BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-16
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There's this company called Credit Control , LLC XXXX XXXX XXXX XXXX XXXX, XXXX. 
located at XXXX XXXX XXXX, XXXX XXXX, XXXX MO XXXX. 

I never headed from this people before, and never had any business issue with no one. 
now i got this letter says that i owed money to a XXXX. 

the last time i headed from XXXX was back in 10 years ago. I had a house back then. and so many mortgage companies took over the XXXX XXXX, which i lost control. 
in the house was sold on short sales which all the paper work was done. but nothing related with XXXX 

The only think i can think of it, this XXXX issue, has to be related with this house. but this was resolved long time ago.. 

Now this company must provide me with any documentation that can support this claim. 
otherwise i would then to stopped this imitate..

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 2021-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I call Experian and told them to remove these fraudulent inquiries

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 2023-05-15
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-04-03
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : I.C. SYSTEM, INC XXXX XX/XX/XXXX {$2900.00} Untitled XXXX XX/XX/XXXX {$750.00}

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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX XXXX pulled my credit report without my consent on XX/XX/2019. I specifically told them to not do a hard pull on my credit when I applied because I was just trying to see how much I would qualify for based on my income and I knew I was about to apply for a new mortgage. I again reminded them via email to NOT do a hard pull, so 2 requests. These requests were ignored, and the loan officer never even mentioned that she had pulled my report. After waiting an extended amount of time, ( longer than it would take to even get a mortgage ), for any communications from this loan officer as to how much I would qualify for ( despite having sent 2 years taxes ), I emailed her and told her I was not interested in a loan from that company. 

While in the process of checking on my credit prior to applying for the mortgage I saw the credit pull from XXXX XXXX XXXX XXXX. I emailed them and requested redaction of this credit pull since it was done without my consent. I received no response. I emailed a second time to say I would report them to CFPB and again, no response. 

I am not a difficult person to deal with, and I myself am a Colorado licensed XXXX XXXX XXXX, so I know how this works. It baffles me that this bank was so hard to do business with on every level - unresponsive in both my attempt to get a car loan and disregard for my threat to report them. They don't seem to take any aspect of their business seriously.

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 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This has been going on for 4 years now. I tried to fix this two years ago, but Bank of America refused to remove the negative remarks from my credit, despite the debt being paid off, and it's affecting my ability to own a home. In 2019 I reported 2 frauds on 2 different credit cards I had with Bank Of America. One of the claims was approved and the second was not approved, when I asked why one of the claims was not approved when they were filed the same day and for the same reason, no one could give me an answer. I was told I would need to pay over XXXX dollars. I reopened the claim and filed a police report and collected information from my employer, including XXXX, the company through which my company used the email client where it showed that the person 's IP address that hacked our company was in XXXX XXXX. During the investigation, the money wasn't paid because the claim was still open, but at the end, after sending them about XXXX pages of proof, police reports, etc, Bank of America said I was still liable and had to pay the amount. My employer was nice enough to reimburse me because we were hacked and that's how my personal card was compromised. The issue was that BoA counted the time of the open investigation as late payments when the person at their local branch AND ON THE PHONE said, that wouldn't count against my credit score. They refused to remove the late payments while the investigation was going on with the police. I have been fighting to remove this for 4 years and it's affecting my ability to buy a home. I owe BoA nothing, I paid the XXXX for which I was scammed and they still refuse to remove the late payments from my credit score. Please help me. If this does not work I have to file a report with the FBI for the online fraud and see if this will escalate things with BoA.

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 2018-11-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2017, 30 days late as of XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2023-01-14
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:
This a formal complaint in regard to the response to my complaint Equifax submitted in XXXX XXXX XXXXnd the continuous reporting of inaccurate and unverifiable information. In accordance with the Fair Credit Reporting Act, Equifax has and continues to violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 by continuously reporting the following discrepancies with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can this creditor verify that the current status is being reported correctly when this account is displaying inaccuracies and discrepancies? What reasonable procedures were used to verify the completeness and maximum accuracy of the information? You are allowing this creditor to update and modify inaccurate and false information on my report monthly, after willingly and knowingly this creditor is violating my consumer rights. 
You also responded to my complaint stating that XXXX XXXX XXXX XXXX is being reported as a single entry on my Equifax credit file. That is completely inaccurate. If it was a single entry, why is the same debt being reported with XXXX different account numbers ( # XXXX XXXX XXXX  ) from the same creditor? Thats a double entry. 

I have sent multiple certified requests with copies of the delivery receipts requesting the XXXX, Cancellation of XXXX XXXX, to provide evidence of my obligation for the reporting balance owed. This account has been charged off, therefore, the creditor has reported the balance as a loss and written off the balance. Creditor is required to issue consumer a XXXX reflecting the actual amount written off to IRS. 

Equifax has failed to conduct a proper reinvestigation and continue to list the disputed items on my credit report, falsely and inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
good evening, I started the applications process back on XXXX/XXXX. I uploaded every document that XXXX XXXX needed to start my application process. I once had a case worker, that was extremely hard to reach. I attempted to contact her via email, calls, messaging center, etc. Come XXXX i no longer had anyone working in my case. I would call once or twice a week to see the progress for my application. Each person ive spoke with stated that they would send the requested documents over to XXXX XXXX, but would never do so. My application has been stuck in the 3rd process since XXXX! I reached out to everyone that i possibly could along with my new mortgage holder ( freedom mortgage ). they recently purchased my home loan back in XXXX. I have attempted to call, email, and reach out the the messaging center but nobody will respond. I eventually got in touch with someone named XXXX, but he was little to no help and would also not respond. At XXXX every morning, their phone lines are busy and nobody would answer. your call is then place on a callback, in which would result in nobody calling you back. Myself and my children will lose everything in the hands of a program that was meant to XXXX families in need. Freedom mortgage has a reached out and of course, nobody would contact them back this is very very stressful as i have applied eight months ago and my application is constantly shoved off, nobody helps me, i spend hours a day attempting to move the process along, all for nothing. Im in desperate need of someone to help me. Freedom mortgage also sat on the phone with me for over an hour in attempt to speak to someone at XXXX XXXX, but of course nobody answers and nobody calls back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: SC
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
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, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX has violated my rights. 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 that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: TN
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:
Credit inquiry XXXX XXXX date XX/XX/2023. Unauthorized ( XXXX XXXX XXXX XXXX XXXX ) The FCRA states all information listed on credit reports should be accurate,

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 2021-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
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:
I dont recognize these transactions and I called the CRA and told them and they said there is nothing they could do on the first person I talked to. The representatives after I told them the same thing but I see nothing happen. I didnt make these or gave them permission to put or do these inquiries on my transunion report and its still here. 

Ccbaxcessfin- date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: CO
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:
My original dispute letter was sent XX/XX/2021 by certified USPS mail. I called Equifax in regards to my dispute letter and inquired about any recent activity with my credit file. The representative that I spoke to on a recorded line calmed to that she doesn't see anything regarding my previous dispute in the system. When I asked her to look up this information more carefully, I was placed on hold and eventually disconnected from the call. I called back again and tried speaking to another representative to help with this issue further, and again placed on hold then shortly after disconnect again and was connected to a survey where I gave a thorough review of my experience with this call. 

The accounts that I specified on the dispute are as follows : 1. XXXX acct # XXXX - I previously disputed this account and it was never verified by the creditor but still remains on my credit report. 

2. Collection acct Unknown ) acct # XXXX and a balance of {$87.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

3. Collection acct Unknown ) acct # XXXX and a balance of {$66.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

4.Collection acct Unknown ) acct # XXXX and a balance of {$33.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

I'm calling for these accounts to be properly deleted from my credit report due to the inaccuracy of the information. Also, the very fact that Equifax has failed to properly investigated my dispute and acknowledge a response by 30 days once a dispute has been received.

Company response to consumer: Closed with explanation