BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: ProCollect, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... PRO COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Bank Of America ran a credit report without my authorization. 

I applied for a credit card on XX/XX/XXXX reference number XXXX and the bank sent me a letter saying they denied my request because they could not verify my identity. I have a hard inquiry with no reasonable reason for this to be rejected. I have been a customer since XXXX, with an excellent credit score. Later the same week they sent me an SSN form verification and asked for a tax return to be mailed to their address in Texas to verify my identity. 

On XX/XX/XXXX I submitted the docs back to the bank. On XX/XX/XXXX they got a copy of my credit report without my authorization and do another hard inquiry on my credit. TWO hard inquiries without my authorization. 

I have contacted the bank several times and is impossible to have an answer from them, they opened a case, and every time I have called someone says something different or they disconnect the call. 

This is Fraud, I did not authorize to run my credit report twice and is fraud they do not have my information when I have already a credit card with them for 7 years. They are affecting now my credit score which was 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 2022-09-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I HAVE REQUESTED AND I AM DEMANDING THAT THIS ACCOUNT LISTED BELOW BE REMOVED FROM MY CREDIT REPORT. THIS COMPANY IS REPORTING AN ACCOUNT ASSOCIATED WITH AN ADDRESS I HAVE NO AFFILIATION TO TIED TO THIS DEBT. THE ADDRESS IS NON VERIABLE. I KNOW MY RIGHTS AND I AM DEMANDING THIS BE REMOVED AND MY EXPERIAN CREDIT REPORT IS UPDATED. 

XXXX XXXX XXXX ACCT # XXXX ...... 
DATE OPENED XX/XX/2015 experian has violated my rights under the fair credit reporting act in the two ways below. 

This Agency has and continues to report these inaccurate debts. 
Creditors give reporting agencies inaccurate financial information about 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 explanation
Consumer complaint received 2022-07-22
Company: Bread Financial 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:
Comenity Bank/BJs has placed a hard inquiry on my XXXX credit report on XX/XX/22. 

I did not apply for any credit on this date, and have had an account in good standing with this company for many years. 

I called Comenity Bank, and they referred me to XXXX. I called XXXX, and they referred me back to Comenity Bank. Neither entity was willing to assist me. 

This hard inquiry has dropped my credit score by XXXX points, and is very damaging to me. 

I would like this inquiry removed, as it should never have been initiated in the first place. 

Comenity also needs to update my current balance with all 3 reports, which they have not done since XX/XX/22, so they are showing a balance due that has already been paid to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an account on my Trans Union & XXXX credit profile with XXXX XXXX  XXXX XXXX. I wrote many letters to both companies and the actual collection agency and submitted a prior complaint to you ( CFPB ) and I'm not getting any answers that make sense. This collection company can not validate this debt. The documents that they are providing can be easily downloaded and manipulated. Any of the documents provided DO NOT have my signature or personal information attached just my name. Also, this company just re-aged my debt to XX/XX/2021, as if it's a new collection account. This is illegal and doesn't not me FCRA guidelines. I want this collection account deleted from my profile. I also hired an attorney to help me since no one is trying to do anything and will be filing a lawsuit against Trans Union, XXXX and XXXX, XXXX  XXXX XXXX for not doing their due diligence in this matter. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX-re-aged and you can tell from my previous complaint. 
{$2000.00} I also want them to stop mailing be bogus statements every month. 

Thank you 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: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft I have accounts on my credit report that I have Disputed which I spoking to the credit bureaus numerous of times, and they request a police report and a copy of my drivers license and I even sent a FTC report requested by the credit bureaus. I did comply with everything that they asked me to and Im still having problems.

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

Complaint:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have accounts that are not currently reported- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You guys need to stop giving wrong reports on people 's credits for your personal gains and report accurately. 
Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that

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 2018-05-29
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: Account status incorrect

Complaint:
Spoke with XXXX at equifax because they wiped my entire credit profile out, only leaving derogatory marks of 5 disputes, also they keep adding and removing addresses and information in good standing, now after XXXX XXXX reported and sent 3 Bureaus a letter about reporting incorrect information equifax added it back to bring my score lower, I am disputing derogatory items I was told would be removed along with inquires I didnt request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: LA
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:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: National Credit Systems,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:
XX/XX/2022 The Credit Bureaus stated NATIONAL CREDIT SYSTEMS/ Account # : XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. The also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish the accounts on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: IA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: National Credit Adjusters, LLC
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: Was not notified of investigation status or results

Complaint:
National Credit Adjusters appeared on my credit report earlier this year. There is no account information nor have I ever received notice of this " debt ''. This " debt '' has never been verified. I submitted two disputes through XXXX on XX/XX/2021 and XX/XX/2021 and was told the information was verified but I was NEVER sent any verification letter. Not one letter has been received at my primary residence from this company. Which in fact still violates my FCRA rights. I have also mailed out a letter on XX/XX/2021 and they have yet mail me any type of response/verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wife filed for divorce. I moved out of the residence in XXXX of 2018. Wife kept XXXX account at that residence until late XXXX and then convinced XXXX to open a new account for her at the same house address. When the account was cancelled, they charged a {$280.00} XXXX  year cancellation fee to myself even though I didn't live in the house and I didn't cancel the comcast account or contract. I should haven't been charged this fee. It has moved to multiple collections agents, always lowering my credit score with new dings every several months. This charge isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XXXX sept. XXXX I applied for loan assistance, sending the application and required documents to XXXX XXXX in Loss/mitigation. She verified that she got it and would sens it to the underwriter. In XXXX, i tried to make a payment, i was able to save up some, and i was refused. i was told that it would interfere with the loan modification process. around XX/XX/XXXX i spoke with XXXX XXXX, the POC, because i got an application packet in the mail with a different POC name. she reassured me to ignore this, and that everything was ok with my application. in XXXX, ii received another packet, with another new name, when i called XX/XX/XXXX i was told there was no application pending, nothing on record, and that XXXX XXXX had a new job so i couldn't speak to her. He was very rude and refused to tell me who i could talk to. said he would send an email to the department. XX/XX/XXXX i called again and spoke with a customer rep named XXXX, she supposedly reached out to XXXX and reassured me that her or XXXX would call me back Nothing again. I called again on XX/XX/XXXX and got XXXX in loss/mitigation. She tells me that because my name isn't on the loan they cant help me and that its now in foreclosure. she said they needed successor of interest, supposedly sent me a letter previously. I have never received any such correspondance. i am on there as a XXXX party since XXXX  when my father passed and i inherited the home. further more i sent the deed and will several years ago, and they have done a defferment before. 
'

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
account XXXX is closed and paid in full but shows as open

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 2022-08-08
Company: Experian Information Solutions 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 informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which was 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. Pursuant of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following disputed items completely from my Credit Report : XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

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 2022-09-15
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:
Filled FTC report sent copies to all three reporting agencies XXXX, XXXX, Equifax XXXX is the only credit reporting agency that cleared all of the identity theft XXXX, Equifax have not even after I sent copies of the police report to them and told them the personal information other than my name and Social security number was the only correct information they still refuse to remove a false address and a false phone number that was used in a fraudulent personal loan that shows up as an evening evening contact number to be called if someone tries to access my credit and they are unable to contact me at the only contact number I have or have provided to them this number shows up as an evening contact number for me on my fraud protection alert and XXXX will not remove this number after I demanded they remove it immediately and they are also saying that several of the creditors are reporting the false name address email phone numbers etc as being being correct when they were falsely given to the creditors to obtain credit cards and loans and the two credit Bureaus in question deam them to be correct according to their investigation and they are not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Navient Solutions, LLC.
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 VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has held XXXX of mine since XX/XX/2021 to do and investigation on suspicious activity. They investigation is complete they found no problem I've verified my identity and previous bank account details before they allowed me to deposit the XXXX into my account XXXX. XXXX I sent to a friend and XXXX to another account then they froze the account I still have XXXX balance available I can't withdraw or update my bank details to withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Asset Management Outsourcing, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In reviewing a 3 in 1 credit report in early XX/XX/XXXX, I noticed that there were two collection items being reported by all three credit bureaus. I wrote to the bureaus on XX/XX/XXXX asking that these be removed as they were not mine. No action was taken so on XX/XX/XXXX, I wrote directly to XXXX and Nationwide Recovery to either validate the debt or remove it. While none of these companies ever wrote back to me, my recent credit in XXXX shows that XXXX and XXXX did eliminate reportings for both  of these collection items. Unfortunately, XXXX continues to show this inaccurate information five months after I first asked them to investigate and remove it.

Company response to consumer: Closed with explanation