BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
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:
I have been reaching out to Experian in regards to the fraud that was being committed by reporting that I have late payments on my consumer accounts, also known as my credit report. For months I have called, sent letters, and till this day have yet to get this removed from my report. Since this was a consumer transaction that used my credit card ; my social security number, it should not have a late payment as my report should not contain factual information arising from a consumer transaction. This also infringed upon my rights as I never gave Experian the written permission to furnish this on my report as well. I feel that I am being unfairly taken advantage of. 

I am who I say I am and this is not a third party filling out this complaint. 

attached you will find exhibits to further my complaint.

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 2021-04-11
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: Was not notified of investigation status or results

Complaint:
Hi please help, I sent several letters to the bureaus and have not received a response yet. I got my credit report and seen incorrectly and unknown items on my credit report. It has been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX XXXX I was granted a temporary forebearance and went into that forebearance current on my mortgage. I have stayed in contact and currently should still be in forebearance. I submitted an application for a partial claim/loan modification as well as extension in XXXX, while I had no income ( unemployment stopped until XXXX ) I was granted an extension on my forebearance through the end of XXXX and again requested an extension with no response and then submitted an application again for a partial claim/loan mod via email. ( XXXX time was via the portal ) to this point I have not received any calls regarding needing anything from me or to give any help. I started calling several times a week and documenting since I just received a notice of foreclosure- although I have a current application for a Covid-19 recovery workout partial claim/loan mod and still should not be in arrears on my mortgage. I have an appointment with a HUD counselor today and am also working with the XXXX  XXXX for emergency mortgage assistance. I also started a job this week so could begin paying my mortgage immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: NC
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 AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. 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. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NJ
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:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection accounts. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Collection XXXX SELF-REPORTED # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX SELF-REPORTED # XXXXXXXX XXXX SELF-REPORTED # 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 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of 2013 I was interested in building my credit so I opened a secured credit card with Bank of America. Since that date I have never missed a payment, I have always paid my balances off and my current balance is {$0.00}. According to XXXX and XXXX my credit score is between a 723 to a 754. I recently applied to have my account graduated from a secured credit card to an unsecured credit card. And you won't believe it, but I was declined! As far as I can remember, I was not given a reason, nor was I sent anything in writing from Bank of America as to why they did not approve the graduation of my card. I am extremely confused and disappointed since my scores are great and I have had no derogatory 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 2023-10-23
Company: EQUIFAX, INC.
State: VA
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:
Equifax put me in a hard place during its data breach. I have spent hours trying to make sure my report was frozen and it seems it didn't work as there are accounts on my report I do not recognize that were open recently in last few years. For there data breach I see where the CFPB reached a settlement with Equifax but I have got nothing from nobody. Just the cost out of my own pocket trying to clean up Equifax 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see the attached documents for context. At this time Truist Bank has taken a stance to hold me responsible for the amount of {$870.00}. I have received no evidence that they contacted the company that scammed me nor have I received any evidence as to how they came to their conclusion to hold me responsible for that amount. I would like to dispute having to pay any money back due to me being a victim of a fraudulent act. Also, at this time XXXX has covered the fraudulent checks resulting in me paying back {$0.00} because they are not holding me responsible and they understand I am not at fault.

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 2021-03-17
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi I had an agreement with amerisave to refinance my mortgage .3 % intrest Closing cost XXXX and a XXXX cash back at closing After paying the XXXX dollars and submiting all the paper. 
They send another agreement completly different 3 % closing cost almost XXXX And XXXX cash back Let me know if you need more information Phone number

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-31
Company: Experian Information Solutions Inc.
State: OH
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:
Filed disputes with credit company after very short time they claimed accounts were verified and remaining on credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  They claim they verified and remain these companies have not proved ownership of these accounts

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 2022-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I have rights under usc 1681. 

Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 usc 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!

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 2022-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX and XXXX a collection agency has taken all the money from my accounts including a shared account with my older parents that can barely walk and my XXXX has XXXX, they added me to their account so i can buy them grocery and other things. 
we had a court date around XXXX of XXXX, i went to the court but they did not show up, .and i never got any other notice from them, i moved to a new address in XX/XX/XXXX and changed the address at the post office web site and have been getting forwarded mail at the new address but never got anything from XXXX and XXXX XXXX 
On XX/XX/XXXX i saw that all my accounts including the shared account with my parents have XXXX balance and over {$8000.00} have been taken out, my XXXX are shocked and weak as is and dont know why their money was taken, the XXXX has caused their health issues more severe. 
If i would have gone to court and had my say this would have never happened but it seems like they lied to the judge and made him think i knew there was a court date and did not show up, but i had no idea and never got any notices, so here i am with my family and old parents in a very bad setuation could someone help please

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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of an impersonation fraud in which I was led to believe I was speaking to a Bank of America representative attempting to stop criminal action on my account. They copied the standard format of the Bank of America text alerts for fraud and even called me from the XXXX customer support line multiple times so when I went to validate the number it was legitimate, I saw that it was the bank of america number I would have hung up and called. They said the way to cancel and report a charge through XXXX was to note the amount of money they tried to still and tie it to a reference number. Once I completed that I realized that my money was gone. I was scammed out of XXXX dollars. 

I have the call logs that prove that they used the main Bank of America customer support line to make these calls to attempt to make it look like a legitimate employee requesting me to go through steps to save my account. 

Once I've contacted Bank of America. 

I have the text phone number that initially spoofed the Bank of America text and also I have the XXXX account number that took my money. 

Thanks!

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$14.00}.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-07
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
I have tried several times from XXXX. I even tried with the credit bureaus. My report shows different amounts over the years example XX/XX/XXXX {$4000.00} XXXX {$4300.00} and XX/XX/XXXX {$2700.00} this account should have been removed in XXXX. The car was even sold

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 2023-02-22
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested that all payments be refunded that were made after XX/XX/XXXX, as per the Covid 19 law. However, I asked Mohella to process it in late XXXX of XXXX, and there were no changes. Therefore, I am unsure that the request has even been submitted to XXXX by Mohella. My loans originally came from XXXX XXXX servicing. In writing, XXXX said my requests would be passed along to Mohella. This was in XX/XX/XXXX. This was not true, according to Mohella. I attached a screenshot of the email correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
This is my 2nd 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 XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX  ( Original Creditor : MXXXX XXXX  XXXX Balance : {$530.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am sending letters to the credit bureaus and they have not responded, I have incorrect accounts and unauthorized inquiries.

Company response to consumer: Closed with explanation