BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: OR
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:
Upon checking my credit report, I Was shocked to see a slew of inaccurate information reporting onto my credit. This info has severely crippled my ability to obtain credit, housing, or even an SBA Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On numerous occasion I have contacted  TransUnion LLC. a bout inquires on my credit report that were deleted and added back to my credit report without my knowledge. I spoke with an agent on  XXXX / XXXX / XXXX  who admitted that there was a glitch in the system in which everyone was effected but refused to remove the inquires listed below from my credit report. She stated that I needed to prove that I had been effected by the glitch and when asked to produce information that stated I was not she could not produce the information.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   duplicated should only be listed once )   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 2022-02-26
Company: Experian Information Solutions Inc.
State: OR
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:
Upon checking my credit report, I Was shocked to see a slew of inaccurate information reporting onto my credit. This info has severely crippled my ability to obtain credit, housing, or even an SBA 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 2022-02-26
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
CFPB COMPLAINT NUMBER XXXX WAS NOT COMPLETED WITHIN THE 30 DAYS AS REQUIRED BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: CA
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:
Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I did not consent authorize nor benefit from the following inquires please block and remove them immediately. I have attached a FTC Report with all of the inquires listed that i want removed.

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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Trans Union LLC XXXX XXXX XXXX XXXX. Box # 2000 XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX  XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You

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 2022-07-08
Company: EQUIFAX, 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:
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 acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX acct # : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A 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 2022-07-08
Company: ONLINE Information Services, 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 have spoken with XXXX XXXX to request that they investigate and review Account # XXXX. I have not received a reasonable resolution at this time. 
I am contacting you because you are claiming that you have compeleted a reasonable investigation with the furnisher of this information and verified the account listed below as reporting 100 % accurate. However, I am not accepting ownership of this account as I have been incarcerated through the Florida XXXX XXXX XXXX since 2016 and I have attached evidence of the sentence and also an Identity Theft Report to this complaint. 
Since you have failed to correct the reported errors. I W.E a consumer, and natural person, am aware of all rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). I demand that you immediately delete the inaccurate information from my credit report as I am in the process of re-establishing my credit and taking care of my responsibilities. This is causing further hardship and progress to me having the opportunity of a fair chance in establishing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
these XXXX have been calling our phone # for over 2 years for some woman named " XXXX XXXX '' not anyone to do w/us, not us, and they refuse to go away and say you are lying they are attorneys sometimes they say they are the police, and they know " where you live. '' They are absolute XXXX. Sick and tired of them calling, threatening. You can not get rid of them, they are garbage that should be in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Last year I started at XXXX full time. Through the course of the first term there was a HUGE hacking breach on all my devices. I've tried reaching out to them multiple times to the school regarding it with no rectification. ( mind you they have a government funded hacking program ). Its caused ALOT of XXXXXXXX XXXX as well as XXXXXXXX XXXX problems including being XXXX  numerous times for weeks on end. 
I had to withdraw classes. I did try however to go back in the fall- with the same issue reoccurring. 
As of right now my husband who is a veteran did reach out to an attorney and the XXXX regarding it. 
At this point I think is extremely unfair to demand payment of classes from school who was involved in turmoil to my health. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: MD
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 did not benefit nor authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, Pursuant to 15 USC 1681b ( a ) ( 2 ), I did not give Equifax permission to furnish this information onto my consumer report. This is a violation of the Fair Credit Reporting Act Section 15 USC 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Financial Business and Consumer Solutions.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
A company called FBCS is trying to collect on a debt from 10 years ago on behalf of XXXX XXXX. A debt that no longer exists. I have double checked my credit report and this debt is non-existent. I explained this to them today and claim they will " remove '' the account. We will see. They have called numerous times, but I gave them the run around until I could verify it was a legitimate company and not just a scam. Surprisingly it is a legitimate company trying to collect an illegitimate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I was under a trial period for a loan modification with my prior servicer, XXXX. In XX/XX/XXXX, my loan was sold to Selene Finance, who indicated that they would honor the possible loan modification, after review, and that I needed to continue to send them the trial payments until I was contacted further. I made several calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then started again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Finally, XX/XX/XXXX, I received documents from Selene for a loan modification. Back in XXXX XXXX, I was in need of assistance. I filed the proper documentation to seek any help. I was denied, due to the fact that the previous loan mod was done within 24 months ( FHA loan ). Long story short, I argued with Selene and then hired an attorney to help me. The paralegal handling my case, had a conversation with one of the managers at Selene on XX/XX/XXXX who indicated that I was not eligible for a repayment plan but that I could re-apply for a possible loan modification, since the 24 month period would be expiring. I have a copy of the paralegal 's notes stating same. When I spoke to this supervisor, he indicated that he would never have said such a thing and that he had reviewed the tapes from that day and there was nothing on them stating that. I did ask to hear the tapes, but I was told no. I then tried to appeal their decision and was told that I had no right to appeal, since my loan mod was done in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: CA
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:
MY name is XXXX XXXX XXXX, I live on XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX  XXXX, ca XXXX, I have one fraudulent account reporting on XXXX, XXXX, Equifax, I never received the credit card from XXXX, account number is XXXX. 
I contacted XXXX on XX/XX/2015, and explained to them that I never applied for XXXX and never received the credit card, and asked them to remove it from my credit bureaus and I asked them to send me evidence that I used this card, but they refused to send me any documents to prove their merits.please contact the three credit company and block and delete this fraudulent account. This account was opened on XX/XX/2015, with fraudulent balance of {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: IL
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 sent several letters to XXXX over the course of the last 6 months. I have provided copies of my consumer report as well as identified inconsistent and erroneous information that should not be on my report and they have yet to sufficiently respond. I have asked specifically for original contracts with wet signature. They keep sending computer generated responses instead of actually doing an investigation. They fail to answer any of the questions in my disputes which proves they are not even reading the letters. I sent sent them specific laws listed in the FCRA that they have failed to abide by and they again have not done anything about it. This is damaging to my report and harmful to my consumer reputation. I have been denied credit due this this incorrect information being furnished on my report. It needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Selene Finance LP
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX filed a foreclousure claim against me on XXXX. Since then I had tried to resolve this issue and requested a modification of my loan under harp program. Since then I do have suffered almost all the bad mismanagement and horrors stories that you already know from other persons. My file of monthly requested financial information filed to XXXX and their service agents XXXX is like three inches tall and even though the Judge from XXXX Florida instructed them to resolve my case last year byMay XXXX and the diligence of my legal representative XXXX they never modified my loan. On or about XXXX XXXX i did decided to accept a very bad trial payment period of three months for which I did paid {$2100.00} each month up to XXXX XXXX. After my second payment XXXX changed their service agent from XXXX to Selene Financial and I do have made all my payments up to XXXX XXXX but Selene had not do anything to complete my modification request evaluation. Furthermore on XXXX XXXX they provided XXXX and XXXX information that I am delinquent for over 180 days which is totally incorrect and is hurting my credit score. I need your help to make Selene and XXXX finally evaluate and make me a reasonable modification offer under harp program or their own in house progrms on a timely manner. I am also suffering since XXXX XXXX and lost my wife because of XXXX XXXX and have been making all my efforts and sacrifices to resolve this issue and XXXX XXXX XXXX, XXXX and now Selene Financial have proven to be impossible to move forward even thoth the intervention of the Judge. My only hope is all the help you can provide me, thanks to all of you and Congress XXXX XXXX for their fights againts this abusive financial firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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:
Experian and XXXX is reporting inaccurate information to my credit report for the following account. 

XXXX XXXX XXXX - ACCOUNT # XXXX Inaccurate information : Late Payment ( XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ) I have contacted both Credit Bureaus with request to " delete inaccurate information ''. The creditors response was they have " verified '' and " updated '' the information. However, according to my credit report, the information was never verified nor updated. 

Please see attached files photo copied ( Screenshots ) from their respected website on XX/XX/XXXX. It will show that the account has not been updated since XX/XX/XXXX. 

The creditors are in violation of my consumer rights under the FCRA 15 U.S.C. 1681 - U.S. Code in which the credit bureaus must report accurate, verified, and complete information. 

This violation includes negligence, willful noncompliance, and defamation inhibiting my ability to obtain credit.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Same account was Re-inserted. Comments inaccurate. This ground for removal they also violated my rights under I WANT THE FOLLOWING ACCOUNTS ON ALL XXXX BUREAUS DELETED OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX -XXXX  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 2022-07-08
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act 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

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 2018-03-16
Company: MARSH ASSOCIATES, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX continues to call me about a debt that is not mine. They are calling the wrong person. I have told them this multiple times, yet they continue to call. This has been going on for almost a year.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-14
Company: ARC Management Group, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have never heard of the agency ARC reporting derogatory marks on my credit report and they seem to be a third party and I am filing a NO CONTRACT Dispute. Please investigate as the information reported is false and remove from my credit report.

Company response to consumer: Closed with explanation