BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is discriminating against my credit report! Equifax REPORT my credit card account that was PAID IN FULL. I want a American Supervisor at Equifax to look into this! XXXX XXXX  XXXX ACCT XXXX NOT REPORTING ON MY CREDIT REPORT. This is very simple report my paid off credit card on my report ASAP! Your company has defamed my reputation and is not following the law. I have sent numerous letters costing me money only to be ignored by your company because Equifax is having other countries handle Americans credit report! FIX THE ERRORS The State of the FDCPA in XXXX As we move into XXXX, the law remains a strong protection for consumers, however, at over 40 years since inception, it is showing its age. For example, the fine for violations remains the same {$1000.00} it was in XXXX. Had that amount kept up with the rate of inflation, the fine should now be over {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-01
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my repoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 XXXX Account # XXXX ( XXXX ) has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-01
Company: M&T BANK CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My mortgage was assumed by M & T Bank. I went from paying about {$560.00} with my previous mortgage company or so to over {$1000.00}. When asked why the increase I was told that my escrow balance was in the negative. I paid what I was supposed to pay. I lost my job and asked about modifying my escrow payments until I was able to find employment. I also asked for any programs that they provided to help. I was told I could not get help until I was late. Of course, I end up paying late due to no job and their advice. Then I'm told I'm not behind enough to get help. So now I'm trying to catch up. Well I go to make a payment and I'm locked out of my account. I try to call I can't get anyone on the phone. When I was able to get someone on the phone 2 days later this posted as another late payment to my credit. For the past 4 months I've called and asked them to not lock my account so that I can make payments as necessary. I work the same hours as them an need flexibility in making my payments. I spoke to someone about help ( now that I'm almost 3 months behind ) and they are supposed to send something. Then i was told i had to make XXXX payments instead of the XXXX that i was able to make. I still haven't received it. The principal on my mortgage is {$160.00} and my mortgage payments are about {$1000.00} ( or so ). Why is {$650.00} going to escrow?!! {$200.00} is going to interest. I'm paying more in both interest and escrow then is even going to my mortgage. Especially without notification or explanation that was going to be a change. I feel as though they were giving me bad advice and increasing my rates to make me loose my home. I got approved off of a job making $ XXXX. They were not willing to even set up a plan to pay off any negative escrow balances ( to was due to no fault of my own. ). To block me from making payments so that I can get caught up and to not even offer XXXX service for those with alternate schedules if online is not available. My credit has gone from the mid XXXX 's to the XXXX 's all from following the advice from a company that is supposed to be helping companies not setting them up for foreclosure and financial ruin. This is sad!

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 2023-03-15
Company: CCF Intermediate Holdings LLC
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: Account information incorrect

Complaint:
Good morning, My name is XXXX XXXX I wanted to report this company they are not reporting correctly to all 3 bureaus and are hurting my score. My act number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Medical Data Systems, 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:
ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF MEDICAL SERVICES 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " MEDICAL DATA SYSTEMS, INC

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 2022-05-15
Company: Experian Information Solutions Inc.
State: GA
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 and XXXX Account # listed below has violated my rights. 
Hard inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  never late reported incorrectly XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2- IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I requested TransUnion to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by XXXX. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, TransUnion again informed me the information was confirmed by XXXX. My information was suppressed from XXXX XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested TransUnion to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX XXXX is the bank with permission to pull my credit.

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 2023-06-22
Company: Experian Information Solutions 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-06-01
Company: Zions Debt Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I talked to XXXX  XXXX when I was moving from my apartment in Nebraska and had the alarm system turned off and returned. I also closed the account as well with the company and the police department who also monitored the alarm system. 

The debt with the company was disputed with all 3 credit bureaus upon receiving it about 2 & 1/2 years ago and was removed from my credit report. The account was closed in XXXX, XXXX  in XXXX, and the equipment returned. The collection stated the account was opened in XX/XX/XXXX which is fraud and incorrect. I have not had an alarm system in over 9 years, and have not lived in XXXX, XXXX since XXXX It appears the company keeps passing the bill to different companies and then they don't contact me but put it back on my credit report. When I pulled my credit report in XXXX and again in XX/XX/XXXX this collection was not on there. The company XXXX XXXX has sent this bill to two companies as well that stated I opened up an account with them in XXXX which I have not. This current one states the account was opened XX/XX/XXXX and it was not, which is fraud. the account XXXX as closed in XXXX. The current company name is Zions Debt Holdings which I have not received any notice from at all regarding rehashing the collection bill. There was anotheer company who hasd this same collection bill and was removed after much persistence. Now other companies checked my report XX/XX/XXXX : XXXX, & XXXX. Another company XXXX XXXX XXXX XXXX XXXX opened up an account in XX/XX/XXXX in my name for XXXX which was not my account as well. I keep having to dispute these charges on my account lately which I submitted to XXXX again but they have not taken it off my credit report. They sent an email stating they received the dispute information was accurate but left the charges on. This happened the last time as well, and I keep having to fight to get these things taken off of my credit account. 

I don't have an alarm system by XXXX XXXX and it should be taken off of my account for good. This keeps popping up even after being taken off before, and is really causing me some problems on my credit report. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 explanation
Consumer complaint received 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 have XXXX hard inquiries that were all unauthorized. 

Bank of America XXXX : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Inquiry : 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 2023-06-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XX/XX/ applied for disaster assistance forebearance and was approved for damages to my home for XXXX XXXX. Was approved via telephone. was told I would not have to make any mortgage payments for 3 months in forebearance. 

XXXX XXXX XXXX  received notice of breach of contract, wrote a letter requesting documentation on the disaster assistance program. They stated it was cancelled without notification. 

XXXX XXXX XXXX  applied the XXXX and XXXX payments via telephone. 

XXXX  received notice of being late on payments, spoke to customer service, was advised of money being suspense and not being applied to payments. Refusing to reverse any fees associated with account, spoke to supervisor XXXX. Still unresolved. 

This is predatory lending and is a bait and switch by Carrington products to place homeowners in a foreclosure. 

QUALIFICATION FOR ASSISTANCE Carrington customers who have been forced to evacuate their personal residence, or whose homes have been damaged or destroyed as a result of a federally-declared, major natural disaster, can contact us at XXXX, Monday Friday, XXXX XXXX XXXX XXXX to determine if they qualify for any of the following payment relief and other customer accommodations : Waiver of assessments of penalties or late fees Payment deferments Forbearance or repayment plans Suspension of credit reporting to reporting agencies while on a forbearance or repayment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it alsostates that consumer reporting agencies can not furnish a without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me Cooling and Winter LLC,  XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... 

https : //www.consumerfinance.govXXXX they are notorious for these abuses.You all know already. 


the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too? 
I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.

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