BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : I noticed this problem in XX/XX/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 explanation
Consumer complaint received 2018-04-11
Company: Michael Haynes & Associates, LLC
State: OK
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 received a phone call from my father that a rep, XXXX, told him she was an attorney representing someone who was going to arrest me. I called the number he gave me from my office as it sounded urgent, scary, and I have no reason for someone to threaten that. I got on the phone with a gentleman who refused to identify himself. I told him I was calling from my work phone and to not call that number or my father. I asked him what attorney it is and why she would say I was to be arrested. He told me he listens to everyone 's phone calls and no one would say that. I told him that is what my father said. He told me my father must have been confused. I told him my father does not get confused. The rep scoffed but said okay. He then gave information about the account I supposedly had, which was completely foreign to me. He then said it was a business account, and the name is something my ex-husband used to call our daughter. I advised the rep the account was not opened by me and that I would like information to report the account as fraud. He told me since it was someone who had access to my computer that opened the account that it is not fraud and I am liable. I told him that someone taking your information and opening an account it identity theft. The rep began to taunt me and asked if I was an attorney. When I told him, no I am not an attorney, that I am a XXXX XXXX he was laughing. I asked again for info in order to report the account. He just continued to tell me it wasn't fraud. Since I was at work and he was not helping me, I hung up. The rep then called my father again, despite being told not to, to give my father the account information he refused to tell me and to tell my dad I am very rude. The rep then called me again, at work, despite being asked not to. He said he didn't appreciate being hung up one. I told him he can not call me at work. He then told me he could, and again am I a lawyer to know he can't? I let him know that I had looked up the company website and found that is a non-attorney rep so wanted to know why he wanted to taunt me over not being an attorney when he is not, either. He told me I am a " very rude XXXX '' and that I had better hire a lawyer and hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter to the credit reporting agencies on XX/XX/2023 informing them that they are reporting inaccurate information. The account is XXXX XXXX. It has been past 30 days and the account is still reporting. The company was not able to verify this information so why are you reporting this account? In the letter, I stated that the creditor was not able to find record of the account therefore it should be deleted. In addition, the date last active is not the same and I am well aware that all data furnished should be in compliance with the FCRA which this account is not. I am again requesting that this account be removed immediately. XXXX has since removed the incorrect information from my credit report. Please see the attached dispute letter that was sent last month which is dated and time stamped. The account that should be removed is highlighted.

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 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I deposited a check I received from my credit card company XXXX XXXX. The check was a refund for the balance. I deposited this check into my Merrill XXXX account on XX/XX/2022. Once the funds became available I began using my funds. My account was locked subsequently. I have been patient with Merrill XXXX to unlock my account or close my account. They have decided to do neither. I spoke with rep XXXX XXXX who advised me to step into a branch with a letter proving I received those funds from XXXX XXXX. This was distasteful and disrespectful as I felt treated like a criminal. This is also after 30 days of lies claiming I would receive a call from the back office. I never received a call. Since Merrill XXXX treats their CLIENTS like CRIMINALS, I want to immediately end my relationship with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2020-10-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send money through money gram to XXXX the money was never received by the recipient and he contacted the customer service in XXXX they told him they dont have that transaction, I contact money gram they told me is going to take 90 days to investigate is more than 90 days I call them they told they is nothing they can do Date XX/XX/XXXX Time XXXX Ref:XXXX Amount {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
5 days after missing the first payment on loan my vehicle was repossessed from me and held by the company whom demanded that the loan amount be paid in full in order to retrieve vehicle. The loan was poorly explained to me, I was under the assumption that there was to be one payment made monthly, not two. It has been a year now since XXXX XXXX had taken my vehicle. I have been since honorably discharged from the XXXXXXXX XXXX XX/XX/2018. I currently find myself unemployed and with little hope in sight. This company has caused great distress and more than financial hurt in my life. I was employed full-time with a position I had enjoyed, after losing my transportation I had lost my job. I would just like it to be known how cynical and deceiving this company is. Something like this should not be legal. What they have done to my life now is extreme to say the least. I would like to warn the public of this company and their tactics in hopes that they can avoid this occurring to them.

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 2023-06-17
Company: Experian Information Solutions 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:
I mailed a dispute to Experian which included personal information on my credit report that was inaccurate and asked Experian to investigate and correct it ASAP. I read on the CFPB website how to dispute and that I should expect a response with the updates in 30 days per the Fair Credit Reporting Act which is a consumer law that holds the credit reporting agencies in compliance. Instead of getting the information investigated and corrected, Experian sent me an email stating that they would not be investigating anything because it didn't appear to be from me. First, I never gave Experian my email so I'm not sure why they have my email or why they felt it was okay to respond to me by email. I have disputed information on my credit report in the past and received results in the mail with a full credit report. This appears to be an excuse not to investigate or comply with the Fair Credit Reporting Act, further violating my rights! Hopefully by filing a complaint with the CFPB they will Take Action against Experian to stop them from sending emails and comply with the Fair Credit Report Act and investigate my disputes!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: OH
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 have been trying to dispute invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2018-03-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXXXXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help

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 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit agency is listing a bankruptcy on our credit report without being able to validate its accuracy. Despite asserting that they've verified the information, the bankruptcy court, the primary source of this data, explicitly refuses to confirm its accuracy, as indicated in the attached letter from the court clerk. 

The court is the sole authoritative entity in this matter and the only party capable of attesting to the information 's precision, effectively undermining the credit agency 's claim of accuracy. To complicate matters, the agency relies on XXXX XXXX to report this information, a third-party entity that lacks the capacity to independently verify the data 's accuracy. 

Given that the agency can not directly verify the information 's accuracy and depends on an unverifiable third party, we insist on the immediate removal of this item from our credit reports.

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 2020-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Experian 's WEB site ( XX/XX/2020 ), I could not add a fraud alert using my personal information. Tried several times and different days ... but it asked for data, which wasn't even on the form ( see next 6 items ) 1 ) Please correct your most recent previous address.

2 ) Previous city 1 is a required entry.

3 ) Previous ZIP Code 1 is a required entry.

4 ) Please correct your second most recent previous address.

5 ) Previous city 2 is a required entry.

6 ) Previous ZIP Code 2 is a required entry. ) Tried Experian 's main site, which apparently 'got ' me signed up for a 'free trial ' which I apparently can not cancel ( called XXXX which has a constant busy signal, over the course of 20 calls ) ... then Experian 's site tried to sell me on a $ 20+ per month product ... when all I wanted was to set up a free fraud alert.

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 2023-06-18
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:
Upon checking my credit I noticed some inaccurate reporting on another account at Experian LLC as follows : 1. ( account # XXXX ) name : XXXX XXXX XXXX 

Please provide the following documentations as follows : 1. Original contract baring my wet signature 2. Balance history 3. Credit insurance 4. Payment history 5. Payoff disclosure 6. Interest rate disclosure If you can't provide such documents please remove inaccurate account 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 explanation
Consumer complaint received 2018-11-17
Company: Mr. Cooper Group Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
About six months ago, a remark was placed on my credit report that my mortgage was under a non-govt loan modification. My loan is not under a modification. The confusion seems to be that back in XX/XX/XXXX I was offered an interest-only loan modification provided by the mortage company, NationStar, which I accepted. This modification was for a period beginning XX/XX/XXXX and ending XX/XX/XXXX. No further modifications have been applied for or granted on this loan. My dispute is that the remark that my loan is under a non-govt loan modification is a false statement and fraudulent credit reporting. I have no dispute with the reporting of payment history. This is my only dispute with them is the remark placed on my account six months ago for an event that begin 8 years ago and ended more than 6 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021, and XX/XX/2021. There was an error on their part. I was never 30 days late twice.

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 2021-04-25
Company: EQUIFAX, INC.
State: NV
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:
This agency is in violation of XXXX U.S.C. XXXX. 

They were to notify me of this in writing XXXX days prior, I was not. As I am the original creditor, only I can validate this debt. I do not validate this debt. 

Account # in question : XXXX I have tracked the letter I sent to them as received via certified mail receipts, and no action has been taken to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not 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