BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX XXXX Account Number XXXX XXXX I have contacted the companies and requested that they remove the inquiries from my credit report as they were unauthorized. However, I have not received any response from them. Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report at the address provided above. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Accounts show the wrong address, phone numbers, and employment. 

Other Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Occupation 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 2023-04-01
Company: Experian Information Solutions Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the company which has reported it to all 3 credit bureaus, I was hung up on twice after they repeatedly said they couldnt even locate the account through my social security number or account number listed on the Experian website. Finally my husband called back because I was in tears and he got the same answer they could not locate the account on their end. I told them I would screenshot shot and email what I was looking at and they refused. I told them I was a victim of identity theft that was so severe that I legally had to change my name and now I will be having file for a new social security number but they didnt care they still refused to remove the debt. It is not mine obviously and the fact they couldnt even find it in their system and refused to remove it then hung up on us a third time Im at a loss. My credit has been ruined due to this person stealing my identity. Ive lost everything from my house, my job, XXXX XXXX XXXX  and I was insured through Experian who has not compensated me a dime even though their logo is that we will take care of you and your insured for a XXXX dollars. I have police reports, bank statements, XXXX accounts, XXXX accounts, the list is never ending. Now 2 cell phone bills in collections that were opened by 2 different companies 2 months apart in states Ive never lived in. Im begging for help. My credit is already ruined and continues to be ruined. This person opened docial media accounts with my maiden name, and my married name. Has previous address dated back when I was in sixth grade. She has my birthday listed as hers, my parents and children listed as hers. The police have done nothing Ive filed with the FTC already yet Ive received no help at all. XXXX is the insurance company who is supposed to pay out claims for identity theft victims for Experian yet they just ignore me even though they after a thorough investigation they found my identity to in fact to be stolen. The amount of damage and damage that is still going on is priceless. I cant even get a credit card. She dropped my credit from a XXXX to a XXXX. Please Im begging for someone to help me, Ive been XXXXXXXX XXXX XXXX XXXX XXXX XXXX  because of ongoing damage. Just today she hacked my XXXX account, shes hacked two of my email accounts Ive never been able to recover.

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 2023-04-01
Company: Experian Information Solutions Inc.
State: MI
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 have a XXXX XXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
I received a fraud alert on XXXX by XXXX asking me to contact Bank of America. I contacted Bank of America, and they said there was nothing on record. Days later I received a 'welcome to the neighborhood '' email from Bank of America XXXX Someone had opened a credit card with my old name and address. I immediately contacted Bank of America, who proceeded to give me the runaround for almost 3 months. They eventually closed the card, but took months to report it back as fraud to the credit bureau and have since sent forms and letters to all of my wrong addresses with wrong names. I put a freeze on my credit, but the way that Bank of America has handled this has been dreadful. I have had XXXX managers involved and they still couldn't get my name and address correct on their records. 
They assure me it has now been rectified, but I still have no confirmation. 
Bank of America should be ashamed of themselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: Experian Information Solutions 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 am writing to dispute inaccurate information on my credit report. As per XXXX5 USC 1681i ( 5 ), credit bureaus are required to modify or delete accounts that are not reporting accurately. However, after multiple attempts to start the investigation, Experian and XXXX have failed to remove public records listed on my credit report that can not be verified. 

I am requesting that all public records listed on my credit report be removed as soon as possible, in accordance with my rights under 15 USC 1681. Courts are not subscribed to or required by law to provide public record information to credit reporting agencies, and credit reporting agencies have a responsibility to report consumer information with the highest level of accuracy. 

I have never been late on payments for the accounts associated with the public records listed below : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD : XXXX XXXX  : XXXX XXXX Bank : XXXX XXXX CARD : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated to on-time as they should be, as I was never late. 

I am requesting that you provide me with a written response within 30 days confirming that the inaccurate information has been removed from my credit report. Additionally, I request that you provide me with a free copy of my credit report, as per my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2023-04-02
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to RoundPoint Mortgage Servicing on XXXX 2023. I signed up for autopay using my bank checking account. RoundPoint payment system was supposed to deduct ( via autopay ) my mortgage ( {$540.00} ) on XX/XX/XXXX. Instead, the computer system indicated my mortgage was due XX/XX/XXXX and the payment due XX/XX/XXXX. If this is the case, my mortgage would be late. I tried to turn off auto pay. there is no way to do so. I " scheduled '' a payment ( apparently their computer system does not automatically deduct payments ) at XXXX AM XX/XX/2023 when I realized my mortgage payment was not paid. 

There is no way to contact anyone during working hours. I have tried everything in the past. I require a human with RoundPoint computer expertise to contact me by telephone to help me navigate their online payment program. Screen shots attached ( I've learned the hard way to always take screen shots ).

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 2023-03-31
Company: Bread Financial Holdings, Inc.
State: GA
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:
On XX/XX/XXXX, I made a $ XXXX purchase on my Comenity XXXX. My plan was to pay off the balance the following month. However, I was unable to due to issues with the company 's website. I made many attempts to contacting them with no success. I even sent a letter to them informing them of my difficulties to pay off my balance. On XX/XX/XXXX, I manage to pay $ XXXX towards my balance. Since I didn't pay off the balance, {$75.00} interest was added on my balance despite their website was under update, so I was told. the company still charged me even though I asked for waiver. On XXXX, XXXX, I made a payment of $ XXXX which and additional interest of {$64.00} was added again to my balance. On XX/XX/XXXX, I contacted customer service to pay off the balance once and for all. I asked for the current balance to be paid and was told {$2100.00} I paid it off. Then a week later I checked my account and noticed I still had a balance which now increased to {$2100.00}. So, XX/XX/XXXX, I called customer service once again and was told that the payment I had made was returned, so extra fees was applied. I told them that I would pay the balance and requesting that my account be closed permanently. They agreed to comply with my request. The following month I received a statement for a balance of {$49.00} I have been trying to dispute the balance ever since and as of XX/XX/XXXX, my balance is {$300.00} of just fees which I have asked to close the account not including any purchases. I made several attempts to resolve this concern, however, Comenity made no effort to assist me. I even reached out to the CEO of the company. This issue has affected my credit score and wants it resolve. Please help me for I'm running out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: GOLDMAN SACHS BANK USA
State: NY
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:
XX/XX/ two cards {$16000.00} {$430.00} and {$5000.00} Next morning tried to return items from previous evening after checking on company was a scam Merchant would not accept them claimed no refunds Merchant sent more items to my home across the country Disputed transaction with company then credit card company Now I pay my charges but not scam charges. Interest mounting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company is reporting late payments when they dont have to authorization to report for my credit. Breaking my Fair credit reporting act laws. I do not and have not given consent or authorization to report any payments to my credit report. I am protected by The Dodd-Frank Act as-well. I need these 30 day and 60 day late remarks deleted from my credit as they do not have my consent to report this.. 15 U.S. Code 1681a

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 2023-04-01
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have asked Rocket mortgage numerous times since XXXX of 2020 to update a legal name change. They have refused. Rocket Mortgage was very rude and used very XXXX language while trying to gaslight me into believing they have no obligation to follow federal law and update their system to reflect a legal name change

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX Remove Unauthorized Hard Inquiries. 

Dear : EXPERIAN I am writing to dispute the hard inquiries that were made on my credit report without my permission. These inquiries were made without my knowledge or consent, and I believe that they were done in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, which governs the permissible purposes of consumer reports. 
I would like to request that you remove these hard inquiries from my credit report as soon as possible, as they are negatively impacting my credit score and making it difficult for me to obtain credit and loans. 
XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX According to the FCRA, consumer reports may only be used for certain permissible purposes, such as in connection with a credit application, employment screening, or insurance underwriting. However, I never gave permission for my credit report to be published for any of these purposes, nor did I extend credit to anyone who would require such a report. 
Therefore, I believe that these hard inquiries were made without my permissible purposes and should be removed from my credit report immediately. I would appreciate your prompt attention to this matter and would like to request that you provide me with written confirmation of the removal of these inquiries from my credit report. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CITIBANK, N.A.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a problem with citi bank they kept telling me stuff that wasnt true and added more money to my account then there should have been on my citi bank credit card. They handled the situation very poorly. Im autistic and that just needs to be handl better I kept asking about my account why is it higher than usual I havent used the account and now I owe them XXXX in debt with my bank but Im very upset how they handled the situation. The account was at the limit at XXXX and after that there were things adding on to it and it should have stopped it just kept adding on money my account and for some reason it hit XXXX and I was upset called customer service and they couldnt help me with the issue and Im passed Im still paying on this since last XXXX it just needs to not go over the limit for some reason money kept adding on the credit card and I wasnt too happy and made me upset I have a XXXX XXXX called XXXX and they just something u cant upset and I was upset with citi bank on how they treated me wasnt happy at all.

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 2023-04-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief