BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: LEXISNEXIS
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX is reporting a closed account on each of the major credit bureaus on my profile. I have been disputing this account with the credit bureaus for over a year. This account does not belong to me. I have zero knowledge of this account. I have never received correspondence from the bank via mail or phone notifying or confirming that this account belongs to me.

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 2019-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was the victim of theft and my wallet was stolen, included credit, debit cards and drivers license. No checks were stolen, no ss card was stolen. Police report filed, bank and all creditors notified, cards reported stolen. On XXXX I was notified in writing via US mail that a check fraudulently made out to me was cashed at a bank of america branch using my name and drivers license in another state, despite the signature not matching and the person cashing the check did not have any checking account information. The check was later returned by the issuing bank as it had been reported stolen. Bank of America then debited the amount of the check, {$1900.00} from my account. They sent me a scanned copy of the check with the notice. I reported this as fraudulent on XX/XX/XXXX to a local branch and also spoke with the fraud division by phone regarding this claim. They are denying me access to those funds and telling me they have 60 business days to investigate the matter. This is despite my supplying multiple documentation that this was fraud. I can not get any assistance from BOA customer service or fraud division. I desperately need this money redeposited into my account, and need someone to assist me with BOA. Thank you

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 2020-09-04
Company: Experian Information Solutions Inc.
State: MS
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:
Experian and XXXX are fraudulent on my account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX DPT EDXXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to be 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. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$200.00} Account Name : XXXX & XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$110.00} Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account was Opened : XX/XX/XXXX Account Balance : {$490.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, my wife was laid-off from her job in hospitality, as a result of COVID-19. She was told by her employer that the furlough was indefinite and that, if she was reinstated, her pay would be reduced by 40 %. She was unemployed for 3 months before finding another job. As a result, we requested a mortgage forbearance under the CARES ACT.

Our mortgage lender, Fifth Third Bank, assessed our hardship and offered a 6-month deferment, which was agreed to over the phone. After the 6 months ended, the lender again offered another 6-month extension for our deferment, which again was agreed upon over the phone and officially recorded. 

In XX/XX/XXXX, we contacted Fifth Third Bank and agreed verbally to a work-out plan placing the balance at the end of our final pay-out to our loan. As with the first work-out agreement, this was recorded over the phone and purported to be official. 

In XX/XX/XXXX, we resumed making our scheduled payments to the lender. 

In XX/XX/XXXX, the Fifth Third Bank claimed that our forbearance was " On Hold, '' they were reneging our agreed upon work-out plan, and they were asking for complete payment of deferred payments from the last 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NV
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 XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, GA XXXX. 
Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Dispute of Inaccurate Information - Urgent Removal Request Dear XXXX Consumer Relations, I am writing to dispute a derogatory delinquent account that was reported by XXXX XXXX on XX/XX/2023, which inaccurately states that I owe {$10000.00}. This erroneous information has significantly harmed my credit score and financial well-being. 
Despite my efforts to rectify this matter, XXXX XXXX has failed to correct the inaccuracies. I provided evidence of double payments made, but they continued reporting late payments. Even after a year has passed, the incorrect information remains on my credit report, negatively impacting my financial standing. I lodged a complaint against XXXX XXXX with the CFPB ( Complaint ID : XXXX ). 
I hereby request the immediate and permanent removal of this account from my credit report, as XXXX XXXX XXXX actions violate my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate credit reporting, and XXXX XXXX XXXX persistent refusal to rectify this matter is a direct violation of the law. 
As an affected consumer, I am entitled to seek compensation for actual damages, punitive damages, attorney 's fees, and penalties associated with FCRA violations. I urge XXXX to take swift action in accordance with the FCRA and remove this erroneous item from my credit report. 
Please consider the urgency of this matter, given the impact it has on my financial situation. I eagerly await your prompt response and resolution to this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am formally requesting an investigation into specific items on my credit report that I believe to be inaccurately reported. This account is causing both financial and emotional distress due to their derogatory nature. The details requiring removal are as follows : XXXX XXXX. This listed item is entirely incorrect and demand correction. According to my understanding of the law, I expect your thorough investigation within a thirty-day timeframe. I anticipate your prompt response. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.

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 2018-07-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've made several attempts to ensure I did not miss my due dates : XXXX/XXXX  payment methods does not allow multiple auto payment schedule dates. ThIs company Website only allows one payment schedule per month. This practice leaves customers/consumers open for miss payment and incurring late fee payment. Thus increasing the debt owed and the balance never ending. 
Calling customer service only credit one late payment fee. I was just recently been able to set up an additional auto payment with my bank 's new-bill pay option. This has caused me to make two monthly payment per month. I want to them to facilitate my & everyone 's payment options like other financial institutions allow. 
Below is a breakdown & actual bill statement also attached Please note the following. 
XXXX {$25.00} payment XXXX {$25.00} payment & XXXX {$27.00} late fees* XXXX {$27.00} payment XXXX {$25.00} payment XXXX {$27.00} payment XXXX {$25.00} payment = note I established two separate  payment option in XXXX for XX/XX/XXXX paymen & I still received a late fee in XXXX. 
XXXX {$25.00} payment XX/XX/XXXX {$25.00} payment XXXX {$37.00} LATE FEE XX/XX/XXXX {$25.00} PAYMENT XXXX {$27.00} LATE FEE XXXX NO PAYMENT XX/XX/XXXX {$27.00} PYMENT XX/XX/XXXX {$25.00} PAYMENT XX/XX/XXXX {$27.00} LATE FEE CREDIT FOR XXXX XX/XX/XXXX {$27.00} PAYMENT XXXX 27 LATE FEE 10 You will notice two payments made per month. This was established with my personal banking instituion to set AUTO PAYMENT to avoid late payments & its late fees. Since XXXX and I havent been back to However I was not able to go back to the CREDIT=XXXX/XXXX  TO STOP MY MONTHLY DOUBLE PAYMENT.Since this insititution does not accommodate multiple schedule on their website. Now I'm paying this bill twice. In as much as my debt with this institution will end faster. I am on a tight budget and can not afford to make double payments. 

I've establish the two bank payment due to XXXX/XXXX not allowiing multple payment dates thus causing me to miss scheduling a payment on time.and incurring late fees. i established the second bank bill pay option to avoid late fees in XXXX. In XXXX i received a late fee. 

Please this account is causing me undue stress and can very well be affecting my credit score due to their outdated payment system. as I attempt to make all my outstanding bill monthly payment on time with auto pay until my balance is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS XXXX XX/XX/XXXX not 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 explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: TN
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:
There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Balance Due {$350.00}.

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 non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When the COVID-19 pandemic first occurred I called the company, XXXX XXXX, when I first lost my job and they told me that the only thing that could be done for me is they would erase late payments. So as soon I as I received any financial assistance I made sure it was one of the first bills I took care of because it was showing up as a late account on my credit report. That was in XXXX. In XXXX the account was up to date. I kept checking my credit report and it has not been updated since XX/XX/XXXX. I have been in contact with them 4 different times and they have given me different answers every time. I called XX/XX/XXXX and they told me there was a freeze on my account and they were going to take it off so my credit would be reported on the XXXX on XXXX. I then received an email XX/XX/XXXX and it said they were not reporting until XX/XX/XXXX. Now they just told me I have to fill out a form to take the freeze off. I also have disputed this with each of the credit bureaus and they told me the information was accurate and nothing about a freeze.

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 2023-07-19
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 took out a personal loan with this company to pay off some credit card debt, etc. in XXXX, I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXX of XXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. My family disowned me due to my XXXX  lifestyle telling me that I was an " abomination '' to them and a dirty sinner. I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXX of XXXX, they continue to send mail anyway and my former landlord explained to them MULTIPLE times that I was not allowed to have mail UNLESS pre-approved to do so and they CONTINUE TO LIE on top of EVERYTHING else. I was going to repay the debts out of Goodwill, but Upgrade the original creditor CLAIMED that COULD NOT accept payment for the personal loan account, I called them in XXXX to arrange payment having spoken to SEVERAL representatives, they claimed they were investigating the account for my debt forgiveness/repayment plan and THEY LIED ABOUT SELLING THE PERSONAL LOAN to XXXX XXXX XXXX XXXX  in which they sold my credit card account that I had with them as well. I opened the accounts to rebuild my credit and I was going to use the credit card as make a down payment on a vehicle that I wanted to acquire and go from there. I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. This issue has triggered my XXXX and other mental health issues causing me to be on medical leave and five medications. This issue HAS ALSO made me want to attempt suicide SEVERAL times. I have NO money for therapies as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

Thank you for your understanding and attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief