BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: FL
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:
Hello, respectfully receive my greetings, it is to inform and notify that I have been appealing various things from my credit report for some time that is damaging my reputation. I definitely want them to eliminate all credit searches that I did not authorize. 
On one occasion I went to help a cousin buy a vehicle and I would be the co-signer and I made my suggestion that they not inquire about my credit because car dealers are used to making multiple inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Since the month of XXXX after the passage of XXXX XXXX, the economic situation changed as the hours of work reduced them, the costs of the products increased or decreased. I want to make the payments but the economic means do not give me. I want to restructure the payments.

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 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I had been XXXX from XXXX of 2020 to XXXX of 2020 and in that time someone had gained access to my unemployment account and stolen all of my money. I reported this to bank of America and unemployment and the bank had credited my account some of the stolen funds but after trying to withdraw money a few times they would freeze my account and it would be near impossible to have them unfreeze it and this went on for over a year until I just gave up. My account would get opened and funds would be taken multiple times that weren't by myself and no matter how many times I tried to get it fixed the bank would just keep telling me I had to take it up with my sponsor. I just want the money that I was owed and I feel I have all the right in the world to get that. It's been such an insane circus show between bank of America and California edd and I just want what is owed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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'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 non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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'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 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 2022-12-03
Company: EQUIFAX, INC.
State: IN
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 : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out on XX/XX/22 I was a victim of identity theft bc leasing consultant at XXXX by the name of ( XXXX XXXX ) contacted/XXXX  the address on my ID. Because the person pretending to be me was caught in a lie about rather the address was a house or apartment complex. XXXX tells the purp that on the ID it says apartment # XXXX and the phone disconnects. XXXX finds the apartment complex on my ID and calls them to verify the information on the application and ID. I only find out what was going on bc my sister whose address ( XXXX XXXX XXXXXXXX XXXX XXXX ) was faced with a 7 day eviction notice. Once that happened her boyfriend contacted me to let me know whats going on in XXXX XXXX, Fl. Once I found out I went to XXXX twice to meet law enforcement to file a report of Identity theft. XXXX gave her account to Sheriff Officer XXXX and so did I. 

When it comes to these apartment complexes they are just placing debts on peoples accounts rather they verified it wasnt you or not! They dont care they only care about revenue that was never theirs to begin with I never lived at any of the places that are on my account none of this is falls under fair credit anything far as I know I never been a victim of identity theft and have to go through so much to get these false reports off after they knew it wasnt me. They have my social and ID not bc I gave it to them now theyre trying to hold me responsible for the debt to be paid.. In what world are we in??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NY
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. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NVXXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard inquiries 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 2022-07-13
Company: EQUIFAX, INC.
State: AR
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 

XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX Inquiry Date XX/XX/ XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} EQUIFAX XXXX Inquiry Date XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: OH
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:
I have contacted the XXXX credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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 XXXX 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. the accounts I am talking about are listed below : Delete all accounts immediately : Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts : Acceptance Now acct # XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX Adjust 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 2022-05-27
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Untitled { XXXX XXXX XXXX Medical Subject has not satisfied debt. } 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

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 2022-05-27
Company: EQUIFAX, INC.
State: RI
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:
I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : Bank XXXX XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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 disputed 2 addresses with Experian, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since 2007. They say it is a XXXX XXXX. I have had cards where a business used my information to open the cards. I have sent XXXX that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.

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 2023-08-14
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We bought our car from global lending services in XXXX XXXX  for {$18000.00} it is now XXXX XXXX XXXX  and our payoff balance is {$16000.00} after us making {$470.00} payments since XX/XX/XXXX. When I asked them to explain they claimed it was put towards late fees along with charging extra fee amounts knowing my husband was serving overseas during that time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 someone went into a branch and took {$2000.00} from my checking account. My wallet has been stolen and they did this to more than one of my accounts. 

This is devastating, I don't know what to do.

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 2023-08-14
Company: NCB Management Services 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: Account status incorrect

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: OH
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:
n 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 a account without my written instruction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} EQUIFAX MORTGAGE SOLUT XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CarMax, Inc.
State: MD
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:
CARMAX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX GA XXXX I do not recognize this account this is reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have never received a statement from Specialized Loan Servicing. They claim to have mailed me statements but they have not. 

I may have missed a payment in XXXX. I never received any notice of a late payment. 

Specialized Loan Servicing has been compounding late fees for months but never send me a statement. They receive my monthly payments but do not notify about the late fees that are increasing each month. 

They had the wrong e mail address. I am not sure if they tried to contact me at the wrong e mail address. 
Specialized Loan Servicing ( before XXXX XXXX ) has NOT send me a statement. NEVER! 

I have an XXXX credit rating. If they has notified me about the late fee or missed payment I would have paid the XXXX but they did not notify me and just keep increasing the late fee amount to {$230.00} I believe they have changed their records to show mailing statement but they have not send any before XX/XX/2023. 

I suspect they send them to the wrong address. About two weeks ago I had them look at my records and they had the wrong e mail and agree they had not sent statements to my home address. Today they told me their records show mailing statement. Changing the records is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX mail 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