BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: AL
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 sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$160.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} 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 explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NJ
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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i lost XXXX dollars total bank America let someone change my account info on line and put XXXX XXXX and gift cards on my account..i was getting XXXX dog at that time I have XXXX XXXX a XXXX XXXX i got notice on email. i called and said no they apologized and didi it any way. my email was changed and i had no idea so i could not get online and see what was going on my phone got hacked could not get text messages still is that has been for going on 4 years fbi DA state representatives At the time mayor XXXX and and local and state police did and continue to do notiing i get death threats been through 2 XXXX XXXX 9 XXXX  have 2 XXXX that firmware was eaten and have a forensic computer company that still trying to help me. this started on XX/XX/2019 till today been through 101 emails addresses 10 credit cards. my tv is hacked and my car. they steal my mail. i actually XXXX XXXX had a XXXX had no phone for help was found two days later on the floor my XXXX XXXX XXXX  in hospital 2 months.

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 2021-03-30
Company: Borenstein & Associates, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My complaint is with Borenstein & Associates , LLC Mr. XXXX Borenstein # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone # is XXXX Mr. XXXX Borenstein brought a falsified document into court claiming I had been legally served papers by his company back on XX/XX/XXXX of XXXX. Unfortunately They delivered the papers to some stranger at a job I used to work at over a year ago. Without properly confirming I had received the notice to appear Mr. XXXX Borenstein proceeded as planned with his corrupt practices. 
Mr. Borenstein is in direct violation of the FDCPA ( Fair debt Collection Practices Act ) Section 15 USCS 1692e : False or Misleading Representations ( 5 ) The threat to take any action that can not legally be taken. ( I was never served any papers. Mr. Borenstein just dropped papers off to some stranger at a job I have not worked at for over a year. Per Colorado Law and this code, I was never legally served, and he can not threaten to garnish any wages of mine which he is. ) ( 10 ) The use of any false representations or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( Mr. Borenstein used Deceptive Practices when not legally serving me papers prior to court and lying to a judge so he can fast track this case to illegally take advantage of me. ) ( 11 ) The failure to disclose in the initial written communication with the consumer. ( The first communication I received from Mr. XXXX Borenstein 's company was a threat from him to garnish my wages received on XX/XX/XXXX. ) This is just what I was able to find in the first 10min of researching this topic and how I can handle this situation. If Mr. XXXX Borenstein would like to proceed with this the legal way he should come serve me papers the legal way and I would be more than happy to participate in his investigation. But until then this is harassment and an illegal attempt to sue me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XX/XX/2021

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 2021-09-16
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Paid off my vehicle in XXXX. Credit Report is showing incorrect information. Says its past due and I still owe from 3 months ago. I have paperwork from ally saying congratulations for paying off your loan. 

I would like this whole trade line deleted from all credit reports, for damaging my credit as well as my wifes.

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 2020-06-12
Company: Resurgent Capital Services L.P.
State: IL
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:
We filed a CFPB Complaint # XXXX against XXXX XXXX for Account XXXX in regards to the reporting of inaccurate information concerning : a ) an outstanding balance and b ) account reporting as charge off account. A payment was made to the original creditor XXXX before merging with XXXX XXXX. Some how that last payment has vanished and now XXXX is stating that they transferred the account to Resurgent Capital Services, LP. The problem with that is my credit report only shows XXXX as the company that has reported or reporting on this account. XXXX XXXX seems to have made no effort to investigate before responding to the CFPB Complaint which is discouraging. The payment was made while the XXXX merger so its on XXXX to fix this issue that is harming my credit scores with inaccurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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 explanation
Consumer complaint received 2022-12-22
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$9100.00} ; XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I requested a loan modification from XXXX XXXX XXXXXXXX. 

In XX/XX/XXXX, XXXX XXXX XXXXXXXX confirmed my loan was being reviewed for loan modification and they received all the documentation required and would make a decision within 30 days. 

In XX/XX/XXXX before my loan was transferred to Carrington Mortgage, I confirmed what the process would be in regards to my loan modification. I was told that the process would continue with the new lender. They would pick up the process where XXXX XXXX XXXXXXXX left off and I would not have to do anything. 

On XX/XX/XXXX, my loan transferred to Carrington Mortgage. 

In XX/XX/XXXX, I called Carrington Mortgage to check the status of my account and loan modification. I was told that I has to wait 60 days and I would be contacted. I was told that Carrington Mortgage has to wait for XXXX XXXX XXXXXXXX to send them my documents. 

In XX/XX/XXXX, after the 60 days I contacted XXXX XXXX check the status of my loan modification and have been giving the run around ever since. I have spoken with several managers and customer service representatives. 

They are refusing to process my request for loan modification and have now sent my loan to foreclosure. 

I have informed Carrington Mortgage that they are in violation of mortgage regulations that govern how transferred loans that are in the process of a loan modification are suppose to be handled. 

It is now XX/XX/XXXX, and Carrington Mortgage has been increasingly difficult to deal with. Representatives hang up in my face and promise to call back and never do. 

I have spoken with XXXX ( supervisor ), XXXX XXXX, XXXX ( XXXX 's XXXX ) XXXX XXXX, XXXX ( another manager ) XXXX, XXXX, and a host of other regular customer service representatives to no avail. 

This company is aware that they are in violation of the law and they have refused to correct the violation and process my request for modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. 
This account was opened on XX/XX/XXXX and closed on 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 2023-08-17
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:
My personal information was compromised in XX/XX/2022. My information is on the dark web. My information has been breached by several companies including XXXX, and XXXX XXXX XXXX, XXXX. Since then the individual with my information has opened several accounts in my name. They had a utility account in Arizona, a townhouse in my name in Arizona, and renters insurance. The most recent account that has shown up on my credit report is with XXXX XXXXXXXX, at home address XXXX XXXX XXXX XXXX XXXX NV. They opened the account in XXXX. 
They have also tried to get furniture in my name. I check my soft inquiries and see that they are still actively attempting to use my credit file. 

I have contacted EXPERIAN and they will not suppress the fraudulent information within 4 business days per 15-US Code 1681c-2 The Experian upload system is difficult to use and will not allow me to upload documents. I have sent them these documents several times and I do not have a vehicle to get to the post office. EXPERIAN creates multiple hurdles for victims of identity theft which makes it very emotionally stressful and difficult to remove fraudulent information from my credit report. This is impacting my ability to purchase a home for my family.

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: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX is not reporting to experian or 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My consumer right has been violated according to 15 US code 1681 .... inaccurate informatiom is listed on my report which should be deleted 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 2022-03-10
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt collector sue me because i owe discover bank an amount of XXXX $ and they send me a citaion on XX/XX/2022 with amount of XXXX $ and i called then to discus the payment options, i told that i can make a monthly payment of XXXX $ monthly and they refused that amount even if i said that all what i can afford because i have another bills i need to pay too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CITI IS NEGLIGENT AND NON-COMPLIANT WITH EVERYONES PII!!!!! 

Citi has misused my and another XXXX XXXX 's PII. I have been trying to obtain proof that Citi verified information and they have failed time and time again to provide proof. They have NEVER verified any PII with me and have failed to prove the account was opened by a human. The company they sold my information to has changed the name of their company on several occasions. They also changed the address on my credit report without consent or knowledge. Both Citi and XXXX XXXX XXXX have done nothing but, engage in psychological warfare. I had someone harass me at my home telling me to answer the door because they could hear me walking around. HARASSMENT!!! I have tried on multiple occasions to resolve the matter on my own with Citi and they continually blow me off. I have asked for physical proof that they verified any information on the account and they have pretty much told me to take their word for it. It violates the FDCPA. I have consulted an attorney on this and will be pursuing legal action. I have never lived in Wisconsin ( where XXXX XXXX lives XXXX nor have I ever lived in New Jersey but XXXX Citi and their scam collection agency want to say so without any proof. 

I have tried reaching out to XXXX XXXX and was blocked when I brought the breach to his attention. Not exactly a stand-up kind of guy but, it goes along with how Citi has acted since the identity theft was brought to their attention almost a year ago. 

The other more troubling issue I have with Citi is their failure in compliance. I have complained about the account they claim as mine is identity theft. Citi can't even manage PII properly because someone at their company sent me an email regarding a deceased customer of theirs. The funniest part is XXXX XXXX 's daughter 's name is XXXX XXXX but, she lives in Wisconsin.

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