BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: ERC
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:
Hello, my name is XXXX XXXX XXXX XXXX XXXX. I have been advised by the credit bureau to submit a police report regarding my identity being used to open up accounts with my personal information. My twin brother XXXX XXXX XXXX XXXX XXXX has the same date of birth and our social security numbers are different by one digit. Multiple delinquent accounts have been placed on my credit report. I have tried to dispute the accounts multiple times. We have lived at different addresses for at least 5 years. He has also claimed these accounts are his, but they continue to appear on my report. Please let me know if there is any additional information I can provide or if I need to explore other options regarding this matter. I have a ton of accounts that do not belong to me I have sent my full report Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My car was totaled and I still owed a balance on my auto loan. The loan did become past due as we waited for the insurance payments from primary insurance, warranties and gap insurance. After it was past due for a bit I stopped getting statements, and did often make payments over the phone. I never received any statement of my payment showing the amount I paid down. I never understood my balance as I was told there was no longer interest on the loan. So why when I made a payment did the balance not go down that same amount. I asked for statements, but they never came. I was also told on the phone the debt would never be charged off and it still was with a balance of {$240.00}. I understood the balance was paid, but it was not. However I would never have know as I never received any statements.

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 2023-11-02
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home 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've attempted to change banks for autopay. First in XXXX I added the new bank information and selected the new bank as primary. RoundPoint Mortgage pulled the money for the secondary in XXXX. In XXXX I deleted the old bank account information and Roundpoint pull the mortgage autopay from the bank whose informtion I deleted from my account profile. There is no information on how to change autopay so I thought I stop autopay and send a check from my new bank for a while so that I can close the bank account. There is no option to uncheck autopay in account profile. I've to call many times in the last three months and have tried evey option and there is no ability to talk to anyone. The XXXX calls were XXXX and XX/XX/ Everything is prerecorded. There is false advertising on customer service for assistance. There is no assistance. No FAQ on the topic. I've emailed the company 2 times with no response.

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 2023-05-26
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 is 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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2021-05-13
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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX and Equifax, due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I cashed my paycheck on XXXX  XXXX XX/XX/2023 @ or around XXXX. The following morning on XXXX XX/XX/2023 @ or around the hours of XXXX and XXXX I saw XXXX charges from my checking account in the amount of XXXX and all was taken through a XXXX account that's not mine or authorized by me either. Bank of America denied my claim. Now I'm late on multiple bills and on the first I won't have money for rent I haven't had groceries in 5 days I've been using my gas card to eat.

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 2022-03-31
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company named EOS CCA in XXXX falsified a debt in my name owed to XXXX ( my cellular phone provider ) which I already have an active account with them and pay monthly bill, if I owe them money they would suspend my account!? I filled a complaint for identity theft and they removed it from my XXXX credit report agency but they left it on the two other credit reporting agency ( XXXX XXXX and XXXX ) they must remove this fraudulent debt or I will take them to court. This company sent me fake debt to steal my money they must remove this collection debt from all credit report agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Harris & Harris, Ltd.
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:
Hello, my name is XXXX XXXX I paid an old debt that I had with my hospital in XXXX installments and was informed that this would get reported to the credit bureaus and have it taken off my report. None of this was taken care of and the balance still shows up on my credit report. I called the company listed below in XX/XX/XXXX and requested proof of payment as this had not been taken off my record and I would attempt to do so myself. I was informed that they would mail me letter proving my payment but this was never taken care of. My debt still shows as active on my Credit Report. I just called the company on XX/XX/XXXX and was told that I can not get a proof of payment letter but their word is that I have paid it off. 

My information is Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( was XXXX ) ( current XXXX ) Ref # : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Yet again after many failed attempts at contacting this company I am forced to file a complaint. The balance due on this account is inaccurate, I have proof of all payments made since agreement finalized in XX/XX/2020, called the company, emailed the company through their website and have not heard a word. I even emailed them attempting to make a settlement offer and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: PNC Bank N.A.
State: NJ
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:
Trying to get a XXXX XXXX XXXX  and my bank would not approve my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Charge-off {$710.00} XXXX XXXX Repossessions {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed with experian, XXXX, and XXXX  several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Around XX/XX/XXXX I sent out a letter to XXXX over several inquiries that were either fraudulent or incorrect to date XXXX has removed some inquiries but have failed to remove all inquiries listed in dispute without informing me why some would be removed and not others. XXXX has failed to let me know what Data furnishers they have contacted and what companies they reached out to to validate these inquiries. I have a fraud alert on my credit file so these inquiries should have never been placed on my credit file because I never verified my identity with any body that would result in a hard pull on my report. Companies include : XXXX XXXX XXXX - XXXX, XXXX XXXX/XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, Equifax has not yet removed any of the fraudulent/inaccurate items or responded to my dispute as of yet. Disputed inquiries for Equifax include : 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 not responded or deleted several disputed fraudulent/inaccurate inquiries as well. XXXX inquiries include : 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, 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 2021-05-11
Company: EQUIFAX, 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:
Equifax provided the following companies with my credit report and I did not give anyone permission to pull my credit report. I want this stuff off my credit because I did not ask for anything from these places. Please delete the inquiries for these companies I began to get alerts notifying me that someone was applying for credit using my social security number. I have not applied for nothing. These companies reviewed my credit without my permission -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
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:
I contacted Equifax to fix a hard inquiry on my credit report from XXXX. Equifax responded on XX/XX/2018 stating nothing more that it was accurate. I never consented to XXXX accessing my credit report and they never asked. When is Equifax going to take full responsibility and start doing their job instead of just sending a bogus letter stating that they see the inquiry was made and it must be correct because XXXX   submitted it. That is ridiculous. Credit agencies should be penalized if they don't investigate or take the wrong information and delete it. Equifax directs me to contact XXXX  for details. Well if I needed to contact XXXX I would have done so but I asked Equifax to do their job but it seems they don't care and just slide the work to the customer or someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MD
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 is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/2023 Report Number XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete personal credit information. 

See the attached credit report from XXXX I am distressed that you included the below information ( see attached credit report ) in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must be taken to ensure the information reported is completely accurate and correct. 

Due to concerns about identity theft please delete all invalid addresses and alias names from my credit reports attached copies that contain the correct information. 

Please also send me my updated and corrected Credit Report as soon as your investigation is finished.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: GA
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:
I filed a dispute overe the phone, also sent them proof ' never resolved the matter Its like the doing fake investigation. Sold a debt to this company ( XXXX XXXX XXXX XXXX ) I sent proof that the company Does Not DEBT COLLECT Licenses in the State of debt which is Georgia. I attached proof to my 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 2022-12-19
Company: Fig Tech 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:
Hello, my name is XXXX XXXX XXXX XXXX XXXX. I have been advised by the credit bureau to submit a police report regarding my identity being used to open up accounts with my personal information. My twin brother XXXX XXXX XXXX XXXX XXXX has the same date of birth and our social security numbers are different by one digit. Multiple delinquent accounts have been placed on my credit report. I have tried to dispute the accounts multiple times. We have lived at different addresses for at least 5 years. He has also claimed these accounts are his, but they continue to appear on my report. Please let me know if there is any additional information I can provide or if I need to explore other options regarding this matter. I have a ton of accounts that do not belong to me I have sent my full report Thank you.

Company response to consumer: Closed with explanation