BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Ive called and written to Transunion credit reporrting agency on numerous occasions for address, late payment and other claims on my report. They have defiled my character and stopped me from getting credit with numerous financial institutions. Ive tried for months to get these false reports removed. According to law 15 USC 1681 section 604 it allows consumers privacy. I never gave my consent to post anything concerning my private information. Addresses other the my current address is irrelevant. All hard inquiries outside of XXXX XXXX XXXX  arent mine. Late payment and other derogatory statements arent mine.

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 2023-12-01
Company: EQUIFAX, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
Subject : Formal Complaint Against Equifax Information Services LLC for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax Information Services LLC for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within 15 days of receiving a request from the consumer for that description. 

Despite my dispute submitted on XX/XX/23, Equifax Information Services LLC has not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring Equifax Information Services LLC adheres to the FCRA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I fell victim to a XXXX scam on XX/XX/XXXXXXXX A tree fell on my family 's house, and we were working with a contractor we did not know to clear it. After he left with checks, he began e-mailing that he could not cash them, and asked if we could pay via XXXX. This was because the real contractor 's e-mail had been hacked. We lost {$3500.00} to this scam. 

We realized we'd been scammed on XXXX XXXX, and immediately contacting Bank of America. We also filed a police report that day. 

On XX/XX/XXXXXXXX Bank of America notified me via letter and e-mail that they could not cover the claim. 

My understanding is that under Regulation E of the Electronic Fund Transfer Act, Bank of America does have to cover the claim because the transaction was obtained fraudulently.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have reached to XXXX XXXX where I dont expect too much from you now because you continued to report this fraudulent information in my file though I have sent over the documents needed to justify my concern about being an identity theft victim. I dont believe that you there at Experian have no time to tackle or review my complaints and Im sure you have seen my XXXX XXXX XXXX XXXX Ive XXXX. So my question again is, why are you letting my complaint pass? Dont you know you have caused me so much stress since youre still reporting this damaging record on my credit file? I talked to the companies and they told me they approved of deleting the accounts from my file. Common! Be responsible and abide by the FCRA XXXX! 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: FL
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 unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXXt XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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 sent letters to the credit bureaus regarding 3 debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2022-12-27
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX 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 Balance 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 2023-06-16
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: Account status incorrect

Complaint:
Dear Sir/Madam, I am writing you in order to request the deletion of the incorrect information on my credit report. The account under concern is : XXXX XXXX - XXXX. Your company is reporting that I missed a payment on XX/XX/2022, while I was never late. I tried to contact your company through calls and letters, but this incorrect information is still appearing on my credit. So I had to submit a complaint. Please delete this late payment mark from my credit 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 non-monetary relief
Consumer complaint received 2023-07-23
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:
XXXXXXXX XXXX has never removed the late payment that was placed on my accoount but I'm submitting this letter because of covid i Fell behind on one payment.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: PA
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 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 explanation
Consumer complaint received 2019-08-21
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:
I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax and XXXX  where did they get this information and provide proof of ownership but not a single account was proven to be mine.  The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX,  XXXX XXXX XXXX,  XXXX XXXX, XXXX XXXX XXXX,  XXXX/XXXX XXXX, XXXX XXXX XXXXXXXX,  XXXX/XXXX XXXX,  XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX)XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX,  XXXX XXXX    (Original Creditor: 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: GA
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 student loan have been reported on my Equifax, XXXX, and XXXX files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$4500.00} ;

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 2023-11-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX NY keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to 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 2023-12-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting 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 have did disputes with Equifax and XXXX for over 8 months on inquiries that i disputed on their respected sites, going all the way back to XX/XX/2023, they refuse to removed them, I've disputed the same items again multiple times since XXXX when i learned of them via my credit report. Their still there, I'm a XXXX XXXX XXXX XXXX XXXX XXXX, with XXXX, I'm working thru a temp agency now, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have to ride the city bus which exacerbates my injuries, I've been trying for over 8 months to get and auto loan. I've been turned down twice just recently, because when the Banks look at all the inquiries they get spooked. This is effecting my ability to get fair treatment in lending, a vehicle would give me more opportunity in the job market outside the bus areas. I've called them both and each time i wait and nothing changes. I have plenty medical issues, I'm on about XXXX XXXX XXXX XXXX XXXX, i have XXXX, i live in a cold climate, if i slip and fall this winter while on a bus stop in 30 below zero weather, someone will be to blame. I've done all the appropriate things, to build good credit, i never been late on payments on the new cards i received over the last 8 months. I've explained this to the Car agencies and the answer is till no. I think if you look into this, it's discrimination going on in this current climate more than usual, PLEASE ASSIST THE DEAD OF WINTER IS COMING THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Requesting to permanently opt out from the lists that CoreLogic provides to businesses that send firm offers of credit or insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i sent letters to this collector on XX/XX/2020 and i have not received anything back. they only have 15 days to provide me with everything that i asked for in this letter i sent but they disregarded it which means this item should be deleted from my credit report. sending a bill is not acceptable because i can type a bill and just say someone owe me so i demand to see where i signed for this which is not true.

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 2022-10-13
Company: Specialized Loan Servicing Holdings LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I waited to file this complaint. On XX/XX/2022, I was told by the mortgage company, Specialized Loan Servicing, that an escrow refund check had been mailed on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received a check in the mail. Please read on : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I held a mortgage ( # XXXX ) with Specialized Loan Services for a condo ( XXXX XXXX XXXX, XXXX, XXXX ) and sold the condo unit in XX/XX/2022. As seller, I signed on XX/XX/2022 and the loan closed on the XXXX of XXXX when the buyer signed. 

My understanding from speaking to a compliance officer at a local mortgage company is that according to Regulation X, Specialized had 30 days to mail proceeds to me from escrow and any other remaining balances to my favor from the transaction. I followed up XXXX XXXX XXXX XXXX  XXXX on numerous occasions and was told that a refund check had been mailed. 
I never received a check. As I never received a check for the {$1900.00} owed to me, Specialized " supposedly '' stopped payment on the original refund check, stating that they were going to reissue the check. I was told at the end of XXXX that the check had indeed been reissued. It was not. My next all in mid XXXX clarified that I have been given " incorrect information ''. I have been getting the run around from XXXX, having at least 8 phone calls with Specialized, being passed between various offices and representatives, each time being told a different thing. I was requesting a check be reissued immediately and overnighted by way of a method with tracking. The last conversation I had was with a representative on XX/XX/XXXX. In that conversation, I was told that a check had been mailed on XXXX XXXX by way of snail mail. I told Specialized that I did not believe them and that I was filing a complaint with the CFPB because they were far out of compliance with Regulation X which stipulated that they pay me proceeds within 4 weeks of loan closing. I'm asking that this complaint be logged and corrective action taken.

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 2023-03-06
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My business checking account was closed and I received a refund check but the check did not clear with the bank and I was charged a penalty of {$15.00}. I've contacted kabbage Inc at least 4 times concerning this issue. Everytime I was told that the check was being reprocessed and that it would be sent to me by mail in 10-15 days. However, I never received another check even after several contacts with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: FL
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation