BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good evening, I am writing this agency concerning an ongoing matter with a collection agency which has refused all communication on my behalf, seeking to verify and validate debts reported which are unknown and not mine. The company handling this information is Team Recovery, debt buyers. Their are numerous accounts being reported and because the company has not deigned to even respond to my disputes, has not once provided the documents requested from the original source, has not even bothered to provide any transparency, I am writing this agency to provide the oversight that is sorely needed here. 

In desperation to have these issues resolved I have even gone so far as to pay debts which I know are not mine to have them removed from my consumer files but it is disheartening and I did so before I knew of your agency. It is beyond unfair to not only be presented with collections I know are false but also to be made to pay them as a sort of blackmail in order to have my credit report be my own. 

Here i am asking for mediation and intervention on this agencies behalf, so that this can be resolved. I have been ill treated and given the run around, I am certain this agency will not be treated in the same shameful and shabby manner. Therefore I ask for assistance to resolve this matter and put an end to the fraudulent collection attempts by this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Public record information inaccurate

Complaint:
I got a bankruptcy, more than 7 years ago and it continues to appear in all my credit reports, Equifax, XXXX  and XXXX. 
Supposedly the punishment for a Bankruptcy is that it goes out reported for 7 years, and those seven years have already passed, and all the credit bureaus continue to report it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX an account under my maiden name ( XXXX XXXX ) and old residential address was opened, I was notified via email, XXXX Subsequently, on XX/XX/XXXX, another account was opened, under my maiden name ( XXXX XXXX ) and old residential address was opened, I was notified via email, XXXX Each incident was reported to Bank of America on the day the account was opened to report fraudulent activities. To the best of my knowledge, no money or transactions occurred. 

Fraud case id # s are as follows provided by Bank of America : 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 2022-12-16
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items 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. Kindly update or correct the following erroneous 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 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 2022-05-01
Company: EQUIFAX, INC.
State: NV
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, XXXX  # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.

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 2023-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recently signed up for a XXXX XXXX XXXX XXXX, after seeing multiple social media and email advertisements. All of the messaging made it clear you could " earn points by paying rent, '' and since rent is a significant expense for my household, I signed up. In nearly 25 emails sent following signup, there was only 1 direct mention of needing to complete 5 additional transactions, and all advertisements do not include this information. In fact, I only became aware of this policy after my first month 's payment where nearly XXXX points were already forfeit. I worked in credit card processing, so I understand that there are valid reasons why they need multiple transactions per month to maintain a relationship with the bank and/or card network, but this does not change the fact that information that would have led me to not sign up was not given in any promotional materials. Benefits are touted without any indication of the requirements -- for example, XXXX states " you get XXXX points with $ XXXX spend in the first 3 months '' ( or similar ) -- the qualification is clearly stated in the advertising. XXXX XXXX current marketing is misleading and should be corrected. 

I don't get the advertisements anymore, so I can't grab a screenshot of the misleading ads, but the email I received from onboarding ( attached ) says : " Pay rent and earn points If you're approved, set up autopay and automate rent payments. Set it and forget it. '' -- > This is untrue. This is exactly what I did ( set up automatic rent payments ) and I expected to earn points, " Pay rent and earn points... set it and forget it '' but earn no points. This is attached. 

I reached out to support to ask to reinstate the points that were lost due to this misrepresentation and they denied my request and told me to make additional transactions.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: LA
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 see attached docs I am writing to request the immediate deletion of this information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court proceedings such as Dixon-Rollins v. Experian Information Solutions

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 2020-05-21
Company: EQUIFAX, INC.
State: OH
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:
I have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to urgently request that you remove an account from my credit report. This account is causing me significant anxiety and stress, and it is affecting my ability to sleep. I have previously provided all the necessary documents to support my request for removal, and I implore you to take immediate action to remove this account from my credit report. I would greatly appreciate your urgent attention to this matter

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 2021-07-26
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already filed a previous complaint ( XXXX ) about Loan Depot 's deceptive and fraudulent loan practices. Please refer to the previous complaint for details that started these issues with this company. The reason I am filing a new complaint is after being forced to pay $ XXXX to pay down the loan to correct the issue regarding additional flood insurance, I have asked for a recast ( loan modification ) to reduce the monthly payment. If Loan Depot had disclosed the issue about additional flood insurance prior to funding the loan, we would have had a lower loan amount which would have translated into lower monthly payments from the onset of the loan. Instead, Loan Depot waited 2 months after the loan was funded to inform us about the additional flood insurance. To avoid paying additional flood insurance, we were forced to pay down the loan by $ XXXX. Upon requesting a loan modification, we have been told there is a {$250.00} processing fee that will not be waived. This request is preposterous. If Loan Depot hadn't engaged in deceptive and fraudulent practices from the beginning we would have had a lower monthly payment because we wouldn't have signed off on the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureaus are still reporting inaccurate items on my credit report

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 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX IN Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights.

I have already disputed these items, but the bureaus, did not remove them, nor prove validation under sec. 609 of FCRA.

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

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 2023-06-01
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-07-26
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: Was not notified of investigation status or results

Complaint:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

US BKPT CT NY XXXX Account ID : XXXX ( Equifax ) XXXX ( XXXX ) XXXX ( XXXX ) On XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 and XX/XX/2021 I requested Credit Bureaus to send me the name and address of the furnisher of information who helped them verify that the filed on was accurate. All three bureaus listed the source!!!!!!!, but not the actual furnisher. They have failed to comply with FCRA prescribed procedures ( 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; ). This item must be Deleted immediately. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Do inquiry on my credit report is fraudulent its not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone 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 2022-08-15
Company: EQUIFAX, INC.
State: MN
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:
Review attached Equifax Credit File and Confirmation Number : XXXX of information I received from Equifax on XX/XX/XXXX. I am a victim of the recent Equifax credit score error. The following public record was was deleted and removed from my Equifax credit report by Equifax on XX/XX/XXXX, but the public record has been reinserted on my Equifax credit report : Case or ID : XXXX, US Bankruptcy XXXX XXXX, Minnesota. The Public Record thats currently listed on my Equifax and XXXX credit report is not my public record. The XXXX XXXX  XXXX Account : XXXX with a balance of {$330.00} thats currently listed on my Equifax and XXXX credit report is a fraudulent account. The XXXX Banks XXXX Account is not my account. I did not apply for the XXXX XXXX XXXX Account. The XXXX XXXX Bank XXXX XXXX Account : XXXX is lost/stolen. The balance of {$270.00} on the XXXX XXXX Bank XXXX XXXX Account is all fraudulent transactions and not my charges. The following credit inquiries thats listed on my Equifax credit report is fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Land Home FS is unlawfully asking me to pay the amount of {$15000.00} while accepting there are not pending insurance issues and being aware of the limits shown by the Permanent Modification Agreement. 

When XXXX XXXX filed the wrong foreclosure not only made the false statement that I was in default when I was not as proved in Court on XX/XX/2018, but they also claimed the wrong amount of {$5300.00} when the right amount in the case of a real default should be {$1000.00} ( 6 months by {$170.00} ) according to the said modification. 

For Land Home FS be asking now {$15000.00} is triplicating XXXX initial abuse and by supporting a wrongful filing foreclosure in the hope to bargain that unlawful amount, LHFS is incurring into an intentional wrongful act which involves a legal action that is materially deficient, a real perversion of the legal system.

Company response to consumer: Closed with explanation