BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MN
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I never gave my lawful consent for anyone to furnish on my consumer credit report such as my name, my address, social security number, these non affiliated third parties has false pretenses and deprived me of my rights due to perform or exercise I was denied extension of credit for INACCURATE and FALSE PRETENSES of any person knowingly and willfully obtains information on a consumer from a consumer credit reporting agency such as EQUIFAX, XXXX, XXXX XXXX under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. If you can not show proof of my documentary evidence or wet ink signature of my lawful consent of any transaction that took place between the creditor and the debtor that means any false information is willfully and knowingly that this is INACCURATE and FRAUD and I DEMANDING that you DELETE all FRAUD from these accounts that reported on my consumer credit report on their will be consequences and penalties for the violations.WITHOUT PREJUDICE BEST REGARDS, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: U.S. BANCORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the 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 2019-01-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
carrington latest specialist XXXX XXXX stated she refuses to deal with us .we do not have a specialist.oiut concerns have not been address and now carrington refuses to enter nto loss mitigation negotiations as payback for borrower making complaints for borrower not getting information ie complaete breakdown of arrearages. this is not fair, why should borrower be precluded from assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
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 do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. Bankruptcy 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 2023-11-06
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I contacted the three credit bureaus to inquire about inaccurate information that is currently reported on my credit profile. Conns Appliance Inc is an account that was opened on XX/XX/XXXX, on my profile. The account number is XXXX and has a balance of {$3200.00}. It was opened against my knowledge and consent and is a Collection account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( 2 ) A copy of an identity theft report ''. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NE
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: VA
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions Inc.
State: TN
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 would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me.The company has not responded in any way. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me.The company has not responded in any way. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.

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 2023-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
In XXXX of 2023 and on XX/XX/XXXX, I requested an increase on my XXXX credit card, an increased credit amount on my XXXX  XXXX XXXX Credit card, a car loan from XXXX XXXX, and a credit card with XXXX. Equifax is reporting that " Proportion of balances to credit on bank/national revolving or other revolving accounts is too high, Amount owed on revolving account is too high, and length of time accounts have been established '' are false/inaccurate statements showing on my credit report. And according to Title 15 subsection 1611, False and misleading denial of credit, this is illegal. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial. 
Because of the misinformation and disinformation, Equifax has caused several denials to credit and loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX XX/XX/XXXX, Freedom Mortgage issued a ESCROW Refund Check # XXXX for the amount of {$1900.00} for account loan number XXXX in which was my previous loan with Freedom Mortgage. I had a escrow overage for the aforementioned amount and was due that amount to be refunded to me. Freedom informed me XXXX XX/XX/XXXX they mailed a check for the aforementioned amount to my home address and subject property, XXXX XXXX XXXX, XXXX, VA XXXX. I NEVER RECEIVED THE CHECK AND OR CORRESPONDENCE IN REGARDS TO THE CHECK UNTIL XXXX XX/XX/XXXX. Freedom Mortgage informed me that because the check WAS NOT CASHED, they ( FREEDOM MORTGAGE ), APPLED the refund to my current mortgage with them for account # XXXX, in which I was informed there was an escrow shortage. I have called on numerous occasions since receiving the letter from Freedom in XXXX to seek resolution in regards to my refund. My last conversation was with a rep named XXXX XXXX, Agent ID ( XXXX ) XXXX on XXXX XX/XX/XXXX in which XXXX XXXX assured me ( XXXX XXXX XXXX, that he would escalate my concerns to higher up and provide resolution by XXXX XX/XX/XXXX. XXXX XXXX did not and has not followed up with me as of today 's date. I called on XXXX and XXXX XX/XX/XXXX and was told XXXX XXXX would call by XXXX a.m. on XXXX XX/XX/XXXX. THAT DID NOT HAPPEN!!!

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 2023-10-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. Equifax, XXXX, and XXXX have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: FL
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:
I have contact these companies several times since XXXX XXXX. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : 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 XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-09-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I received an email from XXXX XXXX regarding a hard inquiry on my equifax credit report. I navigated to the provided link and it was shown that XXXX XXXX XXXX made a hard inquiry. I have no affiliation with XXXX XXXX XXXX and have not communicated with them at all so I have no idea why there is an inquiry from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My Chime XXXX Account was WIPED out of {$720.00}. In XXXX. NOT BY ME!!! 
XXXX XXXX - {$220.00} to XXXX XXXX XXXX payment XXXX XXXX - {$130.00} to XXXX 's XXXX payment XXXX XXXX pm - {$270.00} to XXXX 'S XXXX payment XXXX XXXX - {$100.00}. 
to XXXX XXXX XXXX payment My CHIME " XXXX BANK '' WAS TOTALLY WIPED OUT. IN XXXX!! I WAS ON THE PHONE WITH CHIME CUSTOMER SERVICE REPORTING WHAT WAS HAPPENING WHEN THE LAST {$100.00}. WAS TAKEN OUT OF MY ACCOUNT!!!!!! CHIMES FIRST INVESTIGATION SAID THESE PAYMENTS WERE LEGIT HOW IS THIS POSSIBLE???? 
THEY ARE NOT I HAVE NEVER EVER HEARD OF THIS STORE BEFORE OR LEASED ANYTHING IN MY LIFE. I HAVE NEVER HEARD OF THIS STORE BEFORE THIS HAPPENED TO ME!!! 
THIS IS MY HOUSE PAYMENT MONEY!!! 
I CANT GET A STRAIGHT ANSWER FROM CUSTOMER SUPPORT IF THIS IS BEING RE-INVESTIGATED?? I HAVE NOT GOTTEN ANY KIND OF PROVISIONAL CREDIT,,,, I'VE GOTTEN NOTHING,!!! MY BANK ACCOUNT IS {$0.00}. 
IVE WROTE EMAIL 'S TO ANYONE WHO WILL LISTEN. I AM AT MY WITT 'S END. 
THIS LEFT MY ACCOUNT - {$12.00}. I HAVE NEVER BEEN MINUS IN MY ACCOUNT EVER!!!! 
I AM XXXX YRS OLD AND I LIVE ON XXXX... 
I DONT KNOW WHO OR WHAT ELSE I CAN DO. IVE TRIED TO FIX AND INVESTIGATE THIS MYSELF BUT I AM GETTING NO WHERE. FAST. I CAN'T AFFORD A LAWYER OR EVEN IF THERE IS ONE TO HELP.

PLEASE, PLEASE, PLEASE, PLEASE,,,,,, " HELP ME '' AGAIN I LIVE ON XXXX I JUST TURNED XXXX. I HAVE NO WHERE OR ANYONE TO TURN TO. 
IN THE MEAN TIME MY SAVINGS ACCOUNT AND CHECKING ACCOUNT ARE BOTH " {$0.00} ''. IVE CALLED MY BILLS BUT THEY WANT THEIR MONEY. 
PLEASE, PLEASE, PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX card was declined by merchant and log on to account did not go through. I called Bank of America to get my log in changed and they had to repeatedly email the code to get password reset, because I didn't get the emails. When I was finally able to get logged into my account, my balance was XXXX  short. I tried to transfer the XXXX of the money left in the account to my primary checking account and when I got the confirmation, I realized that it was an unknown bank account. I immediately called Bank of America back and was told they can not stop the transfer. 
Someone ( I suspect a Bank of America XXXX ) changed my password, stopped emails being sent to me from Bank of America, changed the account from automated transfers to my XXXX  account to a different XXXX Account at XXXX Bank and withdrew money from it and also received the transfer I was making, thinking the money would go to my account. During all of this my password was changed repeatedly and the debit card was in my possession. 
I filed a police report and a fraud claim with bank of America. I kept getting rejection letters of my claim XXXX times, yet they refused to research my claim. The answer was always the same : " You or someone authorized by you to use your account verified the transaction prior to the funds being sent. 
No one has access to my account, no one was authorized to use my account or change my account settings and I have reported this repeatedly to Bank of America, yet my claim keeps getting denied. I can not afford to lose over XXXX. 
Claim number XXXXXXXX XXXX Card number 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