BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
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, XXXX : XXXX, am a federally protected consumer and living being, submitting this complaint against Experian without any influence from any third party or agency. I advise you to see the attached documentation as it contains my full complaint and demands. On XX/XX/2022 I mailed a dispute letter to Experian to remove Bankruptcy Ref # XXXX from my consumer report. On XX/XX/2022 Experian received my letter, as confirmed with the attached return receipt. On XX/XX/2022 Experian claimed to have done an investigation ( Report # XXXX ) and that the " company that reported the information certified to Experian that the information is accurate ''. This is fraud because US BANKRUPTCY COURT XXXX XXXXXXXX does not furnish this information to CRA 's, including but not limited to the 3 major reporting agencies and the minors such as XXXX XXXX, XXXX  and the likes. It is not within the policies or obligations of the US BANKRUPTCY COURT XXXX XXXX to validate any public records. This violates my right to privacy and permissible purposes 15 U.S.C 1681b ( a ) ( 2 ) because I did not give Experian or any other credit reporting agencies permission or consent to furnish this information to my consumer report. If Experian actually conducted an investigative consumer report then I demand they provide me with the disclosures pursuant to 15 USC 1681d.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 requesting that it will be removed from my credit 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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2023-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Since the beginning of XX/XX/2022 I have tried to dispute the validity of the accounts on my credit report. I never gave this company written consent to disclose my information and also under know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
This was not sent in error, I am a consumer by law and my information was misused. Due to this there is false information reporting on my credit report. Unauthorized use of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my father passed away XX/XX/XXXX. I was not listed on his bank accounts, nor his mortgage with the XXXX XXXX. This company froze the account on me today. They have been accessing the checking account, giving me balance information and withdrawing money to pay his mortgage each month since XX/XX/XXXX, including today, 5 min later they froze the account due to the federal privacy regulation. They've accessed and transferred {$440.00} each month since XX/XX/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 2022-01-06
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021 I called Equifax informing them that they are reporting inaccurate information on my consumer file/credit report. On XX/XX/2021 I sent Equifax an Affidavit of Truth. Also requesting that the inaccurate information be removed from my consumer file/credit report. As of today, I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from 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 2019-12-06
Company: CAPITAL ONE 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: Public record information inaccurate

Complaint:
This complain is about Capital One, XXXX XXXX and any other credit reporting agency which took the false information provided by Capital One, and impacted my credit report and score. 

Issue 1 : Capital One reported derogatory account information on my credit report. Capital One reported bankruptcy on my account, which has significantly impacted my credit report and score negatively. Capital One has done this in the past as well and I had to go through the hassle of getting it corrected. Now this has happened again. This is unacceptable. 

When I called Capital One to inquire about this on XX/XX/2019 at XXXX XXXX CST   and spoke to them for 17 minutes from my cellphone ( XXXX ), I had to speak to multiple people, who were unable to resolve the issue. The final person I spoke to was the manager XXXX ( XXXX ), who refused to give my his last name. The manager told me that he can not give me details or tell me what capital One reported to the credit bureaus. For any such request I will have to write a letter ( not an email, online request, or a call, but write and physically mail a letter ) to Capital one. I refuse to write and mail a physical letter to Capital one, and here are my concerns with this Capital One policy, information reported by Capital One and its impact on my credit score. 

How can Capital One report something to the agency without my knowledge and consent? 
If Capital One can so conveniently report false information, why is it so hard and inconvenient to get the proof and record of the information they reported on MY credit to the credit reporting agencies, which NEGATIVELY impacted MY credit score? 
This is America, proof of burden is on prosecutor and not the accused, so where is the proof ( as in documentation ) that I filed for BK today or anytime in past? 
Dont the credit reporting agencies have a duty to check and stop such false information on my report, especially when only one company ( which has made this false report in past ) is providing this false information, and no other bank or credit institute is report any negative items on my credit? 

Issue 2 : In addition to falsifying information on my credit report, Capital is hindering me from paying my bills on time. Since my Walmart credit card account transferred from XXXX XXXX to Capital one, I am unable to get any account information or make a payment. Its like my account does not even exist. I have tried to add that to my online portfolio multiple times, but have not been able to do so successfully. I even tried to call and make a payment, and I am not sure if that ever went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: VA
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:
During the week of XXXX XXXX of XXXX, I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 A. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
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 trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several months, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I XXXX have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. I am asking for your assistance to remove the fraud items in my credit 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

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 2020-02-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get my correct credit score from Experian for 7 months. Also in previous years I have for months also tried. 
In XXXX of XXXX I hired a credit repair company to find out why my score was so low.Over the next 6 months I paid {$120.00} a month for repairing my score. They were only able to get the scores up on XXXX XXXX and XXXX, they were not even able to get an updated score from Experian. In XXXX of XXXX I hired another credit score company to do the same as far as raising my score. My intention was to get the new company ( XXXX XXXX ) to get my score, I figured since they were a law company they would be able to get me results.The problem I have is that Experian shows my score from XX/XX/XXXX. I have called Experian at least a dozen times about this matter. I spoke to probably 20 or so people bout the problem of the old score.I have been told it was my operating system would not work so I tried using XXXX XXXX for the score as they said that would work, but still score from XXXX comes up.Then I spoke to another person at XXXX who said I had to empty my cookies and cache to get my score, I did and still score from XXXX came up.Then I called again and another person said it would be sent to the technical dept and keep checking, also keep refreshing the page.When I attempt to refresh the page this message comes up ( An error occurred and we are currently unable to process your request ) Still old score from XXXX comes up.I don`t feel I should be at the mercy of a credit reporting company. Because of the scor problem I can not refinance my, buy a car of get my son into college. There has to be something that cane be done to this company. Credit wise they are destroying my credit and my way of life.

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 2019-12-06
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Consumer Collection Management , Inc ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company ( XXXX ). Reporting of the debt is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: FREEDOM FINANCIAL NETWORK
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Freedom Debt Relief misled me about their ability to negotiate ( or lack therof ) with certain credit card companies. On top of that, I think I am owed money where they took settlement money in advance and were recently fined for it. I can provide documentation of the dedicated account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: BMW Financial Services NA, LLC
State: NY
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:
In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. BMW Financial Services a.k.a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: TN
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 complaint with the CFPB on XX/XX/2023 and Equifax came back with a letter stating that the information submitted and what they have on file do not match. even though I sent in a Dl and light bill. This is a delayed tactic for them to delay the process. I will submit again here as to what I submitted to them. Here are the laws the company has violated.

15 USC 1681i ( a ) ( 4 ) Under the FCRA15 U.S Code 1681 ( a ) ( 4 ) I am a federally protected consumer and I have the right to privacy. Ignoring this law is in direct VIOLATION of MY PRIVACY of 15 USC 1681 and all its subsections.

15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 USC 1681i ( 6 ) ( B ) ( iii ) A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, 15 USC 1681b ( a ) ( 2 ) clearly states that Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. My ex wife and I lost our home. We never received any information about the our loan modification back in 2009. Documents were provided as requested and checks were returned for mortgage payments by the bank. After we were informed that our house was in foreclosure, it was published in the local newspaper. We didnt receive anything by phone or mail. This is the physical address of our home at that time. Please contact me with any questions at XXXX or XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Thank in advance Mrs. 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 explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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