BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: CO
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:
I'm filing an official complaint against Experian Credit bureau for their refusal to comply with the law. I have documented letters dating as far as XX/XX/2021 requesting an investigation of my credit file they maintain on me. This organization has " No '' regards for the law whatsoever. They have caused me harm and I have suffered a setback because of their failure to correct inaccuracies on my credit report. I was denied a much needed car loan, which would have allowed me the opportunity to travel back and forth to my job. I'm requesting your help in my situation at this time. Please respond to my request at your earliest convenience,

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 2022-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or before XXXX I disputed accounts and nothing changed. 
Im disputes came back late passed the 30 day mark and verified. I then requested to know how they verified and with who. I never got anything from the credit bureaus. Account s disputed are 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 2023-06-14
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The company calling was CONSERVE. When I returned the phone call they said they sold my number. They said they have every right to call any number for debt collection. I asked if I had a debt and they did not know but offered a service to help with debt. I have NO debts.Their number was XXXX XXXX XXXX. They ( the man 's name was XXXX XXXX XXXX said that they do not look at the do not call list. And again tried to sell me a service to avoid debts. This is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I have been out of work during the entire pandemic. We have been on unemployment since XXXX / XX/XX/XXXX. We had made some house payments, then missed some .. got quite behind so our son assisted and gave us funds to play catch up. We paid {$4500.00} in XX/XX/XXXX towards late payments and caught up. Again, with only unemployment funds, we got behind again. We applied for Mortgage Assistance in late XX/XX/XXXX early XX/XX/XXXX and after 30 days got denied since we just had mortgage assistance in XXXX / XX/XX/XXXX. 

After being denied .. they gave us an option " Deed in Lieu '' or full payment of lapsed mortgage payments. I reached out for help and in turn was blessed with someone to help us. We got together {$17000.00} to pay for XX/XX/XXXX THRU XX/XX/XXXX mortgage payments and even had a little extra to go towards XX/XX/XXXX payment. I sent it in with the mortgage statement I had received of what was due ... Our income ratio at the time of applying was very low and couldn't be accepted. 

Almost 30 days later I got our check back in the mail with a note that stated they could not accept the payment unless it payment was " in full '' .. I was bewildered XXXX what do you mean " in full '' I paid that and then some ... So I got on the phone with Fay Servicing , LLC ( new Investor who took over our mortgage recently from XXXX XXXX Loans ) to inquire why they didn't accept our check. 

I was told that my payment wasn't " in full '' that I owed " borrowed Escrow '' if you will of {$4200.00} PLUS Attorney 's Fee 's for the beginning of Foreclosure process ( in which those fees she could NOT disclose as she didn't have them. I was told she submitted a request for them but would not get them back for ONE WEEK and would send me a copy then ... WHAT?? ONE WEEK to get an amount from an Attorney for fees that I was supposedly being charged for a Foreclosure that was supposedly in process already???? 

I asked .. can't you just take the {$17000.00} and apply it to our payments and we can then spread out the {$4200.00} ( borrowed Escrow ) over a period of time? She said NO, it's already going to the Foreclosure process. I was like " seriously '' with this pandemic causing so much heartache and grief for so many and the loss of income to so many PLUS ( my husband 's unemployment has been LOCKED up since XX/XX/XXXX .. and he is receiving NOTHING and can't get answer from anyone )! We don't have the means right now to come up with an additional {$4300.00} PLUS whatever $ $ $ the attorney decides to throw at us ( after a WEEK to decide to get it to us ) ... this is INSANE!! 

My husband may finally have an opportunity to work ( we are pending a decision ) but this is soooo soooo sad that mortgage companies are willing to SEND BACK a PAYMENT of {$17000.00} and push to foreclose on your home!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: CA
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 ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Has Violated My Rights. ( 1 ) XXXX XXXX {$1000.00} acount # XXXX. ( 2 ) XXXX XXXX XXXX  ( 3 ) XXXX XXXX XXXX acct # XXXX {$910.00}. ( 5 ) XXXX XXXX  acct # XXXX  {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: Square Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I requested a banking account and a debit card from Square last month and today. I called Square last month and today. They could not explain why I was refused. Only that the message I received of denial was all I would be told. I could not be identified andhad used my allotted number of attempts. ( 2 ) I have used the Square credit card platform for over XXXX  years. They process payments to my credit union account, XXXX, have given me XXXX loans for XXXX  years.They have always received timely repayment. They have my copies of social security no, drivers license, and credit information I requested to be transferred to the banking department. I spoke with XXXX. She said she was not able to escalate my issue. That I had used my attempts and thats all I was allowed. I told her that was incorrect and I wanted to speak to a manager. I held the telephone line, she came back andsaid no one would call me back or could provide further information Of my denial. 
I had XXXX other XXXX XXXX  attempt and they were denied as well. I reviewed Squares listing of business that they conduct business with. XXXX XXXX were not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: REGIONS FINANCIAL CORPORATION
State: AL
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 have taken action to get inquiries remove that I am not aware of.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Sent a letter on XX/XX/2021 and sent another letter on XX/XX/2021 in regards to the first letter where I received no results or any certified copy of proof of debt.

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 2021-06-15
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:
I filed an FTC report about unauthorized inquires on my account.

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 2023-01-26
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  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 2021-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a Visa credit card ( cash rewards ) with Bank of America, since XXXX. In XX/XX/XXXX, I moved back to XXXX, and stopped using the card. 

I also had a checking account with Bank of America. 

I have complaints about both accounts. 

My complaint about the credit card account : In XXXX, I found there were about 6 or 7 fraudulent charges from XXXX on my credit card. I called Bank of America, reported this, and ask them to reverse the fraudulent charges. I asked for their mailing address, so that I could put my requests in writing, and was told that calling over the phone was the only way to solve the problems. 

Because I lived in XXXX, I had to call them in the middle of the night. When I did so, I had listen to their music for 35 to 40 minutes each time, on an international call. I called them four or five times over a few weeks, and finally Bank of America told me they had reversed all the fraudulent charges. I subsequently found that they had only reversed one of the charges. I then telephoned them again ( which again required several calls ), and told them to reverse the rest of the fraudulent charges. I also told them to close my account immediately. Unfortunately, these telephone calls did not produce the desired results. 

After a few months of calling Bank of America, I found that I could not log into my account anymore. Assuming they did their job properly, I did not owe them any money, so I gave up calling them ( by this stage they had used a lot of my time and sleep ). 

In XXXX of this year, I returned to the USA, and discovered that Bank of America claims that I owe them {$72.00}. I then telephoned Bank of America several times ( now a local call ), but despite my best efforts : they could not explain the reasons for closing my checking account without refunding my balance [ see checking account complaint below ] ; they would not reverse the fraudulent charges ; they could not provide any evidence to support their actions ; they refused to provide a person or address to which I could direct written correspondence about the problems. 

I am also concerned that Bank of America has wrongly damaged my credit reputation. 

My complaint about the checking account : I also had a checking account with Bank of America, since XXXX. When I had the problem with my credit card, my checking account had a balance of a few hundred dollars. During my phone conversations with Bank of America, I asked them to close my checking account, and send me a check for the balance. Bank of America closed my account, but did not send the check.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: MA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : 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 non-monetary relief
Consumer complaint received 2023-05-02
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: AZ
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 been reaching out since XX/XX/2022 to fix my late payments on my credit report. Ive been told numerous times to dispute with credit agencies but XXXX XXXX keeps validating my late payments. They have yet to fix my concern. This is harming my ability to buy a house and keep good credit. They also lowered my credit limit along with other credit card companies who felt that I may be at risk due to the late payments reported by 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 2022-01-31
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2022 I discovered ( XXXX XXXX Services Account XXXX ) had been re-inserted into my credit file. Equifax is required to notify me within XXXX ( XXXX ) days of re-inserting a previously deleted item. 

Equifax did not notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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: Investigation took more than 30 days

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. 

Fraudulent inquiries from XXXX is XXXX and with TransUnion is XXXX XXXX  XX/XX/2020. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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