BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$6300.00}.

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 2023-03-27
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: Information belongs to someone else

Complaint:
This is my fourth 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: AZ
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-03-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$300.00} 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 explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to challenge the inclusion of inaccurate and faulty accounts on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any incomplete or incorrect information on my credit report. After reviewing my credit report, I have identified multiple accounts that contain inaccurate or false information. The accounts in question are : XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00}. I am requesting that you investigate this issue and correct any inaccuracies that you discover, in accordance with Section 611 of the FCRA, which mandates that credit bureaus investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, Section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
IMPORTANT : I have recently looked at my credit report & noticed that there's numerous fraudulent accounts. I have contacted Trans union over 40 days ago. I also placed a police report and FTC affidavit all by XX/XX/2023. Trans union have only responded back stating that they are only going to place a block on my credit report but they did not remove the fraudulent accounts. This have been a disregard of federal laws not responded of an investigation in 40 days. This have negatively impacted my credit and life. Please remove following accounts XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXXACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXACCT # XXXX XXXX XXXX XXXXACCT # 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 non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have informed you that you are reporting incorrect information on my credit report, and you have come back and stated that the company verified the information. I am demanding that you provide the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. I was only late in XXXX XXXX XXXX. If you can't furnish what I've requested, these late payments on this account need to be removed from my credit report. 
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 non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: CT
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:
I am a regular human being and I am finding that the credit bureaus and credit cards are not upholding their end of agreements of deleting records of settled debt and chargeoffs and also sharing my credit score and personal information about with companies I did not approve of and also unfair practices which makes the scores vary wildly from credit bureau to credit bureau and as a result I can only get loans with very hight interest rates and I DO NOT consent nor did I ever consent to any of these companies sharing my personal information from the past or the present with anyone else. I also have accounts where I asked for accounts to be closed and theyre reporting as derogatory. 

XXXX XXXX XXXX XXXXXX/XX/XXXX was paid in settlement and was supposed to be delated from my credit report history ( all personal information related to the history and transactions ) and my payment history is still there even though it was supposed to be deleted. 

XXXX XXXX was paid in settlement XX/XX/XXXX and the record of all the payments and the history of my transactions were supposed to be completely deleted ( all personal information related to the history and transactions ) from my credit reports and they were not. 

XXXX XXXX XX/XX/XXXX was paid off in a settlement and also written off and all was supposed to be deleted from my credit reports ( all personal information related to the history and transactions ) and never was. 

XXXX XXXX XX/XX/XXXX was paid off in a settlement and this was supposed to be deleted completely from my credit reports ( all personal information related to the history and transactions ) as well and it never was. 

XXXX XXXX XXXX XX/XX/XXXX was paid off in a settlement and this was supposed to be also immediately deleted from my credit reports ( all personal information related to the history and transactions ) and never was. 

XXXX XXXX XXXX {$5200.00} last reported balance has been reporting incorrectly. My payments have been on auto pay for 3 years and they randomly mark them as paid late even though they are paid automatically out of my bank account every month on time. 

XXXX XXXX XXXX XXXX XXXX off XX/XX/XXXX {$3100.00} and It was again supposed to be deleted with all transactional history and it was not. 

All of this information is messing up my credit rating and it was promised to me that it would be deleted once I paid off the settlements. Nothing was deleted. The credit bureaus dont care and aren't listening and just dont care.

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 2023-03-27
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: Their investigation did not fix an error on your report

Complaint:
See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: AZ
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX XXXX/2022 XXXX/2022 XXXX XXXXXXXX XXXX2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-27
Company: BARCLAYS BANK DELAWARE
State: IL
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:
On XX/XX/XXXX I was charged unauthorized charge of {$3000.00} on my credit card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was supposed to be charged after I get my order delivered. Order was never delivered and they charged me the {$3000.00} After two weeks of calling the vendor who charged me and not getting answers I contact my credit card company and submitted a dispute. 

Maybe after two week credit card company removed {$3000.00} charge. 

They called me on XX/XX/XXXX and XXXX XXXX. I picked up, but after them asking me my personal information ( date of birth and etc. ), I thought it was a scam call and hang up both times on them. They never tried me contact via email, or even mail, or called me again On XX/XX/XXXX of XXXX  the {$3000.00} charge appeared on my credit card again. 

On XX/XX/XXXXXXXX  per credit card company request I did submit submit fax to the credit card company stating that the charge is not authorized by me, that I never got good delivered. 

Since then I have been calling my credit card company and not getting any answers on my case status. {$3000.00} charge is still on my statement and I need to pay it in order not to pay interest rate charge charges. 

Last person I talked today, XX/XX/XXXX, asked me to submit paperwork again, after I told them I already faxed them, he said they still working on my case, which I think he was not telling the truth. I called again and the next person hang up on me.

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 2017-04-01
Company: BROKER SOLUTIONS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
BELOW ARE XXXX COMPLAINTS THAT WE HAVE AGAINST NEW AMERICAN FUNDING, WHICH ARE : ( 1 ) XXXX ILLEGALLY HELD REFINANCED FUNDS FOR TEN DAYS, WHILE THEY CHARGED {$80.00} PER DAY FOR THE LOAN PAYMENT ; ( 2 ) TWENTY-NINE DAYS AFTER THE FUNDS WERE DISPERSED FROM OUR REFINANCED LOAN, NFA ( THROUGH XXXX ) CONTACTED OUR CREDITOR AND ILLEGALLY REQUESTED THE REFUND OF {$5700.00} WITHOUT PROVIDING ANY REASON OR WITHOUT CONTACTING OR INFORMING US. 
Here are the details of our complaints : We closed a refinance mortgage with New American Funding ( NAF ) on XXXX, 2017, which included loan consolidation of {$330000.00}. We were told that the funds of {$330000.00} would be wired to our creditors by Friday XXXX, since we did not have a " right to recind '' clause in the contract. Funds were not released, however, until I repeated called and threatened to request a Federal audit of NAF. Then after ten days the checks were reportedly sent and " lost '' and resent by NAF. 
I contacted both XXXX and XXXX ( loan representatives at NAF ) several times, but neither wanted to offer a solution to the problem of the missing funds. We were charged {$80.00} per day for funds that were not released from New American Funding ... this means that NAF charged us approximately {$800.00} before the funds were finally released. ( Note : NAF claims to close over XXXX loans each month. That number multiplied by the XXXX dollars, could constitute quite a scam every month. ) Today, XXXX 2017, I checked the balance of our XXXX, reportedly paid by NAF on XXXX in the amount of {$5700.00}. I was told that XXXX ( contracted by NAF ) requested a refund of the {$5700.00} and the funds were returned without my knowledge!!!!!!! This sounds like a scam to me. 
I am requesting a Federal Investigation of NAF and XXXX for what appears to be illegal practices : ( 1 ) charging for money that has not been released ; ( 2 ) Illegally requesting the return of funds that were paid through the refinance with no notification to us. ( 3 ) I am requesting a refund of {$800.00} for payments on our loan with NAF for funds that were not released ; ( 4 ) This may be a scam directed toward us, seniors ( over 65 years of age ). 

Thank You!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
After many attempts, I went to court, explain my situation. They continue to harass me after that they sent letters to my old residence, and I did not find out until the day I was supposed to get paid that they had garnish my wages I had to go to my old residence to pick up any remaining mail, which then I found that they went to court to garnish my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a 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 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 or 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 response to consumer: Closed with explanation