BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected as soon as possible : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOITHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mailed my IRS payment check of {$2000.00} from my office which is located at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, FL. XXXX on XX/XX/. The check was cashed on XX/XX/. I didn't realize it wasn't cashed by the IRS until I received a notice from them they hadn't received it. Looking into it at my bank, Regions Bank, the check was stolen and cashed by an individual of XXXX XXXX XXXX. I made a police report with the XXXX of XXXX XXXX XXXX police report with officer XXXX XXXX and the case number is # XXXX. It's been over 90 days now and Regions hasn't refunded my {$2000.00} and have had no written correspondence on this matter. I have called on numerous accounts and keep getting the run around. The person at the bank I made the compliant with is XXXX XXXX ( XXXX ) XXXX. I refuses to give me his manager and any additional person to talk to to get this resolved. I've been more than patient and can't even get a response. I believe there is something fishy going on her and would like to get some help. I have additional accounts with them and I'm nervous about my other funds.

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 2022-11-22
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX .... Balance : {$4400.00} ; XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 2023-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent Transunion a dispute letter ( certified mail ) on XX/XX/XXXXXXXX  requesting to look into some disputes. My request was not fully looked into. I never received an updated report of all disputes. I send that same dispute request on XX/XX/XXXXXXXX  its still pending. I decided to call today XX/XX/XXXXXXXX  and spoke to XXXX. XXXX stated they have not received any type of documentation from me and there was no pending disputes. I continued to tell her I have certified documentation showing they signed for it and on my membership with Transunion, I could physically see 1 dispute. She then transfered me to a supervisor named XXXX. XXXX refused to look into the inqury disputes. I have tried to reach out to creditors and have gotten no where and wanted transunion to investigate these disputes and they said they don't investigate inquries. They are the reporting agency and are suppose to report accurate information and if not accurate to investigate but they refuse to do so. He also told me that if I contact the creditor and don't receive a deletion notice then my other option is to leave them on my credit for 2 years. He also mentioned a FTC report but I don't feel comfortable reporting an unrecognized charge as a fraud charge without it being verified/investigated first. I only requested transunion to investigate these inquries for accuracies and they refused.

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 2021-09-17
Company: EQUIFAX, INC.
State: NY
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, XXXX XXXX XXXX, am a victim of identity theft. I did not consent to, authorize, or benefit from the following accounts/inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a copy of my FTC Identity Theft report. I also have multiple addresses, names and employers on my consumer report that may be due to association with said fraudulent accounts. Please remove that false information as well.

Also attached below are copies of my drivers license, social security card and recent utility bill with my current address. I have also mailed each of the major 3 Consumer Reporting Agencies via certified mail on this matter. 
I fully authorize the CRAs and I am not an unauthorized third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Mortgage department pulled my husband 's credit score on XX/XX/XXXX and pre-approved us for a home loan of XXXX XXXX. We put an offer on a home XX/XX/XXXX and our offer was accepted. We started the underwriting process and I have previously made the home mortgage department aware that I was seeking a grant through Nevada 's Home is Possible program to assist in buying the home. Wells Fargo told me that we would be closing too soon and HIP takes 45 days to process. We proceeded anyway. We put in our 30 day notice to leave our apartment on XX/XX/XXXX to move out by XX/XX/XXXX. We were scheduled to close XX/XX/XXXX, but the bank extended us, citing the underwriters needed more time. We extended with the seller to the XXXX. On the XXXX we were told the bank STILL needed more time. During this whole time they had requested some of our documents be resubmitted 5 times. We made sure they had them all as quickly as they asked for them. On the XXXX we were asked by the seller who was growing nervous of the sale to release our earnest money in good faith. I asked the bank if we were still good as I did not want to release money only for the bank to say no. The bank assured me that we would be closing and not to worry, to go ahead and release the money to not lose the home. I released it with their advice on the XXXX. On the XXXX, the bank called me as we were moving out of our apartment into storage units that our loan could not be processed as the credit score, pulled on XXXX XXXX was 3 points off. They had the score for nearly two months. We are now XXXX, out of our earnest deposit, appraisal and inspection fees, and forced to pay boarding for our pets and storage fees of {$400.00} a month til we find a home. Wells Fargo has offered no relief in this matter.

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 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My complaint is in regards to my unemployment lump sum fraudulently stolen out of my BofA checking account ( California EDD ). The amount was approximately {$17000.00}. and the timeframe was between the 2nd and 4th quarter of 2020. A person, who I knew, fraudulently and without my permission stole every penny from my BofA checking account without my permission. I tried resolving this matter with Bank of America but they did not overturn the money back to me. The bank also states that there is nothing that can be done. My hard earned wages through blood, sweat and tears will not stay in the hands of the bank when it could go into my daughter 's college fund. Please help me resolve this. I'd like the bank to be on my side, but they're not. I need your help. Thank you for your time and patience.

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 2022-06-20
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: AMERICAN EXPRESS COMPANY
State: OH
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 pulled my credit reports as I have been incarcerated since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as XXXX XXXX, XXXX XXXX, american express, & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$20000.00} ; 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 explanation
Consumer complaint received 2021-09-17
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account from PROCOLLECT , INC on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for 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 2020-06-13
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account opened with XXXX on XX/XX/XXXX. 

Account closed on XX/XX/XXXX. 
Upon closing the account at the XXXX XXXX Store, I paid {$340.00} ( the last month payment for two lines XXXX and XXXX ) and returned all hardware to XXXX XXXX. The location of this store is XXXX XXXX XXXX. 

After XX/XX/XXXX, I received charges for {$460.00} ( for XXXX ) and {$170.00} ( for XXXX ). I contacted XXXX XXXX with XXXX ( XXXX ) multiple times via email to explain these charges were wrong because the account was closed on XX/XX/XXXX. I included the XXXX  because I required further assistance to try to communicate my issue. Since I did not hear from XXXX, I assumed the matter had been solved. 

At this time, XXXX has an incorrect request for the amount of {$1000.00} because I should only be charged for the services up to XX/XX/XXXX. This amount has been sent to sunrise for collections and affected my credit score. I have made this request with XXXX on XX/XX/XXXX with XXXX ( XXXX ). 

I would like XXXX to only charge me the final month of the phone usage, remove the charges after XX/XX/XXXX and remove me from collections. I would like to ensure my credit score returns to its primary state.

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 2023-02-21
Company: CITIBANK, N.A.
State: OH
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 pulled my credit reports as I have been incarcerated since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as Home Depot, XXXX XXXX, XXXX XXXX, & XXXXXXXX

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 2022-10-06
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: Information belongs to someone else

Complaint:
Re : This is not your typical disagreement. Act right away since you are in violation. 
FCRA Sections 616 and 617 : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES Accept my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to reach a settlement without going to court about your continuous violation of the Fair Credit Reporting Act by refusing to remove INCORRECT, UNVERIFIABLE, and INVALID information from my consumer file. If the INACCURATE, UNVERIFIABLE, and INVALIDATE articles described below are not removed right away, I intend to file a lawsuit in accordance with the FCRA to seek relief and recover any financial damages I may be entitled to under Sections 616 and 617. A duplicate of this letter was given to you, along with some inaccurate, mistaken items.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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