BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm unsure on how many accounts have been opened in my name without my knowledge or consent .I 'm a person with XXXX who has been abused neglected and financially exploited by a trusted family member /members. I'm currently homeless and my kids taken from me based false reports made by XXXX XXXX and XXXX XXXX in efforts to kidnap my kids by false allegations from XXXX XXXX who was awarded custody of my kids based on all the fraudulent statements about filing identity theft by someone that was not done on behalf, nor with my knowledge nor consent. I am in no way part of any of the allegations or insurance fraud committed by the parts involved with aquirimg my credit report and illegal use of it and with out my consent or is not my power of attorney. Bc I have not been able to get financial help or employment due to false reporting done in my consumer report He abused me and used position as a trust agent or being a person who should care to acquire my accounts in my fraudulently order cards to be replaced used school loan documemts for false purposes and claim they were identity theft on my behalf or that I was in no way taking care of my children when infact he abandon us and then without my knowledge has been receiving funds accessing account and changing my address using stolen email accounts and passwords from my home and also has a phone that has several XXXX accounts that I haven't used or created to make this fraudulent claims with.

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 2021-09-02
Company: EQUIFAX, 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 account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: SANTANDER HOLDINGS USA, INC.
State: MD
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'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for a verification letter and IC systems stated that since they sent one they can not send another one. I never received any letter from them and I had to find out about them through XXXX XXXX They provided me with a reference number that is incorrect and will not allow me to view any of my information. I can not pay a debt thats not validated especially because I have reasons to believe it might be false.

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 2022-10-19
Company: EQUIFAX, INC.
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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone opened two Bank of America accounts in my name, with my social security number and address. Once I found out I called Bank of America three times and requested they investigate and close the account. They will not close the account without investigating. In order to do so, they claim to need a photo copy of my social security card, driver 's license and additional personal information I do not feel comfortable sending them considering their security measures are clearly not very strong. They already have app of my necessary information and confirmed the account was opened online with a fake email address and phone number. I want these fraudulent accounts in my name closed without having to give this bank sensitive material that could further compromise my safety and identity. Each time I have called I receive an apology, but absolutely no help whatsoever.

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 2021-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account of XXXX  acct # XXXX reporting to my credit reports inaccurately to the three major bureaus. You will see that the past due amounts are different, last reported dates, as well as date last active and date of last payment. Because this information is being reported differently from to each bureau this means that the account has not been properly verified and should be caused for permanent deletion from my credit file. I have provided a copy of how the company reported inaccurate information to my credit file.

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 2022-10-19
Company: Advanced Resolution Services 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: Public record information inaccurate

Complaint:
Ive sent out numerous disputes to XXXX and ARS - Advanced Resolution Services about this Bankruptcy on my credit file. I also sent them the letter from the United States Bankruptcy Court included attached to this complaint to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: PA
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: MN
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:
XX/XX/2018 My wife and I were shopping mortgage lenders and got a mortgage pre-approval. My credit scores came back XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. The low score from Equifax was attributed to a " serious delinquency '' that they found on my report. This is incorrect as there are no delinquent accounts at all on any of my reports with any credit bureau. 
-- -- -- -- -- -- - XX/XX/2018 I called Equifax to ask what was going on and why was my score low and my report showing " serious delinquency '' when there wasn't one on my report. To explain the score, they said that different credit bureaus use different models for scoring. This is obviously true, but there wouldn't be a 60 point difference between Equifax and the other two bureaus. They stuck to the script about that's the difference. I asked to speak to a supervisor about my " serious delinquency '' and why the file said that. I verified with two different supervisors that there were absolutely no derogatory remarks on my account and they couldn't help me with why the report was saying that. They offered to send me a free paper report to verify for myself. 
-- -- -- -- -- -- - XX/XX/2018 I received the paper report from Equifax and verified that there not only were no " serious delinquency '' on the report, but that there was no negative information at all. Again, a call to Equifax resulted in nothing being done and no fault admitted. Just them continuing to say they weren't sure why it said that and they use different scoring models than the other two bureaus. 
-- -- -- -- -- -- - XX/XX/2018 While checking credit scores from different credit cards and credit monitoring tools, my scores are now XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. There is still a 60 point difference with Equifax and the reason still cited is " serious delinquency '' which I've been unable to get them to verify or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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:
l 've recently pulled a copy of my credit report and noticed many errors being reported. This inaccurate reporting is causing my family and I to suffer both mentally and physically. I've lost job opportunities, denied reliable transportation and decent housing because of the items that are on my consumer report. 
I've recently taken the time to study the consumer laws under The Fair Credit Reporting Act and now understand that I have a right to accuracy in what the credit agencies report about me. I've contacted the XXXX, Experian and XXXX to notify them of these errors in a dispute letter. 
Experian has responded by saying they will no longer be working on the items I've disputed because they didn't feel as though it was me. This puts them in direct violation of 15 U.S Code 1681s-2 a ( 1 ) a which says : Reporting information with actual knowledge of errors 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. Please resolve your issues with correcting my report within the next 10 days or I will be filing a lawsuit due to this violation.

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 2021-11-11
Company: The Outsource Group, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : MEDICREDIT Original creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$4100.00} ; MEDICREDIT Original creditor : XXXX XXXX XXXX XXXXDate Opened : XX/XX/2021 Balance Owed : {$760.00} ; MEDICREDIT Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance Owed : {$370.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report. 
**Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : Specific details about the transaction or experience that shouldn't be part of the report XXXX XXXX {$8400.00}

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 2022-10-19
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Across all three credit reporting agencies all my info is different not matching I m requesting that they put the right information down ( 15usc 16181 ( b ) a2 as they suppose to All match. Also the addresses I disputed still on there and charge offs this is absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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:
I HAVE SUBMITTED COUNTLESS DISPUTES REGARDING FRAUDULENT AND INACCURATE INFORMATION. 

XXXX XXXX XXXX  XXXX, I WAS NEVER LATE, I AM DEMANDING THAT THIS LATE PAYMENT IS REMOVED IMMEDIATLEY!

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 2019-06-30
Company: EQUIFAX, INC.
State: NC
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:
Equifax and XXXX repeatedly reports these fraudulently accounts on my credit report after it has been removed from XXXX, I have been trying numerous of times to get verification from Equifax and TransUnion to remove these fraudulent accounts as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2022-10-19
Company: EQUIFAX, INC.
State: MA
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:
15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

These inquiries are on my credit report and are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting Credit card approvals. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called them because my XXXX  representative told me that my social security was wrong on there end of transunion so i called them and when i was starting to talk about the problem the person hung up on me rudely. I was trying to explain but they had no reason to just hang up like that. After many attempts later of getting ahold of someone XXXX person told me the same thing thats a little helpful. I dont understand why i have to be going out of my way to fix an error that was transunions fault.

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 2022-10-31
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Account opened with bank despite security freeze on file. I have freeze in place on my credit files and XXXX XXXX. The bank opened the account anyway. 
Confirm account closure, confirm what identification was used to open the account despite freeze. I want time and date account was submitted for open. I can not tell what was provided to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: MA
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:
15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These inquiries are on my credit report and are 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 non-monetary relief
Consumer complaint received 2018-09-06
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We have been attempting to set up automatic payments to PNC Bank on Home Equity loan # XXXX. We previously had this set up but stopped when we experienced a drop in income for VA Disability. After a 19 month battle the VA decided in our favor increased the monthly disability and paid a settlement to us. I have been trying to get PNC to reestablish autopayments but only get form letters. Critical information on our loan and property. Our 1rst Loan with PNC Mortgage is for {$500000.00}, this Home Equity is {$110000.00}. Per the PNC appraisal the home is only worth {$350000.00}. This debt was also discharged and not reaffirmed in my 2007 Chap XXXX Bankruptcy. PNC wrote off the debt. There is no equity for the PNC Bank Home Equity 2nd lien. Despite all of this we are willing to make payments via auto deduction but PNC employee 's don't know how to assist. We ask PNC to reestablish the auto payments or completely forgive the loan and release the lien on the property

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief