BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to the credit bureaus and XXXX XXXX regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've been caught in the relentless grip of Blackwell Recovery, a company that seems to have forgotten the essence of communication and fair play. 

I've written to them, not once, not twice, but multiple times, each letter echoing the same urgent request : validate the debt. Yet, all I've received is silence. A deafening silence that reeks of negligence and disregard for fundamental consumer rights. 

They haven't just ignored my requests and missed their window to validate the debt. By law, they must return my debt to the original creditor. Instead, they continue to hold onto my debt as if it's a trophy of their indifference. 

This isn't just about money ; it's about principle. It's about standing up against arrogance and apathy. Their actions are profound, not just on my finances but on my peace of mind. 

I implore you, Consumer Financial Protection Bureau, to intervene. To step in where Blackwell Recovery has stepped out. To bring justice where there is only injustice. To remind them that the rights of consumers are not just words on paper but living, breathing principles that deserve respect and adherence. 

I demand action. I demand justice. I urge the return of my debt to the original creditor. This is not a request ; it's a necessity. 

Thank you for your immediate attention to this matter. I trust that you will uphold consumer protection principles and take swift action against this flagrant disregard for my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX  XXXX XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account Capital XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account BRCLYSBANKDE XX/XX/XXXX No Respond I Have No Account

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 2023-08-21
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
The account was closed on or about XX/XX/23. I received a statement for XXXX charging me {$10.00} for a low balance.

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 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking my credit score and found out that Bank of America had charged my credit with a credit card that I have never used or open which I would imagine its due to identity theft.

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 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2021-08-13
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX bank has 3 credit cards in my name and all 3 of them have been placed as an abstract judgement on my property as liens, I have told XXXX XXXX that i did not take out any credit cards with them and they have removed the debt off of my credit report i had no idea there was an abstract lien on my property for all 3 of those i never received any paperwork or summons or anything so i did not know they were there, I am selling the property and i am supposed to close on the house on XX/XX/21, I called their firm Glasser and Glasser and they are giving me the run around to get this lien released, i can not wait 30 days as I close on my property on XX/XX/21, every supervisor and rep is giving me a hard time, nobody calls you back when they say they will, I told them I was contacting the CFPB they didn't care I need this resolved ASAP my social so they can locate me is XXXX the address this is on is XXXX XXXX XXXX XXXX Va XXXX my number is XXXX I need someone to contact me ASAP to clear this matter up as Glasser and Glasser will not answer me nor help me please help execute this issue. Glasser and Glasser put abstract judgements on my property and these credit card accounts are not mine, I contacted Glasser and Glasser and they are giving me the run around. I discussed the urgency with them and they just disregarded my situation and urgency and this issue has to get resolved, specially since none of these credit cards belong to me its identity theft and i don't even know how they were able to get abstract judgements on my property either, I need this matter urgently taken care of and i need a response ASAP, i will make this issue go viral if i need to to get the help that i need please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: GA
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:
I filed a complaint against all 3 of the reporting agencies last month XX/XX/, in reference to improper credit reporting and unlawful reporting as well as multiple violations committed by sub reporting agency XXXX XXXX. 
My information was disputed and confirmed inaccurate by XXXX, however, the other major agencies, ( XXXX, equifax XXXX XXXX ) have reported information on me without pemissible purpose XXXX5 USC 1681 B ( a ) ( 2 ) and Right to privacy 15 USC 1681 ( a ) ( 4 ), and finally 15 USC ( a ) ( d ) ( 2 ), Exclusions pertaining to consumer report law, in reference to reporting late payments within transactions. 
These agencies have violated my rights and violated the law! 
As the overseer of these reporting agencies, I am requesting that these violations be removed from my bureaus effective immediately, and my scores returned to their proper levels, ALL OVER 800+ Thank You XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
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:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed 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 Commission 's 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 2024-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I previously filed a complaint here with you. It was # XXXX. My account was fixed for 2 days and once again I can't access any of my credit information. So once again : For several years I have repeatedly tried to access my Transunion report online, to dispute, freeze credit etc. They won't fix the problem and I can't access any of my information. No one will help me. I have repeatedly, called, chatted etc. Initially I was told it was because they were using XXXX ( nickname ) instead of my full name XXXX. I sent in all the proper documentation and my report has been updated but I still can't access any of my information. I have a Transunion account online and every time i try to access anything it tells me Sorry we can not complete your request online. No one will fix the problem and this has been going on for 2 plus years. We are in the process of shopping for a house and I freeze/unfreeze my credit reports often. I need access to my account and MY information! Please get someone to actually fix this!

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 2022-05-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancies : XXXX XXXX XXXX XXXX XXXX/ {$82.00} / XX/XX/2022 XXXX XXXX XXXX/ {$1300.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Closing complaints without having addressed the problem is absurd but par for the course when it comes to the fraudulent criminal company

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 2024-01-14
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ ABILITY RECOVERY SERVICE put a collection on my credit report saying i owe a debt of XXXX which i do not owe. The original creditor XXXX XXXX XXXX XXXX, I do not owe any debt them at all. What i would like is the purchase agreement.

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 2023-08-22
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I keep receiving letters from Rocket Mortgage that my insurance which I pay on my own ( no escrow ) was lapsed from XX/XX/XXXX to XX/XX/XXXX. 

That is wrong and invalid. 

I am insured through XXXX XXXX company from XX/XX/XXXX through XX/XX/XXXX. I make quarterly payments. The last quarter payment was due of XX/XX/XXXX but I inadvertently delayed the payment and made it on XX/XX/XXXX. The delay triggered a letter from the insurance company threatening cancellation on XX/XX/XXXX but since the payment was received well in advance of that, there was NO CANCELLATION. 

I received a letter from XXXXocketMortgage stating that they were charging me for canceled insurance. I called RocketMortgage on many, many occasions letting them know of the mistake, that my insurance was never canceled, uploading the proof of no balance from my insurance company, and had them contact my insurance company and personally verified that no cancellation occurred. XXXX occasion of those calls was on XX/XX/XXXX where they noted that the insurance was in place but apparently did not note that the insurance was never lapsed so that it is still recorded as such. 

I sent them all the documents proving this case, including the bill from the insurance company showing XXXX balance, my declaration page showing my insurance, my bank statement showing payment on the XX/XX/XXXX - well before the XX/XX/XXXX which was when the insurance company was supposed to cancel the policy. I am not sure what else I can do. They refused to understand the facts that instead want to charge me for insurance arguing that I was uninsured from the period that the insurance company on their letter threatening cancelation ( XX/XX/XXXX ) and the XXXX of the dates I called to let them know it was never canceled ( XX/XX/XXXX ) where they recognized the plan was in place. They just would not recognize the plan was in place all along and are charging me for a lapse period even though there was no lapse. 

This is beyond frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions Inc.
State: WI
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:
To whom it may concern, I called Experian credit reporting agency on XX/XX/2018 and spoke with a XXXX, regarding my some items on my credit report. I gave Ms. XXXX all the information she requested to verify who I was, she asked what I calling about and when I asked if it was right for them to still show late payments on accounts that were no longer open she became very nasty and rude this is not the first time I have encounter this Repensentive and she was the same way. I work with the public every day and that is no way to talk to someone when I never raised my voice or said anything to her that would cause her to speak to me in that matter. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have ask transunion to verify a debt that reporting on my credit report from the company known as XXXX XXXX XXXX account # XXXX I have ask the company to provide me with original purchase agreement with my wet signature and all documents and sign notary stating that they legally can collect a debt from me, and arbitration clause that we both sign this is a violation of my consumer rights of having my private information without my consent multiple violations fcra and fdcpa15 usc1692 usc 15 1681b under fdcpa 807 fdcpa 8012

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-08-22
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am making a collection complaint from XXXX XXXX I was with that company I had to pay what I use they should not charge me more payments this company is taking advantage of my mother is out of the country if it is true she has the cell phone with her from XXXX XXXX  I am not going to pay an additional charge of {$1200.00} with XXXX XXXX  for helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These inquiries were not Authorized by me or did I consent for anyone else to pull my credit. These are the inquiries below that I didn't Authorize. 


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 2023-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity Theft report XXXX XXXXXXXX is attached to this complaint with the following fraudulent accounts that must be removed from my Experian consumer report : XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct 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