BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed inquiries that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any inquiries that are unauthorized. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bank of America filed a late pay about me for about three months in 2018. However, this was due to the fact I was using their mobile app autopay. Their app updated itself and lost autopay function. But I was not notified. And I ended up not knowing the fee was not paid. It was very small like {$25.00} on the account, while I had {$40000.00} on the total account and was never late. They lowered my credit score as a result and I am unable to get my mortgage because of this issue.

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 2023-02-21
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My issue is When My mortgage company helped last I did not have enough in my savings, at the time I was rebuilding and finally getting back on track, I have been at same job which I've been at over 18 years after the COVID-19 pandemic which affected me. During covid-19 I was also medically diagnosed with XXXX and XXXX, but I kept working as much as I could trying to make a way.The first mortgage payment of the modification was due 4 days after they did the modification and notified me was final in XXXX of XXXX which I complain to them about that.!, They then gave me a forbearance until XX/XX/XXXX and told me I can fill out another hardship application. The modification was under the federal program, FHA COVID-19 modification. When they did this my mortgage was raised to a higher amount. The reason they stated was the higher interest rate they gave me and escrow shortage which I was not aware of has taken effect as well. My old interest rate was 3.75 % then it went to 5.5 % on top of the so-called escrow shortage. This caused my mortgage to go up over {$310.00} a month And the old total balance of the loan went back to where I almost started 14 plus years ago since they added money back on the back end after doing the modification..., so I had to readjust again. During this time to the present Ive Been paying what I could from my job and took out money from my 401k several times under The terms hardship withdrawal which I owe taxes for. My 401k is depleted now. This is the reason why I'm not too far behind currently. As of right now I'm working with Michigan mihalf program. To get delinquent amounts current, wish they have promised to get me current after providing all documentation. but I still have the high interest rate, that doesn't make sense.. This interest rate has made my mortgage over {$310.00} difference.. I have been in my home since XXXX, and this is the highest I ever paid. Don't understand why I got hit with a high interest rate during COVID-19 when I'm trying to get things together and it was supposed to be a COVID-19 modification program provided by FHA which is supposed to help through the federal government. Michigan, XXXX program told me contact you.. I am a single full-time dad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to XXXXXXXX XXXX  regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account without a balance due. Please provide proof and update the inaccurate reporting or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPSXXXX 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 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a email stating that there was a hard pull on my credit score. 
It showed one main financial but I never inquired into a loan recently. I had used their service months ago in which there was a soft pull. But there was another hard pool today XX/XX/2023 This was not done by me. 
I called and they said they cant do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-01-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
please find attached the XXXX XXXX letter received by me after requesting to have the derogatory marks to be removed due to their mistake. please have all the major credit reporting agencies update as never late and remove the derogatory marks from their reports. 
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 2023-07-05
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I've been a victim of identity theft in the past. My information has been compromised due to a data breach. These accounts DO NOT belong to me. I'm alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal information to apply for goods services or money and was successful in creating fraudulent accounts. I have no knowledge of this, its hurting my chances at getting a home loan.I have disputed accounts in the Past with all 3 Credit Bureaus and the fraudulent Accounts are still on my report with no documentation evidence from the investigation that was made. A investigative report should be done by personal interviews and all 3 Credit Bureaus FAILED to accurately investigate, I need these inaccurate and unauthorized accounts removed from my report IMMEDIATELY because it is hurting my chances with getting a mortgage, which is helping to ruin the banking system which in turn is ruining the economy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NJ
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:
m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$690.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NY
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:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NH
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:
My mortgage credit history was 100 % and always current. We refinanced and the history of 20+ years of perfect payments dropped and tanked my score due to length of credit history which should be 30 years. This is unfair! Now it says 4 year history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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:
The incorrect items were 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 Experian, XXXX, and XXXX was XX/XX/XXXX,, 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 unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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

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 2022-11-14
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
On XX/XX/XXXX - I ordered a XXXX XXXX XXXX '' on XXXX totaling {$2500.00}. 
On XXXX I received an email from XXXX XXXX the Laptop would be returned to XXXX due to a carrier issue ( XXXX ). I was refunded the {$2500.00}. 
On XX/XX/XXXX - XXXX billed me {$2500.00} to the same card I made the original purchase. 
On XX/XX/XXXX - I submitted a dispute claim to American Express. 
On XX/XX/XXXX - American Express provided a temporary credit on my account stating they will wait for XXXX to reply. 
On XX/XX/XXXX - American Express rebilled me for the {$2500.00} since XXXX responded stating I was given an early refund and they sent me a prepaid label... Which never happened as the device never arrived. 
On XX/XX/XXXX - American Express re-opened the dispute per my request as I located the emails showing XXXX getting the device back and refunding me on XX/XX/XXXX due to a XXXX error. 
On XXXX - American Express stated that the evidence and lack of XXXX responding put the dispute in my favor. 
On XX/XX/XXXX - American Express rebilled me again stating XXXX responded. They sent the exact same incorrect message as previously stating they gave me an early refund and sent a prepaid label, again false. 
On XX/XX/XXXX - I requested the case be reopened as XXXX received the device back, I never received and XXXX trying to rebill me for their mistake over XXXX months later. 

Overall, XXXX and XXXX had a system issue and the shipment was returned back to XXXX in XX/XX/XXXX. They waited XXXX  months to rebill me ; which was not accurate. American Express takes the side of XXXX even though the evidence of the emails showing the device never being delivered to my house, XXXX has no evidence they ever sent me a prepaid label as they didnt since the device never arrived to me. It's big companies supporting big companies at the sake of customers like me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these unverified inquiries. I think you have not verified these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. The following items listed below are unknown to me. 

XXXX XXXX XXXX XXXX XXXX : XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Receivable Solutions, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First contact with debt collector was XX/XX/XXXX. Received XXXX letter dated XX/XX/XXXX. This is the first and only written communication the company has made. The letter is missing the following information : 1. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 2. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
New Information... Discover is a debt collector engaging in commerce within the United States of America and must adhere to federal laws. Discover has failed to provide the necessary information I requested for me to validate my obligation to the alleged debt pursuant to 15 USC 1692g ( b ). Discover has assumed the role of a consumer or court because they have taken it upon themselves to state that the alleged debt in question is valid without my consent as the consumer or a judgement from a court. Discover has not sent me the name or address of the original creditor like I requested pursuant to 15 USC 1692g ( b ) but they keep sending company billing statements and card agreements stating these validate my obligation to the alleged debt. Discover is impeding my ability to exercise my right as a federally protected consumer.

Discover is now causing irreparable harm to my reputation by publicly reporting this account as delinquent without validation that I am even obligated to this alleged debt. Discover has also responded to my request to remove this account from all Credit Reporting Agencies by stating that they are required to report this account to the CRA, required by whom? pursuant to 15 USC 6801a it is Discover duty to protect the consumers nonpublic information, pursuant to USC 6802a Discover may not provide any consumers nonpublic information to any nonaffiliated third party. Furthermore I was never given the opportunity to opt out of the public sharing of my nonpublic information pursuant to 15 USC 6802b ( 1 ) ( B ) nor was I offered an explanation on my right to do so pursuant to 15 USC 6802b ( 1 ) ( C )

Company response to consumer: Closed with non-monetary relief