BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
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:
Equifax Complaint : They show 2 credit inquiries from XXXX that were not mine. First on XX/XX/2018 and second on XX/XX/2018. I've disputed it with both Equifax online and the results were and they said a credit inquiry can not be manually removed. I've called equifax several times and they have not removed and done anything. 
On XX/XX/XXXX I have set up a fraud alert with all credit agencies, nothing show all the other agencies only at equifax. 

Fast forward I received a notification my credit was pull again by XXXX XX/XX/XXXX. Again, i have not authorized or applied for anything. I called XXXX fraud department at XXXX and was told the same information. No account was created with my info. 

XXXX Complaint I've contacted XXXX fraud department several times at XXXX. They say no accounts have been created on my name and perhaps this is just a reporting error. They keep on telling all I can do is go to their website and file an inciddent. 

Neither XXXX or Equifax seems to be wanting to resolve the reporting issue and update my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account capital one, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written + instructions.

11.4K 15 USC 1666B : A creditor may not treat a payment on a credit card 337 account under an open end consumer credit plan as late for and purpose.

2955

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: MD
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 recently gained a copy of my credit report and noticed inaccurate and unfair inquiries that are hurting my general reputation as a consumer. I demand these bureaus to delete said inquiries, and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these inquiries without written signature. attached are the fraudulent inquiries made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
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:
I am writing to inform you that on XX/XX/XXXX, I contacted Equifax regarding several pieces of incorrect information on my credit report. Despite my initial contact, I have not received a response from Equifax to date. Below, I have outlined the inaccurate information and the necessary corrections : The following account was never late : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$16000.00} Action Required : Please correct/update this inaccurate information on my credit report. 


The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$5900.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} Action Required : Please remove it from my credit report. 


The information indicated on the XXXX account is imprecise. The balance of {$390.00} that you state for this account is higher than the amount that I remember. Please remove the amount indicated in the Past Due section, as this account has a closed and charged-off status. I plan to have a conversation with the creditor of this account to clarify all of the reported data. Until the appropriate corrections are made, please mark this account as disputed. Creditor : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$390.00}. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$3500.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$6000.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$4500.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Action Required : Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name 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 non-monetary relief
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi there, Over the past few months I have been trying to dispute the accuracy of personal information on my credit report and I have failed to get a resolution. Past addresses keep showing up, past employers keep showing, and unrecognizable spellings of my name to mention but a few. I sent disputes to XXXX, Trans Union, and XXXX that are pending for the last two months. Old accounts that were closed years ago are still showing and the number of open accounts, I have disputed but never had an updated result. Can someone with a better approach to the fair credit reporting act help me out, please?

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 2022-08-12
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:
Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.can go on and on X The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this

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 2022-05-19
Company: Experian Information Solutions Inc.
State: MI
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 lost my wallet and I am victim of identity theft and I submitted a police report to the credit bureaus for the accounts that were open and nothing further has happen. 
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 2021-09-25
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened an account with Citi Bank ( Citi XXXX XXXX  ) ... promised {$700.00} Bonus ... .we met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !

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 2023-05-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

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 2020-07-10
Company: United PanAm Financial Corp.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account belong to my ex i didnt knew she didnt pay it off and when i went to see my credit the account was charged off im trying to take it out and they dont want to i made a payment arrangement but they still dont want to remove i didnt know that account was negative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Account status incorrect

Complaint:
On today ( XX/XX/22 ), I had spoken with, XXXX XXXX about the following : past accts/debts, that was deemed legally uncollectable/unenforceable, judgment proof, closed, delinquent, had a balance, and charged-off that were removed, from my credit report eventually! Mentioned about the XXXX XXXX XXXX ( ending in XXXX & XXXX balance ), not being addressed, corrected, and resolved by now! In addition to that, XXXX XXXX had set in motion : some transactions Equifax was supposed, to be looking into, and investigating ; only some of them was resolved! However, the main thing went unresolved, untouched, and remained as is, from previous complaints/disputes! Equifax is also engaging in illegal reporting/practices, in this aspect : under my Equifax platform XXXX my credit report is displaying, and advertising something totally different, from what their third-party vendor ( XXXX XXXX  ) has under their platform! The question becomes why or is this legal to do? They also refused me, the right to add, an additional statement of facts, to my credit report! At the end of the day, Equifax has no intentions of making, the wrong right ; when it comes to this particular consumer, and her credit report matters, issues, and requested resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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: Account information incorrect

Complaint:
1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX   XXXX {$0.00} 4. XXXX  XXXX XXXX -! XXXX 5, XXXX XXXX - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file. company name : XXXX/ Dates : XX/XX/XXXX and XX/XX/XXXX. 

Remove immediately, this is in violation of the FCRA

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 2022-12-05
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days

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 2022-05-18
Company: Experian Information Solutions Inc.
State: WI
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:
The Credit bureaus stated all my negative account, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2019-06-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was serviced by XXXX XXXX and it was recently moved to Specialized Loan Servicing. I have had nothing but trouble with the new loan service. I want to make my XXXX payment but they have not applied the money that was sent to them on XX/XX/19 by Save your home California. I have sent a number of emails and have spent hours on the phone with them requesting that they apply the payment so I can make the XXXX payment. In addition even though they are supposed to pay for my Hazard Insurance and Property Taxes they  claim I do not have Hazard Insurance. I am trying to verify that they are paying my property tax. I do not trust this company at all and I am very upset that I am forced to deal with them. Any assistance you could supply would be great.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I request via certified Mail in XX/XX/XXXX a BENEFICIARY REQUEST STATMENT pursuant CA Civil code 2943 in regards this mortgage Account to the Beneficiary, Investor, Owner of my property BANK OF AMERICA. In the letter I explained my grievances having with its Servicer in using Fabricated Fraudulent documents to block my legal proceedings and denying me to get an Affordable Loan Modification, even after I spoke with XXXX XXXX a manager for Bank of America in regards He promised me to have it taking care but his promises felt short. 
I ' m attaching the first response from Bank of America 's Attorney Dated XX/XX/XXXX denying to respond me she attached old responses from XX/XX/XXXX another from XX/XX/XXXX stating BANK OF AMERICA is the only investor and the response from its Servicer XXXX XXXX dated XX/XX/XXXX stating due to a pending litigation they cant provided me an answer, Just for your information the Litigation is an Appeal stage and does not have not issue in regards my letter states " BENEFICIARY STATMENT REQUEST '' it doesn't name no servicer. 
* I did a second Request of the same document last XX/XX/XXXX and Bank of America responded XX/XX/XXXX stating the same response as XX/XX/XXXX. 
( Your system didn't allow me to upload the second request and the Bank America 2nd answer ). 

Bank of America denied to responded me it has concealed information to disclose to me in regards been the Real Beneficiary/investor/Owner in my House property Deed of Trust. I would get Assistance with my Congressman XXXX XXXX to escalate with one of your US Regulators to fully investigate Bank Of America for Concealing to use fraudulent documents and Allowed its Servicer XXXX XXXX using an Unauthorized Trustee " XXXX '' to steal my house in a Foreclosure Sale dated for 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