00} which is not true. I reached out to XXXXXXXX XXXX and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. 

Equifax is also reporting the wrong information for XXXX XXXX. My balance with XXXX XXXX  is {$3700.00} and my credit limit is {$8000.00}. Equifax is dismissivie of the documentation that I have provided to them. 

I just spoke to XXXX a Manager at Equifax with ID # XXXX and she told me that I would have to file another dispute in order to address my concerns. I have filed two complaints with no success. This manager basically told me that they are not going to change any information nor will they contact any creditor. She went on to say that once the creditor updates them then they will make the change. I informed her that I submitted proof that I had a XXXX balance with XXXX and my credit limit on my XXXX XXXX  card was not reported correctly. 

It is clear as day that Equifax did not attempt to contact XXXX XXXX  nor XXXX XXXX. To further support the previous statement, XXXX XXXX  to {$0.00} being owed to them and {$3700.00} with XXXX XXXX  which is owed to them with a credit limit of {$8000.00}. 

Historically Equifax has been dismissive of any concerns. I just realized today that I could actually file a complaint on Equifax. So, XXXX XXXX  nor XXXX XXXX  is not the problem. I have never had a problem with them. It is the tactics of Equifax which is the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX Disputed inaccurate late payments with Experian for my accounts listed below : XXXX XXXX Acct : XX/XX/XXXX ( 30 days late ) *XXXX  acct XXXX $ XXXX-balance ) XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30days late ), XXXX ( 30days late ), XX/XX/XXXX ( 30 days late ), XXXX ( 30 days late ) & XXXX ( 30days late ) *XXXX  acct ( {$4200.00} balance ) XXXX ( 30days late ), XXXX ( 30days late ), XXXX ( 30days late ), XXXX ( 30days late ), XXXX ( 30days late ), XXXX ( 30days late ), XXXX ( 30days late ). The results stated that these late payments were updated on my credit report but it did not contain how this information was obtained or verified. According to the FRCA LAW, credit bureaus are to report accurate and verified information. Because they are falsely reported derogatory information on my credit report I want these late payments removed and updated as paid as agreed. After reviewing my credit reports with Experian, XXXX, & XXXX I noticed that all three bureaus are reporting inaccurate derogatory information on my credit report. They are also not following the proper payment history legend which consist of the pattern of 30,60,90,120 & etc. I will be uploaded documents as proof of this illegal activity on 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 2023-03-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages ... the first mortgage is up to date and the 2nd mortgage is in bankruptcy, Citizens Bank is taking my first mortgage payment and applying it to my 2nd mortgage that is in bankruptcy and I have made them aware several times. Now they are holding over {$3000.00} as Unapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ... 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 reports 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 2023-03-21
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:
XXXX XXXX is reporting to Equifax unpaid debt. That identify as theft and identity theft. This account was fraudulently open in my name. I have submit it a police report to Equifax several times also a copy of my ID several time sent certified mail. I am asking for a verification of my signature, which was show that I signed for this account. They have no authorization of my signature of this account or verification of my signature of this account. I would like this account remove with 14 days. which is hindering me from accessing homes hinder me from taking care of my family. This has been something. that left me in XXXX. Equifax has still has not verified my signature for this account. They are violating my rights under the fair credit act as a consumer. I have the right to see verification of my signature for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent an investigation request to Equifax about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to Equifax happened 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681n ( a ).

I will attach a copy of the sent investigation request letter.

I will attach a copy of the invoice for the violations of each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX XXXX 15 U.S. Code 1681c-2, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Delete These accounts IMMEDIATELY! 

XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : **** XXXX XXXX. Account # : **** XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( collection account ) Account # : XXXX XXXX XXXX XXXX. ( collection account ) Account # : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION to the consumer which it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am DEMANDING the deletion of the accounts listed above IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureau to do a verification for the following accounts and to furnish supply original contracts and the rights for these agency to collect in my state. The credit bureaus have only verified electronically without providing proof and has failed to do so in the time allowed. 
XXXXXXXX XXXX XXXX XXXX  {$590.00} acct # XXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$1000.00} acct # XXXX XXXX XXXX XXXX {$860.00} acct # XXXX XXXX XXXX  {$990.00} acct # XXXXXXXX XXXX XXXX  {$650.00} no acct number displayed XXXX XXXX XXXX XXXX {$1000.00} no account number displayed In accordance with the Fair Credit Reporting Act all of these companies have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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 and Equifax has listed a medical bill on my account of {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Atlanticus Services Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX we had 4 charges to XXXX for {$100.00} each then on XX/XX/XXXX we had 2 more charges of {$100.00} each to XXXX for {$100.00} each. We immediately reported it to Fortiva. On XX/XX/XXXX they sent us a new replacement card, and on XX/XX/XXXX they sent us a Fraudulent Charge Affidavit that we did not receive until XX/XX/XXXX in the USPS. I called twice to check on when to see if it was coming and they said it was to take 10 business days. It came on the 11th business day. It said it had to be filed within 14 days of the original date of the letter. It could be filed by fax or email but they could not send it to us by Fax or email to sign. Then after we filed it they acknowledged it they sent us a letter saying since we filed the fraudulent charges our account had been canceled. We had the card for over a year and never missed a payment. In going through our statements we also found we had been charged Credit Protection fees totaling {$52.00} for the period we had the card from XX/XX/XXXX to XX/XX/XXXX. It was optional insurance that we never signed up for but in the fine print they automatically signed me up for it and it was up to me to get in touch and decline it or they would charge me for it which they did. This is surely a scam to cower me into just paying the fraud to avoid a black mark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: PA
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 identify theft. There are 3 items on my credit report from cell phone carries XXXX, XXXX and XXXX. I think it may be someone in my household and I would like a block on my social security number and from new accounts being open in my name.

Company response to consumer: Closed with explanation