BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX acct # : XXXX I am writing to formally file a complaint regarding persistent inaccuracies and incomplete information on my credit report held by Equifax. Despite assurances of account " verification '' and accurate reporting, the data remains incomplete, inconsistent and inaccurate across the credit bureaus. Additionally, my previous request for original documentation, including signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation. 

Contrary to claims of a thorough verification process, the following discrepancies persist on my Equifax credit report : XXXX Credit limit : No information reported. 
XXXX. Amount past due : No information reported. 
XXXX. Date of last activity : No information reported and discrepancies across the XXXX bureaus, Equifax and XXXX. 
XXXX. Deferred payment start date : No information being reported. 
XXXX. Balloon Payment date : No information being reported. 
XXXX. Scheduled payment amount : No information being reported. 
XXXX. Charged-off amount : No information being reported. 
XXXX. Date closed : No information being reported. 
XXXX. Date Last Active : Discrepancies across the XXXX bureaus, Equifax and XXXX. 
XXXX. Payment History : Discrepancies are noted across the XXXX bureaus, Equifax and XXXX. For the months XX/XX/2017 thru XX/XX/2017, there is no data being reported for Equifax. XXXX, on the other hand, has me listed as current with payments for those same dates. This information is inconsistent, incomplete and inaccurate, contradicting the earlier claim of a thorough investigation and verification. Also, this account seems to still be reporting when it has been closed/charged off years ago. 

Attached are screenshots from Equifax and XXXX showing the incomplete, inconsistent and inaccurate information being reported. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inconsistent, inaccurate and incomplete. Instead of requesting a re-investigation, I am demanding the removal/deletion of this account from my Equifax credit report. 

Enclosed, please find supporting documentation highlighting these inaccuracies for your review. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under section 604 15 U.S. Code 1681B, section 605A 15 U.S. Code 1681C-1, and Section 605B 15 U.S. Code 1681 C-2. 

XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXXInquiry date XX/XX/XXXX XXXXXXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXInquiry date XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 : also states a consumer reporting agency can not furnish an 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 2022-06-25
Company: EQUIFAX, INC.
State: TN
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 XXXXXXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, and XXXX XXXX account XXXX : XXXX 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 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
Consumer complaint received 2022-11-28
Company: Westlake Services, LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my Westlake account. 

I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record. 

Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am a single mom with XXXX children, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

Thank you for your consideration, and I hope youll approve my request. 

Best, 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 2022-06-25
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 Account # 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 2022-06-06
Company: Shellpoint Partners, LLC
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:
Our loan was previously serviced by Ditech. They fraudulently assessed fees on to our account and did not apply payments to our account. We went to court about all of this and the fees were removed but the credit report was never updated. In XXXX of XXXX, Shellpoint/NewRez took over the loan. At the time they took over the loan Ditech records showed the account was XXXX months behind. So every payment they received from us, they would apply to the previous month because their records showed we were behind. The account was not XXXX months behind. They never applied our XX/XX/XXXX and XX/XX/XXXX payment to the account. We have been trying to refinance our mortgage and take cash out to remodel our 2nd floor. We have been trying since XX/XX/XXXX. Every mortgage company that says they can help us, ends up not being able to proceed because of all the late marks on my credit report. On XX/XX/XXXX, I had a conversation with a supervisor from Shellpoint/NewRez who did in fact confirm she sees all the fees assessed to the account and then months later they were removed because we took them to court. The supervisor explained to me that they were only responsible for the loan from XX/XX/XXXX through the present. She said if I submitted paperwork showing that the payments were on time they should be able to correct the late marks on their end. She sent me the full mortgage history document and I went through and compared all the payments with the mortgage history. The XX/XX/XXXX and XX/XX/XXXX payments were never applied to the account as a regular payment which is what made the account XXXX months behind. I provided Shellpoint with copies of my bank statement showing the payments were in fact deducted. I submitted an online dispute with all 3 credit bureaus and submitted the information for their review. Not to mention the credit reports are not even up to date. They only show payments through XXXX of XXXX. I need the report updated through XX/XX/XXXX so that my account can reflect XXXX  months of on time payments and I can refinance and get away from this nightmare. No one will help me. I don't know what else I can do to get this updated or to get the late marks removed from the 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX  XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX , XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-25
Company: Patient Accounting Service Center
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection company Arstrat sent collection letter to me dated XX/XX/2022 saying that XXXX  XXXX placed an account with them to collect a medical debt that was allegedly mine. I in turn sent Arstrat a letter on XX/XX/2022 certified stating that they needed to provided me written proof with a wet signature that this debt first belongs to me and second that I signed stating that I give XXXX  XXXX permission to give my information to a third party, which I didn't. I received a letter back from Arstrat on XX/XX/2022 stating that their office was in receipt of my letter of dispute and said that they reached out to Texas XXXX who confirmed my information and has attached billing information with medical explanation and cost. This first did not comply with my request of a wet signature contract, second they violated my HIPAA rights based on 42 USC 1320d, where as I didn't give permission to XXXX XXXX to give any medical information to any third party. Please see attached all letters of violation of my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: LEXISNEXIS
State: PA
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:
Creditor is in violation of 15 U.S. Code 1692b ( 2 ), also in violation of 15 U.S. Code 1692b ( 5 ), also violate 15 U.S. Code 1692c ( A ), 15 U.S. Code 1692c ( 4 ). reporting requirements do not comply with FCRA standards and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to EOS CCA after receiving a settlement letter claiming if I made arrangements to pay my debt in full they would remove the collection from all three of the credit bureaus. My initial conversation was in XX/XX/2022. Monthly payments were then made XXXX to XX/XX/2022. I sent a letter after 45 days requesting the collection be removed from the bureaus and nothing has been done. I requested that they listen to the taped recordings where I was told this would happen. I was told they would and to call XXXX in a few days where a supervisor would assist. I have been in a customer service and supervisor loop ever since. Collection agencies can't make promises to customers and then not adhere to them. If I hadn't kept my word and made all payments there would be some legal recourse. These rules should be the same for them. All I want is for them to remove it from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX  XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Creditor is in violation of 15 U.S. Code 1692b ( 2 ), also in violation of 15 U.S. Code 1692b ( 5 ), also violate 15 U.S. Code 1692c ( A ), 15 U.S. Code 1692c ( 4 ). reporting requirements do not comply with FCRA standards and the information must be deleted immediately

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 2022-09-20
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About a year ago in The fall of 2021, I received an alert from my credit monitoring service that I had a debt collection being reported on my credit reports. Knowing that I have no debt in collection I looked at all the credit reporting agencies and realized this was indeed NOT my debt. My license and wallet were stolen about 3 years ago and I have had some problems with identity theft since then. I filed a dispute with all three bureaus which they all returned saying it was valid debt with a company I have never had a phone with. I then proceed to contact the collection agency Sunrise Credit Services in writing to inform them that I had no idea of the debt and requested that they send the original bill and I told them it was probably identify theft. If you look at my credit history I have no late payments or unpaid debt. They responded by sending me a phone bill from XXXX XXXX XXXX with my name but an incorrect address. The address was in XXXX, Indiana. I have never lived in XXXX, IN in all of my 47 years of being alive on this Earth!! Shouldn't any credit agency or debt collecting agency be able to verify this information? 
I have a debt in collection for the amount of {$1400.00} to Sunrise Credit Services original to XXXX XXXX XXXX I have disputed this with the agencies and the credit bureaus but they continue to say it is my debt. This is fraud and I have never purchased a phone from XXXX XXXX  XXXX and I have never lived in XXXX, Indiana. 
XXXX XXXX XXXX Sunrise Credit Services

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 2022-07-28
Company: EQUIFAX, INC.
State: AR
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:
THE CREDIT BUREAUS AND THE CENTERPOINT HAVE NOT RESPONDED OR INVESTIGATED MY DISPUTES. 

I SENT THEM MULTIPLE OF DISPUTES EVERY 30 DAYS FOR 3 MONTHS STRAIGHT, WITH NO RESPONSE. 

PLEASE HAVE THEM DELETE THIS INACCURATE CENTERPOINT ACCOUNT FROM MY CREDIT REPORTS. 

IF THEY DON'T REMOVE THIS ACCOUNT I'M MOVING FORWARD WITH LITIGATION, AND STANDING ON MY CONSUMER RIGHTS THAT THEY HAVE TO ABIDE BY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
In accordance with the Fair Credit Reporting Act the reporting of the following accounts have violated my rights. 
XXXX. XXXX XXXX opened XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX opened XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

Per - 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 2022-06-06
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO
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 filed police reports and submitted everything that was requested of me both to the company and the credit bureau and its still remaining on my credit report. I did not have this account I wasnt even in that state when the loan was initiated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency is reporting collection on my credit report for medical bill from XXXX looks like from XXXX ca. I was not living in XXXX, CA in XXXX 1st time I moved to XXXX was in XXXX, XXXX XXXX.. Prior to that I was living in Wyoming with my family. so my self or my family would not have gotten medical treatment in XXXX, CA. 
1st delinquency date is XX/XX/XXXX. i did not receive any communications from XXXX XXXX XXXX to my address in Wyoming. or after moving to California in XX/XX/XXXX.

Company response to consumer: Closed with explanation