BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items form my credit report. 

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX  XXXX {$12000.00} XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
Someone stolen my Identity to Open Fraudulent Accounts all Accounts that I reported on my Identity Report 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 explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: KY
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've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate removal of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: NC
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Carvana Group, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX XXXX from Carvana on XX/XX/XXXX. The vehicle came with a XXXX day return policy an an additional XXXX day dealer warranty. It was sold under the pretense that the vehicle had received a XXXX point inspection. However, by day XXXX we realized the car was driving poorly and we attempted to take it to their preferred repair shop to see the significance of the issue but they claimed not to be able to recreate the problems, acknowledged there were codes coming up but admitted to have removed them because they believed they were old codes from previous work done on the vehicle. They gave us some fluid to pour in our gas rank and suggested we drive the old gas out and use the fluid in our tank with new higher octane gas. We did that but the vehicle still performed poorly. So we took it to another one of Carvana 's preferences shops. The assessment was that the rotars had been resurfaced below the manufacturer 's reccomendation, the tires needed to be replaced, a front end alignment was neccessary, and that there were transmission issues. This vehicle was unsafe to drive and the issues we are having were supposed to have been inspected before the vehicle was sold to me. In addition, the warranty company agreed to replace the tires and complete the front end alignment but refuses to repair the breaks. My complaint is that Carvana misrepresented the condition of the vehicle and sold me a vehicle that either had not received the promised XXXX point inspection, or they completed it but did not disclose that the vehicle was unsafe to drivXXXX, therefore inoperable. We have only driven thus vehicle XXXX days since I purchased it and the complete break job recommended is over {>= $1,000,000}. Carvana refuses to intervene nor take responsibility for selling a vehicle that they claim had been inspected for possibly mechanical failure. Breaks would normally fall under normal wear and tear but rotars that had been resurfaced to less than what a manufacturer 's recommended measurement for safety is a hazard. That is not normal wear and tear. Attached are the pictures from the repair shop that they reccomend, showing the reading for the remaining surface of the roters. This vehicle was sold as a safe vehicle that had been inspected and the vehicle simple was unsafe to drive and should not have been sold in that condition for that price.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI is my loan services who has charged late fees for 4 months despite having timely paid more than my required mortgage payments. After contact BSI they have failed to explain nor remedy the issue. 

They claimed that one payment in XXXX was processed or received after the grace period even though I have set up auto payments from my bank to be paid with a couple of days at the beginning of each month, and perhaps the mail during the holidays was slow. 

I have always paid my mortgage payments on time and fail to understand how my payment was late given the auto pay process and given 16 days grace from monthly due date I have over paid my mortgage payment by {$22.00} that has previously been applied to added principle and if for some unknown reason it was processed late then the excel payment should have been applied to late payment fees, and it wasnt. 

Concerned that I have been charged late fees for 4 months when my payments were made timely. And these late payments impact my credit and ability to get new financing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Heartland Resolution Group, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 i received a correspondence from heartland resolution group in regards to an alleged debt. Heartland resolution group has violated many of my consumer rights. Exhibit A 15 USC 169 2b ( 3 ) by printing a full logo on the top of the page. Exhibit B violation 15 USC 169 2b ( 2 ) an alleged debt amount that has a positive balance. Any alleged debt that is owed should print a negative sign in front of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
*I am filing a new CFPB complaint as advised by a CFPB customer rep since the Resolution Specialist I was assigned, XXXX XXXX XXXX from the Bank of America regulatory complaints department XXXX a voicemail on XX/XX/XXXX stating that they were able to address my concern and that I would be receiving a written response from them. I have not received any written company response via mail. I provided my up to date address in my previous CFPB Complaint, but I don't know if they sent a response to my former address since they are not responding. I have called the XXXX at the number she provided ( and extension ) and left a voicemail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but have not received a call back. I even sent an email to her on XXXX, but she did not respond. * I have XXXX prepaid XXXX cards ( XXXX for {$100.00} and another for {$220.00} ) by Bank of America that I received from XXXX XXXX that expired at the end of XX/XX/XXXX. I tried to use them on XX/XX/XXXX, but they would not work. I called Bank of America XXXX Prepaid Card Customer Service on XXXX and after entering one of the card numbers, it stated that the card had expired. 

When I spoke with a live customer service representative, they stated that the account was closed for both cards. Since this date I have also called on XXXX, XXXX, XXXX, and on XX/XX/XXXX. Throughout these times I have asked if I could be reissued a new card for the amount minus the replacement fee or if I could receive a check. They stated that both accounts show {$0.00}, even though I did not spend any of the money on either. I called again on XX/XX/XXXX to find out if the money was forfeited to them and they could not answer this for me, even when I spoke with a supervisor. Bank of America basically stated that they could not do anything for me and left it at that. 

If needed, I have both cards and any additional information needed. I also attached a letter that I previously received from Bank of America for a different prepaid XXXX card where they stated that if the card were to be deactivated, they would mail me a paper check of the remaining balance. This is why I am wondering why they will not do this with the XXXX prepaid cards that I currently have.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: KY
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've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate removal of the following erroneous information on my credit 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 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 2023-06-05
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
this is an escalation to my XXXX  complaint id XXXX filed on XX/XX/23. Citi has failed to fix any issues regarding my account. the XXXX  complaint is attached. 

my account is still locked and I'm unable to use it. 

the pending fraud charges they alerted me on no longer has any trace in my account history on my end. 

my entire chat history is still wiped from the beginning of time. 

no letter received with a code. not like it would do me any good anyways given its just communication issues regardless. 

other issues described in the XXXX  complaint. 

I'm sick of these games with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
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:
Company : XXXX XXXX XXXX. 
Vehicle:XXXX XXXX XXXX XXXX VIN : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update them immediately in my report : XXXXXXXX XXXX XXXX  XXXX Open Date XX/XX/2017 Balance : {$380000.00}

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 non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : False Reporting Dear Equifax, I hope this email finds you well. I am writing to express my deep concern and frustration regarding the false reporting of my credit information by your company. Despite my best efforts to resolve this matter amicably, the false reporting has had a significant negative impact on my creditworthiness and financial standing. 

You are continuing to report XXXX XXXXXXXX XXXX account as " open '' when this is a " closed account ''. I have sent in XXXX disputes requesting you to investigate this account ; however, your response continues to be " this account is verified as accurate '' Really? This account has been closed for YEARS!!! 

I believe that the false reporting has been caused due to negligence or intentional misconduct on the part of your company. These inaccuracies have resulted in severe consequences, including the denial of credit, higher interest rates, and financial hardship. I have taken all necessary steps to rectify this issue by disputing the false information with your company, to no avail. 

Based on the provisions of the Fair Credit Reporting Act ( FCRA ), I am hereby providing you with a formal notice of my intent to sue your company for the damages caused by the false reporting. The FCRA provides me with the right to seek legal recourse for violations of my rights as a consumer, including compensation for financial losses, emotional distress, and reputational damage. 

I kindly request that your company take immediate action to rectify the false reporting and provide me with a written confirmation of the corrections made. Additionally, I request that your company compensate me for the damages I have suffered, including any legal fees incurred during this process. 

Please be advised that I expect a written response from your company within [ reasonable time frame, e.g., 30 days ] from the date of this letter. This response should include details of the actions taken to rectify the false reporting and the compensation being offered for the damages suffered. 

I hope that we can resolve this matter amicably and without the need for litigation. However, please understand that I am prepared to pursue legal action to protect my rights and seek the compensation I believe I am entitled to. 

Delete this account for inaccurate reporting, false reporting and failure to investigate and provide supporting documentation of this alleged " open account. ''

Company response to consumer: Closed with non-monetary relief