BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After sending information to verify myself with my disputes, as of XX/XX/2018 the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00}

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 2023-05-25
Company: EQUIFAX, INC.
State: WA
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 constantly calling the XXXX number for XXXX  to be able to talk with a live agent to address my issues and I am not getting anywhere. I am doing all the right things and when I think Im going to get to talk to a live person it hangs up on me every single time this is been very frustrating. They should be answering the phones and dealing with their customers just like Equifax and XXXX does, I would really appreciate if this gets addressed ASAP. My XXXX XXXX credit report needs to be updated. They have nothing but information that does not apply to me. I have been trying to update it and can not get anyone. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BSI Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX. 
To Whom it my Concern. 
At XXXX XXXX XXXX  XXXX XXXX XXXX with residency at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Driver license XXXX XXXX XXXX XXXX XXXX Florida State. 
To be on my situation is necessary to count with your valuable help in order to communicate the mortgage company as soon as possible in regard the negligence they been acting in my reputation and negative report on my credit. 
My mortgage payment was in default since XX/XX/XXXX, at that time I was assigned to be working outside the country.The mortgage was sold to XXXX XXXX and the Automated payment was not transferred to them, and I was not aware of it until they send a sherif notice and my neighbor communicated with me.As soon as I knew it I came to the country and I paid all late payments and fees that the new mortgaged company requested me, and not matter that they reported me and after many requested from me through a good will letter to them to deleted it, it had not been posible. 
What happened in this case my old mortgage company XXXX XXXX, XXXX obligation # XXXX sold this loan to BSI Financial Services without transferred the Automated payment that it was previously settled with them so it was to confused, till BSI started legal action in this regard. 
On my side I took the corrected action contacting BSI, at the same time with their Law Firm in order to put my loan currently, paying legal fees and interest due to the late payments. 
Now BSI sold my loan again, XXXX XXXX loan # XXXX at this time I was notified with time to comply with this obligation. My loan at this time is agehad on payments till this coming XXXX. 
BSI Financial Services has been so neglected in regard with negative report to a different credit report agencies, in my many calls I been requested to take out this negative action on my credit report, but up to this date the negative report still. 
Please help me out in this matter, the problem still going on, I need help my sister with my good credit in order to get a loan to buy her house for your help and understanding in this matter I express my thanks. 
Please request BSI Financial Services to send a physical report saying my name is free and clear for any negative report or obligations with that institution.But it needs to be deleted from my report because if not I can not to do any finantial negotiation. 

XXXX XXXX XXXX Electronically signed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The loan was issued by Citizens one bank, with no payment restrictions. When attempting to make the monthly payments on the first of the month, not after the statement is issued, the bank applied the entire amount to the principal, and when the statement arrived it said that there had not been a payment for the month, charged extra interest, and a late fee. 
When contacting the bank, they service manager said that it was not allowed to make payments before the statement had arrived. This is just not true. A an attempt to manipulate customers into believing they have no choice but to pay the loan off while the bank makes the maximum amount of interest per month. 
When calculating the fixed interest rate ( 2.16 % ) and balance of the loan, it is inaccurate and excessive. The incident was XX/XX/XXXX, payment of {$810.00}, all of which went to principal. Then a statement was received with a payment of {$810.00} on XXXX XXXX, with an interest of {$55.00}, principal of $ XXXXon the balance of {$28000.00}. 
Using a loan calculator, and a balance of {$28000.00}, the interest is {$51.00} and {$760.00} goes to principal. 
This is just one discrepancy. It is monthly, with interest charges greater then the rate. Over the course of 2 years this has cost hundreds dollars. And over the life of the loan will be in the thousands. 
This discrepancy of interest to balance has been going on for the life of the loan. I have made a payment this month for the monthly installment of {$810.00}, as of XX/XX/2023. This will be the test to see if this bank continues to refuse payments early for the monthly loan installment, not just towards principal. This was acceptable in the contract of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: NRA Group, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted these companies and they are reporting the wrong information. I have sent letters to the company requesting the original contract with my wet signature. I have not received anything from these companies at all. I am asking for these accounts to be deleted from my credit 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 explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: AZ
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: ERC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is not mine when I called ERC XXXX enhanced recovery ) they had a different name on the account an Ohio address for whoevers account it is. They had me e-mail in a copy of my DL and a brief explanation and said it w/be taken off my credit report. I did, it was n't. So I called back a few months later the lady said she saw all the info/conversations that had taken place and did n't know why it was n't off my credit report. She had me send in everything I had previously sent in again. Here it is another couple of months it 's still on my credit report. They have admitted it should not be on there so why have n't they removed it? In fact, they reported it this month to a different agency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
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 XXXX  account name XXXX account number XXXX and account name XXXX XXXX XXXXXXXX account number XXXX and account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy. 

15 u.s.c I am 1681 section 604 A. Section 2 : it also states that consumer reporting agency can not furnishing a account without my written, instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a {$130.00} XXXX account that was fraud that was reported as a delinquency on my credit report. I disputed with XXXX who quickly agreed it was a fraudulent account and agreed to work to get it removed from my file. I was trying to refinance my mortgage and this drastically affected my credit score. XXXX  and XXXX  have since removed this fraudulent delinquency from my file, but TransUnion is dragging their feet on removing this item from my credit. 

I called twice now and they said the only way to supplement the file with more information is to mail or fax the info over and they would have several days to process. They also ask for a copy of my social security card and drivers license with the fax or mail. That puts my identify at even higher risk for fraud. There is no way to expedite this so I am not unduly hurt with my attempt to refinance if rates go up while waiting for TransUnion to fix this fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
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 recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). Also the law 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or any of the data furnishers such authority. Under Section 1681 ( G ), please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. If you can not provide me all the proof, please immediately remove the late payment status and other incorrect information from these listed items.

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 2021-06-03
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2021 at the approximate time of XXXX XXXX. I went inside the Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX, Mississippi to pay the complete balance of a loan account, last four digits ending in XXXX. The teller, XXXX, name located on the receipt completed the transaction. I gave permission to her to take money from my checking account to pay off the loan. The loan balance was in the amount of {$2200.00}. Instead, she had taken the amount of {$2900.00} from my account and placed the payment on the loan amount. After the transaction was completed I left the bank. At the end of the day and after I completed a number of errands I noticed the amount on the receipt. The amount of {$2900.00} is the incorrect amount. The correct amount and the final settlement is {$2200.00} which is stated in a letter from the Wells Fargo Bank, dated XX/XX/2021. 
I contacted Wells Fargo Bank at XXXX XXXX, XX/XX/2021 until XXXX XXXX. talking to numerous tellers and representatives to correct the problem and return the over payment of {$750.00} to the checking account. A representative advised that it will take 45 days to return the funds to the account. 
Finally I requested to speak with a Compliance Officer at the bank and XXXX XXXX and a person by the name of XXXX XXXX XXXX - last name spelled the way that I heard it ) replied that they have an Escalation Department. 
I am in dire need of my funds. Please help me to have my funds returned to my checking account immediately. I have no income to pay utility bills, house payment, etc. basic essentials.

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 2023-08-31
Company: EQUIFAX, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account 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 rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 Capital One Accounts LLC report the amount of debt of {$250.00} as derogatory on my credit report. Capital One Accounts LLC has been harassing me through repeated phone calls to verify my correct identity in which I was not aware of the debt and my personal information was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CBC Companies, Inc.
State: PA
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:
The following accounts are erroneous and they threaten my livelihood. ( - # XXXX ( # XXXX ) ) XXXX ) XXXX XXXX XXXX # XXXX ( # XXXX ) XXXX ) XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2023-05-25
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Equifax, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: NV
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 in the process of making a big purchase and I noticed there are several accounts on my credit report that I have never opened

Company response to consumer: Closed with explanation