BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX, ACCOUNT # XXXX ) and ( XXXX XXXX XXXX, # XXXX ) broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, Equifax who are furnishing inaccurate and unverified information on my consumer report. 

Proof of inaccuracies is attached example date opened ( XX/XX/XXXX ) on ( XXXX ) but on ( XXXX it XX/XX/XXXX ) date last active ( XX/XX/XXXX ) on ( XXXX ) but on ( XXXX it XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or Equifax the permission to furnish this report I demand that they delete this account from my consumer report. 

in accordance with the fair credit reporting act XXXX  ( ( XXXXXXXX XXXX XXXX, ACCOUNT # XXXX ) and ( XXXXXXXX XXXX XXXXXXXX, # XXXX ), have violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 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
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, a debt collection company XXXX XXXX placed a {$290.00} collection account from XXXX on my credit report. During the summer of 2017 I moved out of an apartment into a house. At the time we had XXXX and want to transfer our service, but unfortunately where we were moving XXXX wasnt fully available we could only do internet at the new house no XXXX XXXX. A few weeks later after everything was changed and we moved, I was getting bills for my service at my old apartment. After many phone calls trying to explain to a few different XXXX reps, that I moved my services to a new address and was only able to keep the internet not the cable package we previously had, I was told this would be corrected and not to worry. Which the reason this even occurred was due to XXXX fios beng separate from regular XXXX at least thats what I was told. Now 5 years later some credit reporting agencies slaps this on my credit report, they havent even tried to make contact with me! Ive have spent enough wasted time dealing with XXXX and their horrible customer service, this is a clear example how they dont care about their customers. Thanks to this inaccurate collection item my score dropped almost XXXX points. After spending years to bring it up, truly unbelievable. Oh and also thanks for nothing to Experian for taking 3 days to try and resolve a dispute going back 5 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: DataMax Corporation
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  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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 XXXX XXXX acct # XXXX {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX acct # {$2700.00} ( Original Creditor : XXXX XXXX  ) or XXXX XXXX XXXX acct # XXXX {$800.00} XXXX XXXX XXXX ACCT # XXXX {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
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: Information belongs to someone else

Complaint:
I downloaded the app XXXX XXXX  yesterday for the first time and I noticed I had several accounts that didn't belong to me. So, I decided to pull my report and I noticed several accounts that are not mine. XXXX XXXX {$11000.00} XXXX  XXXX {$900.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX {$88000.00} XXXX XXXXXXXX {$21000.00} XXXX XXXXXXXX {$320.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
Santander is still reflecting a balance on my credit report although the account was paid in full on XXXX XX/XX/2020. The balance should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing these debts to the collection agencies and the credit bureaus advising that this one apartment they are collection on was obtained do to identity theft. I have provided police reports a letter of identity affidavits explaining these are not my debts. I have never stayed at this location or allowed anyone to use my information. XXXX XXXX XXXX, ( XXXX XXXX XXXX ) Acct # XXXX & Pro Collect ( XXXX XXXX XXXX ) Acct # XXXX. XXXX XXXXt XXXX is collecting the debt for {$1700.00} Pro Collect is collecting for {$1700.00}. PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. Please have them provide the application on file for this debt to where CFPB will see that these two agencies are collecting for XXXX at XXXX XXXX and XXXX at XXXX XXXX these are the same apartment complex the name changed from XXXX to XXXX at XXXX. The address for this complex is XXXX XXXX XXXX XXXX, XXXX, FL XXXX phone number XXXX. The Florida law indicate only one agency can collect on a debt this is double jeopardy for 2 agencies to collect for this same debt. I spoke to the credit bureaus and they said since the agencies have 2 different account numbers it shows as if they are collecting on different debts when in actuality it 's the same debt they are 2 agencies different entities that are not the same company however tied into the same debt. I am requesting that these agencies remove this false information off my credit or at least one agencies is required to stop collecting this debt.

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 2019-11-21
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 a fraud alert was placed on my Equifax report. I did not request this fraud alert. THIS CAN NOT BE REMOVED VIA THEIR WEBSITE. I have sent three handwritten letters to Equifax containing more than the information they requested. I keep getting letters back saying that they could not verify my identity. I have sent my drivers license, social security card, four utility bills, and my paystub. This company simply refuses to remove the fraud alert from my credit. Attached is everything I have sent to equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am being charged {$310.00} a month in interest, where I signed up for 0 % payment for the last five years my balance went from XXXX to XXXX all in interest on XXXX  payment income agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have submitted several request to XXXX XXXX  and Experian as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer in the mail from discover for a credit card that included an intro APR of 0 % for the first 6 months. After I applied, they said they would be able to offer me all of the same terms for the credit card, with the exception of the 0 % intro APR. I called Discover to find out why this happened, after transferring me to 3 different departments, they claim that a few issues with my credit is why they weren't able to approve my original offer. This does not make sense to me as every other term remained the same, even the credit line amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/19, i bought a headset from one of the seller on XXXX, she told me she want me to pay her through XXXX XXXX instead of paying through XXXX XXXX because she wanted the money quick so shell have money to ship out the products. Me being stupid and not thinking it through paid her {$50.00} through XXXX XXXX. After i paid her she told me she couldnt ship the product out because the post office is close on sunday so i trusted her, she told me shell send it the next day. I waited and texted her and she told me that she already sent the headphones to me, and told me that it will take 2-5 business days. When i asked for a tracking number, she said she doesnt have one and will go the next day to get it and send the number to me, but she never replied after that, i waited for a week and still didnt get my headphones. I tried requesting my money back through XXXX XXXX but she denied it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
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: Account information incorrect

Complaint:
I have submitted several request to Equifax, XXXX XXXX XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have submitted several request to XXXX Transunion and XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Securus J Holdings, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I live in Florida and my only brother is incarcerated in a FDOC state prison, and the only way to send money for him to be able to purchase the BASIC human necessities, which are not provided, is through Jpay, and now they have a unfair rule you have to be on the inmate 's approved visitation list just to simply send money to a loved one. Not only do they XXXX us with unfairly high fees, now this. I am frustrated with this broken system and everyone turning a blind eye to the suffering of people incarcerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Resurgent Capital Services L.P.
State: TN
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 applied a debt that is my fathers and took me to court in XXXX. I went to court and told them it was not mine. In XXXX, I received another summons in relation to the debt. I had my lawyer get involved. She sent them a letter on XXXX XXXX, XXXX tellling then they had the wrong person nd to remove the vdebt from my information ( as well as calling them telling them the same information ). On XXXX XXXX, XXXX, XXXX XXXX filed a garnishment in court for this debt. I debt not receive this information until XXXX XXXX, XXXX because I do not and have never lived at the address listed in the information. Since that time, my lawyer has repeatedly called and been told the garniment will be removed and the money returned. It is XXXX XXXX and the garnishments continue and the money they have taken is now XXXX for a debt that is not mine. A debt that the third party collection company ( not the original owner of the debt ) attached my ssn to because my father and I share the same first name. They have all the information from my lawyer ( including my fathers information to pursue the debt from him ). They were told the debt was not mine in XXXX and never sent any information to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I have submitted several request to XXXX, XXXX and XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XX/XX/XXXX payment history on credit file show XXXX having been 60 days late. Date of first delinquency XX/XX/XXXX payment history on credit report has XX/XX/XXXX being the first reported delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on forbearance through the company during the Covid-19 pandemic. I tried to resume payment XX/XX/2021. Flagstar refused my paperwork six times and everytime with a different excuse. I wanted to refinance my home to take advantage of the low mortgage rates. I needed 3 consecutive months of payments. Flagstar held my payments in suspense to keep me from refinancing and discriminating against me. They finally accepted my paperwork once the rates went back up over my current rate. Flagstar lied and said the county did not record my title and they did. They lied and said they did not recieve my paperwork. They also said it was lost and it takes time

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 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly a collection of {$3600.00} on the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account has a {$0.00} balance and a request to remove these line items from my credit report was requested on XX/XX/2019. I have also attached a copy of the letter from XXXX XXXX showing this account has an amount due of {$0.00}. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: PA
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 some accounts on my credit report that is a result of identity theft I've disputed it and also sent in my FTC identity theft report to let them know and they didn't even give me any results or investigate the account correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 some accounts on my credit report that is a result of identity theft I've disputed it and also sent in my FTC identity theft report to let them know and they didn't even give me any results or investigate the account correctly

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