BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-07-19
Company: Municipal Collections of America Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeat offender ( MCOA ) On XX/XX/2023. I filed a complaint against ( MCOA ) for their debt collection practices. The company responded closing out the complaint stating they " have made no additional attempts to contact the citizen. '' Please refer to complaint ID XXXX. Today XX/XX/2023 I received another correspondence from company. Refer to date on correspondence, I circled it. 

The company has assumed the consumer, natural person XXXX XXXX has an alleged obligation to the XXXX of XXXX for a consumer credit transaction that I the consumer am unaware of. I have never granted the XXXX of XXXX credit. I have never given the XXXX of XXXX my private information to create a consumer credit transaction in my name. I have not received any benefit from this consumer credit transaction for personal, family, or household services. 

The amount claimed to be owed keeps changing and when I ask for documentary evidence for this alleged obligation, both companies have failed to produce the documents demanded from them. Both companies have failed to verify the original creditor name and address. 
I also filed a complaint about the XXXX of XXXX. See Complaint filed. I have tried to resolve this matter but both companies are refusing to cooperate. It is a fact that MCOA and XXXX of XXXX are racketeering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Bread Financial 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:
Dear XXXX Subject : Furnish XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX WIRE TRANSFER MADE TO WRONG BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Within minutes BOA was notified that the wire needed to be STOPPED XX/XX/XXXX BOA looked into stopping wire, but it had already been completed. 
We filed a complaint with BOA, but they have not made an attempt to rectify this situation. 
I was told it was my 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 2022-11-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX  DATE XXXX : XX/XX/XXXX EXPERIAN DATE XXXX : XX/XX/XXXX XXXX DATE OPEN : XX/XX/XXXX LAST ACTIVE : XXXX XXXX XXXX : XX/XX/XXXX EXPERIAN DATE XXXX : XX/XX/XXXXXXXX XXXX  DATE OPEN : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have already sent letters to the credit bureaus asking them to verify the debt on my report. They have sent back stating that everything is verified. My credit report is still showing inaccurate information. I took a closer look to see that numerous things were still incorrect. I have pulled my reports and see numerous inaccurate things. As well as saying different dates, and numbers on each credit report. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) 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 the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I received a judgement for wage garnishment from CREDIT BUREAU OF LEWISTON CLARKSTON , INC A Washington corporation. I had previously spoken with " XXXX '' at XXXX-XXXX-XXXX at wich time I requested documentation/validation of the debt consisting of the original contracts and history of acct payments etc. because I believe some of the information as inaccurate. I received printed receipts with no detail and no signatures on several accts, I waited a couple weeks then called them back to again request the original documents and " XXXX '' informed me that she had already put it through for garnishment. I had spoken with " XXXX '' about {$50.00} dollar payments biweekly once I had satisfactory validation of the debt and we were able to correct-any errors in the judgement as I did not want to agree paying an incorrect amount I wanted all the filings to be accurate before starting payments. she claims I did not follow through on my payment agreements however I simply wanted correct information before I submitted payment as some of the accts are a few years old. now I have to file a request to stop garnishment and believe this company is not entitled to garnish my wages. nor are they entitled to collect any monies from me as they failed to validate the debt and I would like to work with the original creditor that they claim they filed on behalf of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: SC
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 accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00}

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 2018-09-10
Company: KEYCORP
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The phone number provided on my statements from Key Bank are not accurate. I have to call every month to make my payments, and the number provided of XXXX is not a valid phone to reach them. When I call that number it says that this number is no longer in service and I am provided another number to call. I call that number, I have to provide my information and then I am transferred to another party where I am again asked the same information. I have provided them images of the incorrect statements and the number still remains to be incorrect on the monthly statements. This makes it extremely difficult to pay my loans in a timely fashion if the information being provided by the company to make payments is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: SinglePoint GI
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX  ( XXXX  ) forced XXXX  to Resign prior to taking certain classes. XXXX then proceeded to demand payment for those courses they restricted XXXX from taking. 
XXXX  entered into an Enrollment Agreement ( Exhibit A ) to pursue training in XXXX XXXX  XXXX at the ( XXXX ). XXXX  's courses were to be taken at the XXXX  Branch Campus in NJ. The Enrollment Agreement is signed by XXXX XX/XX/XXXX and is attached as Exhibit A. 
XXXX 's first course ( XXXX XXXX  XXXX ), he was given a failing grade because of his final exam grade of XXXX. His overall grade for the course was XXXX. 
On XX/XX/XXXX, XXXX was place on academic probation ( Exhibit B ). He was told that he must score a passing grade of XXXX on all subsequent courses. 
XXXX  's next course ( XXXX  ) he did receive a Final Exam grade of XXXX and an overall grade of XXXX ( Exhibit C ). 
On XX/XX/XXXX XXXX  was pulled out of his third course and forced to resign despite satisfying the requirements of the academic probation ( Exhibit D ). It should be noted that up to that date, XXXX  had a perfect attendance record and had overall scores of no less than XXXX On XX/XX/XXXX XXXX  received a collection notice alleging a balance outstanding of {$4500.00} ( Exhibit D ). This amount represents those course ( s ) those courses that he was not allowed to take. They were NOT the courses that he took and allegedly failed. Those courses that he completed were paid for by grants and loans ; those loans XXXX will be paying XXXX XXXX directly ( and possibly other loan sources ). According to their own paperwork, this will be {$6000.00}. 
XXXX  is not denying the obligation to pay back the {$6000.00} to creditors for the courses he did take. 
XXXX wants to collect on courses they prevented XXXX from taking. The {$4500.00} XXXX   alleges is owed is denied and constitutes an attempt at Unjust Enrichment by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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:
I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/XXXX. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 


XXXX XXXX {$450.00} XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$700.00} XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$150.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CITIBANK, N.A.
State: GA
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:
I have a Costco Citi Bank Card and requested a credit increase. To do so, I was required to unlock my frozen credit. The first XXXX times, I was requested to unfreeze XXXX. I did so, and was told the credit was frozen. On XX/XX/2022 Citi told me to unlock XXXX which I unlocked for XXXX weeks. I again received a denial because my credit was locked and needed to unlock XXXX. I called on XX/XX/2022 and spoke with XXXX with Citi. She requested I unfreeze my credit with XXXX. I unfroze my credit until XX/XX/2022 and requested she make a follow-up call. 

XXXX called me today, XX/XX/2022 and said my credit was frozen with XXXX and it was my problem. She tried 2 times with her back office and both times it was shown as blocked. XXXX refused to escalate the problem with Citi. I verified on the XXXX site that my credit was unfrozen. XXXX is unreachable.

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 2023-07-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit is being damaged through no fault of my own. Im looking for options to either pay off this mortgage, make automatic payments. I have no ownership in this home therefore I can not refinance. The primary borrower will not communicate with me. I am NOT being given monthly statements by the lender. I have NO control over delinquency on this account. I can ONLY access this account through my credit report & even though I check regularly, I dont have access to specifics until a month after its reported to show last payment made. I dont have information on how to pay, amount due, close out balance or how to assume full responsibility for the loan. I have not made a single late payment in over 30 years. I want to make sure that Im responsible for anything that I can control. I have no control over this mortgage. Lender even sent wrong info with another of their clients personal information enclosed. I wonder if my personal information was compromised as well..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX, Transunion, and XXXX still hasn't responded to my disputes. It has been over 60 days. I am heavily stressed and I've had enough of the bureaus taking advantage of me. I've attached the 30 day demand to comply. These accounts has to be deleted immediately.

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 2022-11-16
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: Reporting company used your report improperly

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