BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX a fraud account I have the FTC report filled out my information was stolen thru data breach I have all documentation to show prof I would like that account that dont belong to me to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO
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:
Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2023-06-13
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2022-11-30
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I received Dispute Results from Experian showing that a XXXX XXXX XXXX account was deleted from my credit profile. 24 hours later on XX/XX/2022, I noticed that the account had re-appeared on my credit report without any explanation from the credit bureau as to if they had received any proof of documentation from the creditor that would legally be a reason to add this account back onto my report. 

I placed a fraud alert on my credit report, and I notified Experian that the account was not mine. I wrote Experian and mailed them a copy of the Dispute Report they sent me where it shows the account was deleted and I asked them to provide proof of account verification to me. The report number they removed the account can be provided at request of CFPB. 

I also called the Experian Dispute line today XX/XX/2022 and I informed the representative XXXX whom took my call, that this account doesn't belong to me, and that I have the report number that shows where Experian claims to have done an investigation and had removed the account, and that it re-appeared a mere 24 hours later with no explanation. 

I also informed the representative that I wanted to file another dispute. His response was that I could not dispute the account with Experian, I have to talk to the creditor, I told him that I have made an attempt to ask both Experian and the creditor to provide me all evidence both parties have been exchanging during the disputes I filed and I have not received anything. I have been disputing this account since XXXX XXXX. 

My rights are being violated and my requests for proof of account verification are being ignored, even after informing the bureau that the account doesn't belong to me and I placed a fraud alert on my profile, and that did not make a difference in inclining Experian to respond to my requests, again I alerted them about this account in XX/XX/2022 and have been trying to dispute it to the present day.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove the fraudulent account XXXX/XXXX Account # : XXXX as I have no knowledge of this account due to the XXXX data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this 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 explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute for an credit report violation. XXXX XXXX violated my rights by reporting inaccuate information. Instead of removing this inaccuracy Transunion listed this as verified, in addition they added XXXX dollars to a balance due. A collection account can not display a past due balance. I do no owe XXXX XXXX, i do not know who they are in addition this collection account is reporting inaccurately. On XX/XX/22 the transunion report showed a balance due of {$220.00}, now after i submitted the dispute it is listed with a past due of {$220.00}. Per the FCRA a collection account should not report a past due and it is the Credit reporting agencies duty to ensure info under my social security number is accurate. A collection account can not report a past due balance.

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 2023-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: IL
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:
On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX data breach and someone may have gotten my 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 explanation
Consumer complaint received 2023-01-02
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
This account was illegally reported to my account. My lawyer reached out to this establishment to begin deliberations after they refused to fix the issue, and they reported during disputes. 

I also reported this account in 2019 for the amount of {$960.00} and it has not been removed nor accurately notated on my report as such. I have email communication with them explaining that their charges were inaccurate and also not communicated properly.

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 2021-10-18
Company: NCB Management Services Inc.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a Fraud Affidavit Police report for Identity theft with all three major creditors for XXXX inXX/XX/XXXX. A fraud alert was added to all three credit reports to also include a freeze. 

XXXX sold the loan to NCB Management Services ( XXXX XXXX XXXX XXXX PA XXXX contact number ( XXXX ) XXXX They are reporting on the behalf of XXXX derogatory payments. 

I also reached out to NCB Management Services and explained that a Police Report was already filed inXX/XX/XXXX and that I provided the report to all three major credit bureaus as well. 

I have notified both the Creditor and XXXX that I have been disputed this as Fraud provided police report in XX/XX/XXXX. 

The issue at hand is that XXXX keeps selling the fraudulent account to other Debt Collectors and I keep getting harass about the same Fraudently Activity since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have already been going through a XXXX XXXX circus with Bank of America over an account I had ending in # XXXX. I tried to close the account but due to a bank error, my rent for XXXX was rejected and the property manager charged me almost {$150.00} in additional fees. To the credit of a local manager out of the XXXX, TN, location named XXXX XXXX, they actually were able to get those fees refunded. But a couple days after that was done another {$100.00} disappeared out of my account for some XXXX XXXX transaction sent to a " XXXX '', and I had no idea what is was for. Turns out the other person on the account I was trying to XXXX close decided to steal {$100.00} from me once she found the money was back in the account. I was told they would reverse the transaction but this never happened and I must have resolution. I have been trying to call BOA and XXXX and its like pulling teeth and hair at the same time to get any help. I bounce from one XXXX to another and no one can help me. I am either hung up on and have to call back and when I finally reached someone I was told " there is nothing they can do because the account is closed. '' REALLY? The entire reason I am still doing this XXXX is because of a bank error ; if the problem had not occurred with my rent NONE OF THIS WOULD HAVE EVER HAPPENED because the account would have been closed .... 
I need my XXXX money back and the person prosecuted for this crime.

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
Consumer complaint received 2022-03-28
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Received a scam letter from Chase Cardmember Services XXXX XXXX XXXX XXXX, DE XXXX www.chase/amazon XXXX XXXX says please make a payment right away. Has our actual last 4-Digits of the credit card, but not other numbers. We know it is a scam for sure, but older people like my parents might totally look at this and think it is for real. 
Also has : Overnight Mail Chase Card Services Mail Code DE XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 This account is showing inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2021-10-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir, I have filed a police report for fraudulent remarks on my Equifax, XXXX, and XXXX Credit Reports. I have also sent them two letters, demanding proof that these accounts are mine. I requested to see proof of my signature, that ties me too these negative remarks. These accounts are as follows ; Equifax : XXXX, XXXX XXXX, and XXXX 's accounts. XXXX : XXXX XXXX XXXX XXXX, XXXX 's XXXX XXXX : XXXX XXXX, and XXXX XXXX. They continue to state that these accounts, have been verified. Yet, the have not supplied me with any supporting information containing my signature. I am asking for assistance with the CFPB, in resolving this matter. I thank you in advance! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21 we were involved in a scam in the amount of {$8900.00} which we transferred from our Bank of America to another Bank of America to pay scammers who claimed that our daughter who lives in XXXX was involved in an auto accident and needed bail money to have her released from jail. I took cash advances from 2 of our Bank of America credit cards to pay scammers. Money was sent to Bank of America account # XXXX, rt # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Later that evening XXXX we finally got in touch with our daughter by text and she was not involved in a accident and was just fine. During these transactions we had talked to what we thought was our daughter and sounded like her. I immediately called Bank of America fraud department and had payment stopped and recorded as a scam and fraud. On XX/XX/XXXX I called the bank and was told that the money had been stopped. I signed and faxed a claim form to Bank of America. I also reported fraud to XXXX Police Department. I phoned the next week several times and was told by various people that the money was on hold until bank heard from accused party. On XXXX XXXX told me case would be solved by XXXX XXXX. On XXXX XXXX I was told it could take 60 - 90 days to solve case. On XXXX XXXX the amount of {$4600.00} appeared in my account and was told this was the settlement amount and account closed. I refiled again as I had been told many times that the full {$8900.00} was on hold. What happened to money? The bank has never had any correspondence with me and was told that paper work showing all info on claim would be mailed to me. I never received this paper work so have no idea what transpired. Thank you 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 monetary relief
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The name and birthday connected to my credit account are not my legal name. The name on my report now is XXXX XXXX but my full name is XXXX XXXX XXXX XXXX. My birthday is XX/XX/1989.

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 2023-03-26
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 status incorrect

Complaint:
on XX/XX/XXXX, XXXX XXXX XXXX released the lien on the XXXX XXXX XXXX. they stated the lien was satisfied. they also released the title. I demand this entire account be deleted due to inaccuracies. pursuant 15 USC1681B, I do not give XXXX permission to furnish fraudulent information.

Company response to consumer: Closed with explanation