BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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 draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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: 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:
In accordance with the Fair Credit Reporting act the following companies/account ( s ) ; -XXXX XXXX XXXX  XXXX Account # XXXX -XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX have violated my rights as a consumer.

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: CA
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:
I have called Experian about three accounts that have been so called delinquent. I have notified them that this debt does not belong to me. I have never lived at the address on file for the accounts and on top of that I was a victim in the XXXX data breach which Experian is the company handling the credit restoration process. Only experian and XXXX has these accounts on reports. The accounts XXXX XXXX and XXXX XXXX  are closed and have been charged off meaning paid but they continue to show payment history which is a violation of title 15 of the United States Code. Furthermore I have asked multiple times for validation of the debt which I have never received but due to the fact that these companies pay Experian a servicing fee Experian is dedicated to the company creating a conflict of interest as Experian will make bias decisions in favor of the paying company. I have not received a valid contract with my signature on it but Experian has continued to say that they have validated the debt. I don't care about them validating the debt I want validation and they have not provided it in the 2 years I have asked. This is a violation of my private rights as I am not a US citizen. I am a private individual in control of a U.S. citizen. I understand that the principle on the account is a legal fiction created by the United States for my benefit and to operate in commerce. Experian continues to treat me as if I am the principle and I have sent in an affidavit of truth letting them know my true identity. They have neglected to honor the affidavit and continue to treat me as principle. Lastly I have never given Experian any consent to provide any company any of my private information but the presumed and implied authority they believe they have is interfering with my right to privacy and liberty. The only conclusion I have come up with is Experian has defamed my character, are advising companies not to extend credit to me based on my demographic and race. I have power of attorney over this entity and will exercise this power by filing a civil case against experian for not having a license in the state of California or have a bond on file for damages. They ( Experian ) does not have any jurisdiction to perform the acts that they are performing which is a violation of my private unalienable rights. I have attached the report that experian provides to the companies I apply for credit with. This here proves they are defaming my character and it is now public record and can not be rebutted.

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 2022-12-30
Company: EQUIFAX, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My issue is with Experian I have been disputing these 2 accounts reporting on my credit report that are not mines. 
Experian tells me they have verified that accounts are mine. 
I asked how did they verify that accounts are mines, they ignore my request. 
I have expressed my right to 15 U.S.C 16881G. 

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 2023-06-01
Company: EQUIFAX, 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 act XXXX Account # XXXX, has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In XX/XX/XXXX, I got a notice of a credit report inquiry. I checked and it was an inquiry to XXXX by Bank of America. I called BoA on XX/XX/XXXX to ask about the inquiry. They said they had no record of an application using my social security number. I asked them to not open any account in my name or ssn. I was given BoA case ID XXXX. 

In early XX/XX/XXXX I got a credit notice of a new account opened. I immediately called BoA to report this account as fraud. I was told it would be closed and an investigation started. Subsequently, I was sent a credit card. I also received a bill with an annual charge. After many failed attempts to get the annual fee for the fraudulent account removed, I was forced to pay the {$75.00} annual fee or they would charge late fees and report late payments to the credit reporting agencies. 

BoA has refused to send me a copy of the application ( which I believe does not exist ) and will not remove their charge that I never agreed to. I have spent hours on the phone and their tactic is to continually transfer you to someone else that still can not help you. They have taken {$75.00} from me and hold my excellent credit score as hostage. I was actually asked in my most recent call, Were you made aware of this from a notification from XXXX? Seems this isnt an isolated incident. What can I do to get this resolved?

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 monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
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 checked my credit report and noticed some fraudulent items that are in violation of the Fair Credit Reporting Act that needs to be removed. I am considering arbitration or litigation if these negative accounts aren't removed from my credit report. 

Accounts to be removed : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Ross Financial Recovery Group
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received an email on XX/XX/XXXX from Ross Financial Recovery Group XXXX. XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX, claiming I owed {$200.00}. The address turned out to be a corner cafe in what looks like a residential neighborhood. Three calls resulted in a different person with XXXX XXXX accents each time. 

Previously owed {$350.00} to XXXX XXXX, which was paid in full XX/XX/XXXX to XXXX XXXX in XXXX XXXX. After going through all credit channels, XXXX XXXX confirmed on XX/XX/XXXX payment was previously accepted. 

I was informed by XXXX XXXXXXXX that Ross Financial Recovery Group was fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: MO
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 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 2021-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a current mortgage with Citizens One Bank at a 4.5 % interest rate. We applied on XX/XX/XXXX to refinance directly with them. We have provided all documents and signatures timely. We have exceptional credit rating and we are only asking for a fraction of the homes value at a lower interest rate of 2.5 %. An appraisal was done on XX/XX/XXXX and paid for by us. The process finally went to underwriting on XX/XX/XXXX and we were told it would close in about 7 business days. It is difficult to talk or communicate to the loan processer. We have emails go unanswered for days or weeks and keep getting told we are close to closing. Finally as we approach the 5 month mark without being contacted by the banks " closer '', we have asked to terminate the process and have the appraisal that we paid for be transferred to our new lender, who in 3 days time has already gotten further along than Citizens One. I was told that Citizens can not transfer the appraisal. I have written to the VP in charge of Home Loans and left two voice messages. We believe that Citizens One deliberately delayed the process to keep getting interest at the higher rate. We are seeking to be reimbursed for the appraisal costs that we paid for, since they won't transfer it. I can provide correspondence, copies of emails, and timelines showing their lack of motivation to complete the re-finance process. I estimate, that if we would have closed in a reasonable timeframe 45-60 days, we have paid approximately {$1000.00} more in interest and another {$890.00} for an appraisal that they won't transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: Servion, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicer has been paying multiple insurance companies erroneously this last year and has now recalculated my escrow balance incorrectly projecting large increase in my payments. They are not giving me any time to get this corrected, the mortgage statement I received immediately after the yearly escrow statement has this incorrectly applied. I am now jumping through hoops as fast as I can to get the refund from the incorrect charges and send that in. I am very disappointed after calling Servion servicing call center multiple times, that they will not give me any additional time to get the refunds to them before forcing this incorrect statement on me. I am very disappointed that their error of sending payments to multiple insurance is now all my problem, no help from them, and the ridiculous pressure they are putting on me to get it all resolved in such a short time line.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX XXXX and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft I notified both the collection agency and credit bureaus and the account keeps popping up on my credit report I sent out multiple letters requesting the removal no one has gotten back to me about this it's been over 4 months now. The credit bureaus keep validating a debt that is fraudulent on my credit report with another name not belonging to 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 2017-08-11
Company: NCB Management Services Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Took out a line of credit with this online lender XXXX. Requested they close the account and let me pay it off over time ( interest rate was too high, could not afford it ). XXXX XXXX who works for NCB debt collection for this place called my husband 's, my son 's and my home phone which I did not provide them with any of these. She was told not to call these numbers and she lied and said I gave them to her. Not true, I would never do that. Last night she called the home phone which we NEVER use, except for emergencies and asked was this " XXXX XXXX '' I said yes and she said who she was. I was really upset she has my e-mail, cell phone, work phone and home address. I made arrangements to pay monthly but one payment was returned. They reported me to the credit agency and I feel these high interest rate online loans should not be legal anyway so why should they be able to report to the credit agency. They say they are XXXX XXXX but they are just loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: SC
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:
The items on my credit report was removed then added back and the investigation took more than 30 days. The items were removed from my credit report and I have documentation attached to prove it.

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: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES IN XXXX XXXX  AND XXXX XXXX, I NEVER RECEIVED A REPONSE BACK FROM THE CREDITORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am missing my paycheck due to the ach error that is happening. Wellsfargo and XXXX have not sent out any correspondence or given their employees any guidance as how to handle questions about this. The customer service representative didnt even know whats going on.

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