BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX   XXXX, XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME : 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter in the mail on XX/XX/XXXX in regard to an alleged rent collection account. The supervisor stated that the law is on a case-by-case basis ( not true ). This is not my debt, and this debt went delinquent on XX/XX/XXXX, which makes this debt XXXX + years old and is not mine even though my personal information was usedXXXX XXXX XXXX in Georgia, and the debt came from California. The statute of limitations has run out, and this debt can't be legally collected and placed on my credit report due to the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : 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 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 explanation
Consumer complaint received 2020-08-14
Company: THE MONEY HOUSE, INC.
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 signed an option to purchase a home.closed on XX/XX/2020 several days later examined the closing documents and found that my signature had been forged on many documents.very alarming was that the option to buy had been turned into a sales contract with the XX/XX/2020 date and my signature forged.Was given the option to choose an appraiser or home inspector, did not get to choose closing agent and first called me on XX/XX/2020 the day before the closing.I never knew he was my agent.Also was not given the opportunity to purchase homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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 disputed a XXXX XXXX account with the account # ending in XXXX via certified mail to Experian and XXXX several times. Each time, both credit bureaus have claimed that the information was investigated and verified as accurate. However, I have attached copies of my most recent credit reports from Experian and XXXX showing the same XXXX XXXX account with different payment history information on each bureau. This blatantly proves what I have said all along which is that Experian and XXXX have not acted in good faith in the past in regard to this account and continue to report inaccurate information on my credit file which implicates several violations under the FCRA. 

In accordance with the Fair Credit Reporting act, Experian and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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. 
Also, they aren't even in compliance with Metro 2 credit reporting. I have attached evidence to prove my claims.

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 2023-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX, Bank of America since XXXX, eh received multiple overdrafts, double charges, and triples repeatedly I travel a LOT I am a baseball player, between travel, marketing, companies, interviews, being the image of important brands, my business my time is limited then the comments that people are MAKING about you ( BANK OF AMERICA ) in the world of baseball. YOU ARE 3 strikeouts a day for a full baseball season ( IRRESPONSIBLE, ) AND YOU ARE STARTING TO LOOK REALLY BAD. AND SINCE I HAVE UP TO 6 YEARS TO REPORT THESE TYPES OF CHARGES ACCORDING TO MY LAWYER AND THE FTC, I NEED MY MONEY BACK FROM OVERDRAFF, SINCE XXXX  HEY BANK OF AMERICA I DO NOT OPT AT ANY TIME PROTECTION AGAINST OVERDRAFTS AND THIS IS ILLEGAL, BUT I THINK WE CAN REACH A NEGOTIATION WITHOUT HAVING TO GO TO COURT THAT LOGICALLY SUITS ME MORE THE COURT, BUT MY GOD IS THAT THEY ARE TOO MANY EXAGGERATED CHARGES ONE BEHIND ANOTHER ANOTHER ANOTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ETC ETC AND A NUMBER OF CHARGES AND DOUBLE TRANSFERS, HERE I WILL LEAVE THE EVIDENCE, MY BANK STATEMENTS, I DO NOT THINK THEY NEED TO SEE MORE, BECAUSE ALL THE EVIDENCE IS THERE THEY NEVER RETURNED WHAT THEY TOOK FROM ME, AND NEVER HAPPENED ANY OF THOSE TRANSACTIONS, PHANTOM THAT BY MY BANK ACCOUNT NICIQUIERA WERE REFLECTED BUT IF THEY WERE DEBITED FROM MY ACCOUNT I NEVER HAD PROTECTION OF OVER DRAFF IN MY ACCOUNTS, never the eh authorized to have these AND IT IS SOMETHING ILLEGAL. SO FAR, I DEMAND 1-THAT YOUR RESEARCH TEAM MAKE THE ATTEMPT TO AT LEAST REVIEW THE TRANSFERS PLEASE. DO NOT LEAVE THE PAPERS THROWN INVESTIGATE INVESTIGATE BE WAITING for my money in 48 working hours or less, because as it is my money not yours!! I do not see that they have problems in proceeding my return I am sorry but if not, we will go straight to the press I ALREADY HAVE THE APPOINTMENT WITH XXXX AND XXXX, and WE ARE GOING TO GO TO TRIAL to the Court, today they did it to me tomorrow IT CAN BE TO THE Federal Trade Commission ( Federal Trade Commission, and CFPB ) is the national consumer protection agency of the United States IT SAYS THAT THE CONSUMER WHO FILES A COMPLAINT IS PROTECTED CUSTOMERS HAVE XXXX 6 YEARS IN THE UNITED STATES. 
I demand the compensation for damages and damage and fraud I demand my overdraft money I demand every double charge made I demand that you remove any credit history regarding Bank of America that for this same reason the account number XXXX is closed today did not receive money again because with you there is very little security and confidence. 
XXXX $ XXXX XXXX : XXXX XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: WA
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:
i checked my report and i seen an unauthorized credit check inquiry that i have not given consent to. I am demanding the inquiry be removed from my credit report within 4 days as they are fraudulent. Im trying to establish relationships with banks but continue to get declined because of these items on my report. I have attatched the items to my letter and notified the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: United Check Recovery Bureau, Inc.
State: PA
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 took out a loan originally with XXXX XXXX XXXX. The account was charged off and sold too United Check Recovery Bureau Inc. I paid and settled the account two years ago. United Check emailed me a settlement letter and never updated the account to the credit bureaus. The account is still showing derogatory and charged off. Its supposed to be showing closed and settled. I called them over 40 days and informed them of the situation. I was told it would be fixed and it has not been corrected. It is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: LA
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've reported this 7 times over the last year, I submitted documentation that they requested ( proof of a {$0.00} balance on letterhead from the company ) and jumped through a ton of hoops. They refused to remove the XXXX XXXX balance account and they show my credit ages has one month and a bunch of other erroneous information. I've tried to get them to correct. It won't even let me submit the complaint to do more to them. 

100 % sure they've got me on some list that negates my disputes.

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 2020-08-14
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: Information belongs to someone else

Complaint:
address
name
accounts 
wrong


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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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. 

Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX  Account 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 2023-06-03
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-12-20
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My personal information was effected by the data breach as a result my credit reputation and worthines has been severly and irrevocably damaged. These are some of the alleged debts that are not mine. 

XXXX ) XXXX XXXX no acct number, amount {$1100.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, amount {$7100.00} XXXX ) XXXX XXXX XXXX, Acct XXXX XXXX, amount {$28000.00} XXXX ) XXXX XXXX XXXX, XXXX acct XXXX, amount {$610.00} XXXX ) Five Hard inquiries XX/XX/2020 ; XX/XX/2020 XXXX ; XX/XX/2020 XXXX ) Twenty one Soft inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Mr. Cooper Group Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mr. Cooper ( aka Nationstar mortgage ) error in payment history status reporting. 

Please see attachment to get a visual picture of the issues that are not being a addressed by the prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied was trying to refinance my existing mortgage because the agent told me that I would be able to get enough money back to put a new roof on my house. I went through all the paperwork. The agent told me I would have to get a home inspection that they would arrange but I would have to pay for it. Which I did, it cost {$500.00}. Once the inspection was completed the agent then told me I would not qualify for the refinance. I questioned why they would let me get this far into the process and pay for the home inspection if they new I would not be able to get out of the home the amount of money needed for the new roof. The communication was cut off between the agent I was talking with and a new person was now talking to me. Which this indicated in my opinion they knew he screwed up. I requested to be reimbursed for the {$500.00} I wasted on the home inspection and they never responded to me again.

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 2020-08-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX  XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, 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 2020-08-14
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: Personal information incorrect

Complaint:
I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX  XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The agency duplicated an account with XXXX XXXX XXXX and then refused to remove it. Attached is a copy of the FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$1700.00} ; 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 2020-08-14
Company: SUN LOAN COMPANY 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:
I reviewed my credit report and noticed a fraudulent account that I did not authorize on my credit report and its preventing me from receiving credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent account established with his information without his consent. His information was used to forge a check ( or several checks ) for a total of {$1000.00} dollars. A formal dispute of this account ( s ) was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has failed to reply with an outcome of the investigation of fraud ; which is a violation of the FCRA and my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRUIST FINANCIAL CORPORATION
State: MS
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:
Truist reported that XXXX payment was paid late and that my account was past due. I called them and they said that they would fix it on their end but I would have to reach out to the credit reporting companies. My credit score fell over 100 points.

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 2020-08-14
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company continues to report a debt on my credit report in violation of the FDCPA despite payment having been made in full. Attached is a picture of cleared payment.

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