BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to my credit report and the negative items that have been listed on it. After reviewing my report, I have discovered two negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

The first negative item is an inquiry made by XXXX XXXX on XX/XX/XXXX, which has reached the statute of limitation. According to the FCRA, outdated and irrelevant information should be removed from my credit report, and I request that you remove this inquiry from my credit report accordingly. 

The second negative item pertains to an account associated with XXXX XXXX XXXXXXXX, under account number XXXX. I have no recollection of ever belonging to this account, and it is impossible for me to update it. As per FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and I request that you remove this frivolous account immediately from my credit report. 

I would like to remind you that the FCRA provides consumers with certain rights, including the right to dispute inaccurate information, the right to be notified when negative information is added to their report, and the right to have outdated and irrelevant information removed from their report. I respectfully request that you honor these rights and remove the negative items mentioned above from my credit report. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the removal of these items from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Almost two months ago my XXXX Credit Card balance was higher than its ever been and I immediately paid it down, almost to XXXX. To THIS DAY, the card company, Transunion, and XXXX  will not report it as decreased so my score will go up BUT THEY SURE AS XXXX MADE MY SCORE DROP 62 points when I used my card!! UNBELIEVALBLE

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 2023-03-20
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: Account status incorrect

Complaint:
This account has been closed and requested to be deleted per the collection agency. I requested a copy of my credit report and this account still appeared. I contacted the collection agency and requested to speak to a supervisor she informed me that this account was requested to be removed prior to XX/XX/2023. I informed her that it had not been deleted and that Equifax in fact reported it as still open with a balance XX/XX/2023. She then informed me that it is out of their hands because they requested it and its up to the bureau to remove. This is causing adverse action and wish to have this deleted asap. see proof of deletion attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX California State Controller, XXXX XXXX XXXX, sent letter dated XX/XX/XXXX, regarding unclaimed property of {$240.00} held by : Bank of America - Pre-Paid Card, XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number : XXXX Type of property : AC01 Checking Accounts Amount Reported : {$240.00} Date Reported : XX/XX/XXXX XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX at XXXX to claim property. Rep could not verify my identity on phone said I would need to report to a branch and have the branch call on my behalf to verify my identity via CA DL with current address. Rep on phone gave me a reference number of # XXXX XX/XX/XXXX Went in person at XXXX to Bank of America branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Bank representative verified identity and called XXXX on my behalf to verify my via CA DL with current address. Rep on phone gave a second reference number of # XXXX. Told to wait 6 to 8 weeks. 

XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX  at XXXX, to check on status of check. Told to wait 8 weeks. 

XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX  at XXXX, to check on status of check. Spoke to rep XXXX who transferred me to California Pre-Paid Cards department ( EDD ) at XXXX. Told check would be mailed within 6-8 days. 

XX/XX/XXXX Called California Pre-Paid Cards department ( EDD ) at XXXX, spoke to rep XXXX who transferred me to rep XXXX, Post Escheatment at XXXX, who transferred me to rep XXXX. 
XXXX said the check had been cut on XX/XX/XXXX and sent to the previous address, not my current address. XXXX ( rep ) said I would have to change address with the state of California, once address had been changed with the state, then I should call the Pre Paid Cardholders department at XXXX to verify identity and ask for check to be reissued. 
This is the first time a rep has 1 ) told me a check was cut 2 ) the check was sent to the wrong address 3 ) I would need to change my address with the state of California. 

Still unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2019-10-03
Company: Experian Information Solutions Inc.
State: WI
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:
Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent XXXX account from XXXX  for over 900 dollars. And a fradulent XXXX  XXXX XXXX   account for XXXX dollars.

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 2023-08-26
Company: EQUIFAX, INC.
State: CA
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:
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 XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing the same incorrect and incomplete information in the consumer file and consumer reports concerning me since XX/XX/XXXX. I sent follow up dispute letters on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX, and Experian has failed or refused to sent me investigation results. Experian has also refused or failed to delete information that I have provided proof of documentation as being incorrect. The Fair Credit Reporting Act requires Experian to ensure maximum possible accuracy in the information they compile and include in the consumer file and consumer report concerning me. The accounts I've disputed clearly have errors and are inconsistent from one credit reporting agency to the next, so no one can provide accuracy on those accounts. There's even companies whose names do not exist and are not registered to do business in the State of California, and therefore, must be deleted because I have no legal redress against them. They can not be served with a summons or complaint. I've tried locating their addresses and have not been able to. Experian has not provided me with their addresses. If they do not exist, Experian has no way of contacting them either, and the deletion of these tradelines should have happened months ago. Experian is willfully and intentionally in direct violation of the consumer protection laws and I am being damaged daily. I am suffering from defamation of character, being denied access to credit I would otherwise qualify for if it weren't for the incorrect and incomplete information, and I feel harassed by Experian 's failure to comply with the United States Code, Fair Credit Reporting Act, Code of Federal Regulation, and federal and state consumer protection laws. 

I demanded Experian provided me with a physical copy of the full disclosure of the consumer file concerning me pursuant to Fair Credit Reporting Act 609, and Experian has failed or refused to provide it. I sent this demand to their registered agent for process of service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA  XXXX to ensure that they received it. Notice to agent is notice to principal, and notice to principal is notice to agent. Therefore, Experian has received my disputes and 609 disclosure demand, and I have proof of it. It appears that Experian HAS IGNORED EVERY DISPUTE LETTER I HAVE SENT THEM.

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 2023-08-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$2500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Bridgecrest Acceptance 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated by how is that possible if the Bridge Crest Company has not provided the necessary documents under the law of the State of Florida UCC code 679.01. and state RISA and MVSA statutes deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a can not without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation certified mail tracking #

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 2022-02-11
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2022 I made a reservation for XXXX totally XXXX which includes XXXX in insurance. shorty afterwards I canceled the flight and insurance. I was toldthat my funds would go back to my card immediately because the funds where never transfered to the airline 's system.I called XXXX XXXX XXXX  days later to file a dispute, I was told to contact XXXX because they have a 20day hold on my account and since the charge is stil lpending I can not disputethe charges, I have called XXXX several times and they said the hold up ison XXXX XXXX card. Today whenI call XXXX XXXX  confirmed what XXXX said that the funds where never transfered tothe airline and the hold is on their end, but they refused to release my funds. I have spoke to several supervisors whohavehung up on me. i have requested for a manager to callme on several occassions, I'm been told that theres no manager only CSR and supervisors.I have asked several times to have a ticket submited for a call back and I have been denied. Because of these people I wasnot able to have all of things moved out of my old apartment and into my new apartment. I was being charged {$140.00} an hour, so still today I have things still in my apartment that needs to be moved and the landlord is still charging everyday that my things remain in the apartmentandthe garage.I am physically not able to move the items, due tothe factthat I was being charged i was trying to move as much myself as I could and I have been in bed for the last 2 days because of the pain.The bank has no reason tohold my money except for the fact they want to. I suppose they are making interest no matter how small the amount, I'm sure when they hold enough ofthe consumers small amounts for 20 days they have some kind ofbenefit other wise they would not be holding it

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 2023-08-26
Company: EQUIFAX, INC.
State: AR
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:
This is my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want it to correct : XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXXXXXX XXXX XXXX Balance : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Colony Brands, 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: Was not notified of investigation status or results

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the Fight to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written nstructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-05-21
Company: Home Mortgage Alliance Corp. (HMAC)
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a email saying someone was using my security card number in different states, buying things, in places like Texas and in a few other states thank you XXXX XXXX, have a nice day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2020-03-09
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was acquired by NewRez in XXXX of XXXX. They have not paid my property taxes and they were due in XX/XX/XXXX. I keep calling but get conflicting information. Some cust. serv. reps say it has been escalated ... some others say the payment has been paid ... now I am being told to write a letter and that there are no managers with whom to speak. At times I get hung up on ( happened twice ). 

I've confirmed with the City of XXXX that payment has not been received as of today, XX/XX/XXXX. They are going to auction off my property if it is not paid by XX/XX/XXXX. I have a tenant with small children and NewRez refuses to help me now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX spoke to representative that called me says the XXXX payment I made by mail was not received so I had to pay over the phone immediately so that I don't fall into a 30 day default. I made both the XXXX and XXXX payment total of {$240.00}, then following day on XXXX the XXXX check payment finally went thru, dated XX/XX/13 and I mailed it same day. so now I made 3 payments, called today spoke to XXXX after a long hold unable to reverse any of the payment because I will fall into default. then proceeded to tell me best to credit the month of XXXX and XXXX. attempted to get 1 payment reversed, can't  even do that, have to wait 5 days for check to clear, then another 15 days to get a check by mail. this company is worse than cash call. hold your check payment till the last day of the month, then calls and tells you that you are in default. gives you cause for concern and now the scare tactic tricked me into making 3 payments. nice way to do business -and on top of that I get a notice of default that I owe fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation