BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are several items reporting incorrectly on my credit report due to fraud or error:Incorrect personal information reporting on my credit file:Telephone numbers: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXCorrect Contact Number: XXXXIncorrect Account Status:There are 8 accounts reporting that I was late and I was never late.Dept of Education/XXXX  - I was never late.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2023-07-13
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:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
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: Information belongs to someone else

Complaint:
The following inquiries are not mine : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage servicer is Nationstar DBA Mr. Cooper. After a long process of applying with California Mortgage Relief for money owed during COVID Forbearance, the final step for California Mortgage Relief was to check the status of my mortgage. My application was declined because Mr. Cooper sent a report that my loan is delinquent My loan is current. Mr. Cooper gave me the option of making my payment on any date from the XXXX of the month to the XXXX of the month. I chose the XXXX because that's when I get my XXXX XXXX check. I pay every month through Auto-pay and the payment is received on the XXXX of each month. ( Payments received after the XXXX are considered delinquent ). I sent California Mortgage Relief my last two Mortgage Statement showing that my account is current, but unfortunately, they can only go by the report from Mr. Cooper. The representative from California Mortgage Relief told me Mr. Cooper is one of the worst offenders for giving them incorrect information. 
A representative from Mr. Cooper 's escalation department agreed to have a conference call with me and California Mortgage Relief and she conveyed to them that my account is current. Unfortunately, she was not from the Department that sent the incorrect report. California Mortgage Relief said my only recourse is to apply again and attach a copy of my Credit Report. ( My Credit Report reflects that I have zero late payments and the age of my account is XXXX years and XXXX months ). 
It is irresponsible and disheartening that a person at Mr. Cooper can plug in inaccurate information and make it difficult to speak to them re their error. 
I will reapply. Based on the report from California Mortgage Relief, without your assistance, I don't have much hope that Mr. Cooper will report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello I have been in contact with Citizen Banks since XX/XX/2023 on several different times in regards to my accounts savings and checking accounts. I have explain more times that one that I have been in contact with police department, XXXX and my phone carrier as my personal information has been taken off my device illegally from employees Ive had to fire. I have communicated that I do not feel safe having the same check and savings account numbers because the people that stole my information are posting my information publicly and they are still not doing anything to give me new account information or anything. They are not providing any information as to call in history or anything. Im left in the dark. I have have several issues with this institution but this is my first time filing a formal complaint with CFPB but Citizens Bank does NOT care about the safety nor privacy of the accounts of their members. That has been made VERY clear! On the phone, in-person, and in text message with their bank representatives. I have been told by their in branch associates that they really only care about high volume memebers and high volume accounts. I have had to speak with several branch managers or representatives as well as the chairmans office and overall this institution doesnt care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: United Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/21 I noticed this company on my credit report. I have no idea of who they are and doesn't have any outstanding debt. I have never received an bill or call regarding this bill. It has caused my credit score to fall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT names that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Should not be included in my credit report is an more than 7 year account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$35000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance {$2100.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance {$2400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency in question persists in illegally trying to collect on a Home Depot store credit card that was closed by me in the Summer of XX/XX/XXXX, submitted for collection on XX/XX/XXXX and subsequently disputed as inaccurate on countless occasions, although the creditor and collection agency steadfastly refused to generate a legitimate amount owed.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: MO
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.These are the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX I placed an order on a website that disappeared the day after they got my money. 
XXXX sent me a receipt from the seller with a tracking # showing a package was delivered on XXXX, ( 12 days before my order ). I left a message for the seller but got no reply. I reported it to XXXX and Chase. Chase sent me the same tracking page from the seller who believes the charge I'm disputing is valid. On XXXX I sent several documents including a screen shot of the website I ordered from and the screenshot of it removed the next day. All these documents show the order date as XXXX on XXXX I sent Chase a list of problems with the tracking document : 1. The date of delivery is before I ordered. 2. XXXX  doesn't leave packages at the front door of a commercial building, & 3. Package weight was 1 pound. I ordered 11 web cams. I obtained and sent the info on where the package was shipped from and where it was shipped to. All chase had to do was contact XXXX. A Chase letter on XX/XX/XXXX states they reviewed everything and the transaction will remain on my account, and they won't respond to future correspondence. I tell my story to XXXX on XXXX. XXXX  responded XXXX saying " The tracking # you were provided by the seller is not related to you or the package you were expecting. '' Chase reported this to 4 credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21
Company: USI Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from USI Solutions , Inc.  Dated XX/XX/2019 stating I owe the amount of {$52.00} to a Company called XXXX XXXX, ( attached ). I informed them in writing ( attached ) on XX/XX/2019 that I knew noting about this Debt nor have I ever done business with XXXX XXXX, this was within the 30 days they stipulated in their letter. My letter was sent certified mail and it was signed for by their representative on XX/XX/2019 ( attached ). As of today XX/XX/2019 I have not had a reply from USI Solutions , Inc. even though I specifically asked for a reply. My understanding is they have 30 days to reply and we are well past that deadline. My concern is not so much as the dollar amount since it is a relatively small amount, but the fact I know nothing about this Debt or XXXX XXXX and I need to get to the bottom of this before my credit is impacted for a debt that I do not owe. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
I have been disputing fraud INQUIRIES on my credit report. The Equifax bureau seems to ignore the trend and let these fraudulent INQUIRIES affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the INQUIRIES claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the INQUIRIES immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: AL
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha account without my written instructions 15 USC 1681c ( a ) 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation