BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023 I received a credit report from Experian and I noticed incorrect inaccurate, unverified information being displayed. Plus unconsented, third-party information sharing.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Requested a dispute ( File Identification Number : XXXX ) on XX/XX/2023 for XXXX incorrect phone numbers on my credit report to be removed. I got the investigation results on XX/XX/2023 and nothing changed. I went to check my credit report today, XX/XX/2023 and those numbers are still there.

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 2023-06-29
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection was originally placed on XX/XX/XXXX for debt of {$4700.00} from XXXX XXXX to ATG credit. During this time, I received no notice of being sent to collection via mail or by telephone by XXXX or ATG. I did not notice this debt for XXXX years due to no change in credit score at this time and no notice from either company. 

Now, XXXX years later on XX/XX/XXXX, my credit score was updated and impacted. My first notice of debt came via a call and voicemail on XX/XX/XXXX. Since then I have tried to call and dispute the debt with both the original collector and the debt collection agency who will not let me do it as the debt is " too old '' per their words. 

I should not owe this money in the first place as this medical debt initially came from XXXX XXXX who never billed my insurance originally, and then billed them over 180 days after the procedure was completed and my insurance was past the statute of limitations. I have had my insurance company contact them multiple times to say they would have covered this had they been billed appropriately, but they continue to ignore this. I have sent both parties the explanation of benefits at that time, yet they continue to ignore that they failed to bill my insurance appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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:
My name is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX. I got a charge not made on credit card. That had me place a freeze on all three credit XXXX, Equifax and XXXX, I need a credit card and wanted to unfreeze my account. 
At which time I found that my Equifax, had allowed the people to change my middle name and I was not me. In XXXX. I received credit reports having no charges on them now there are many and the say I am not me, because my middle name did not match. XXXX will not give me a credit report nor answer any questions. I have sent a copy of my drivers license and SS to Equifax and as said I have nothing from XXXX. I am looking for where and how I stop this invasion of my life. He/She had found me on XXXX. and have all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account with US Bank which is headquartered in XXXX. The bank insists that some federal regulation requires it to send me a paper copy of a bank statement each month or to post this information online. The charge for a paper copy is XXXX XXXX. I do not want a monthly statement and want to waive this protection. I am willing to sign any waiver which relieves the bank of legal liability. The bank refuses to let me do so. Is my argument with the bank or the agency which promulgated the regulation?

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I am a natural, living human. XXXX is governed by 15 USC 1681. I have rights under 15 USC 1681 to protect and receive. XXXX has violated my rights. I respectfully demand the account listed below be removed because I have the right to privacy, and I did not give XXXX written permission to furnish these accounts, nor did I provide XXXX in writing that they could share my credit report, or provide my credit report to XXXX XXXX XXXXXXXX ( Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). A company I have never heard of, nor have completed any business dealings with.

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 2023-01-05
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt of {$210.00} started appearing on my XXXX  credit report from Aargon Ageny for an XXXX XXXX from XXXX XXXX  that went into collection near the end of 2022. I was not aware of this bill. I have not received one correspondence from XXXX XXXX  stating I owe anything. I also told them that it is impossible for me to have any XXXX XXXX from XXXX  because I haven't lived in the state for almost 5 years. The account was opened XX/XX/2022. That is impossible for me to open an XXXX XXXX  account in 2022 when I live in 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 2023-01-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV FUNDING LLC, Transferred alleged account numbers XXXX and XXXX to a different lender and I was not notified with any documents. The last correspondence was sent to the LVNV FUNDING LLC from me in the form of a dispute. Instead of the company responding to my dispute, they instead sent it to another lender without responding to my request. This is clearly a violation of THE FCRA 15 U.S. Code 1692c - Communication in connection with debt collection. It also violates 15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. As a furnished, this company has a duty to make sure ( me ) the consumer is fully aware of what changed on an alleged debt and to make sure the furnishing to any CONSUMER REPORTING AGENCY IS ACCURATE. I WANT THIS ACCOUNT DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Resurgent Capital Services is sending fraudulent documents to XXXX XXXX, which is not me. They are conducting mail fraud with these actions as well as contract fraud, racketeering, and copyright infringement. 

I have repeatedly asked them to purge their records and the request is blatantly ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 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 explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
the house was not sold to a 3rd party after the foreclosure sale as Wells Fargo stated in their petition. Wells Fargo is now listing the house for lease. The house was removed from the sales market by Wells Fargo. The house 1st sold after the foreclosure sale in XXXX, XXXX  and was eligible for XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX, XXXX the house was built on tract 1 and tract 2 of lot 25 and only tract 1 is on the Security Deed withe the loan note. Tract 2 of lot 25 is not mentioned anywhere. The border line separating tract 1 from tract 2 goes through the master bedroom. I own the property in back of tract 1 and tract 2 of lot 25 and have paid the property taxes for the last 10 years and lot 2 is not mentioned.

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 2018-08-23
Company: EQUIFAX, 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:
Greetings, I send several notices to Equifax regarding this account not being mines. 
On one credit report it shows it was removed than I next month it reappeared. 
Also I seem like no human being is actually reviewing my documents because there no cross references to what I demanded the creditor agency to provide to ( me ) the consumer. 
As shown in my paperwork the creditor nor did Equifax provided any response to my request my validation or proof I authorize this account to be open in my name. 


My next step is to submit a FTC identity theft and police report to the Federal Trade Commission and possibly legal action against Equifax for violation of FDCPA, FCRA, and also the alleged creditor agency for violation of Debt improvement collection act ( DICA ). 


P.S. I send three times below the unverified account to Equifax. 
There more documents I send as well. At the moment do not have it in my possession at the time. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: CA
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 Consumer Financial Protection Bureau 1700 G Street NW Washington , DC 20552 Subject : Complaint Regarding Credit Report Dispute Dear Sir/Madam, I am writing to file a formal complaint against all 3 credit bureaus for their handling of a dispute related to a charge-off on my credit report. 
I initially disputed this charge-off with Credit Bureau in XX/XX/2023, requesting verification of the debt. Despite my request, Credit Bureau has verified the charge-off without providing me with the method of verification or any proof of the debt. 
Here are the details of the disputed item : Account name : XXXX/XXXX  XXXX XXXX XXXX  Account # XXXX XXXX Acct # XXXX 
XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Acct # XXXX I believe that the Bureaus actions are in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to provide consumers with accurate information about their disputes. 
I kindly request the CFPB to investigate this matter and ensure that Bureau is complying with the FCRA. I also request that the charge-off be removed from my credit report because the bureaus can not provide proof of the debt. 
Please find attached copies of my correspondence with Credit Bureaus for your reference. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX  Thank you for your attention to this matter. 
Sincerely, 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 2022-06-01
Company: Experian Information Solutions Inc.
State: VA
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, XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX, XXXX, Account Number XXXX, XXXX ) 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 a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-01
Company: EQUIFAX, INC.
State: VA
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, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Account Number XXXX, XXXX ) 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 a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: MD
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:
I haven't heard anything from these credit reporting agencies its been over 45 days since letters sent out to them. I feel like I am being ignored and been taken advantage!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Check credit report and Equifax reaged an item XXXX  my credit report again and that is wrong. 

Per email they reported it XX/XX/XXXX and equifax reported it XX/XX/XXXX. 

Please help me get it corrected to reflect whast credit union stated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 non-monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A company I've never heard of attempted to get XXXX out of my account I had no idea until I called to check my balance that one number that every one of those people told me to call directs me right back to fraud line, I go into BOA and try to explain my ID and phone were in the same phone cover when lost, all they kept saying over and over again, ,you need to go to XXXX and get another ID, well you have my money held XXXX and taking your XXXX dollar fee out while I have no access to it so until I get access to cash I can't pay for a ID, the company that tried to get my money we're denied but still locked my account for something I had nothing to do with so the only people taking my money is BOA, I have a very Aggressive stalker that has assaulted me, destroyed my property and had family to jump me for my phone that had ALL the proof of stalking me this was the second phone in XXXX months I desperately need to pay for audio XXXX calls to get these people out of my life and I can't, NO MONEY

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 2023-01-05
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im behind 2 payments due to an unforeseen situation. I can continue making my payments just need help with the 2 I am behind on. I have filled out cross country mortgage loan modification paperwork and sent in required paperwork XX/XX/2022. They requested more information and I sent it in. This has gone on for several months. The last information, they requested, I sent in on XX/XX/XXXX. I havent heard anything further. In the 3 months I have been trying to get help with them I have sent information to them they their loan solution website and emailed ( some info requested I had to send several times ). When I call to speak with my loan specialist ( or anyone that can tell me what is going on ) you are unable to. Whoever answers the phone can note my concerns and thats it. Not one person has called me, but they can have someone sneak one my porch to hang a yellow note on my door to call them ( and no they dont knock on the door to talk to me ). Its a bit disconcerting when every time I call for an update their first question is are you living at the property. Now since Ive called them a lot in the last 3 months you would think they would have written this down. I would appreciate any help. Im trying to recover from my hardship, salvage my credit and mostly keep my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email that an application for a Bank of America credit card was opened in my name.

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 2023-01-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation