BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
Between, XXXX, Transunion, XXXX  Is a violation act of the FCRA Dispute reasons remove accounts because the reporting last payment and closed dates are inaccurate If they are getting the information from the same source why is different? 
The dates dont match Im reporting to e date last active because are inaccurate Plus Plus I never had receive any information from Transunion about this issues by mail Is my right to have it All this is wrong Plus nothing much in the dates last date active between any of the credit reporting agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: MI
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 a Hard inquiry that I did not authorize on my account that needs to be removed immediately, Also there is a Utility bill that is unauthorized on my account, that keeps reappearing, after it was deleted

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 2022-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have reached out to experian, XXXX, and XXXX multiple times regarding a fraud alert placed on my credit file. XXXX has complied and removed the fraud alert. 

Experian and XXXX does not want to comply and remove the fraud alert form my credit file. There are phone numbers within the credit freeze that do not belong to me. I have never used the phone numbers the credit bureaus have under my name. I would like for these fraud alerts to be removed from my credit file immediately. I have tried getting credit under my name and have been denied due to this fraud alert. This is unethical as i have never asked to have a fraud alert on my credit file

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion has received requests from me to remove inaccurate info on my credit report. This information includes false addresses as well as accounts Ive never had an association with. This leads to them asking security questions which I can not answer because they are not related to me or my credit history. I was a victim of XXXX data breach and am sure this is where fraudulent activity occurred on my report. I called to have some inaccuracies removed and they agreed. Well, the inaccurate info still remains. In the process of validating my personal information, they ask questions that I cant answer because, once again, I have no connection to this false information. I have now been locked out of the site. I am a XXXX person on Social Security XXXX and because of their inability or incompetence to fix incorrect information, I can not receive a service I require. My file has been frozen and a temporary fraud alert placed on all three credit bureaus because of XXXX breach. I have never had issues with XXXX and XXXX reporting false info. Transunion is the only bureau showing this inaccurate and false info on my report. After multiple attempts to get them to correct these issues, they still remain. I will be filing legal action and will be sending a demand letter to them if I do not get a satisfactory resolution to this problem this time. I filed a complaint with XXXX and the company didnt offer a satisfactory resolution through them. They need to correct the issues immediately! Theyve played around long enough. I was a victim of XXXX data breach and dont need to be re-victimized by Transunions incompetence. My name is XXXX XXXX XXXX and phone number is XXXX. Email is XXXX Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed item must be investigated. 

1. Number of the account reported by you is not matching with number reported by Creditor XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I respectfully request you to process the investigation as prescribed by my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I got XXXX secured credit cards XX/XX/2022. XXXX was with XXXX. After 6 months of good on time payments I was given an unsecured card and my security deposit was mailed to me briefly. Then I got a XXXX XXXX secured card. And also I got a capital one card. These cards did not convert to unsecured even after 6 months of on time payments. So I closed them. The XXXX XXXX  added the security deposit into my bank account immediately while on the phone. But the complaint I have is with capital one. They are purposely taking a long time to hold onto my money and did not issue an unsecured card. I closed my secured card XX/XX/XXXX and I have still not received my security deposit or any promises that it will arrive after 1 month. They are taking advantage of me when I originally wanted an unsecured card and that's why I got a secured card to build credit and convert it. And they are not giving my original money back. Obviously the best company to get the secured card is with XXXX. I no longer want to do business with Capital One. All their service is overseas and they are taking my personal information when I call in. They don't care and they hang up when there's a real issue. This is the total opposite from my experience with XXXX. Why would I get a secured card and then spend years waiting for it to convert because the bank wants to hold onto my security deposit? This is what I was told by someone at XXXX XXXX that it took 18 months for her card to convert. And who knows what would happen with Capital One. I would like my money back immediately. Why would I need to get on here to complain? It's because the company is not helping whatsoever and obviously taking advantage that I gave them money to hold onto. This mean that they do it for everyone and take advantage of everyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a Hard inquiry that I did not authorize on my account that needs to be removed immediately, Also there is a Utility bill that is unauthorized on my account, that keeps reappearing, after it was deleted

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 2023-06-26
Company: Experian Information Solutions 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:
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. 

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 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 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 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 2022-05-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting, I have a balance on my credit card when i do not have a balance on either. They are reporting incorrect information

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 2015-07-13
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have filed numerous complaints in an attempt to stop Nationstar Mortgage from attempting to steal my home. I have not been able to reach a representative since I submitted my modification documents. Their phone number does not work and you can never reach a representative during the hours they claim to be available to check on the status of my modification. This is an attempt by this company to steal my home as I sink further past due with no relief available because they are not returning calls. I have filed complaints with the CFPB, XXXX, Justice Department and any other entity I feel can help me stop this crooked company from stealing my home. Please help! I just received a call from someone who claims to work in their customer relation department but he did n't want to discuss my modification. He claim to have called to let me know it has been assigned to someone. I told him I know a XXXX XXXX is supposed to be handling it but I have been trying for almost a month to reach her and not once has she ever contacted me. This gentleman called from XXXX. He would n't talk to me but was only willing to transfer me to XXXX. I explained I just called her this morning and she has not returned my phone call. He said when I call XXXX or XXXX I can hit XXXX and get any rep and transferred me while I was talking. I got XXXX voice mail again and hit XXXX only to hear the automated voice tell me no one was available. How can this be legal? How can this company do this? I have NEVER in my life deal with a company with this type of business practices. I am doing anything and everything I can to get some help and they are going to steal my home from under me by ignoring each attempt I make to reach them for assistance. I do n't know what else I can do. Please investigate this company and their unscrupulous morals and business practices. Do not let them steal my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

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 2021-06-23
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
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:
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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 have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I only owned one credit card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, Bank of the west sent me a new card after my credit card got fraud charge. Then, Bank of the west made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited Bank of the west 3 times and must had called them 7 times 3 weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about 3 weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. Bank of the west representative stated they started investigation more than 30 days ago. I heard that at least 3 times from different representatives over 5 months. They never called me back. I called them multiple times, they have made no progress, in past 5 months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from bank of the west. I desperately need to fix credit score to buy a condo. Thank you very much.

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 2015-07-13
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Nationstar Mortgage a couple of years ago. 
I always pay my bills using XXXX online bill pay, and have always done so. 
And for over a year everything was fine. 
Suddenly this year beginning in XXXX they have started losing the electronicpayments from XXXX. They have reported late payments to the credit reportingagencies and have threatened me with foreclosure several time since then allbecause they keep losing or misapplying the monthly payments! 
I am attempting to refinance this loan right now, but I can not get the best ratesbecause Nationstar has ruined my credit! 
They are horrible to deal with on the telephone - rude and nasty - and they treat melike I am some bum! Others need to be warned about them, and all US banksshould discontinue selling mortgages to this company immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A few months ago Bank of America disabled my online banking. I called to ask why they answered it was necessary from time to time to verify accounts at the branch. I went and verified the accounts by my presence. A few days later I made a payment from my Bank of America checking the the payment was returned. I opened my online banking and saw that all my accounts including checking account were closed. I tried to read some forums to get to know what could be the reason and nothing applied to me. I then called Bank of America to find out the reason and was advised no reason was available over the phone, only to be sent by mail. I waited for a few weeks but never received anything. Tried to call Bank of America but still same response : would receive the letter in the mail. Still nothing up until this day. Went to one of the branches to find out why and was told that Bank of America was closing credit card and checking accounts for the customer having the XXXX, XXXX last name, which belongs to either mostly XXXX or XXXX. It is a sheer act of discrimination and bank of America can not continue doing business in this manner.

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 monetary relief