BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I disputed some item on my credit report, via letter, that, I believe is not mine, and asked for validation, which is due within 30 days. 

I received a response saying the accounts were verified, but nothing showing how the accounts were verified and validated. According to the laws, validation is required within 30 days or the accounts has to be removed. 

Accounts reference is : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX? XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: IN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: 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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2018-03-01
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I took out a loan to remodel my parents home for the comfort of my elderly mom, I always paid the first two companies timely, and had no issues. However, once Nation Star took over, they didn't inform me as my old Co told me that they would, once I found out, they had already started placing the house into foreclosure. I have been fighting with them. I did call them and advised them of my information. Still, they kept being scammers as they are. I tried to set up a modification with them, they took out all of payments with the exception of the last one and stated the payment was a NSF and that I had to start all over.Well, I fell into their trap, started all over, and they stated on this one the same and that the bank blocked them. The monies sat in the account. They have all of these fees, NSF fees charged to me and the only way to keep my home is to file bankruptcy and soon. They have my beacon score very low. They are my old bad creditor. When I asked them send me information, they lie and dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CITIBANK, N.A.
State: PR
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:
COMPLAINT FOR : Citibank Na, XXXX XXXX  XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX An inquiry has been made at a XXXX store in the town of XXXX, XXXX XXXX without prior authorization. We had seen a sign informing us that we could take articles " without credit check '' what is known as " leasing ''. The employee took the data and strategically inquired using the social security numbers of my wife and mine. That is against the law and it has been reviewed in XXXX  's credit reports. We ordered the elimination of this inquiry as we understand there was " trickery and deception '' of the XXXX employee who attended us, we await your prompt attention. Thank you. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details XXXX Inquiry from XX/XX/XXXX - Complete Dept. Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Complete Dept. Stores This inquiry could stay on your report untilXX/XX/XXXX 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 

** In addition there are no important data such as address, telephone, institution information, data that are extremely important in these 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 explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other 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

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 2023-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I kept in regular contact with XXXX  XXXX XXXX while having financial hardship to pay my account. A collections representative told me as long as I can pay whatever I am able to pay, I will avoid losing my account. As soon as I got the inheritance money I needed to pay off my debt, I paid it off in full immediately. XXXX  XXXX XXXX immediately closed my account despite our agreement of paying regularly until paid in full. My deal was not honored and I lost my credit card despite being a faithful cardholder for almost three years with no prior delinquency. I spoke to many representatives and filed many complaints regarding this issue. 
I paid off my XXXX  XXXX XXXX Credit Card on XX/XX/2022. My reports state that my account is paid and closed with late payments. I paid off my account in full, not requesting or accepting any discount payout waivers or anything. I even paid every delinquent amount in full. I want the comments to say paid closed never late, or just paid closed with no mention of lateness. There is no reason to punish me on my credit reports for delinquency regarding accounts that are paid in full and no longer open. 
Where is the incentive to be responsible if there is no benefit of paying off my debt but I have seven years of consequence of doing the right thing and spending thousands of dollars by paying off my debts directly with the creditors instead of any third party agency? Please help me remove these negative comments on my closed and paid off accounts.

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 2017-04-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
purchased a phone unlocking service on ebay paid using my paypal balance seller did not render service. 

asked on mail to pay more money without getting ebay involved i refused to pay and ask for refund refused refund too. complained to paypal refused to resolve issue ..lost money no help from paypal or ebay

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 I paid in full a personal Bank of America credit card balance in the amount of {$2000.00} via an ACH transfer from my personal savings account. Shortly after I paid this account in full Bank of America refunded {$2000.00} to a separate account. This was apparently an error or a fraudulent refund to someone other than myself. I never requested a refund nor was the $ refunded to any account that I own or have any knowledge of. I promptly reported this to Bank of America and one of the first people I spoke to stated that the money was refunded to an account with a different account number which is against their normal policy. I have spoken to many people since, numerous hours on hold and no resolution. Bank of America representative XXXX XXXX then advised me that they had completed their investigation and determined that the money was refunded back to my account that I used to pay the amount originally ( this is not true and they have not supplied me with any proof of the routing of this refund ). I even faxed my bank statements to Ms XXXX to show that the money was never refunded to my account. I continued to make payments for several months while this was being investigated but eventually decided to discontinue the payments. Bank of America is now reporting my account as past due, impacting my credit score and causing other lenders to discontinue existing credit I have. My XXXX score was XXXX and now XXXX. Bank of America has had 8 months to resolve but they have not and are now negatively reporting my credit history and affecting my credit. In my opinion this is a UDAAP violation. PLEASE HELP!

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 2018-02-24
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am authorized to handle the business for two loans recently paid in full where the mortgage account is in the estate of my father and stepmother. The escrow refund checks were made to the estate and sent to me. We no longer have an estate account closing the estate in XXXX. I asked Nationstar ( now Mr. Cooper ) to deposit the funds directly into the checking account used to pay the mortgages for both loans. This request was denied. I was never told it was denied until I called inquiring why the transfers were not completed. I was then told to resend the power of attorney document showing I was authorized to conduct business for the two loans. A company representative sent me an email on XX/XX/XXXX stating the information was received and the original checks would have stop payment and new checks would be issued in my name in 3 to 5 business days. I called today XX/XX/XXXX to check on the status and was told by a different representative she didn't see where the power of attorney was received and we could start the process all over again to get new checks. Please note that I sent this power of attorney document to this mortgage lender 1 to 2 years ago to gain access to the loans for conducting business. Also note the first loan was paid in full in XX/XX/XXXX. I am still waiting to close out the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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: Was not notified of investigation status or results

Complaint:
Ive filed a dispute in regards of the incorrect information on my credit report. It has well been over 30 days and yet havant received any status of investigation or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke/written/emailed all the companies regarding the debt with XXXX XXXX XXXX XXXXAldous  XX/XX/20 I had called XXXX XXXX XXXX and attempted many times to get this account removed and was told by an employee I would have to come inside to cancel, which I am unable to because I live in a different city. 

Later that year when I called and spoke with someone from the gym they said it wasnt an issue and helped me cancel the account over the phone and sent a confirmation/cancellation letter showing a {$0.00} balance. 

They ( XXXX XXXX ) said they were putting an email through to have my fees waived. As I have not been living in the city for over a year and I had the letter. 

Then I received an email from Aldous, I wrote them a letter ( I completed the letter within the timeframe ) and provided the proof for cancellation and debt. 

They continue to hold the debt. 

I have sent letters/emails to all companies with the cancellation letter provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions 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 checked my credit report and saw that there are 3 student loans on my credit report that are not mine. I listed these 3 accounts on a Identity Theft Report. I have reached out to EXPERIAN, XXXX AND XXXX AND LET THEM KNOW THAT THESE ARE NOT MY ACCOUNTS BUT THEY HAVE NOT CHANGED MY INFORMATION.I have no idea how i have these accounts on my profile. EXPERIAN, XXXX AND XXXX are BREAKING THE LAW because although i have disputed these items, They are in violation of federal consumer law. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I as a consumer have NEVER given XXXX, EXPERIAN OR XXXX ANY Written instructions or consent to report anything on my credit report. NO CONSENT MEANS IDENTITY THEFT. I am demanding these 3 items be removed because it isn't fair to me as a consumer and they are fraudulent accounts. If they are not removed, I will not extend my credit to anyone anymore or allow XXXX, Experian or XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. There are inaccuracies on these fraudulent accounts as well and these 3 consumer reporting agencies aren't reporting the same information. These inaccuracies on my credit report it has caused me to lose faith in the banking system. If XXXX. XXXX and XXXX wants to continue doing business with me then they must delete these Inaccurate accounts off my consumer report. This isnt fair to me as a consumer.

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 2021-07-28
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from Jefferson Capital Systems on the XXXX of XXXX, 2021. After returning the call and confirming my information ( name and last 4 of social ), they informed me that I have a debt from XXXX  that is around {$1400.00}. I was confused by this and while on the phone I checked my XXXX  accounts and saw everything was in good standing and had no credit card with XXXX. After confirming on my end, I asked to validate the debt. The representative then ask if an address was mine and after they told me, I immediately knew this was in regards to a business account that belong to a corporation that I was no longer apart of. I informed the representative that this was a business account with XXXX but the representative kept telling me that they only see my name and social but no business information. I was even told the email address on file which belongs to the business Im not apart of. I then spoke to a supervisor who told me the same thing before being disconnected ( not sure if the line disconnected or if I was hung up on ). I called back and ask to speak to a supervisor who I explained that this belonged to a business account that is not under my name. I requested that they obtained the information from XXXX but I was told they cant ( or probably refused too, I do not know if they are allowed to contact the company they bought the debt from after the purchase was made ). I asked to do a debt validation but they asked for my address, which I initially refused and was told it would be open but I would need to call back to update the address on file. I called XXXX the moment I hung up and was told I would need to call JCS and speak to them about the debt and they couldnt be of any assistance. I spoke to an attorney who informed me to update the address on file so they could send what they have if they validated the debt before raising further dispute. On the XXXX, I called and spoke to a representative where I updated the address and was told by the representative that they will cease collection and will not report the account. 

Today, XXXX of XXXX, I receive a call from them and after returning the call the representative stated the same thing that I owe the amount as stated above and noted that I did raise a dispute to this. I again disputed it as this account is not a personal account but a business account. On top of that, I have not received any information regarding this debt to the address I provided from the call on the XXXX and that as the debt is under dispute ( or debt validation ) they are not to continue to collect the debt until the debt is verified, which it is clear they have not verified.

Company response to consumer: Closed with explanation