BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: MN
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-03-23
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the XXXX Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for. 

A calculation of this balance, including the complete payment history for each account. 

Documentation for each account showing proof that I agreed to pay this debt. 

An Agreement for each account that grants the company the authority to collect debt. 

An updated copy of the state license for each company, including the license number. 



I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great deal of stress. 



Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. 

Fraudulent Account for {$85.00} Fraudulent Account for {$100.00} Fraudulent Account for {$100.00} Fraudulent Account for {$59.00} Fraudulent Account for {$140.00} Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact XXXX, XXXX, and XXXX and have them to remove these incorrect accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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: Was not notified of investigation status or results

Complaint:
I have been working on my credit for over 6 months and still have unauthorized and unverifiable information on my credit report. This is a violation of my rights and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  XXXX XXXX   XXXX  XXXX, XXXX XXXX ( Original Creditor : 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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On the date of XXXX I received a letter in the mail stating that I had opened a checking account with the Bank Of America and the it was overdrawn by XXXX and that also I wrote a check to universal XXXX XXXX  XXXX for XXXX that was located in XXXX I never ever opened up and account with this bank nore did I write a check to this company I live in XXXX never been to XXXX so I reached out to the bank and they said they where going to look into it but I never received anything about it I dont know how was a bank account opened in my name when I never been to the bank I would really appreciate it if I could get some help with this situation thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
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: Information belongs to someone else

Complaint:
The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX   XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of   ED/XXXX {$4500.00} 6 ) Dept of ED/XXXX  {$3500.00} 7 ) Dept of ED/XXXX  {$2200.00} 8 ) Dept of ED/XXXX {$2100.00} 9 )  Dept of ED/XXXX   {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX {$1700.00} 12 ) Dept of ED/XXXX   {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX  {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone attempted to open an account at Bank of America in my name without my permission or consent. I DID NOT attempt to open an account at Bank of America, I am happy with my current bank. The account opening was declined. I suspect someone has my information.

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 2023-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
IMJ 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 2022-10-15
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We were informed on XX/XX/XXXX XXXX XXXX ( XXXX # XXXX loan originator ) that our loan increased from 3.5 % to 7 % due to XXXX XXXX stating that we fell through the cracks, he dropped the ball because he was very busy at that time. 
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) is the preferred lender of XXXX XXXX XXXX. Their solution was to give credits to reduced mortgage to 4.5 % because 3.5 % isnt available anymore. XXXX XXXX was contacted repeatedly before interest rates began to rise for counseling and advise. He ignored every call and did not answer emails regarding interest rates and this is the result. 
On XX/XX/XXXX XXXX contacted me to do a long term rate cap with free float down. At that time our interest rate was 3.5 % and we were looking to go down to around 3 %. We were okay with that. On XX/XX/XXXX XXXX sent out loan papers and the rate was not fixed though his calculations were based on 3.5 %. I emailed XXXX asking questions about the discrepancy and asked for advice and counseling. He nor his office ever contacted us. Just as they never contacted us regarding any communication about fixing the interest rate before the interest rateincrease started in XX/XX/XXXX. He just left us high and dry. 
Now XXXX who is a preferred lender of XXXX XXXX XXXX expects us to pay {$2100.00} at closing for credits ( we originally had a {$3800.00} refund ) and over $ XXXX year on a 30-year mortgage fixed at 4.5 % due to their lenders negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NC
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.

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 explanation
Consumer complaint received 2020-03-05
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have contacted the bank on many occasions to have the department to contact me concerning the events. this started with enterprise rental car, I had a rental due to a damaging my car. The person 's insurance paid for the rental portion of the car in full. The only thing I was to pay for was a {$50.00} deposit. I contacted the bank after I noticed charges were put on my card from the rental car. i contacted them which was their main reservation department. I was told they would follow up never did. I contacted the bank disputed being overcharged. My act was credited for that amount. I was sent a letter stating the charges were accurate they would be reversing the charges. I then called ask that the investigation department contact me they would take the information tell me that it had to emailed they would contact me, that never happened I called on three different occasions. I eventually realized no one would ever contact me, so I did my own investigation. I went back to the enterprise office spoke with the manager he agreed I shouldn't be charged the insurance company paid the full balance of my rental. He creditied back my Navy federal card. I then call the bank and metioned this told them i got this done in less than ten minutes. Why weren't they able to resolve this? The investigators were supposed to be working on my case. However I aske that they remove the fees my account has accumulated because of this. The agent I was speaking with said she would remove two fees, I told her i would not accect that this could have been resolved months ago had they followed through, she again transferred me to the manager voicemial but of course no one has contacted me until this day. I want the fee removed from my account. They didn't do anything to help me as a customer of Navy Federal, I'm telling them this company charged me amounts they werent supposed too, If I would let it go my money would just be gone. Navy federal made no efffort to attempt to make sure I wasnt being overcharged,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: MO
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:
Hello last month I sent letters informing all 3 credit bureaus that inquiries on my credit report was not recognized by me and they did not remove or validate that I authorized these inquiries. I then received a letter on XX/XX/XXXX that all three credit bureaus system was breached from XX/XX/XXXX and XX/XX/XXXX. Attached is the letter showing that their system was breached any debt and inquiries on my report that were closed or derogatory or could possibly negatively effect my credit need to be removed immediately as you have recognized that the security of your company has been compromised and put me at risk this is in violation of FCRA if this is not going to be honored. Inquiries below should be removed from XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   The XXXX  XXXX XXXX not recognized and also does not show the original creditor. This is in violation of FCRA guidelines. 

Also attached is the screen shot showing that XXXX XXXX was removed by not removed from my report still showing as closed. 

XXXX XXXX XXXX XXXX A XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also attached is Experian showing contradictory information which is a violation of FCRA shows bankruptcy filed on different dates that information must be consistent showing XX/XX/XXXX and XX/XX/XXXX. Please delete this information immediately, for XXXX XXXX, XXXX and XXXX XXXX. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CITIBANK, N.A.
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:
Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

XXXX XXXX XXXX : XXXX / XXXX CBNA : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.

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 2022-03-16
Company: General Motors Financial Company, 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:
Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

XXXX XXXX XXXX : XXXX / XXXX XXXX  : XXXX / XXXX / XXXX GM FINANCIAL : 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 I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted 2 different disputes to experian about an account that is not valid. The entry is XXXX-XXXX XXXX XXXX for {$490.00}. I asked them to verify the validity of this debt because XXXX would not provide me with details of this debt. Ie : When, where, and the details. This is not mine and experian would not provide me with anything to prove its mine. I already had this debt deleted from the other 2 major credit bureaus XXXX  and XXXX. Both of the other 2 bureaus  could not validate the debt and removed it from my reports. Since I couldnt get XXXX to send me proof I asked Experian and they responded that it was not their responsibility to do that and I asked them how they verified this debt as mine they responded that XXXX told them it was mine! That is not proof nor is it validated and if the other 2 bureaus could not verify its validity then how is Experian able to? And if they have validated and proved it is mine then why wont they share that information with me? I want this item removed from my 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 2021-03-23
Company: United Collection Bureau, Inc.
State: OH
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 sent UNITED COLLECTION BUREAU MULTIPLE LETTERS AND GAVE THEM MULTIPLE CHANCES TO VALIDATE THESE ACCOUNTS AND THEY HAVE NOT DONE SO! THE LAST ONE BEING ON XXXX XXXX, 2021. ( CERTIFIED ) This company has violated several of my consumer rights! Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signatureAs you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested Experian, XXXX, and XXXX to investigate these accounts on XXXX separate dates : On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX XXXX  XXXX - INQUIRY DATE - XX/XX/XXXX However, they stated everything was complete and accurate after my first request dated on XX/XX/XXXX. But how is that possible if the open dates, dates of last activity and much more is incorrect. I haven't received any notice or letter of a update at all for my request dated on XX/XX/XXXX Enclosed with this compliant will be PDF 's of all letters sent for above accounts and dates. 


According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case, I am also sending a copy of the letters i sent to them.

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