BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a debt consolidation company that has taken over all my credit card accounts including this one with Bank of America since XX/XX/XXXX. I have received numerous calls and threats by this company even though they have received numerous documents stating that this account is being handled by a debt consolidation company. 

As of XX/XX/XXXX I received a document in the mail stating that Bank of America has filed a judgement against me to have me appear in court on XXXX XXXX at XXXX. I have no way of paying for this at this time due to it being handled by a debt consolidation company. 

Please feel free to contact me if you have any further questions. 

Thank you, 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 2018-05-07
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, my father received a call from XXXX XXXX XXXX in XXXX, CA requesting I contact them because they were filing a judgement against me. On XX/XX/XXXX I contacted XXXX at XXXX XXXX XXXX using claim XXXX. XXXX then informed me they were filing a judgement against me for a debt with XXXX   XXXX for the amount of {$1300.00}. 

I explained I had no knowledge of this debt before this call. I asked if I could get proof that this debt or account existed. He told me it did exist he had a credit report from XX/XX/XXXX  that showed the debt and it was connected to my full name and social security number. I then told him I needed some sort of proof that this was my debt and he told me he was taking that as " refusal '' to pay and they would move forward in court. 

I then again said I needed some sort of proof I owed this money and he said my request was unreasonable and " sarcastic '' and accused me of requiring him to send me " a picture of myself when I took out the card ''. Which was never requested. 

I then asked for basic details such as when this card was taken out, when the last time I made a payment was, he then got angry and refused to provide me additional details and told me I would need an attorney to get these answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently went over my credit reports, and I noticed several incorrect and fradulent accounts on my credit file and I had to report that I've been a victim of identity theft. I Locked my credit file and disputed the items listed BELOW I am not liable for this debit. I do not have or never held a contract with the creditors Listed below after requesting information from creditors, they did provide me with the original contract as requested per 15 USC 1681a2 I did not give verbal or written permission have these accounts furnished on my credit report. After disputing this through XXXX they still never sent me proof and XXXX, XXXX, Equifax still presents these negative items on my credit repo

rt. According to Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. I asked for verifiable proof of the original consumer contract signed by me in agreement that I would pay said debtors for each of these collections account and still haven't receive any communication from either one. Listed below are the inaccurate collections accounts I want removed. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Also there are negative charge offs on my credit file that I have disputed as well these are bringing down my credit score and costing me thousands in interest yearly these companies listed below have canceled out said debit however company has filed it on their taxes as ordinary income loss but they are also reporting it on my credit report as debit this is INACCURATE REPORTING also they have never sent me a XXXX cancellation of debit so that I can also file this on my taxes as ordinary income this is a violation of 15 USC 1681eb which states that the consumer report must be the maximum of accuracy. 


I WANT XXXX XXXX AND EQUIFAX TO REMOVE THE COLLECTIONS ACCOUNTS AND CHARGE OFF ACCOUNTS FROM MY CREDIT REPORT THAT IS NEGATIVELY AFFECTING MY SCORE AND COSTING ME THOUSANDS IN INTEREST YEARLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I attempted to temporarily lift freezes on my credit with all three credit reporting bureaus so I can apply for a mortgage. XXXX  and XXXX  were super easy. Equifax is still XXXX  me to this day. I have been on the phone for hours attempting to unfreeze my credit. I am getting nowhere and just getting excuses from Equifax. Their automated verification system is complete garbage. It pulls spurious and irrelevant references. Their website is down. The people in the foreign phone banks are rude and condescending. It should not take an act of congress to temporarily unfreeze my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: MO
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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 1XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX  acct # XXXX 3.XXXX XXXXXXXX acct # XXXX 4XXXXXXXX acct # XXXX have violated my rights. 

15 U.S.C 1681 602A. States i have the right to privacy.

15U.S.C 1681 section 604A. Section 2 : 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 2019-03-07
Company: American Trst Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
This company send me a few text messages. The initial text was without consent. I later opted in to find out who they are and then opted out one I found out who they are. The use of automated sms messages to consumer cellular telephone is prohibited under TCPA 1991. I am requesting that this company have their legal department contact my attorney ASAP. 

They seem to be soliciting debt restricting services. NO THANKS! 

XXXX XXXX XXXX Esq. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I asked over the phone talking to a person for all withdrawals from our escrow account. The lady said it would be XXXX hrs. Its been 7 days and still havent received anything. When we refinanced in XXXX our closing costs covered {$1200.00} for taxes. Our mortgage company then withdrew the full amount of summer taxes for {$2300.00} from our escrow XX/XX/XXXX. They withdrew {$1000.00} for winter XXXX taxes in XX/XX/XXXX. They owe us a credit of {$1000.00} to our escrow. 
Im not going to tolerate this behavior from any financial company, especially when they gave me all the information to notice this mistake on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: AR
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:
In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected rights to privacy and confidentiality under Account Name : XXXX, Account XXXX, Account Name : XXXX, Account Name ; XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX, Account Name : XXXX, Account Name : XXXX : According to USC 1681e they have violated my rights to privacy and confidentiality sharing inaccurate information about chapter 7 & 13 bankruptcy on my account please delete according to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX checked credit reports. It was shown that my former lender erroneously/falsely reported to the bureaus a late payment on XX/XX/XXXX. I emailed them and shared the reports and they have indicated they have relayed this to the credit division. Im going through a heloc process and this is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased curtains from XXXX XXXX XXXX XXXX XXXX XXXX. Immediately upon opening curtains which cost {$65.00} I noticed they were defective, one was much longer in length. I have photos and still have the product. I immediately went to the store to return, due to the bankruptcy of the store the manager could not refund. She told me to contact XXXX since they were the manufacturer- which I did. They said though their name is on the product the manufacturer is XXXX XXXX XXXX. 

I asked the manager what to do and she told me to put in a dispute. I also uploaded my conversation trying to return the product and them telling me to return it to the store, which I could not do! I lost my dispute and Discover attached XXXX XXXX XXXX XXXX return policy ( stating I can just return in store within 30 days )- which is not valid. If you contact XXXX, which is XXXX XXXX XXXX XXXX they state the date they stopped accepting returns- which is the only reason Discover has given me for losing my dispute and it has no validity. Please have them verify the actual policy by contacting that number. I reached out to the executive team and they are still stating I can return it to stores still. If you call any store in the US they are not accepting returns. Though it is a small amount, I want my money back and I do not care about keeping this product as it is defective and I cant use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 1.XXXX  XXXX  XXXX acct # XXXX 2.XXXX XXXX XXXX acct # XXXX 3.XXXX XXXX acct # XXXX 4.XXXX  acct # XXXX have violated my rights. 

15 U.S.C 1681 602A. States i have the right to privacy.

15U.S.C 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
( SEE ATTACHED LETTER PROOF FROM CREDITOR PF FRAUDULENT INQUIRES ) TRANSUNION CONTINUES WILLFUL NON COMPLIANCE AND ASSISTING IN FRAUD AND DEFAMATION OF CHARACTER WILL USE THIS AS PROOF FOR LEGAL ACTIONS.

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 2023-10-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Williams, Rush & Associates, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Began calling on XX/XX/XXXX, called me 3x and left messages not informing me of what they wanted, but demanding I call immediately ( messages are saved ), called my father and lied about who they were on XX/XX/XXXX as well as claiming I gave them permission to contact him and called me still not leaving info on who they were the same day. 
I called and left a message on XX/XX/XXXX telling the callers not to contact my family and to stop claiming they had permission from me as they explicitly did not have permission to contact anyone other than myself and after a brief time I spoke to XXXX that same day who was rude and threatened to sue me, garnish my wages and said they had already damaged my credit by filing twice on my credit. She initially would not tell me who she was or what it was for until I confronted her when she admitted it was for a 3yr old debt to a school I went to. She claimed I owed over {$200.00} and I said I would contact the school and handle it directly with them. This call should be recorded as she claimed it was. 
I spoke directly to the school they claimed they were collecting from and was told I had no debt, after pushing for more information from XXXX I was informed I did have some books I owed money on and that the debt may have been sold. I requested to handle it directly with them since the company was claiming I owed more than what the school was and due to the harassment. The school said they would contact me via email or phone to confirm I could pay them directly. 
Contacted my sister and lied about who they were as well as also telling her I gave them permission on XX/XX/XXXX after I had already told them to stop harassing my family. 
I received more calls on the XX/XX/XXXX myself as well as the XX/XX/XXXX and XX/XX/XXXX. 
The company also harassed my aunt on XX/XX/XXXX and refused to identify themselves to her. 
At date I have not heard back from the school and have refused all further contact with the debt collectors. 
I'm happy to pay my books off, but not to the company that is harassing me and my family.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: IL
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 had a mortgage with XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. During that time frame I never missed a payment with that company. That is over a 8 year history of on time payments. I refinanced that mortgage with a Different lender at the end of XX/XX/XXXX which was XXXX XXXX During the refinance process I will was told by a representative of XXXX XXXX  named XXXX that I would be granted a 30 day grace period to allow time for the loan to close and that payment would be added to the back end of my loan. Unfortunately that did not happen because of an error on XXXX XXXX behalf and my account ended up being reported 30. Days late right before my new loan with rocket mortgage closed. This has negatively impacted my credit history and has prevented me from obtaining the best interest rate to purchase a new single family home. I was a loyal customer to that company and I need them to do the right thing and remove this late payment from My account based on my previous payment history and the incorrect information that I was given by customer service rep name XXXX in the first place.

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