BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 2022-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am very upset! 

I have submitted several disputes by mail to the credit bureaus to fix incorrect and incomplete accounts in which they fail to properly verify. I have yet to receive a response or solution from them. 
I have provided them with a very DETAILED dispute letter, clearly identifying the specific account names, numbers and details as to why it is reporting inaccurate and/or incomplete. 
I have even included screenshots of each account specifying the inaccuracies and incompleteness. 
I have still not heard a response to fix this issue, it has been well over 30 days for them to respond. 
THIS IS ABSURD!! HOW DO THEY HAVE THE LEGAL RIGHT TO CONTINUE TO REPORT INACCURATE INFORMATION WHICH IS CLEARLY IN VIOLATION OF THE FCRA!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: GENTRY FINANCE CORPORATION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
While reviewing monitoring service noticed a fraudulent Loan was taken out under my name back in XX/XX/2013 by company Gentry Finance for total amount of {$320.00} i have googled the company and found only one number that did not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-10-03
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquiry : 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 2023-04-19
Company: EQUIFAX, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit bureaus are not investigating my dispute with XXXXXXXX XXXX XXXX for account number XXXX because if they had, they would've known there has never been any payments made from me in XX/XX/XXXX-XX/XX/XXXX. There could not have been any verification because there was never payments made on that account. They have updated my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. This has significantly affected my credit score while I am in the process of purchasing my first home. If this is not deleted IMMEDIATELY, I will be forced to file a lawsuit. If me purchasing a house is affected by this inaccuracy, I am filing a lawsuit IMMEDIATELY.

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 2021-01-02
Company: MidAmerica Mortgage Inc
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We received a letter stating that our mortgage loan was being sold to XXXX XXXX XXXX from XXXX on XX/XX/2019. Our welcome letter from XXXXXXXX XXXX XXXX was dated XX/XX/2019. I was suppose to make my first payment on XX/XX/2019 but when I tried the payment was returned to me. I tried to call multiple times with wait times over 30 minutes. I finally got to speak with a real person and they informed me that my loan wasn't in the system yet and my payment wouldn't be due until XX/XX/2019. Tried to pay two different times in XXXX and both payments were returned to me. I tried to mail a check on XX/XX/XXXX and they mailed a check back to me. I called again and they said I still wasn't in the system yet and they couldn't take my payment until my loan was in the system. I finally got my payment of {$1000.00} to go through on XX/XX/XXXX by paying on their website. I was a month behind, so in XXXX I made two payments of {$2100.00} to bring my loan current. They never added the payment to my account, so my loan has been behind since it has been sold. I have provided bank statements three or four times to their cash department. They informed me that the bank statements weren't enough, so asked for me to get a letter from my bank stating that the payments had cleared. I provided this letter to them and they still haven't fixed my account. A month after my account was sold to them, my payments were raised even though my house insurance went down. When I called about this they didn't have an explanation for me and said someone would get back with me after looking into my account to find out why. This has been going on for over a year now. We have had several investigations opened on our account and they will close the investigation with no contact to us and nothing being corrected. My credit score took a huge hit because they reported that we haven't made payments on our loan even after providing all documents they have requested to prove we have made our payments. On top of them losing the payment, they didn't pay my property taxes last year and we received a letter from our County Treasurer saying a lien was put against our house. They did correct that issue after I had to send in lots of documents proving a lien was put against the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-10-17
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/XXXX I noticed that Amazon had been changing my Amazon Store care for a prime membership that was not my prime membership. The additional prime  membership that was being charged to my card was a monthly membership while my personal membership is and has always been a yearly subscription. I did not note these charges initially on my store card because the statements were hard to decipher and rather than providing line items it would just state Amazon charge. Recently this was changed and I was able to note the charge. 

I reached out to synchrony bank who holds the amazon store card and was able to determine that this fraudulent activity started on XX/XX/XXXX in the amount of {$13.00} on a monthly basis on XX/XX/XXXX the amount increased to {$16.00} this came to a total of {$630.00} in fraudulent charges. Upon speaking with the bank they stated that I would need to ask for the refund from amazon directly. 

Calling into Amazon I spoke with a representative named XXXX, after much discussion XXXX  advised that she would be refunding the full {$630.00} to my amazon store card but claimed that she would have to refund it in batches. I did confirm multiple times that I would be refunded for the full amount over the recorded line. XXXX  stated that I would receive a confirmaiton email and stated the funds would be in my account within 5-7 days. 

Today XX/XX/XXXX I checked the account and noted that 13 transactions in the amount of {$16.00} were refunded back to my account for a grand total of {$200.00} which left me short of the total amount promised by {$420.00}. I called XXXX to report the descrepency and spoke with a representative named XXXX who stated they did not have access to the call and escalated me to XXXX. XXXX claimed she listed to the call but stated they could not honor what XXXX  had previously promised me and that I should contact syncrony to dispute the charges. I continued to ask extremely pointed questions which eventually lead XXXX to reveal that she in fact had not listened to the call, refused to let me speak with anyone else despite the fact she had been dishonest throughout the conversation. I asked for the subpeona address and ended the call. 

I called syncrony bank to dispute the charges as fraudulent and spoke with XXXX who did flag all of the charges and stated a new card would be opened but their research can take up to 60 days. I attempted to inquire how this could not have been caught as there should not be anyone with two amazon prime memberships. XXXX transferred me over to a manager named XXXX who did confrm that there was no such safe guard in place for consumers and that the issuance of a new card would not create a new trade line.

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 2023-10-20
Company: EQUIFAX, INC.
State: NC
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:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$72.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: RockLoans Holdings LLC
State: CA
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:
In XXXX of 2023, Rocketloans.com started charging me for a loan for which I did not apply. A woman called XXXX XXXX XXXX stole my SSI ID number by hacking my WhatsApp account and stealing confidential and personal information like Driver 's licence but most important my Social Security ID card and number. Unfortunately, Rocketloans.com grants these loans through an online process. Only I am in possession of the original and authentic forms of identification and they are well guarded in my house. This loan should never have been approved. All they have is a Promissory Note which was signed using this woman 's email address - XXXX not my email address - XXXX. More details on the fraudulent loan : XXXX ) The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} XXXX ) Total of Payments The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} {$36000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Lighthouse Acceptance Corporation
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have made a payment arrangement for catching up on two more payments and im consistently recieving harrassing phone calls from them saying i missed the arranged payment which i have not. They then decide to act like 5 year olds and make veiled threats about repossession. This is predatory and is driving me crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Checking and savings accounts were forcefully closed by Chase in XX/XX/XXXX after a {$600.00} promo code was entered. A {$2500.00} refund check was sent with {$5000.00} held back for unexplained reasons. Visited a Chase branch in XX/XX/XXXX to resolve with no success. Contacted Chase Bank and rep said funds will be release once the check cleared and there is no risk of return. 2 months after check deposited Chase still held {$5000.00} with unclear resolution path. Filed a complaint with CFPB in XXXX. Chase responded and request the check writer ( live in Florida ) and account owner ( live in Delaware ) to visit a Chase branch together in person, prove their identity, prove check was cleared from source Bank account before Chase would release the {$5000.00}. To meet Chases demand, check writer flew to Delaware and we visited a Chase branch to spend 1.5 hours with a banker in XXXX. Chase finally released the {$5000.00} via a check dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is required to follow the law regarding investigations of disputed inaccuracies from me, a consumer, whose records they must keep accurate.. When I asked Experian to investigate my factual disputes, they stalled and kept telling me the information was verified and updated, even though the dates they show as updated are several years old My disputed items were not updated. Experian never sent me proof of method for verification. I was notified by them that my disputed items were updated with absolutely no updates or proof of their investigation. 

This is a serious violation. 

Experian never conducted an independent investigation, because if this was done, they would have immediately determined that these accounts are incomplete, and therefore, inaccurate. Experian 's verification process ( e-Oscar ) did not fix the problems. I have never heard of e-Oscar until recently and do not see this tool mentioned in the FCRA. Therefore, Experian did not conduct the legal independent investigation of these accounts. 

In many cases, Experian appears to be intentionally suppressing my credit score by inserting negative items, absent of all account details! 

I am entitled to monetary damages, and I need all information they used to verify these accounts to prepare my legal case. 

I want Experian to please correct, update or delete the accounts below. I also would like to know how they, as a CRA, determine incomplete payment history as accurate. How did they verify this information? 

This is not a request for another round of disputes! 

These accounts, appearing on my Experian Report, have missing payment history : 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 2022-11-29
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:
This is my FURTHER 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Did not give permission for Hard inquiry. Please remove now. 

BK OF AMER Inquired on XX/XX/2022 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 2023-10-16
Company: Aldous & Associates, PLLC
State: FL
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:
XXXX XXXXXXXX XXXX XXXX  XXXX - reported to collections agency aldous and associates. Date opened XX/XX/2019, balance {$130.00} I have contacted both the collections agency and the XXXX XXXX  to request the information as to why this account is open eventhough it's not mine. And I was not provided any information nor account number. 

I have contacted all credit bureaus to create a fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX 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 non-monetary relief