BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-31
Company: Reliable Credit Association, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX of 2020, I was informed by a family member that a variety of individuals were calling a medical alert number, some starting at XXXX XXXX and leaving voice messages. Theses calls happened daily for the majority of XXXX of 2020. 

XX/XX/2020, my sister sent me an audio message with a woman threatening to take me to court and contacting my employer if I didn't contact the '' filing agency ''. If I didn't do so, she was going to take it as a direct refusal of giving my signature and court would go on without me with the filing agency. 

This woman identified her self as XXXX XXXX. I believe she is associated with " XXXX XXXX '' or Reliable Credit. The other name she left on a third party phone was my former wife 's mother. 

I attempted to fix this issue with the company 6 years ago. They were unwilling to work with me. I have heard nothing from them for over 6 years. 

XXXX of 2020, I received a notification from the Attorney General. It informed me of a multi state lawsuit against XXXX for predatory lending practices and my name was on the list for a loan by XXXX and to expect a settlement from the suit. This institution was used by the parties mentioned. 

I believe they are now attempting to " park ) their debt! 

My sister has called the number from which the calls were made. When the call was answered, the person on the other end would not say anything, and then hang up the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against XXXX located in XXXX XXXX ; EXPERIAN located in XXXX XXXX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2021-01-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX, writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2021-01-03
Company: Experian Information Solutions Inc.
State: MD
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:
I sent a dispute to experian in XXXX about an account that is charged off but still is reporting late payments on my account. I sent a dispute challenging the account all together because I have no knowledge of the account. I have yet to hear anything and its been over 30 days

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 2021-01-02
Company: Experian Information Solutions Inc.
State: MI
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-08-26
Company: CITIBANK, N.A.
State: PA
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:
The XXXX  Credit Bureau is reporting inaccurate information on CITI ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.

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 2018-09-21
Company: EQUIFAX, INC.
State: SC
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:
Equifax has failed to investigate my ID Theft case within the four business days per the FCRA. I have sent there all the necessary  reports and documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the XX/XX/XXXXData Breach and may have got into the hand 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 explanation
Consumer complaint received 2021-09-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As recorded in the XXXX XXXX Florida on XX/XX/XXXX, Page XXXX, XXXX XXXX, I received an Assignment of Mortgage stating that XXXX had assigned my mortgage over to " XXXX XXXX XXXX XXXX XXXX XXXX '' ( See attachmemt ). 

There is a company by the name of " Carrington Mortgage '' that has been placing information on my 3 credit reports ( XXXX, XXXX and XXXX ) and stated the account was opened with them on XX/XX/XXXX. ( I'VE NEVER HAD A MORTGAGE WITH CARRINGTON MORTGAGE NOR WAS I EVER OFFICIALLY NOTIFIED ) that " Carrington Mortgage '' was assigned to or servicing my mortgage. My original mortgage was with XXXX and as the attached document states it was then " Assigned to XXXX XXXX XXXX XXXX XXXX XXXX '' ( see attachment ) Per XXXX XXXX FL XXXX records back on XX/XX/XXXX XXXX XXXX, Page XXXX there is a recording of my " Home Affordable Modification Agreement '' that we completed with " XXXX XXXX XXXX XXXX '' ( see attached ). NOT AT ANY TIME HAVE I EVER RECEIVED ANY OFFICIAL OR UNOFFICIAL NOTICE FROM XXXX XXXX XXXX THAT MY MORTGAGE WAS ASSIGNED TO OR BEING SERVICED BY " CARRINGTON MORTGAGE ''. Dealing with this " Home Affordable Modification '' was a rip off all by itself which is a seperate issue. Under this program, our original mortgage was only $ XXXX and when they finished, we had a new loan of approx XXXX. ( see attached documents ). 

CARRINGTON MORTGAGE IS STILL REPORTING ON MY CREDIT TODAY AND MY HOME IS SOLD AND WAS SOLD XX/XX/XXXX AND THE SATISFICATION AND RELEASE OF MORTGAGE WAS RECORDED IN THE XXXX XXXX FL RECORDS ON XX/XX/XXXX, PAGE XXXX, XXXX XXXX ( SEE ATTACHED ). 

FROM THE YEAR XXXX UNTIL XXXX " CARRINGTON MORTGAGE '' HAS REPORTED INACCURATE LATE PAYMENTS ON MY CREDIT REPORTS AND THEY charged me XXXX for each online mortgage payment and {$10.00} to {$20.00} for payments made by phone. These pay-to-pay fees are a violation for both consumers mortgage agreements and Florida debt collection law XXXX Carrington marks up the processing fees charged to borrowers for online and phone payments in direct violation of their mortgage agreements. The case goes on to claim that as a Federal Housing Association-approved mortgage servicer, Carrington agreed to charge borrowers only fees permitted by the Secretary of Housing and Urban Development XXXX Per the lawsuit, pay-to-pay fees are not included in HUDs exhaustive list of authorized servicing fees and charges. Moreover, HUD specifically prohibits mortgage servicers from charging borrowers for costs of telephone calls, telegrams, personal visits with the Borrower, certified mail, or other activities that are normally considered a part of a prudent Mortgagees servicing activity, the suit continues. 
The lawsuit alleges violations of Floridas Consumer Collection Practices Act and Deceptive and Unfair Trade Practices Act, as well as breach of contract and unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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:
XX/XX/XXXX Equifax removed XXXX XXXX # XXXX from my credit report due to a dispute I filed proving I am not the owner of this account. This account belongs to someone with a totally different middle and last name. I provided sufficient identicication proof that the XXXX XXXX account is a mistake due to credit file merging. 

on XX/XX/XXXX XXXX XXXX # XXXX was added back to my Equifax credit report along with the name of the owner of the account in question. 

Proof of Equifax Dispute and Police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : $ XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00}

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 non-monetary relief
Consumer complaint received 2019-04-06
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This card thru Barclays was opened sometime in 2014 and was the result of identity theft.the individual who did it opened it on Colorado or wyoming  where I do not live or ever lived.provoded them with proof I didn't live in cities or state card was opened and proof of residency etc.they have illegallyi kept this debt on my XXXX credit report .my ss # ends in 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 2023-11-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently ran an Experian credit report. Experian reported that XXXX ran a soft credit check on XX/XX/XXXX. XXXX insists they have not run my credit since XXXX and have no idea why Experian is reporting that XXXX ran my credit. Please explain.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2020 at approximately XXXXXXXX XXXX I contacted Equifax to inquire about a 5 point drop in my credit score. The reason for the drop was due to a " missed payment being removed '' a missed payment from XXXX XXXX XXXX  being removed from my account that occurred almost five years ago. As a standing practice, any negative items being removed from a consumer account is a positive change not a negative change. Yet Equifax used this as a negative impact on my credit score and my score was subsequently dropped 5 points. In addition, when I contacted Equifax about this negative change on my credit score ( which they caused ) the representative stated that I would have to pay Equifax {$10.00} to review my account. This appeared to be an unethical business practice. They purposely reduced my credit score when the removal of a late payment should have either raised my score or kept it the same. It seems that they were hoping I as a consumer would call about a fictitious incident they purposely caused just to charge me to fix or dispute it. They would then fix their premeditated mistake while banking the {$10.00}. This sounds like something out of the XXXX XXXX playbook that is now being implemented by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2023-09-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 XXXX XXXX XXXX  This information is incorrect and does not belong to me, I do not want it in my report. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have been calling for 6 months straight to Bank of America in search of help from them in resolving a $ XXXX fraudulent charges they did an investigation and sent me a letter stating they suspect fraud and denied my claim.Ive been calling everyday for months to be put on hold for 2 hours then hung up on every single time and when i tell the next worker day after day it dont matter they dont care and they just say there is n it hung they can due that u have to talk to claims. Instead of helping my they have made tho uninstall so much worse by freezing my account instead of putting the money back. I would like my money back and they should be shut down they also fraudulently took my house by guiding me into a foreclosure so they could take my house which they did. I would never had went back on my payment I was never behind but they recommended it to qualify for making to ur home affordable plan and they denied me and sold my house auction day in day 90 of being behind. I lost everything over that plus my {$30000.00} I just put into remodeling my home and now the tenants I rented to pay the new owner faithfully every month for years on time so Im missing the income I once had because of them and their dirty methods and tricks

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2021-01-03
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On or around XX/XX/2021, I received an unsolicited usbankreliacard debit card. Looking online, it appears it is unemployement compensation. I tried calling the number on the card, but they do not answer. I submitted a fraud form to the bank via email ; however I am concerned the bank will not notify the state ( unidentified ) that is paying out the unemployment claims. 

As a taxpayer, this kind of fraud is disgusting. I want you to know how easy it is to scam state governments! Please help the USA and its taxpayers from this 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