BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: MO
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 submitting this CFPB complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus requesting the correction of the disputed accounts reporting inaccurate information on my Credit File. I feel like the Credit Bureaus are not doing what they are ought to do. Under the Fair Credit reporting Act, the Credit Bureaus are required to investigate and correct any accounts and information that are reporting inaccurate information. For the last 6 months, I have been disputing for the correction of my Credit File, however, the Credit Bureaus have been ignoring my disputes by not responding to my Dispute letters. They surprise me by instantly reporting the disputed accounts as verified on my Credit File without properly sending me copies of proof of their investigation and verification. This action of the Credit Bureaus is a clear violation of my rights under the Fair Credit Reporting act. If the Credit Bureaus really did conducted an investigation, they should have sent me copies results of their investigation. As of now, I desire nothing more than just the correction of the following accounts on my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: American Financial Network Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have tried to contact my mortgage company over 30 times in order to get copies of closing documents. I am trying to refinance through another company and my current company has not provided me with the documents that I need for 21 days now. I have tried every avenue to get this information to no avail. I dont know if there are rules in place about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid off with the stipulation that XXXX XXXX XXXX would remove the account from my credit reports. This account was paid directly to XXXX XXXX XXXX in XX/XX/2018. I noticed this account was still negatively impacting my report when my credit profile was reviewed recently by my mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: EQUIFAX, 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 status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
One of the companies is Transunion I have never heard of nor have I ever charged anything with this company

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 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I issued one of my contractors a check for the amount of {$4000.00} from my checking account ending XXXX. Within a few hours, I received a call from my contractor stating that Bank of America had refused to let him cash the account. 

Due to criticality of the contract, I personally went to the bank and asked the teller to let my contractor withdraw the funds. The bank staff told me that the amount was over the limit and that's why they were unable to release the funds. When I asked the branch manager what the limit was she stated " we are not allowed to tell you the limit but {$4000.00} is too much ''. The only option I was given was to personally receive the cash and hand it over to my contractor who was with me in the branch, which I agreed to. When the teller gave me the cash, she deducted {$8.00} from the total amount and handed it to me. When I asked the reason, she said because the recipient ( my contractor ) didn't have an account with Bank of America and hence the {$8.00} deduction. Finally, I re-wrote the check and cashed it myself. 

During the time I spent in the branch, the bank staff kept encouraging my contractor to open an account in order to avoid this situation in the future. Furthermore, the staff was unable to explain where the transaction limit is written on my check or been communicated to me by the bank and refused to reveal they arbitrary limit. 

I'm reaching out to you to request the bank for a clear explanation. I'm also send a copy of this complaint to the Senate Banking Committee as we have seen increased efforts by Bank of America to force people to open accounts 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 2023-08-08
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Currently, I don't have a job and I can't apply for jobs at trucking companies. 

All the truck companies I applied to required : - 3 months experience - Graduates of XXXX A need school certificates and transcripts With the driver training agreement from XXXX, I didn't get a job anywhere and couldn't use it for anything else. 
I didn't quit my job during my training at XXXX. The staff at the new driver training center stopped my work with unconvincing reasons. 

I need more time 1 year for me to have a stable job and I will pay the driver training agreement payment as below : Weekly Payment Plan for a term of 1 year ( interest free ) : {$110.00} per week And I also need XXXX help and facilitate, so that I can apply for jobs at truck companies, related to the amount that I have agreed with CRST.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never opened this account. I called XX/XX/XXXX to ask why this account appears on my credit report in XX/XX/2020 ; they would not give me any information because I could not verify the security code on the account. I explained they were incorrectly reporting this account to my credit report ; however, XXXX stated that because I could not verify the account with them, they would not help me. I asked to be contacted by a supervisor or manager, no one returned my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: NV
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:
Hello, My name is XXXX. I noticed on my credit report that there are things that do not belong to me. As I reviewed my credit Report, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as soon as possible. 
Best Regards, *Please see attached FTC reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: PA
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 requested that this account be verified previously and it was removed from my credit report. I requested validation again and they are ignoring my request. Since when can an account be added back to a credit report with a different name and more inaccurates.

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 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After a year this bank decided to tell me they made a baking error mistake and now my account is overdrawn they claim they gave me 2 credits I dont recall and they recently denied my fraud claim {$1600.00} I was robbed by a doctor got charging me for service not told they refuse to help me to recover get my money back

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 2023-06-15
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/XXXX one of my citi cards was updated to a rewards card then reversed without my consent, see previous complaint. I filed formal complaint with Citibank on that employee. XX/XX/XXXX without warning my credit was decreased significantly and without provocation on both my Citi accounts ( 1 card went from {$13000.00} to {$8800.00} and 1 card went from {$7700.00} to {$4800.00} ) odd credit limit number right?. I contacted Citi executive department for some resolution with no formal explanation and the problem was NOT repaired. I expressed that decreasing someone's credit limit based on credit bureau makes no sense seeing that I was over XXXX at that time. This action would cause havoc within the credit bureaus ( now at XXXX ) and thus showing what damage it caused. Earlier this week XX/XX/XXXX ( just 3 months later ) Citi has decided to decrease the credit limit once again ( XXXX card went from {$8800.00} to {$5400.00} and 1 card went from {$4800.00} to {$2000.00} ) again an odd number. Conveniently as I pay each card down it decreases just above the amount I owe. Which in turn causes the credit bureaus to adjust based on the percentage owed. My oldest credit is 24 plus years old and for the past 10 years I have over 100 % on time payment. I have excellent credit limits with all my creditors except for Citibank now ... seems odd? ( I have paperwork that can be attached ).

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 2020-12-23
Company: Experian Information Solutions Inc.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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
Consumer complaint received 2023-02-08
Company: LEXISNEXIS
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:
My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third  party being involved. LexisNexis is furnishing tradelines on my consumer credit file that is a result of aggravated  identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you Lexis Nexis, XXXX, and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4  days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud. 

Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says, " 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 an account without my written instructions ''.

Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NC
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1781 and they violated my rights numerous of times. I demand the accounts mentioned below to be removed because according to 15 USC 1681 : I have the right to privacy and o did not give equifax written permission to furnish those accounts Accounts XXXXXXXX XXXX XXXX XXXX  All hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
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 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 : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-06-13
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: Was not notified of investigation status or results

Complaint:
Due to an XXXX data breach my personal identity was compromised and thus, stolen and use in a number of fraudulent ways. As a result, I have a large number of fraudulent accounts being negatively reported the three primary credit reporting agencies. I have done nearly everything in my power to have the information removed and/or corrected on my credit report. However, the big businesses ( XXXX, Transunion and XXXX ) have totally ignored the law as it relates to their responsibility to ensure that the federal laws are being followed when reporting consumers information. Much of what they are reporting on my behalf is either totally wrong, fraudulent or a violation of federal law that clearly indicate what can be reported and how it should be reported. After, numerous attempts to have the above agencies correct all that is in error on my credit report they have refused to follow the federal laws that govern how they do business. Thus, leaving me and my family in a unjust situation when it comes to living the American Dream. My request is that the credit agencies investigate as they should and not just return a response of account validated. Given the fact that once your identity has been stolen or compromised the individuals committing the fraud has all of your information. Therefore, the account may appear to be valid. However, if they do not validate my personal signature and present a signed contract, they have no way of truly validating the said information. Therefore, I humbly request that you assure that the credit reporting agencies are providing the fairest service that will ensure that my credit file is being report correctly without the said fraudulent information and ignorance of federal law. 

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 2022-11-14
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: Account status incorrect

Complaint:
There are accounts in my report that should not be reported. They are not familiar with me and should be removed.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: MI
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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