BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: EQUIFAX, INC.
State: NY
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 tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account holder settled the final bill with XXXX XXXX XXXX XXXX in full last XXXX 2016. XXXX XXXX XXXX  erroneously kept on billing the account although the holder requested closure of the account in XXXX, 2016 and vacated premised. 
XXXX XXXX XXXX continued to bill the account for the premises not occupied by the account holder. Account holder does not recognized the validity of the debt and requested XXXX XXXX XXXX to validate it that has not been done. 
XXXX XXXX XXXX transferred the account to the collection entity Harris & Harris in XXXX in error as the collection entity was advised in writing to stop any communication in regards to that disputed erroneous 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 2021-08-15
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DOB XXXX SS XXXX I have a few addresses that are not correctly showing on my credit file that needs to be updated. My only address isXXXX XXXX XXXX XXXX IL, XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2017-10-10
Company: American Credit Acceptance, LLC
State: GA
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 was never late 30, 60, or 90 days late. I am not sure how this happened. I believe that I had made my payments to the companies when I received my statements. My only thought is there was a billing error with my statement because I have always made my payments on time. 

I contacted the companies in regards to this matter but they never responded. Also during the time the late payments took place My Identity was stolen. I have sent them letters, made calls but not response these accounts is hurting me and I need the matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, INC.
State: NY
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 tried to contact XXXX, to dispute an account, in which ; the statutes of limitations have already expired. XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
We recently checked my credit report on XXXX 2015 and I was not aware that their are XXXX accounts that was open and did not know about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 tried to contact XXXX, to dispute an account, in which ; the statutes of limitations have already expired. XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # 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 2021-08-14
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: Account information incorrect

Complaint:
Could someone at CFPB please address this. 

I have tried obtaining an answer with Experian. This is another attempt. 

I received my updated Experian Credit Report. My Experian Credit Report indicates that this one XXXX account ( Account Number XXXX .... ) has been charged-off ten times. 

Is that right. Can one account be charged-off ten times? 

Please contact me at ( XXXX  ) XXXX, if further information is needed. 

Thank you. 

Sincerely, XXXX XXXX XXXX SS # 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 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was using transunion to get my free credit report and i was required to make an account to see my credit score. After i entered my information including a credit card i was charged for a monthly subsciption for credit monitoring i was not aware of. I was just trying to get a free credit report as stated on XXXX. I was charged not once but twice. {$27.00} each time for a total of {$54.00}.

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 monetary relief
Consumer complaint received 2021-08-14
Company: EQUIFAX, INC.
State: TN
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:
Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: EQUIFAX, INC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern The nature of this correspondence is to dispute the two XXXX closed accounts on my Equifax credit file. i have attached a document showing that items were not reporting on my credit file but they were in fact still on my credit profile and i have attached documents proving my case showing duplicate accounts. 

I had recently on XX/XX/XXXX file a dispute in regards to the account and the Confirmation number for the Equifax dispute is # XXXX i have attached the document to this dispute and on page 5 and 6 of the dispute you will see accounts number XXXX and XXXX and it says " The disputed item is not currently reporting on the Equifax credit file '', but it is still reporting and the full account number is not displayed in file but only part of the account is shown and those numbers are XXXX and XXXX which is the same as those accounts that were supposedly not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: NY
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 tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : 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 2021-08-14
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid interest only for the last 16 years, i paid approximately XXXX, my loan only XXXX During pandemic i failed to pay few interest payments approximately XXXX, i did modification but the company refused to waive that interest in order for me to be current, i resumed to make payments starting XX/XX/2021, but still owe the back interest of approximately XXXX I got cheated once this loan initiated, I didnt know its interest only, after 16 years of payments the principal still the same. 
I dont trust the mortgage company I feel they doing this practice on purpose to foreclosure on my home for XXXX, my house worth XXXX I need help to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: GA
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:
ATTACHED IS PROOF OF THIS ACCOUNT BEING DELETED! PLEASE FOLLOW SUIT AND DELETE THIS ACCOUNT AS WELL. I formally request that the following inaccurate items be immediately removed from my credit report. They must be removed in order to show my true credit history, as these items should not be on my credit report. Here is a copy of XXXX findings and proof of their removal of these items. Pursuant to Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me an updated report as soon as your investigation is complete.

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 2021-08-15
Company: EQUIFAX, INC.
State: MT
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:
The items in question are not accurate in any way. I sent in challenge letters to the creditors as well as the credit bureaus and have not yet received a response. To resolve this issue. This is with XXXX XXXX as well as XXXX XXXX I never signed anything with. But the most important one of all was XXXX XXXX XXXX. That was not my mortgage. I never owed for a time share and this is costing me lots of money. I'm considering suing the credit bureaus for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting items on my credit report which are inaccurate i have sent them documentation on many occasions from the source they claimed to have verified it from that the information they are reporting is incorrect and they have yet to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 I became aware that I was apparently a victim of identity theft. I have filed multiple cases for both the individual creditor 's and all XXXX credit reporting companies one of which was Experian. As of this morning, there are still ( XXXX ) accounts and ( XXXX ) previous addresses associated with these accounts that are still reporting on my credit file. While I have mailed, uploaded my identification documents and even faxed my documents to the Fraud department for Experian, as of yesterday I am still being told from the Experian Fraud department that they need to have my identification to properly dispute these final items. I have spoken to these ( XXXX ) creditor 's and they have all assured me that my information does not match the information they have on file for these accounts and that I should dispute these accounts with all XXXX reporting companies. At this juncture, I have already have these accounts removed from XXXX and XXXX and am trying again to have Experian dispute these as fraudulent in hopes that it will finally be removed from my file. Please take the necessary steps to re-dispute these accounts along with the personal information associated accordingly.

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 2021-08-16
Company: EQUIFAX, INC.
State: MS
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 recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is Equifax. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I originally sent this dispute ( Case number : XXXX ) and contacted XXXX County and received the attached document showing the tax lien has been paid in full/ satisfied. There are XXXX entries under the public records for this dispute on my credit report. It is under XXXX County Spr Cour and XXXX County Superior Court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
While I was out running errands on XX/XX/2021 I was contacted ( via my cell phone ) at XXXX XXXX by someone named XXXX, claiming he works for XXXX XXXX. He stated that because my account was delinquent, a tech would be at my home within the next 45 min to shut off power. He said I could pay using a credit card, but that would take approx. 12 hrs to process. If I had a Zelle account, the payment would be processed immediately. 
Using my XXXX XXXX account, I made one payment of {$290.00} to : first name : XXXX last name : XXXX XXXX When I gave XXXX the conf. number, he claimed it didn't go through and would I please try again. I sent another {$290.00}. 
The confirmation number I got from XXXX was : XXXX I was contacted at XXXX XXXX, apparently by a " supervisor '' named XXXX XXXX ( phone number XXXX ) who said he had received confirmation from XXXX XXXX that my first payment would be credited back to my account and only the second would be processed. 
When I was able to look at my XXXX account online, it was clear that my account was NOT delinquent and was clearly scammed. I am now out {$590.00} for these two payments through Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
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:
A blow to my credit score took place under a unauthorized, unaware of hit of a car loan for a vehicle I've never thought existed

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 2022-08-03
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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

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

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

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 explanation
Consumer complaint received 2017-10-10
Company: ProCollect, 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 submitted dispute letters to XXXX, XXXX, and XXXX on XXXX/XXXX/XXXX regarding a collections acct that I did not recognize and did not receive a credit report showing investigation results or any other type of correspondence letting me know the status of the items that I disputed.

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