BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXXFraudulent to be removed by XXXX, Equifax XXXX AND XXXX 

XXXX XXXX -Fraudulent to be removed by XXXX XXXX Equifax XXXX AND XXXX 

XXXX XXXXFraudulent to be removed by XXXX, Equifax, AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: HomeTown Lenders, LLC
State: FL
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I received a tax bill in the mail, and it was not marked " to be paid from escrow '' which it should be. I attempted to contact my mortgage company - HomeTown Lenders , Inc. First I emailed them the issue, with a copy of tax bill, and when I didn't hear back, I tried calling, their phone was out of service, I tried to contact the local broker, and he also never returned calls/email/text messages. Today, XXXX XXXX, I once again went to reach out about tax bill, as well as to pay my mortgage payment due XXXX XXXX, and the HomeTown Lenders website hometownlenders.com / XXXX has been suspended. I again tried every phone number I had for them and all are disconnected or out of service. Tried once more to contact local broker still no response. I am not sure what to do now - I have no place to make a payment and do not want to be late .... 

Looking online, HomeTown Lenders seems to be out of business, I have had no contact from them since XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : Illegal Credit Practice Complaint Name of XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Case Number : # XXXX Tell # XXXX To Whom It May Concern : The original contract of the amount of finance with XXXX XXXX was {$3300.00}, with a down payment of {$500.00}, cash, and {$1000.00} with a check and a TOTAL OF XXXX. Please see attached. 

Payments were made with XXXX XXXX 's personal checks from XXXX XXXX personal checking account. The remaining balance should be {$3300.00}, with 42 months of free Financing to pay without interest, because its against my religious obligations. They agreed with me and my monthly payment was {$80.00} per month for 42months, I paid 2 years, and then the county get a recession, and XXXX XXXX and XXXX break up the contract agreement, I still was paying until XXXX asks me to pay back all the interest for the last two years, which I refused to do so, I contacted XXXX XXXX XXXX and their documentation does not go back 10 years to provide canceled checks. See attached letter from XXXX XXXX. 

XXXX and XXXX XXXX are no longer one company and XXXX has debt collection garnishing funds at the full price of the original purchase contract from the co-signer XXXX XXXX. 

Last year they garnished approximately {$4000.00} from XXXX XXXX, and we had to go to court and overturn the action this has now happened again recently, and again, they took XXXX, out of his account, and they are going after his job to collect his wage but he doesnt have a job now. 

How can we correct this error and stop this from happening repeatedly? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Back in XX/XX/2023, I added my wife as authorized used on my Bank of America visa credit card. Bank of America sent a new credit card on my wife 's name ( with same Credit card no and other details ). Now this card was stolen from my mailbox in my apartment. I never received the card. After few days I realized that my credit card has been misused when I checked my statement. I could see fraudulent charges to the tune on {$1500.00}. 

I immediately called and reported this fraud transactions to Bank of America and they opened a claim. Initially they provided the credit back in my card account but then they rolled it back and denied my claim quoting that I have used the card in person using pin. 

I reopened the claim and told them that this is incorrect and that I have never received the card in first place. I even went to Bank of America nearest branch but their representative told me the only option is to call them and they can not help. 

It has been more than 4 months and I have called them several time but Bank has not honored my claim and not doing anything to resolve it. It is lying in research status since then. Please check the attachment. I am long time customer for them and never delayed paying my card bills. Finally I have no option to open this complaint.

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 2023-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, New York XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report. 

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration. 

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This account is on a balance liquidation plan. I paid the amount due on time. It was supposed to be an automatic payment with only {$63.00} due. Now it is being reported as 30 days late when I paid on time within the required terms. The conversation is on file with the bank. I did not make a late payment and this should be removed from 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXXate of inquiry : XXXX. The inquiry was not XXXX XXXX XXXX XXXXDate of inquiry : XXXX. The following account is not mineXXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX  token is no longer working. 
We need assistance to access it in order to work in our accounts. 
No one answers the phone. 
The prompts do not match the problem. 
The complaint phone numbers guide you back to the original prompts. 
Does anyone work here anymore? 
Closed branches, how do we get help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
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 am request that the XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation. I am now requesting that you remove this account from my credit report as it was opened without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I sent letters to TransUnion, XXXX, and XXXX to correct errors currently on my credit reporting. I was advised they have looked into it, however, it's still showing on my credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 
Please delete these fraudulent items in my file : XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: IA
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:
My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I 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 dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 603A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/or authorized the release if any goods or materials under these listed accounts. I wish to dispute these fraudulent items under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : 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 non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion File Id # XXXX Will someone at TransUnion PLEASE CORRECT MY CREDIT REPORT? I have repeatedly brought this matter to TransUnion, but they keep stating that the information reported is correct, but it is clearly not. I previously disputed this issue on XX/XX/XXXX and XX/XX/XXXX, and it was incorrectly addressed. If my credit report is not corrected, I will file a suit against TransUnion and XXXX XXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ). 
TransUnion and XXXX XXXX XXXX XXXX reporting that I have a balance of {$17000.00} for a XXXX XXXX. First of all, I have never taken out a student loan with XXXX XXXX XXXX Secondly, XXXX XXXX most likely does not provide student loans as they are strictly a mortgage company. Thirdly, I once had a mortgage with XXXX XXXX ; XXXX, the mortgage was originally sold to XXXX and, most recently, to XXXX XXXX. Because the mortgage was sold, the tradeline for XXXX XXXX XXXX XXXX a XXXX balance and is reported correctly as a XXXX balance with XXXX and XXXX. TransUnion refuses to report the balance of the DovenMuehle Mortgage/Homeside correctly and instead is reporting the same tradeline information for my Dept Of EDXXXX for the XXXX  Mortgage/Homeside tradeline. This means TransUnion has for several months inaccurately reported that I owe {$17000.00} more than I actually owe, and as a result, my TransUnion credit score is approximately XXXX points lower than XXXX and XXXX. This impacts how creditors evaluate my debt and has been detrimental and resulted in denied credit applications. This is my final attempt to have this corrected outside of court. If my credit report is not corrected, I will immediately file a suit against TransUnion and XXXX XXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ), and will seek financial remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
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: Credit inquiries on your report that you don't recognize

Complaint:
When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : XXXXXXXX XXXX XXXX. Which is not even connected to an open 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 2022-12-13
Company: Westlake Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NOWCOM/WESTLAKE FINANC XX/XX/2021 Did not consent to unauthorized inquiry

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