BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NJ
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:
CFPB complaint # XXXX on XX/XX/2022 I sent a copy of my current state drivers license with my correct address to Experian to dispute the inaccurate information on my report.They failed to adopt reasonable procedures to investigate and assure the accuracy of my credit report, as I discovered today multiple addresses that are not mine still being reported after after multiple claims of all information being accurate & verified and me providing proof. Continued inaccurate reporting showed they did not properly investigate any accounts and has left me vulnerable to identity theft. Therefore, the unfair conduct of Experian reporting of any other information that came back as verified is inaccurate and needs to be permanently deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX   XXXX , Experian,  XXXX , an d   XXXX   XXXX   XXXX  . The credit bureaus are claiming I owe for a student loan. I have from the   XXXX   XXXX   XXXX   a  letter from them stating all student loans are cleared.

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 2021-12-04
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:
On XX/XX/XXXX, I wrote requesting an investigation into ( XXXX XXXX account number XXXX ) as of XX/XX/XXXX. I have not received a response from the credit bureaus, Equifax, XXXX, or XXXX. I believe there was INACCURATE reporting of the account XXXX. I have not received a reply or any acknowledgment that an investigation has begun. The credit bureaus are not in compliance with their own policy of 30 days. 

Equifax, XXXX and XXXX reporting account XXXX as late payments for 90 days for the month of XX/XX/XXXX, with paid as agreed in the previous months XXXX and XX/XX/XXXX, and the current months showing XXXX and XX/XX/XXXX, no data. The account XXXX on the myfedloan.gov website in the account XXXX show no late payments or delinquent or default for account XXXX in the history. I have attached copies for the account XXXX. as proof of inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Source Receivables Management LLC
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:
XXXX  has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: AL
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 contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : 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   XXXX/XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: MA
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 am writing to submit a formal dispute regarding inaccurate information on my credit report, which was obtained from Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report, and to this date, they have not responded. Please find below the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$560.00} Correction : Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Correction : Please remove it from my credit report. 

I require that you verify the account identified as XXXX XXXX : Date Opened : XX/XX/XXXXXXXX  Balance : {$25.00} Correction : The reported balance of {$25.00} is inaccurate. I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported. 

The following account is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$8300.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$740.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$340.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1900.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXXL Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1700.00} Correction : Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
OCWEN Mortgage Servicing is taking my home through the foreclosure process, even though they have never taken a look at helping me with my mortgage. They have been combative through the court system and I have reached the end of my resources and am in the final stages of foreclosure. I have used several attorneys to try to help me get things back on track from suing them for giving me a fraudulent loan to attempting a loan modification. However, I am so frustrated that they have not helped me with my FHA loan, even though I have tried for the last nine years to get my loan back on track. 

I had a significant health issue which has left me XXXX since XXXX and have been on a limited income since that time. Due to a malpractice settlement, I was given {$250000.00} and used {$100000.00} of it to purchase my home in XXXX. The loan agent told me that I would be able to refinance my loan to a lower payment and receive all of my down payment back. I contacted him after the year was up and he began the refinance process. He told me that I would get everything that we discussed the year prior. After the refinance was, I was absolutely shocked when I received a check for only {$7000.00} and my payment tripled. I was conned in the worst way possible and basically, XXXX XXXX was stolen from me and I was put into a loan that I could not afford. I burned through all of my remaining money, which I had to live off of for the rest of my life, in order to make the mortgage payment. 

As I watched my money disappear, I decided to hire an attorney to help me get out of this loan and make things right. I went through several attorneys who said that there is nothing they could do and that OCWEN wouldnt even work with me to modify my loan. This has been an absolute nightmare and OCWEN isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$8500.00} XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$8500.00} XX/XX/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 non-monetary relief
Consumer complaint received 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Husband was a victim of identity theft, there were multiple fraudulent checks totaling {$4400.00} written under his name, taken to the bank to be cashed against the account in some transactions the perpetrator deposited money from the check and withdrew from the account. these transactions were made in different bank of America branches none of this transactions were made my my husband or myself. the incidents were reported to bank of america, claims were submitted and I was told that a fraud  specialist  was going to contact me but no one ever did. I was told these claims could take from 30-60 to be solved I waited and gave them enough time to do their investigation. after over 60 days and numerous phone calls I told by one of the representatives on  XXXX   XXXX ,   XXXX   that according to the notes from the fraud annalist the claims had been denied and bank of america is not going to replace the money. as far as know the money in in the bank is insured by the FDIC. none of these transactions were made by us and the money should be replaced. the bank should make an investigation and pull the cameras from the branches where the transactions took place and they will see is not my husband who made the transactions. I filed a police report, and an identity theft report with the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: Cooling & Winter LLC
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I submitted a complaint against this company case number  XXXX  the garnishment was stated to be with drawn by them and it is still in place.

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 2017-05-06
Company: BB&T CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On  XXXX / XXXX /  XXXX   (  XXXX  ) a bill was charged to my debit card which over drafted my account. It was the only charge that was made that over drafted my account but they still charged me over draft fee 's for every purchase I made for the entire week prior which totaled to well over {$200.00}. Then the next day my paycheck got deposited but I had no money for food or gas to get to work because the bank stole all of my funds and called it 'fees ' so I had to withdraw some money just to get by which of course because of them it over drafted again so they charged me another {$78.00} in fee 's. There is no reason for them to charge me fees for multiple purchases that I had funds for just because I over  drafted one s ingle charge.

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 2023-10-01
Company: EQUIFAX, INC.
State: CT
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 am writing to submit a formal complaint against Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax to dispute the following incorrect information on my credit report. To date, I have not received any response from them. I am providing the details of the inaccurate information and the required corrections below : The following account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) has never been late. Please correct/update this inaccurate information on my credit report. 


The following account with XXXX XXXX XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) has never been late. Please correct/update this inaccurate information on my credit report. 


The following account with XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1300.00} ) has never been late. Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
my sponsor, EDD sent me a bank of America prepaid card with my funds on XX/XX/XXXX. i have never received a card. i have called BOA multiple times and just yesterday i received my card XX/XX/XXXX. I was having a hard time creating an online account because I need it the card number to create one. 2hen i went into account it is showing i had a card with all my benefits that have been used. BOA will not help 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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure that no proof of the alleged! debt, nor therefore any such debt, in fact therefore exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that they block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.          XXXX   XXXX  SERVICES  XXXX   XXXX  SERVICES Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XX/X/2014    Payment {$0.00} Payment Status Charge-off Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XX/X/2014    Payment {$0.00} Payment Status Charge-off

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 2017-12-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I looked at my credit report on XXXX/XXXX/XXXX to see an account in collections, XXXX XXXX ( XXXX ), reporting an account to collections that I have never heard of before. 

I am in the process of purchasing a home and do n't think its fair that a company reports an item on my credit report without providing any written notices to dispute it. This is in pure violation of section 809 ( a ) of the FDCPA : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- '' I have the right to sue this company for improper adherence to the laws that govern them.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY NAME IS XXXX XXXX AND I NEED TO SUBMIT A COMPLIANT REGARDING A LATE PAYMENT REPORTING ON MY CREDIT FILE. XXXXXXXX XXXX  SAID I WAS LATE FOR THE MONTH OF XXXX AND I HAVE PROOF SHOWING I MADE A DOUBLE PAYMENT. MY PREVIOUS COMPLIANT WAS CLOSED WITHOUT A VALID REASON SO I'M SENDING IT AGAIN. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?

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