BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE REVIEWED MY XXXX CONSUMER CREDIT REPORT, I AM CHECKING ALL INFORMATION THAT IS IN ACCURATE I CAME ACROSS SOME ACCOUNTS SHOWING SAME NAMES TWICE FOR ACCOUNTS XXXX. WHICH IS XXXX XXXX XXXX IS SHOWING TWICE ALSO SHOWING ACCOUNT OPEN ACCOUNT # XXXX. SECOND ACCOUNT UNDER XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT SHOWING OPEN AS WELL. 
XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX THERE ARE SOME DISCREPANCIES, INACCURACY, WITH THESE SAME ACCOUNTS. I HAVE A LETTER FROM XXXX XXXX  XXXX, STATING THAT THEY WILL OR HAVE ASK THE CREDIT REPORTING AGENCIES TO REMOVE THE ACCOUNTS FROM MY CONSUMER 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 non-monetary relief
Consumer complaint received 2020-04-14
Company: AMERISAVE MORTGAGE CORPORATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started an online application on XX/XX/XXXX th, gave XXXX earnest money and all necessary documents that week, since then has been very limited contact from Amerisave mortgage, inconsistent information, misinformation, deceptive or inaccurate statements, attempt to contact, little success. When they do contact me they sound frustrated and befuddled, just say anything to get me off the phone. This company has all my sensitive financial information, am becoming concerned that the company can not complete this loan and doesn't want to admit it, possibly a total scam to get consumers information to sell?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-06-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause XXXX XXXX doesnt not have a physical address. My credit report is showing a late payment which needs to be removed

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 2021-05-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in response to the attached letter provided by American Express in which American Express advanced a false claim that a corporate credit card debt is mine as the former signor for the company. 

I never signed any agreement either in ink or electronic signature stating or acknowledging that I am responsible for the corporate card debt. I challenge American Express to provide such proof. Such proof does not exist. 

American Express must stop this abuse in the next 15 days response required of this complaint or the complaint will be escalated by the Federal Trade Commission to investigate and concurrently letters will be submitted to XXXX XXXX XXXX and Representative XXXX XXXX with oversight over financial fraud to hold American Express accountable for consumer fraud activities by deliberately passing a business debt for personal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
Texas XX/XX/XXXX 16.004 4 4 adding removed accounts back on with notice https : //www.credit.com/debt/statutes-of-limitations/ scaring me to sue is against the law XXXX  XXXX  XXXX 53 bankUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule.

Tax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX  and XXXX  ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. 

In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. 

How Will the Tax Lien Change Affect My Credit? 
According to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. 

However, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that " analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I enrolled in American Express ' XXXX XXXX Program ( the " Program '' ) on XXXX XXXX, 2020, with my credit card account having been previously reported by American Express to the credit bureaus once in XX/XX/2020 as 30 days past due. 

I enrolled in the Program under the impression, as stated in the Program 's terms and conditions ( received in writing on XX/XX/2020 ), that " if it ( your account ) is past due now, it will not be reported any further past due ''. Despite this representation in the Program 's terms and conditions, American Express reported my account as past due again subsequently on XX/XX/XXXX, 2020- XXXX days after my enrollment in the Program and contrary to the terms and conditions cited above. 

Since the second reporting on XXXX XXXX, 2020, I have contacted American Express twice to 1 ) express my surprise at the reporting given the clear statement in the Program 's terms and conditions that states otherwise, and 2 ) request that the XX/XX/2020 credit bureau past due reporting be rescinded. During both calls, American Express provided additional previously unknown Program terms to me, specifically that my account would continue to be reported to the bureaus as " past due '' because " it takes 3 payments to bring the account current under the program ''. This information and caveat was never made known or explained to me by American Express, nor is it specifically stated in the Program 's terms and conditions I received on XXXX XXXX, 2020, in writing. 

As a result, I am filling this complaint to highlight the 1 ) highly misleading and inaccurate terms and conditions cited in the Program 's consumer documentation, indicating that '' if it ( your account ) is past due now, it will not be reported any further past due '', which is clearly contrary to actual practice given the past due reporting to the credit bureaus on XX/XX/2020 and subsequent verbal statements by American Express representatives, and 2 ) request that the Program 's terms and conditions be clearly and specifically transparent regarding the actual continued negative credit bureau reporting for an account with a past due status at the time of Program enrollment, and 3 ) that as a result of the above, American Express honor the documented Program terms and conditions as presented to me via letter dated XX/XX/2020 and rescind the negative past due reporting on XX/XX/2020 and refrain from any such further reporting during the course of my enrollment in the Program. 

This is extremely important in light of other consumers ' desire to avail themselves of this Program. American Express ' misleading and non-transparent Program terms is shameful in normal times, and downright disgraceful during these extraordinary times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Bread Financial Holdings, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: GA
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 Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX XXXX XXXX On XXXX  XXXX XXXX XXXX XXXXNXXXX On XXXX XXXX XXXX XXXX is a Closed/Charge Off Account and it should not be any activity once the account is closed. Experian and XXXX are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

XXXX XXXX is Closed/Charge Off Account and Comments Say Experian and XXXX Disputed By Consumer. Also on Experian Date does not match, It is two different years for the day of last activity. Experian XX/XX/XXXX... XXXX XX/XX/XXXX... XXXX XX/XX/XXXX. Experian Open Date XX/XX/XXXX -- Experian Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on Experian, it shouldn't be any activities once account is closed. It has two different years the date of last activity Experian XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX Is A Closed Account On XXXX and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. States I have the right 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 instructions.

15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2020-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I do not have an overdraft protection account with Bank America or have I signed authorization which gives them authorization to pay merchants for funds that is not available in my account. 
On XXXX XX/XX/2019 There was a merchant item processed for {$130.00} Bank of America paid the item without funds being available. Per my knowledge and history with Banking when there is insufficient funds the item should be returned to the merchant based on insufficient funds and the bank charges their customer an insuffient funds fee. unless there is a signed agreement with the bank to pay when funds are unavailable

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX account # XXXX high balance ; {$11000.00} Date of last Activity ; XX/XX/XXXX last payment ; XX/XX/XXXX For the past 18months XXXX has been reporting a charge off which is inaccurate information on my credit report after I have continuously asked them to investigate. If these numbers are supposed to be the same, if you're getting the same information from the same creditors why are these numbers so vastly different.. another complaint is the fact that they're saying that I made a payment on XX/XX/XXXX I never made a payment so I thought that was strange.. on my credit report it says that I can contact the original creditor..I called XXXX XXXX and they were scared to answer any questions stating they no longer have my account it has been sold to a debt collector that's not even on my credit report.. I contact the collection agency named XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. to ask them to verify this debt they stated I owe XXXX neither of the three bureaus are reporting ACCURATE INFORMATION... PLEASE DELETE ACCOUNT ... XXXX also took me to court and the judge dismissed the case I've enclosed documents of the final judgment I don't owe anything.

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 2020-02-11
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied with XXXX  to see best options for refinancing our house. XXXX  claimed we did not qualify with any of their customers. Then the phone calls started from Loan Depot. Loan depot has used XXXX, and XXXX. Loan Depot will call from one number then the other by computer generated calls. Have tried to get them to stop calling all day long from both numbers from around 8-10 times a day. When you press the number to be removed from their calling list they call a few minutes latter. They need to stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you in the utmost frustration and disappointment regarding an erroneous account that has been consistently reported on my credit file. I am formally disputing this account, which is clearly a result of fraudulent activity. This situation has caused significant damage to my creditworthiness, and I insist on its immediate removal from my credit report. 
Account Information : XXXX XXXX I have attached supporting documents, including affidavits and evidence, which unequivocally prove that I have been a victim of identity theft and that this account is fraudulent. This matter is of grave concern as it has adversely affected my ability to secure credit, obtain housing, and achieve financial stability. It is crucial that you take immediate action to rectify this situation. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and timely resolution of this dispute. According to the FCRA, you have a maximum of 30 days to investigate and respond to my dispute. Any failure to adhere to this timeframe will be seen as a violation of federal law.

Furthermore, I reserve my right to take legal action if this matter is not promptly and properly addressed. I will not hesitate to seek damages for the harm that has been inflicted upon my financial well-being and reputation.

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 2023-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is to inform the CFPB, with the respect that the agency, deserve that I am fully aware of the procedures on how the CFPB, helps us as consumers, I am a consumer practicing my legal rights, notice to agent is notice to principal, notice to principle is notice to agent, my understandings are the following, how does CFPB enforce to help consumers when they enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any enforcement action or public enforcement actions. When warranted by the investigation, Enforcement may seek authority from the Director to take a public enforcement action. Alternatively, Enforcement may close the investigation without taking public action or refer the matter to the Office of Supervision Examinations to resolve the matter through our supervisory process. If the Director authorizes a public enforcement action, we may bring the action in state or federal court or institute an administrative adjudication proceeding. Administrative adjudication proceedings are formal adversarial proceedings conducted by an administrative law judge, who issues a recommended decision to the Bureaus Director. The Director issues a final decision, either adopting or modifying the administrative law judges recommended decision. When we enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any Enforcement action. In addition, we also have obtained a wide range of injunctive relief designed to stop unlawful conduct and prevent future violations. In some instances, relief has included banning individuals and companies from future participation in the marketplace. And just to let the CFPB know with all the respect the agency deserves which I has no intention to promote any unlawful, false, or fraudulent purpose, to promote or conduct an illegitimate object or purpose, or is being requested or submitted in bad faith or for the purpose of harassing or defrauding a person, those companies that I have mentioned on the PDF file linked to this report has violated several times and disregard the noticed send by certified mail. on all companies mentioned on this attachment please address and enforce those violations since I have been disputing those accounts for the past month and for the past three years. And with respect I am aware of 12 section 411 which I have a dress to all the companies mention on the PDF file which they have disregarded.

thank you.

Company response to consumer: Closed with explanation