BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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 am intrested in disputing all incorrect information on my credit report with Experian. checking the file ive noticed alot of invalid information. I am intrested in correcting all the errors.

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 2022-12-28
Company: EQUIFAX, INC.
State: NC
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them nor did they prove validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
XXXX XXXX XXXXXXXX XXXX account was fraudulently made by an unknown person to me using an email of : XXXX and they transferred {$4900.00} into an online acct ending in XXXX ( not associated with me in any way ). I NEVER created an online Acct. with Bank of America. I was just calling the number in the back of the card to see when my XXXX money would be available. Apparently the card was loaded by the XXXX dept. On XX/XX/XXXX. On that same day {$4900.00} was transferred to that unknown acct ending in XXXX. I didnt even call until XX/XX/XXXX ( I was unaware the money had already been stolen ) when there was a discrepancy what the XXXX stated they loaded and what was left on the card was only {$2800.00}. I immediately contacted B of A s fraud dept. Who closed the online login stuff ( that was never me in the XXXX place ) and issued a new card with only the remaining balance of {$2800.00}. They informed me how to make a claim to get the rest ( XXXX ) back. I followed all their steps and faxed the appropriate paperwork to them twice now and I keep getting the same letter stating your claim has been resolved, you or someone you authorized to use your acct verified the transaction prior to the funds being sent as a result your claim has been denied also in the letter it states, I have the right to see the documents that they relied on for the decision when I called demanding those documents they said they can not send them?!?! Im on my XXXX reconsideration letter now. Not sure XXXX ever receive the XXXX money that I have earned and am owed by Bank of America. XXXX started on XX/XX/2023, I went back to work XX/XX/2023 2023

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 2022-12-21
Company: EQUIFAX, INC.
State: NC
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:
Sent letters in XXXX, XXXX nd called in XXXX and called all three agencies last evening XX/XX/XXXX about an account from XXXX XXXX. XXXX XXXX has been of no help and I have excellent credit but the inaccurate reporting of this account is detrimental to me. I have asked them to fix and investigate and they either ignored or moved the date of late payment which didn't happen to date of contact. 

XXXX says XX/XX/XXXX opened closed paid as agreed but updated last on XX/XX/XXXX Equifax says XX/XX/XXXX opened closed paid as agreed but updated last XX/XX/XXXX XXXX says XX/XX/XXXX opened closed and paid as agreed but last updated XX/XX/XXXX They are ignoring my certified letters to fix this error and most recent inquiry should be as of XXXX. This is only info I have on this account XXXX XXXX XXXX. They are not investigating my complaints and not updating me per US Code 1681. This is hurting my score even though still high and no one is helping or responding

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was a tenant of XXXX XXXX ( a community owned by XXXX  XXXX XXXX XXXX XXXX ). I moved out of this unit XXXX of XXXX. Prior to my move out, I completed a walk-through with a staff member of the management office. At the completion of the walk through, the staff member was pleased with the condition of the unit. There was no damage beyond normal wear and tear. 
Fast forward to XXXX, I noticed a collection amount for {$4400.00}. I have contacted XXXX by phone and in person many times and was ultimately told that the XXXX who billed me was no longer with the company and therefore they could not easily access my file with the proof of this allegation. They did not return my calls, nor did they provide any addition help with this matter. I have called the XXXX XXXX  XXXX corporate office and I got no answer or no response. There has been no actions or responses taken by the company. I have reached out many times. 
I do not know what to do at this point. I did not damage the property. It is incredibly unfair to charge someone {$4400.00} for unproven damages in an apartment with such poor quality materials and service. I have had a countless amount of issues during my time living at XXXX XXXX. 
This collection on my credit has completely blocked me from seeking housing for me and my children and no matter how much I pay my bills on time, this continues to be a hindrance. And what is most unfair is that this company did not even care to validate this before placing it onto a persons credit.

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 2022-12-28
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX mortgage payment of {$3900.00} was received and cashed by the mortgage servicer on XX/XX/2022 ( check image attached to complaint ). As of XX/XX/2022, no payment had been applied to my account and I hadnt been notified by phone or email that my payment was late. The mortgage servicer said my case was under investigation but refused to guarantee that they would not report a late payment to credit bureaus while under investigation.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.

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 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Ive been dealing with this issue since the beginning of this year. Capital One continues to state this account is mine when in fact my social security was stolen to create this account. Ive already spoken to representatives and know it was created online. On XX/XX/XXXX I received a letter stating why they believe the account is mine. The first reason was because of the address, Ive already stated to Capital One that my mother took my social and made the account without my knowledge hence why I would be listed at the same place. They also list my phone number and thats extremely fraudulent because I told XXXX of the representatives to contact me when new information about the case arises and I specifically told her NOT to put my number on this account because its not mine. They placed my number on the file without my consent ( this can be found in many recordings stating this especially during XXXX summer ). The last bit of evidence they stated clearly shows what Ive been stating since the beginning that the account isnt mine. Capital One states that on XX/XX/XXXX I had called to get a new card. If the investigators at Capital one did what they were supposed to theyll realize the number is a completely different number and its my mothers number. If they listened to that recording Im sure they can compare it to every phone call Ive made to them about this being fraudulent and realizing its XXXX separate people. I also have evidence to show I was not even in XXXX in XXXX because I moved to XXXX for a short time for school and family ( aunt and uncle who can also be a witness to this ) but moved back due to the pandemic in XXXX. I have paychecks that can confirm I was not at the address at this time again due to abuse at home. Please remove this fraudulent account from my credit report or XXXX have to further this to a judge who will listen. This is tiresome, I just want this issue fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}

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 2022-12-28
Company: EQUIFAX, INC.
State: RI
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:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 ; I received a notice from USAA on my app that my closed checking account was reopened. The letter said " Were writing to notify you that your USAA Bank account ending in XXXX has been temporarily reopened due to account maintenance that needed to be completed, or a transaction or transactions that were required to be posted. '' This account was charged off in XX/XX/2023 due to fraudulent activity due to true name identity theft that was not properly or fully investigated by USAA 's fraud department. On XX/XX/2023 at approximately XXXX. I was advised by a XXXX XXXX from the restricted accounts/collections department that the bank is entitled to reopen the closed account to accept deposits that are not entitled to the bank and take those funds to apply to any debt. 

According to Administrative proceedings case number XXXX XXXX, USAA was ordered stop reopening accounts without consumers consent and to conduct fair investigations with respect to fraudulent activity. USAA did not obtain my consent to reopen my old account after closure which the account being closed for XXXX month, any prior consent was revoked upon closure of the account. USAA did not reject an erroneously sent payroll direct deposit which they are required to under Regulation Z which puts them in violation of the consent decree and in violation of criminal statutes of theft by conversion by intentionally refusing to return my property illegally taken by USAA. 

The taking of my payroll direct deposit constitutes theft and unlawful conversion of my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 called boa to inform them of my mortgage not being report to XXXX, the mortgage is reflected on the other 2 credit reporting agencies. They sent me correspondence detailing the call. Fast forward 90 days later the account still isn't on my credit report so I sent another correspondence and called them to inform them. They sent a letter stating that the account had been resubmitted to 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 2022-12-28
Company: Experian Information Solutions Inc.
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:
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.

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 2022-12-31
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:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX Showing 2 Different Account numbers along with a lot of other reporting inconsistencies clearly violates Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

please see attached proof

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 to the Fair Reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681C ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anti dates 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 non-monetary relief
Consumer complaint received 2023-01-01
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with monthly installments I was paying everything on that this was in XXXX come XXXX of XXXX had a bit of misfortune I was XXXX  which payment stopped after that month was my last payment I come home XX/XX/XXXX and Im trying to get my phone back on I forgot the Lock Screen code took a couple of to get that right called all around trying to fix the problem when I find out who the XXXX party collection was called them like the XXXX week of XXXX explained my situation again asking to set payment plan no they want it in full I stressed that I couldnt come up with that when I only had XXXX left to pay on phone for it to be mine anyway still nothing they wanted it in full I exhausted all my resources like I told XXXX XXXX XXXX record show I was a excellent customer until my misfortune happened and I cant get any leniency what was I a good customer for XXXX I only owed XXXX XXXX dollars on my bill when I got incarcerated come home on XX/XX/XXXX they want {$1200.00} how thats so unfair.

Company response to consumer: Closed with explanation