BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts 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 an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX 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 2021-03-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Over the last 3  years multiple of my financial accounts from various companies have terminated my existing accounts that had been in good standing for years. These types of accounts and companies include : - American Express Consumer Credit Cards - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal investment account - XXXX XXXX XXXX XXXX  Account / XXXX Checkings Account All these accounts were terminated abruptly and with no explanation ( aside from XXXX, who sent a generic letter via mail ). 

Ive called each company to find out why I didnt receive a notice, what the reasoning was, or to request an adverse action letter. 

Each company has given me an almost identical response, which is Per the terms of your agreement, we can terminate your account at anytime and without reason and/or We terminated your account due to a business decision. 

After my many calls, letters, and emails to find out why I was terminated or what system or third party was used to make this business decision, I am given no response. 

When my financial advisor learned my ROTH IRA account with XXXX was terminated, he was able to contact someone at XXXX and learned it was due to me being flagged on the AML ( anti money laundering list  ). 

We were both blown away, I havent a clue how to even launder money. However, 11 years ago I was XX/XX/XXXXof a felony when I was XXXX related to XXXX. I had a feeling my crime ( which no restitution is owed, no liens or judgements ) is somehow flagging on 3rd party screening software to supplement my credit profile and incorrectly identifying me being on the XXXX. 

I have no clue how to proceed, because no company will even give me anything beyond a business decision as to the reasoning. I am afraid to apply to other financial institutions because I may be blacklisted. It leaves me in a difficult situation when it comes to banking and investing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Investigation took more than 30 days

Complaint:
I am writing to request the removal of a debt from my credit report in accordance with consumer protection laws. The complaint I filed under reference number # XXXX XXXX XXXX has taken more than 30 days to be resolved, which I believe entitles me to have the debt removed from my credit report. 

As you may be aware, the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate and respond to disputes within 30 days of receiving them. In my case, I filed a complaint with your agency more than 30 days ago and have not received a response or resolution to my complaint. I understand that the XXXX has the authority to enforce the FCRA and ensure that consumer reporting agencies comply with its provisions. I am therefore requesting that you take action to have the debt removed from my credit report, as I believe that the creditor has not provided sufficient evidence to justify its inclusion. I appreciate your attention to this matter and look forward to hearing from you soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Presons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. ChexSystems and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original 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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX, Experians, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.

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 2022-04-29
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PLANET LENDING IS NOT WORKING WTH ME AND MY SITUATION. I AM AWAIYTING AN APPROVAL FROM CA MORTGAGE RELIEF PROGRAM. PLANET LENDING SENT ME A MODIFICATION APPROVAL WITH A QUESTIONABLE PROGRAM THAT PUT ALL THE DELUNQUENT INTO A HOLDING ACCOUNT. I AM ASKING FOR ASSISTANCE WITH THE DELINQUENCY IF I SIGN THIS WITH MIGHT I ADD ONLY HAVE A WEEK TO DO SO I MAY MISS OUT ON THE GRANT FUNDS FOR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Resurgent Capital Services L.P.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital one bank with account # XXXX. This account is currently closed due to missed payments, the creditor capital one who I have opened a credit line with sold my information without my consent to a debt collector name XXXX XXXX. I never give capital one permission to sold my information, my information should held private and confidential, this is a volition of the Fair Credit Reporting Act Privacy Act of 1974, as amended,5 U.S.C. 552a capital one has caused me and my family harm by selling my information without my consent to a debt collector which is reporting incorrect and inaccurate information to my credit report, multiple phone calls numerous times and for a debt that I don't owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-19
Company: Regional Management Corporation
State: NC
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 call from a man from a South Carolina phone number claiming to be from Regional Finance who said he could help me with my Debt. I told him I know nothing about any company called Regional Finance and my credit is excellent. He asked to confirm my identity and I asked him to confirm his as he is the one who called me. 
He got upset claiming I was behind in payments and he wanted to help get my account up to date. I said I am not paying any phantom debt and he could XXXX off or I'd come to his house and make him pay the debt. He wanted to confirm my address. I said that you called me so you should have my address if I truly owe a debt, so I am not providing that for you. He mentioned my name again but this time with a different last name. I told him it wasn't me and he proceeded to tell me that my identity may have been stolen or someone used my phone number for a loan. I hung up and then searched for the Regional Finance bank office in XXXX, NC and called the office I found. I spoke with a lady who looked me up in their system by my phone number. She said that I was on a loan call list and have been marked to not call in their system. I asked to speak with someone to confirm why they were calling me about a loan I did not owe. She then transferred me to a man, whose voice I recognized as the one who called me earlier. 
He told me that my phone number has been marked as do not call from the loan and that he didn't wake up today and say he was going to harass people for money. 
I find this hard to believe as I received a piece of mail from them two days later for a different person at my home address who you can clearly see in the attached document is NOT my address and NOT my last name! 
It is obvious to me that the person they are after is not me and the address is different. Why then did they go find a person with the same name and call them to collect a debt - that is a poor tactic to collect money for a debt from the wrong person. It is obvious that that person is not me, so they should have never called me to pay any money I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: CO
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:
this company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where XXXX accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately. Account name XXXX Date of request XX/XX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE 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 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
We wrote a check to XXXX XXXX for {$950.00}. Someone got the check and changed the name to XXXX XXXX and the amount to {$18000.00}, and cashed the check. 

The check was cashed on XX/XX/22 by Bank of America, I bank with XXXX XXXX. We have been requesting return of money for 3 months now, and nothing. 

copies of the checks attached This is Bank of America 's case 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 2022-12-16
Company: EQUIFAX, INC.
State: LA
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:
EQUIFAX IS CONTINUING TO REPORT A FRAUDULENT PHONE NUMBER IN MY FRAUD ALERT. MULTIPLE REQUESTS AND DOCUMENTATION HAS BEEN SUBMITTED TO EQUIFAX REPORTING THE ERRORS AND SUBMITTING CORRECT INFORMATION, HOWEVER EQUIFAX IS REFUSING TO UPDATE OR REPORT MY PHONE NUMBER IN MY FRAUD ALERT! THIS IS SUBJECTING MY ACCOUNT TO ADDITIONAL DAMAGE AND FRAUD! PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/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 2023-04-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.Gaurdian credit union 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Consumer complaint received 2021-03-19
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Credit Collections last year. Most recently they received a letter from me on XX/XX/XXXX and a follow up letter on XX/XX/XXXX. I have not received adequate documentation that I owe this debt and my rights have been violated based on my understanding of the laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
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: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
My profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report, have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX  XXXX This fraudulent account was reported without my consent and has caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately.

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