BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
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:
There are 12 accounts on my credit report That I have been disputing since XX/XX/2020 I have sent police reports FTC and everything else which I cant upload now since I am using another computer and I dont have the files with me but nothing has been done by the bureaus I dont know how else to say THESE ARE NOT MY ACCOUNTS I HAVE NOT OPENED USED OR EVEN KNOW WHAT THESE ACCOUNTS ARE AND HOW THEY GOT ON MY REPORT. I am at my wits end and I dont know how else to come across to the bureaus but this is not fair and this extra stress is really getting to me I need help!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2022-01-04
Company: Bridgecrest Acceptance Corporation
State: NC
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:
BRIDGECREST FORMERLY XXXX is a company that is regulated by CFPB and they are in violation of laws, statues, and codes that they shall abide by. BRIDGECREST FORMERLY XXXX has taken adverse information reflecting on my consumer report due to none payment for medical related complications. BRIDGECREST FORMERLY XXXX went to the extreme and reported to the consumer reporting agencies numerous times late payments which is transactions between the consumer and the person ( BRIDGECREST FORMERLY XXXX ) making the report. Congress says that transactions or experiences between the consumer and the person making the report is not included in your consumer report.

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 2019-10-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We are filing this complaint against BMO Harris for reasons of negligence on their part while the fraudulent activity kept on going with our Home equity and another account for almost 1 year and now enormously distressed by their unfair business practices. We were never contacted to authenticate any such transaction, my signatures were never validated, not a single correspondence. A year later ( XXXX ) we received a letter from the bank notifying us of the overdraft and that we are required to make the payment. My husband, XXXX XXXX went to the bank the very nest morning and discovered that we apparently have a home equity line in the amount of {$610000.00} and a dormant joint account with apx. {$27000.00}. The bank manager was quite helpful ans was able to pull some information. It was discovered that starting XXXX someone somehow accessed our home equity line account and starting transferring money into our joint checking account and on monthly basis was sending money to different banks, one was particularly XXXX XXXX belonging to XXXX XXXX XXXX XXXX The entire year such large transactions kept moving out with fraud signature and received not a single notification. Upon discovering this, we immediately filed a police report, filed a complaint with FBI and FTC. This was all done to provide additional support and assistance to BMO Harris bank in investigating and closing the matter. The bank has been avoiding communication, lack of response. WE had one meeting with investigating team in XX/XX/2019 and other on XXXX, because we were being persistent. There is a matter of statue of limitations as well. The bank is unnecessarily causing delay. FBI has confirmed to the bank that there is no foul play by the client and there is a large racket out which is involved in such fraud activity. 
Now the bank is asking for our Identity Theft Protection information which is our insurance. We spoke with XXXX XXXX and they were socked as to how the bank can come after our our personal insurance. We have provided the BMO Harris all the contact information of XXXX XXXX and what they are trying to do is reduce their losses. Their exact words.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: NY
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 am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: In progress
Consumer complaint received 2022-01-04
Company: CURO Intermediate Holdings
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:
It states I owe a loan but I have never received it applied for any loans can u provide the documents original copy proving this my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
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:
This account is inaccurate. The Balance is not correct and the payment is not correct and the balance history is different on the Experian, XXXX and XXXX. Please Delete per the FRCA 611. 

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-11-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credir 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 7 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 a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have a collection account on my credit report that is being reported inaccurately. XXXX XXXX XXXX is being reported by all three bureaus inaccurately. Its being reported as charged off and paid monthly at the same time and a few other things. I have attached a copy of my report. This information is inaccurate and its really hindering me. Due to the false information being reported I want this collection removed from all three reports immediately. I also want all three bureaus to provide me with full details and signed documents with my signature on them. If this information is not provided I demand that all three bureaus remove this collection from my report. I have tried to resolve this matter plenty of times and the next step is to proceed with litigation due to the hardship that this matter has caused 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 2021-10-20
Company: Verified First, LLC
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/21 There are things on my credit report that should be erased ... Things that are court dismissed, but, does not show on credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: PLANET HOME LENDING, LLC
State: NV
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:
i have been trying to contact company on my lunch break to talk to some one and im put on hold or just rings and or cuts off and hangs up. my lunch break is only 30mins and after that i cant be on the phone for personal calls after. so no success in reaching them. ive reach out to a realtor on XXXX to give her authorization to speak to the bank on behalf and they have yet to respond to the authorization form. she has contracted them daily, multiple times a day and also has been put on hold or disconnected on. time is of the essence cause i have a auction date of XXXX im behind due to lost of job during covid and present job i took a substantial paycut.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account has been reporting incorrectly on my credit report for months. I received a letter stating that I did not owe anything else on this account. Due to the incorrect reporting and inconsistent to all 3 bureaus, This account should be removed from all credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Lockhart, Morris & Montgomery 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:
This happened in XXXX My back pack was stolen from my car I didnt see the person face I got off my car to get some coffee when I returned to the parking lot my window was broken Unfortunately last year my XXXX XXXX XXXX XXXX XXXX  with my XXXX was stolen too Please Im begging you to clear this off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account with Citi in part, to obtain the bonus they advertised for people who deposited over XXXX and maintained at least that balance for 60 days. However, no bonus has ever been paid. 

Funded/Opened XX/XX/21

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 2022-01-04
Company: Continental Credit Control
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: Problem with personal statement of dispute

Complaint:
I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with XXXX and XXXX with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by XXXX but XXXX has not so he submitted his own complaint. As for me, XXXX has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, XXXX added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For XXXX, I filed the exact same dispute and I was not satisfied with my results. I do not understand why XXXX removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by XXXX and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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.

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 explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Account was closed as of XX/XX/2024 due to bankruptcy XXXX now 2 months later the account is reporting late payments

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 2021-10-20
Company: Aqua Finance, Inc.
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: Account information incorrect

Complaint:
12 hard inquiries and collections on my XXXX, XXXX, XXXX credit report that i have no knowledge of, and it was done without my permission, knowledge, or consent these inquiries are ( XXXX XXXX XXXX XX/XX/2020 ) ( The XXXX XXXX XXXX XX/XX/2020 ) ( Bay financial XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) XXXX XXXX is under collections through XXXX XXXX  XXXX XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 spoke to Capital One right back in XX/XX/XXXX of this year. I was very disturbed when I found out that they had reported me 30 days late in XX/XX/2018 and then 60 days late in XX/XX/2018. So when I called them, I was told that there had been a balance of {$18.00} on my credit card. I had never been notified of this small outstanding balance and didnt even get any credit card statements. I spendt well over 1 hour, talking to various CSRs and esclating to management, but to no avail. I tried reasoning with them, as why would I destroy my credit for {$18.00}? I have tried dispute through the credit reporting agencies, but nothing happens there also. This is the only thing that is causing a huge hurdle in trying to get approved for a home loan. 

Please help! I dont know what else to do.

Company response to consumer: Closed with explanation