BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: OH
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:
This Consumer Note 3rd official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed the above listed items on my credit file and noticed that they are not even METRO 2 COMPLIANT WITH THE STANDARDS FOR FURNISHING DATE TO A CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: LEXISNEXIS
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy information is incorrect. Case ( docket ) number is wrong, asset amount is wrong. 
Moreover, XXXX and XXXX say that LexisNexis provides them with bankruptcies data. But they list USBC as a furniture of this data. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As of XX/XX/2023 there are late payment reports and utilization being reported after I opted out per 15 USC 6802 ( b ) Experian has failed to acknowledge my requests and continues to violate my rights to privacy and furnish information to their third party affiliates.

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 2020-07-31
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i notice a negative item on my credit report from ENHANCE RECOVERY COMPANY for an alleged amount of XXXX $ that i do not owe, so i sent them a letter on XX/XX/2020 with all the information that i requested from them concerning this and i have attached a copy of the letter below asking for the removal of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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 XXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account ending # 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 has also states a consumer reporting agency can not furnish a acount without my written instruction

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 2023-05-08
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:
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 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: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Benuck & Rainey, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Respected CFPB Team, I received a mail in mail box for debt collection from Benuck & Rainey Inc. 
I do not remember any debt I owe to above organization. 
Amount is {$150.00} along with Account/Reciept number : XXXX I believe it is false and I am not liable for it. 

Deadline date is XX/XX/2023 to inform. 

Please help me to settle this dispute. 

Regards, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I placed an order for 50-inch hair/wig/bundles in the amount of {$3100.00} from XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX XXXX The business told me to wire the money and I was immediately informed that he did not have the hair available. He told me that I would have to take him to court in order to get my money back. He refused to provide me with his address so the Sherriff could properly serve him. I had to hire a private investigator to obtain his address. The private investigator informed me that he was evicted from his residence. I had to spend another {$2300.00} on legal, court fees, and private investigator fees and we have been unable to track him down. He blocked me on XXXX, and he is currently on the run. He called me recently and stated that he does not have my money and neither does he have the hair business anymore. He said my order was held up in customs and that was not his fault. He also said there is a no return policy. This guy is a FRAUD and a SCAM artist. Please help me get my money back by reversing the XXXX XXXX. 

Please see what I have done to try and recoup my funds back On XX/XX/XXXX I asked for a refund and he refused On XX/XX/XXXX I filed a police report with the local authorities On XX/XX/XXXX I filled a claim with CHASE bank to reverse the transaction and they informed me that I would have to contact XXXX On XX/XX/XXXX I tried to reach out to XXXX but there is not live contact to dispute the matter On XX/XX/XXXX I filed a compaint with the internet crime compliance center On XX/XX/XXXX I fired a private investigator to obtain his residence, but he was evicted On XX/XX/XXXX I filed a court case, but can not pursue the case without his address and without being properly served https : XXXX? XXXX On XX/XX/XXXX He called me and stated the does not have my money and that my product was held up in customs and it was not his fault. He refuses to refund my money. 

I am scammed out of over {$5300.00} as a result of this matter. I am tired and exhaused and I need intervention. My bank, police department, goverment agencys, and county court have not been able to assist me. I desperately need help in this matter. I am seeking justice and need immediate assistance. Please help Please find the details below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Residence evicted from ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( possible current address XXXX XXXX XXXX, Florida XXXX XXXX XXXX, Florida Business Number XXXX cell Website https : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: WI
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 accounts my credit reports from all 3 companies reporting inaccurate information. I have open accounts that show inaccurate information. I also have closed accounts reporting inaccurate information and have made disputes with all three agency 's XXXX Experian and XXXX that are just wrong and damaging my credit. I have tried disputes and serm to get no where they say they will remove the information and it'd still there. Also XXXX was hacked a few years ago and I have all kinds of inquiries that I haven't done hard inquiries ruining my credit score Under 15 USC 1681 i have the right to privacy and accurate informationand thr right to have all these acvoubts removed from my credit report. Under the law. 
I HAVE 11 ACCOUNTS THAT ARE OPEN AND ARE MOT ACCURATE.

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 2023-05-08
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is already completely settled, my last payment was on XX/XX/2023, it is a closed account, I have never paid late and Experian has on my credit report that I am 30 days late with payment and that is incorrect because the account is day all payments on time and it is a closed account currently my last payment was in XXXX therefore they have an error on my credit because it is a closed account, paid and never late with payments the account is, Account name : XXXX XXXX XXXX Account number:XXXX Account type : Auto Loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
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: Account status incorrect

Complaint:
I had a loan with XXXX XXXX XXXX XXXX I had zero issues with XXXX. Then they sold off all of these loans to a company called XXXX XXXX XXXX  and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX  has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with Transunion and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had zero problems with XXXX  XXXX  and now there are thousands of complaints since sell off to XXXX  XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam

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 2023-01-12
Company: EQUIFAX, INC.
State: CA
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:
On XXXX XXXX, XXXX I checked my credit reports on all 3 credit bureau websites. I noticed that XXXX and Equifax both had a random debt collection on my report. Below are the details of that debt : [ Collection Agency - XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX, ( XXXX ) XXXX Original Creditor Name - XXXX XXXX XXXX XXXXXXXX I I Date Assigned - XX/XX/XXXX Amount Owed- XXXX  Status Date - XX/XX/XXXX Status - UNPAID Balance Date - XX/XX/XXXX Account Designator Code XXXX XXXX  Account Number - # # # # # # # # # # # XXXX Creditor Classification - RENTAL_OR_LEASING Date of First Delinquency - XX/XX/XXXX ] I have NEVER been contacted by the listed debt collection agency for this debt and it is impossible this debt is even mine. Based on the information above, the debt appears to be for a rental unit in PA some time in XXXX. I have been living and working full time in CA since XXXX. I have owned 2 properties here since XXXX. I have no reason to go rent another random apartment in PA in XXXX. 

XXXX removed this collection from my report after I disputed it with them, however Equifax, for reasons as mysterious as the origins of the Universe, claimed that they have verified this debt with the collector and it is in fact mine ( but did not provide me any proof or reasoning for this decision ). They gave several options going forward : 1. I could contact the debt collector myself -- I find this unsatisfactory as I do not know them, I do not want to know them, I do not know why they filed this collection on my credit report and I do not want them to be able to harass me in any way.

2. I could add a statement to my credit report -- based on what I have read, no creditor will even pay attention to this, so what's the point.

3. I can send them additional documentation -- they did not mention what type of documentation, so I'm not really sure what they want here. I can substantiate my residency in CA with property tax statements, tax returns, etc, but I don't think that will stop them from claiming I could ALSO have rented an apartment in PA, you know, just for funsies. I think they should be sending ME documentation on why they think I was renting in PA. If they did somehow verify this, then I need a copy of these documents so that I can go file an identity theft report with my local police station! 
4. Write a complaint to the CFPB -- so here I am. Honestly, I don't really know if anything will happen with this, but at least I got to rant about how ridiculous this situation is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX 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

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 2023-03-03
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
" On XXXX XXXX, 2022, the XXXX signed the Joint Consolidation Loan Separation Act to authorize borrowers to separate joint consolidation loans ( also referred to as spousal consolidation loans ). Once the joint consolidation loan is separated, each spouse would only be responsible for their portion of that previous loan. '' I have 2 loans, one is mine and the other belongs to my ex spouse. In order for me to be able to make fair payments to my loan the loans need to be separated. My ex spouse never made any attempts to pay any portion of his student loan. I asked my servicer AES to please provide updates regarding this signed law. They told me that there was nothing on file showing the spousal consolidation law was approved, let alone my qualification. I am one of the class members and am still waiting for this to show in my records and for AES to properly acknowledge and take proper action regarding this matter. It has been 5 months and there has been no information from the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: NY
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 is reporting false information to the credit bureaus. They are reporting that my account is 90 days late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.

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 2023-01-12
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being told that I have made a loan during the time that I was not at home and my book bag and identification was stolen or lost between Florida and North Carolina my identification had my home address in XXXX XXXX on it I've asked for a copy of the contract with my signature and they provide a copy of a contract with no signature only my information furthermore I was notified by somebody that there was a filing of breach of contract by this company and then when I called the company they denied it the company is CashNetUSA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Foris DAX, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
crypto.com has not allowed me access to my funds. They cut me off from my funds now for a month. They have not given me a reason for this other than saying suspicious activity. I have provided them with video of myself holding my drivers license or anything else they asked for. They just keep telling me they will update me on the status. I have messaged with over 25 people from their company and absolutely nothing has happened. They have over {$3000.00} of my funds frozen.

Company response to consumer: Closed with explanation