BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
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:
Ive attempted to have these items removed I sent letters to all companies and the credit bureaus and information isnt mines and its still on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: VA
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 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 2023-03-22
Company: CCS Financial Services, Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
Creditor can not verify the account belongs to me. I have no knowledge of this account. I asked the company to verify the debt they can not which is stated in previous investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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 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 an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was affected by Hurricane Irma. I lost power and food. I immediately contacted Mr. Cooper ( mortage Company ) and was advised I would be placed in a three month forbearance program and because I was affected by the storm, I would definitely qualify for a modification. I was even advised I would not be penalized if I was unable to make the payments. I called every week, sometimes two to three times a week. I spoke with my loan specialist maybe three times. Each time I told my file was pending. Sometime in XXXX I received notice that I was denied because I had a modification less than 24 months ago. However, representatives assured me I would be approved because It was a different modification. I was shocked that I received so many different responses from the same company. I am now paying my mortgage before the 90th day every month to avoid foreclosure. Now I am receiving demand letters and certified mail every month, which has taken a toll on me and my daughters who are all in college. Mr. Cooper now tells me I owe over 6000.00 due to escrow and taxes that havent been applied due to my missed payments. I feel as though they are trying to take my home. I was initially told that if I stayed with the 90 days and paid one payment until I could catch up, I would not be in danger of foreclosure. Now, I am told I am in danger of foreclosure and I must pay my mortgage to current. This is devastating and has been a nightmare since XX/XX/XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe 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 2019-09-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citi bank decrease my card after making a payment from XXXX to XXXX said they repulled my credit and my score went down which is a violation of my rights FCRA violation XXXX XXXX took my car 5 days playing little kid game pass the phone putting people on the phone saying they were certain part of management when they weren't. Now I understand when the parents leave the kids will come out and play but keep that XXXX at home. 
Its bad enough Car people have the best reputation. Former XXXX  XXXX 45 cars month but one thing I never did was lie to get a SALE or PLay child XXXX  kid games XXXX XXXX needs to know about his kids at work 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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 -- - I was never late on this account because I always pay on time. The payment history of this account is inaccurate! PLEASE INVESTIGATE AND UPDATE THIS ACCOUNT WITH LAWFUL ACCURACY! 

XXXX # XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XXXX- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 


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 of 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 2023-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
good afternoon dear, I want to know the reason why you do not help me, I am a low-income person, and in a country with many problems ( XXXX ) XXXX the bank closed my account and without any explanation, which I think is in their right, but it is my right that they give me my money, I have been having this problem for several years and to this day no solution from the bank or from you, I do not have a XXXX, I can not go to the United States XXXX there is no embassy in my country, I ask you to give me my right to my money that with so much effort from my work I have been able to collect, my account was closed in XX/XX/XXXX, and I have filed 2 complaints here with the number XXXX dated XXXX XXXX and XXXX dated XX/XX/XXXX, and they have been closed without any solution, and I only ask you to please give me my right as an honest person that I am to have what is mine, that is all I ask of you, and please do not close my case without my consent that the problem was solved, my balance is XXXX thank you very much

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 2017-05-09
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: Information belongs to someone else

Complaint:
I have contacted the credit reporting agency, they have not responded in a timely manner

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 2020-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
On XX/XX/2017 I filed a Chapter XXXX bankruptcy petition. The bankruptcy plan for 100 % repayment of debts was confirmed in XX/XX/2017. In my petition, I included two Bank of America unsecured credit card debts. At the time of filing, both debts were sold to a collection agency, XXXX XXXX XXXX , XXXX. Bank of America filed a claim for payment for both unsecured debts, XX/XX/2017. Since my Chapter XXXX plan was confirmed, I have never missed a single payment to the Standing Bankruptcy Trustee. I pay my 100 % repayment Chapter XXXX plan, in full, each month, and the Trustee distributes funds to Bank of America for repayment of these debts. Each month, since the confirmation of my Bankruptcy plan, Bank of America continues to report one of the debts as " Charged Off, '' with no reflection of the account being involved in my Chapter XXXX repayment plan. They never report they are receiving regular payments from the Standing Trustee either. If a person were to review my credit report each month, they would see the balance is decreasing routinely. However, anyone else viewing my creditworthiness would think I still have an outstanding, unpaid, charged off debt owed to Bank of America. This is inaccurate and I have been unsuccessful my countless disputes, with the credit bureaus, to have Bank of America report this information accurately. Oddly, the other Bank of America claim is reported correctly each month as being included in my Chapter XXXX, not as a " charge off. '' I don't know where to turn at this point. furnished all evidentiary documentation, for your review, to better understand my disheartening situation. Page 5 of my XXXX  report shows the Bank of America charge off, and the other documents relate to my Chapter XXXX petition. This misinformation is hurting my creditworthiness more than my Chapter XXXX 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: Bread Financial Holdings, 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:
Community Bank representing both Jareds and Victorias Secret is reporting on both XXXX and XXXX that I am currently late every month on an accounts that they wrote off in 2019 as cancelled debt. They issued me two 1099-C that I had to include on my taxes. I am not currently late for any payments because the accounts are closed and should be reporting a XXXX balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. They are being included in my credit score calculation incorrectly as well. Both XXXX and XXXX are reporting these accounts incorrectly despite several dispute requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NJ
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 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 2019-09-27
Company: Google Compare Credit Cards Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a current complaint with company and the company responded said they are having trouble locating our account which is a lie they keep trying to circumvent the situation and it has been on going for months. I could not see where to add additional information so I am starting this second complaint to respond. 
The complaint info : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 My XXXX account and XXXX Play account is under email : XXXX the account they say they can not find. However they keep responding to me on. I have attached a pdf of the transactions and dates but they say they can't see them. Again the are avoiding and circumventing trying to resolve this issue. The Last four of the credit card used was XXXX. They have all this information and here is even on transaction ID and denial from them to do anything and they can locate all the other transactions using this as a reference : Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Just to list a few of the incessant charges and they can find my information by accessing these charges as well as reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: LA
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. 

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX 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 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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have 58 Hard inquiries on my Credit Report. Only 4 of those are accurate. 
XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  + Automotive ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2022 + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/2022 + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX- Automotive ( 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 2021-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation