BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, 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:
Equifax, XXXX  and XXXX  are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything. 

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing. 

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NC
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  XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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

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 2022-07-11
Company: EQUIFAX, INC.
State: NC
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:
This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed of my responsibility to pay an open collection of {$340.00}. There is also a closed collection that I never knew about, or closed for that matter. I recognize the name of the creditor, as he treated me when I was XXXX. At that point in time, I was completely XXXX. However, I was never made aware of this debt until viewing my credit report for the very first time. This egregious manner of handling an unpaid bill is downright unfair. Thankfully, I am now a healthy and proactive individual that would like to get his life truly started. I would like to have my first credit card, but I can not acquire anything but a secured credit card with my " collections '' on record. I have no problem when it comes to paying a bill, I 'd just like to be notified when a balance is due. It bears repeating that the manner in which I acquired this debt is nothing short of insidious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have had a very difficult time with SPS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. When I finally was approved I unfortunately was unable to make trial payments because I got furloughed. When I reapplied SPS said I was not longer eligible for a loan modification. When I called them and asked to fo a short sale they told me I was not allowed to apply for a short sale. Then SPS placed a foreclosure sale date on my property. I simply want to avoid a foreclosure and move on. A foreclosure will destroy my credit for 7 years, and will cause me another major hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: AL
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 sent a request to XXXX/XXXX/Experian to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting 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 2022-07-11
Company: EQUIFAX, INC.
State: IL
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax continues to report unverified accounts and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, 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:
XXXX  AND EQUIFAX ARE REPORTING ACCOUNTS THAT WERE DELETED OFF OF MY XXXX REPORT AND IT'S HURTING MY CHANCES OF BUYING A NEW HOME FOR MY FAMILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: FL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: IL
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 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 explanation
Consumer complaint received 2022-06-15
Company: Nelnet, Inc.
State: MO
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:
Account balances with Nelnet were reduced to XXXX due to the government and the class action on schools who defrauded customers. They have partially removed some of the balances however they still are showing 2 accounts with balances that should be XXXX. I have attempted to contact them multiple times to only get a run around. I have also prior to the Load discharge, had filed bankruptcy which the loans were listed, they also refused to acknowledge this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm getting a variety of calls from a variety of phone numbers, some of which I 've traced to be Tek Collect. No one speaks and they leave empty voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOMEONE MAY HAVE USED MY PERSONAL INFORMATION TO RENT AN HOUSE IN XXXX FLORIDA. THERE ARE SOME MISTAKES THAT CAN HELP THE CREDIT COLLECTOR TO SEE THOUGH THIS SCAM FOR WHAT IT IS BUT THEY REFUSE TO REMOVE THE ITEM FROM MY CREDIT. 
1. NEVER LIVE IN THIS ADDRESS AND NEVER SIGN ANY LEASE IN PERSON OR ONLINE. 
2. MISSPELLING MY FIRST 3. NOT MY SIGNATURE ON THE LEASE AND I DON'T KNOW ABOUT IT. I'LL SUMMIT MY MORE PROOF ON YOUR REQUEST. 
Creditor : XXXX XXXX XXXX XXXX Credit collector : Fair collections & outsourcing Account # : 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 2020-03-06
Company: AMERICAN EXPRESS COMPANY
State: LA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two large item with my AMEX card because of the extra benefits that came with the purchase. In XX/XX/XXXX I purchased a riding mower for {$2500.00} with the card and it was cover by Amex purchase protection and extended warranty. from the beginning I had problems with the purchase and could not get it returned to the manufacture nor get it repaired because it was out of state. There was no repair shop within 200 miles to repair the unit, so I filed a dispute with AMex of these issues and hopes they would permanently credit my account.

Second, when I received a temporary credit I went ahead and ordered a different model riding mower costing me {$2600.00}, low and behold within two week the mower would not crank and they had to send someone out to try and get it to work, at that time I told them I just purchased it brand new and did not want to deal with a mower being in a shop for a month, that I prefered a swap out or my money back, the manufacture said they could not do that because it was a large item. So I called amex and told them of the story and I was advised to file yet another dispute under amex satisfaction policy to get my money back and we did for this mower also. to recap both mowers fall under amex policy for buyer dispute and warranted a claim and i followed proper procedure. Well, after filing both disputes with the help of amex there was a total of {$5100.00} in disputes that amex said i qualified for to be credit back to my account based on their policy and the benefits of my card. Several months pass by and I then start to receive bills with these large min. payments due, when I call amex I am told that the disputes were credited back and I had to resubmit them even though amex rep. submitted them with me, so I resubmitted the disputes. After doing so, amex then started saying my auto payment checking account was not working and was being declined by XXXX XXXX, I went to XXXX XXXX and got a letter to prove that no checks were ever NSF from XXXX  and amex still blame my account for the returned checks. A month later, I received a letter from amex saying my account was closed due to returned payments from my checking account at XXXX XXXX, even though they had proof of my statments and letter from the bank. I was with amex since XX/XX/XXXX. after the account was closed amex then sent another letter demanding full payment of both disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caci has been calling me, sent me a bill, and also put a collection on my credit report. All of this after I told them on the phone the debt was paid in full to the original creditor. I also called the original creditor to verify again this was paid in full. I was told yes and that they had already told Caci this was paid and to stop collection. Caci has not stopped and has put a collection on my credit. When I called Caci and spoke to XXXX, no one could tell me why it was put on my credit. And I would get an email in 3 days saying it was paid. I still do not understand why this put on my credit when it was paid in full.

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 2016-11-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Moved out of apartment due to condition of carpet from previous owners having pets ... contacted management on several occasions and was told I could move without any penalty!

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 2022-07-11
Company: EQUIFAX, INC.
State: NC
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  XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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

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 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 acct number XXXX was to be removed from my credit report in it 's entirety by XXXX XXXX per my old XXXX credit report. 
this account is still being reported today after several disputes. the credit bureaus have verified the account or the credit bureau has claimed to have processed my dispute. 

also there is a lein that was released back in XXXX XXXX this is not being reported by the court or recorders office. thus the credit bureau should not be maintaining this record. after sending certified letters to both XXXX and the credit bureaus on XXXX/XXXX/XXXX concerning these accounts I have been ignored. 

I continue to incur damages as a result of the credit bureaus reporting. denied a home loan.

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 2020-03-06
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:
XXXX, XXXX  and Experian are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything.

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX  ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing.

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging 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 2022-07-11
Company: EQUIFAX, INC.
State: FL
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 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 an account without my written instructions

Company response to consumer: Closed with explanation