BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: Solutions To Portfolios, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a call from a company named STP Group for collection on a debt. I do owe the debt but was not originally with the group. I repeatedly asked the agent XXXX XXXX to send me proof of the debt and I would pay. I told her without written proof of the debt I will not pay. She said gotcha and will further process it. Obviously not following any collections rules as I repeatedly asked for proof of the debt via a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Virginia XXXX XX/XX/XXXX XXXX Equifax, XXXX and XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX Equifax Mortgage XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 
1. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from 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 non-monetary relief
Consumer complaint received 2015-04-25
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the XXXX time I have received a statement from EOS CCA/XXXX XXXX saying that I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX and they have no idea what this could be and said that I do not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: WI
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:
My ex and I had a joint auto loan with XXXX for her car. She traded her car in for a new car, in which I am no longer a cosigner. We talked to the people at XXXX over the phone to explain that this is what we were doing to make sure there would be no problems, and they said okay. XXXX took too long to process the payment, and marked it on my credit report that that it was 30 days past due anyways. I have tried to dispute this with XXXX and the dealer, but both basically said " don't know, don't care, not our problem. '' I filed disputes with XXXX, Experian, an XXXX. Two of them have not gotten back to me yet, but Experian sends me a notification within a couple of days saying the dispute is ready, but refuses to fix the issue. Seems like they just call XXXX, XXXX says " nah, '' and Experian is like " okay '' and refuse to look into it further. They will not take an explanation or a statement from me in my own words, nor do they care about the pictures of the contract that I submit showing the transaction was done well before the 30 day mark.

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 2018-05-30
Company: EQUIFAX, INC.
State: AZ
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:
During XX/XX/2017, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX  have not been successful either. Please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Early Warning Services, LLC
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:
There are many accounts with my name on them but with incorrect information such as addresses and phone numbers. The addresses and phone numbers following do not belong to me and never did belong to me ; XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ca XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was on vacation in XXXX XXXX Florida, Was out for the night at the bar, and my phone was at the bar unlocked and used to make unauthorized sending of payments directly out of my checking account using XXXX. I immediately contacted chase bank the next morning when I noticed my balance was sent out to unauthorized people to submit a fraud case, and because it was through XXXX they are trying to tell me the payments were authorized which was never the case, my phone was used illegally to send out money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Sent {$500.00} US for concert tickets and was scammed by the Individual by not receiving the items I paid for. There has to be some recourse that can be taken. What about the account the money was deposited into by Zelle???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute to XXXX On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

They sent a response saying the information was updated but still is inaccurate. 

These accounts have the same exact date, open date and payments history with different High balances. Causing duplicate negative remarks. 

This account is still inaccurately reporting late payments. In your account history there is no amount past due showing on the payment history. With your report only starting the report on XX/XX/XXXX with 90 days late and XX/XX/XXXX 120 day XX/XX/XXXX 120 days with missing history form XX/XX/XXXX to XX/XX/XXXX until you start reporting again XX/XX/XXXX 90 days late. Why are you reporting 90 days late 8 times with incomplete account history? This information is inaccurate and would like you to please remove this inaccurate account or update all the late payments being reported on this account immediately. 

Showing 47 months received but only have 8 on your account history. 

I have attached copies of the letters I have sent, their response and how it appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states that 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 2020-03-25
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning. My name is XXXX XXXX and my phone # is XXXX. 
I have tried to unsuccessfully to reach my mortgage company since I have been out of work due to my state being shut down. I wanted to discuss options for some kind of temporary relief since I no longer have employment income. The phones are impossible and I was disconnected after holding for 59 minutes. This was my third attempt. I'm not sure if they hung up or my phone dropped the call. Their website has an option to submit a request for relief, but nothing works. There are tabs for forms to be completed but none of them work. They redirect you to the home page. Same result when I click on the tab to upload documents like bank statements. The only function that works is to look up statements and make payments. This company has made it impossible to reach them and to complete the necessary forms for relief. I am convinced that they're purposely avoiding their responsibility to the customers by setting up a system that does not work. My mortgage company is NewRez but seem to have a DBA of Shellpoint Partners. Phone - XXXX. Their address is XXXX XXXX XXXX XXXX Oh XXXX. Thank you in advance for your help. Have a great day and be safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Virginia XXXX XX/XX/XXXX XXXX XXXX, XXXX and Experian To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Virginia 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 2022-04-10
Company: Experian Information Solutions 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 Account XXXX  # XXXX, XXXX & XXXX # XXXX, has violated my rights. 

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

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

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

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 FCRA 15 U.S. Code 1681i Transunion LLC, XXXX and XXXX has been violating me for sometime. This is my second attempt to get these alleged accounts removed. I have provided attachments of proof of the inaccurate consumer reporting. I, consumer have the right to privacy and these Consumer reporting agencies have not provided me with any consent to furnish any of these alleged and inaccurate accounts. These accounts are causing me anf my family financial damage. 

15 U.S.C. 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

Delete these account immediately, unless you want to be held liable for {$1000.00} per violation XXXX ACCOUNT # XXXX TRANSUNION XXXX XXXX ACCOUNT # XXXX TRANSUNION XXXX XXXX ACCOUNT # XXXX TRANSUNIONXXXX US DEPT ED ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX TRANSUNIONXXXX XXXX  XXXX XXXX ACCOUNT # XXXX TRANSUNION XXXX XXXX XXXX  ACCOUNT XXXX XXXX TRANSUNION LLC/ 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 2022-09-02
Company: EQUIFAX, 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:
After providing proof to XXXX they are still choosing to report false information on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an old credit card from XX/XX/2017 which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. 
Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2022-09-02
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

1. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to authorized this inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : Date of Birth : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL 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 2022-09-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.

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 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: Concentric Receivables Management, Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have on my credit report bill from XXXX XXXX in the amount of XXXX at XXXX XXXX on the date of XX/XX/XXXX and on the date of XX/XX/XXXX Emergency room from concentric receivable I have had Medicaid since I was a baby was a XXXX XXXX XXXX XXXX and have had Medicaid my while like and a new law had past that medical bills should not show up on my

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: AFNI INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered that my credit report had collection accounts as a result of identity theft. I have made several attempts to correct this issue with each collection agency. I have tried con tacting XXXX XXXX XXXX, AFNI, XXXX XXXX, and others about the illegal accounts but they ignored me. I made the attempt on XX/XX/2022.

Company response to consumer: Closed with explanation