BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX - I am submitting this complaint against XXXX XXXX XXXX XXXX. The account mentioned, has already been deleted from my credit report but it has re-appeared with the same account number, & is reporting negative. The employees I spoke with as far as I can remember were XXXX XXXX XXXX & XXXX XXXX in XXXX XXXX location, they were introduced as representative rather than a salesperson. I have never used this timeshare, but they told us we were making good financial investment, because the resale value would go up, that it was a mortgage that value would go up & we can actually make money from it by renting it out thus earning us rental income. That we can charge friends or family to use the timeshare. They promised things would be positively different each time things got worse. They also said it has some tax benefits similar to owning a 2nd home. They took our ID/personal information. They offered gifts like discounts on tickets, also XXXX offered us XXXX XXXX tickets because his son works there. They told us they needed " corporate '' approval in order to give us the price being offered like I'm being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price because the offer was not going to be available after that. They didn't even allow us to read and fully understand the contract. I've made phone calls to request for cancellation but obviously it was not cancelled. We've had financial difficulties due to this timeshare, it became harder for us to pay our rent, bills, expenses for food & things for the family. We are stuck financially, a lot of stress in the home because we had to stop doing things we like just so we can pay them. We even lose sleep over the stress caused by this timeshare. It's really difficult because husband is the only one that works & had to miss holidays because of the payment. This timeshare has been very stressful for him. And to make it worse, they're constantly calling us for payments everyday like 2-3 times in a day. We've had the worst experience with this timeshare, the lie about us having exclusivity, the lie about making & saving money. We lost the entire day on this process & have lost so much money in something that we can't even use, we don't have time for vacation, because we need to work & earn money to pay them. We were taken advantage of, defrauded and lied to.

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 2017-05-08
Company: Experian Information Solutions Inc.
State: OH
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:
There is a fraudulent charge of {$3100.00} from  XXXX   XXXX  on my credit reports. The account was opened  on  X/2015    a nd close d  X/2015   .    I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to al l 3  credit a  gencies.
I am a   XXXX   XXXX   who was subject to the  XXXX  i  nformation theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  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 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/700 I received emails from Bank of America stating that an account was attempting to be opened in my email address. I contact BoA and they stated that it was not successful but still advised that I should put fraud alerts everywhere so that I'm covered. I have added alerts to my credit reports and banks.

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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reached out to you all on XX/XX/21 about several accounts on my credit that is not mine. I received some letters from the accounts on their and they said that the accounts are verified whatever that means. Can you all please help me with getting these accounts off my credit. Im not getting anywhere with them. Im attached the FTC complaint I made.

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 2022-11-09
Company: WELLS FARGO & COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX dollar around. 
I filed the claim to the my bank well fargo. I thought it will be resolved easily. I purchased something from the personal seller. It was a broken and dirty item. After I received it, I got sick because of its weird smell. And my floor had a lot of tiny Black bugs insects. I had to visit the doctor after that. The doctor said that I probably got affected by bad air or gas. The only thing I have touched with is that item. 

I filled the claim to the well fargo claim center. They never asked me any information. I have all pics and proof. Nobody contacted me. They just closed my case without a reason.

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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/2019 I sent a certificate letter to Transunion ( XXXX ) regarding that is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX XXXX XXXX. I have contacted this company at the address listed on my credit report here. As you can see .I have enclosed a photocopy of my mail being returned from the post office due to an invalid address .Given that the furnisher has provided false information to Transunion about me .and provided to Transunion false address .Despite the proof that I sent to Trasnunion did not want to delete the account that is wrongly reported.

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 2021-08-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been speaking with one of my mortgage company representatives and shes basically just giving me the runaround concerning my amortization schedule I have been clearly righting to her concerning my amortization schedule but the representative is giving me all these mixup emails concerning something opposite of what I am directly writing to her about this matter at hand Is concerning me deeply that a mortgage company will have Representatives to act in a manner that they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 recently submitted a request for investigation which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of 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 2022-04-14
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: OH
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:
I was offered a short term loan via email communication. 
I've dealt with them before, so took the loan. The monthly repayment was {$100.00}. My first payment was due in XXXX, which I made a double payment prior to the due date and was given a new due date of XX/XX/XXXX for my next payment. In between the time the double payment was made in XXXX and before XXXX, they reported me delinquent to the credit bureau. I immediately attempted to contact them by phone, but you are NEVER able to connect to a live person, they tell you to email or send a response thru their website. I tried multiple times and each prompt disconnects you and doesn't allow you to speak with a person. I emailed them 3 times : XX/XX/XXXX by email, XX/XX/XXXX on their website and again on XXXX as I have received no response to any communication I made with them. Additionally, I emailed to rescind my authorization for any automatic deductions for payment from my checking account, To date, not one response to any email or communication from them. I also disputed this with the credit bureau, but they continue to clear my dispute and list me as delinquent. I should not have been reported delinquent as per my online account, it stated my next payment date was XX/XX/XXXX - I assumed since I made a double payment at the end of XXXX, that was a true next due date. 
This company will not return a call to me, respond to my email requests to discuss, absolutely no response. I need assistance in getting this resolved.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing to dispute all inaccuracies on my credit report with Transunion.

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my credit file as soon as possible. 

XXXX  XXXX {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account for its misleading report, It is not authorized to fail to validate this reporting account as unverified information without providing any proof. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$1600.00} This complaint is a follow-up in line with my previous complaint dated XX/XX/2023 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX  XXXX XXXX {$990.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1500.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: AR
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 called XXXX XXXX to get tv service. While I was trying to set things up. I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found a unknown account that does not belong to me except the XXXX XXXX   account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent account off my 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 2022-03-31
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2018, someone used my personal information and opened up two accounts with Regions Bank, one checking account and one credit card. I resolved this with Regions Bank at the time and have a letter from them confirming that I do not owe them anything and the accounts were found to be fraudulent. Now, a year later, I am getting calls from a collections agency called XXXX XXXX saying I owe them for an unpaid debt from Regions. I have tried to resolve this with the collections agency by letting them know this was already taken care of with Regions, but they said I need to deal with Regions to get the account closed. When I called Regions Bank, they transferred me to several different departments before finally saying this could only be resolved with the collections agency. I attempted to contact the collections agency again, and I can not get through to a representative. I am getting the runaround from these two companies, making it impossible to resolve a situation I believed was resolved a year ago.

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 2022-03-12
Company: Fig Tech Inc.
State: OH
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:
I was offered a short term loan via email communication. 
I've dealt with them before, so took the loan. The monthly repayment was {$100.00}. My first payment was due in XXXX, which I made a double payment prior to the due date and was given a new due date of XX/XX/XXXX for my next payment. In between the time the double payment was made in XXXX and before XXXX, they reported me delinquent to the credit bureau. I immediately attempted to contact them by phone, but you are NEVER able to connect to a live person, they tell you to email or send a response thru their website. I tried multiple times and each prompt disconnects you and doesn't allow you to speak with a person. I emailed them 3 times : XX/XX/XXXX by email, XX/XX/XXXX on their website and again on XXXX as I have received no response to any communication I made with them. Additionally, I emailed to rescind my authorization for any automatic deductions for payment from my checking account, To date, not one response to any email or communication from them. I also disputed this with the credit bureau, but they continue to clear my dispute and list me as delinquent. I should not have been reported delinquent as per my online account, it stated my next payment date was XX/XX/XXXX - I assumed since I made a double payment at the end of XXXX, that was a true next due date. 
This company will not return a call to me, respond to my email requests to discuss, absolutely no response. I need assistance in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am writing to you because you are reporting collections on my credit report that I do not recall. Please see items listed below : XXXX {$590.00} CXXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX {$200.00} Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 


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