BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following negative items on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX HM MORTGAGE Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not XXXX XXXX. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX ( ACTIVATED RESV ) - This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report. 

As per the FCRA, it is the responsibility of the credit reporting agency to ensure the accuracy of information on my credit report. I have no record of the accounts listed above and believe that they do not belong to me. Therefore, I am requesting that you remove this inaccurate information from my credit report as soon as possible, in compliance with the FCRA. 

I also request that you provide me with a free copy of my credit report, as allowed by the FCRA, once the inaccurate information has been removed. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2022-04-06
Company: EQUIFAX, INC.
State: TX
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 reached out to the credit agencies to have these unauthorized inquiries removed from my report and there has been no adjustments to my report. Here are the hard inquiries listed below. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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 interested in disputing all incorrect information on my credit report with experian. this is hindering my file. all information on all 3 credit reports are not 100 % accurate. please update the information submitted correctly asap.

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 2017-05-03
Company: EQUIFAX, INC.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX    , I sent all three credit reporting agencies a letter, attached here to for your convenience, along with Certified Mail confirmation. I had requested verification of each account listed on the letter. There are many. Today we will concentrate on  XXXX   XXXX   XXXX . I did contact the company. They are looking for a  XXXX   XXXX , regarding an instrument for a  XXXX . I have NEVER been a  XXXX , nor do I know a  XXXX . The person at  XXXX  asked that I send a copy of my credit report to prove that it was on my credit report and advised that upon receipt they would remove it from my credit report. When I called on  XXXX / XXXX /  XXXX  , to confirm that my fax, attached here to, had been received.  XXXX  assisted me and advised that even though I was NOT the person they were looking for and HAD sent in my credit report  XXXX  could NOT do anything about taking it off of my credit report. I advised that it was a crime to knowingly present fraudulent information to be reported, not to mention for the credit reporting agencies to have NOT proof that it was my debit and still be reporting it. Regardless he said he not  XXXX  would do anything about my credit report.     This complaint is against : Equifax,  XXXX ,  XXXX  and  XXXX   XXXX   XXXX  for KNOWINGLY / CRIMINALY to date reporting FALSE information, information that they have knowledge is INCORRECT, FALSE, UNTRUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX   XXXX     2016  an inquiry was placed on my   XXXX    Credit report but I have not applied for any type of credit wit h Citizens. P lease remove the inquiry according to FDCP and federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Date : XX/XX/2020. XXXX XXXX fake account opened by " XXXX XXXX  '' sold a fake dog collar for {$380.00} paid through paypal. When brought to XXXX 's attention, they refuse to look into the fraudulent activity. They also refuse to honor the buyer protection policy. 

Date : XX/XX/XXXX PayPal was notified about the fraudulent transaction and refused to look into the claim. PayPal drafted the {$380.00} out of the XXXX XXXX  account. XXXX XXXX put a stop payment on the transaction. PayPal then on XX/XX/XXXX drafted the {$380.00} out of my XXXX card even though they were notified this was a fraudulent transaction. This transaction should never have gotten that far once a fraud claim was made. PayPal is  also not honoring their buyer protection policy. 

XXXX and PayPal refused to honor their buyer protection policies and refused to look into Fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
There are five accounts on my credit report that were deleted and recently re-added after being deemed in accurate and uncertain These accounts also were open without my acknowledgment and they made the FCRA requirements deleted by consumer Ive reached out to these credit bureaus XXXX  XXXX XXXX and Equifax and were unsuccessful Ive also sent a 609 dispute letter in detail and writing via certified mail XX/XX/2021 XXXX ( XXXX  XXXX XXXX XXXX XXXX {$1800.00} XXXX ( XXXX XXXX ) {$660.00} XXXX ( XXXX XXXX XXXX ) {$570.00} XXXX ( XXXX XXXX  ) {$600.00} ( XXXX XXXX XXXX XXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Company has copy of complaints and occurrences which a few were in the actual branches I also have video and call logs The company has acknowledged my discrimination and now harassment due to the fact I filed a complaint they call frequently throughout the day I also had a home foreclosed on And have suffered years of hard discrimination  from the company mainly from what I see simply because of my name I even have proof of an email they sent purposely Spelling my name WRONG as a cruel joke they called me 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 2023-01-24
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX attempts to open a checking account were made on XX/XX/XXXX with US Bank XXXX XXXX ND. I found out about this when the bank sent a letter an attempt to open an account had been made but could not be completed as they were unable to verify my identity. I called US Bank to report this was a fraudulent attempt to open an account and they have noted that. They told me of XXXX other attempts to open an account during the call, and both of those were also stopped. I am suspicious that my identity was stolen when traveling through XXXX when I checked in to the XXXX XXXX in XXXX on XX/XX/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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These following names, accounts & addresses are incorrect and are violations to my rights : Name ( s ) : XXXX XXXX XXXX, XXXX XXXX XXXX Account ( s ) : XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX ACCT # : XXXX, XXXX/DEPT OF XXXX ACCT # : XXXX, These following addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX PA XXXX, 15 U.S.C 1681 Section 602 A. States that 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. Section ( a ) ( 5 ) : States that 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 ) States that 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.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE 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 non-monetary relief
Consumer complaint received 2019-06-06
Company: Professional Debt Mediation, Inc.
State: CT
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:
XXXX and XXXX will not delete collection account after i have told them constantly this account does not belong to me. 

Professional Debt ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 2017-05-03
Company: AES/PHEAA
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I applied for a student loan through  XXXX   XXXX   XXXX  back in  XXXX  and I placed specific stipulations on the loan. I requested the student pay interest during school, I asked to be notified if the loan goes delinquent and I ask the loan be denied if   XXXX   XXXX   XXXX   XXXX  does not agree to the terms.  XXXX   XXXX   XXXX  removed my stipulations from the documentation and forged my signature to push the loan through. In  XXXX  I applied for a car loan and  American Education Services  came up on my negative credit category for a delinquent loan. I was never notified about the loan not being paid. I have been calling and writing  XXXX  merican Education Services ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , and National Collegiate Trust to get my name removed since I did not agree to or sign for the loan in question. They continue to effect my credit in a negative manner and have refused to address the issue. I filled out a fraud packet in  XXXX  and sent it in but they returned it saying they did not accept the information I entered and that I did not complete the packet to their satisfaction. They have since requested me to fill out another fraud packet but I believe they are only trying to waist time and gather my current contact information. I can not fill out another fraud packet knowing they refused the first one. I have spent 11 years and over 200 hours on the phone trying to get someone to address the matter. I am still in touch daily with AES and can not get in touch with NCT. I have looked in to hiring a lawyer but I was told since it is a government office ti would cost more in fees then the loan. I am looking into a class action  suite and h ave not ruled that possibility out but I need something done to resolve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I made a mobile check deposit of {$50000.00} into my Bank of America checking account on XX/XX/2022. At the time of the deposit, I was provided a notice saying that the funds would be available XX/XX/2022 by XXXX. I subsequently received a notice on XX/XX/2022 stating that an " extended hold '' was placed on my check " because check specific information indicates item may be returned. '' I called Bank of America on XX/XX/2022 and spoke XXXX ( BoA Employee # XXXX ) who is a Supervisor of Consumer Deposits. I asked why an extended hold was placed on my check but XXXX was not able to provide a reason or justification for the extended hold. I explained to XXXX that I've been a Customer of the Bank for over 22 years with zero occurrences of returned checks on my account. Additionally, I informed XXXX that the maker of the check ( XXXX XXXX XXXXXXXX ) is the largest independent retirement savings company in North America with over 40 years in business and over {$400.00} billion dollars under management. Despite providing these additional details, XXXX was not willing to lift the extended hold or provide any details on why the check was being held until XX/XX/2022.

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 2023-02-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to the company and the credit bureau about this account. This account was opened back in XXXX  and it has reached the statue of limitations for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payment was made to previous loan servicer by mistake. A payment of {$1600.00} was electronically made  to Loancare  and should have been made to   XXXX   XXXX       The loan servicing was transferred to  XXXX  on  XX/XX/XXXX . The payment was sent from  XXXX  (  XXXX   XXXX   XXXX   XXXX   of  Maryland  )  Loan #  XXXX . Amount {$1600.00}  1.  I realized I made a mistake a called Loancare on  XX/XX/XXXX  2. Emailed Documentation of mistake  XX/XX/XXXX  3. Called to inquire on status  XX/XX/XXXX  -Told me that someone would call from cash office by Wednesday - NO CALL  4.  Called  XX/XX/XXXX  (  59 minu tes on phone e ) r epresentative spent time researched documentation and making sure cash office had information and details.    5. C alled  XX/XX/XXXX  explained problem and (   XXXX   XXXX    )  told me that she would call me back that day - NO CALL 6. Called  XX/XX/XXXX  told that that I was very upset because no one would check on the status of this issue. Representative said she we have the cash office call me. then hung up!     This is a lot of money to me I am concerned that  may  not have enough money to pay my mortgage this month.

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 2023-05-01
Company: National Credit Adjusters, LLC
State: TX
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:
XX/XX/2023 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX Im not sure whats going, however there must be a huge discrepancy in credit reporting between TransUnion and XXXX. After already disputing TransUnion previously about fraud accounts/debts on my credit report that belonged to another person, how and why is it not correct on my credit report thru TransUnion? Compare my XXXX credit score is XXXX pts higher that TransUnion. Isnt XXXX the company that provides all the same information to credit reporting agencies? Something is very wrong here, TransUnion is being fraudulent about my credit reporting account. Please check the facts and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Information belongs to someone else

Complaint:
I have disputed and haven't received any results or even no disputes are opened up.

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 2023-05-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
XX/XX/2023 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation