BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-04-10
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: SC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.CITIZENS ONE XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is from a debt from XXXX which has been reported on my credit score by several other companies and the original it has been repeatedly questioned and I have not received any further information or explanation as to why it is being used against my credit score more than once by multiple companies and why the dates just keep getting updated as apposed to the debts effect becomeing less significant to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-09-04
Company: EQUIFAX, INC.
State: MI
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: KEYCORP
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Over the course of 4 outgoing phone calls to KeyBanks Customer Service Line totaling 178 minutes I was still unsuccessful in getting the " other charges '' waived when attempting to pay-off my loan. My issue I have is when my home went into a foreclosure status in the first 4 months of the loan I paid roughly XXXX to bring it current and I am left wondering why I didn't pay those attorneys fee 's at that time. Now I am getting charged randomly throughout the last 2.5 years for attorneys fees. Ironically I got the information to the actual attorney to get this problem resolved and he was someone I knew personally so I gave him a call. My main goal I would like to argue with KeyBank is why those fees weren't issued in the beginning when I brought my loan current and why was it such a hassle to get this information from them. Again I spent almost 3 hours of phones calls to get no where it seemed like and I am still left wondering why. These phone calls took place as follows. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 55 minutes I was transferred to collections which the lady explained to me as my account being current and almost immediately was going to transfer me back to CS before I stopped her explaining I had just spent 40 minutes with XXXX ( employee # XXXX ) in CS. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 26 minutes ( XXXX ) no success here. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 35 minutes XXXX ( employee # XXXX ) -> XXXX  supervision XXXX ( customer service department ) no success here, but a phone call back with a voicemail with not enough information causing me to spend over an hour with the next CS Rep. I got down below. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 1 hour 2 minutes XXXX was finally able to provide the name of the attorney I have a huge problem with how many employees I had to speak to and how they had no clue of how things worked almost just shrugging their shoulders and saying I don't know, but I'm sorry this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: KY
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:
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.

has violated my rights. Or a 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 explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: GA
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
Please see attached documentation regarding American Express account ending in XXXX which was deemed null and void, discharged, fully satisfied and which I was exonerated from. 

Despite this debt being nullified American Express continues attempts to collect a debt they have confirmed they have no authority to collect, nor are they able to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir/Madam, Commencing what appeared to be a routine financial transaction, a Wells Fargo online wire transfer was initiated just before XXXX XXXX. on XX/XX/2023, for a same-day transfer with a {$25.00} fee to a XXXX XXXX XXXX XXXX XXXX XXXX account, intended for my husband. However, this experience quickly turned distressing due to the untimely non-completion of the transfer. The repercussions of this failure have been significant, leading to a core financial loss of {$25000.00}, along with incurred additional interest charges to bridge the financial gap. It is essential that the money is promptly returned, and the financial damage resulting from the interests incurred to bridge the gap is addressed. Despite my diligent efforts to reconfirm the bank account and routing details multiple times, the issue remains unresolved, leaving me frustrated with no clear path to resolution. In light of these circumstances, I am actively pursuing a firm, expedited claim for damages due to the transfer 's failure and urgently seeking the return of the core 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 2023-05-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-08-29
Company: CAINE & WEINER COMPANY, INC.
State: MS
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received online notification from all three credit bureaus on that CENTRAL PORTFOLIO CONTROL place a Collection account on my credit report in the totals of {$4200.00}. I do not have an account or agreement with CENTRAL PORTFOLIO CONTROL. CENTRAL PORTFOLIO CONTROL violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter in the mail from Chase Slate XXXX Visa Platinum postmarked XX/XX/XXXX stating that I had applied for a credit card but was denied. They utilized XXXX XXXX to pull my credit. I did not apply for a credit card recently. I called Chase on Sunday the XXXX to let them know this. I also called XXXX XXXX on XX/XX/XXXX to inform them. They put a fraud alert on my account/file and recommended I create a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: Resurgent Capital Services L.P.
State: MD
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:
XXXX XXXX XXXX has done everything in their power to fight me on removing this from my credit file, this debt collector bought this from someone else and listed on my credit on XXXX as the open date XX/XX/XXXX XXXX. They have a lot of inaccuracies on this account and I never attended the school. Then I have LVNV Funding LLC I have reached out to the credit bureau many times and filed many disputes, and there is XXXX another collection agency, on my credit I have contacted the credit bureaus and agencies because all XXXX of these are resold accounts with inaccurate information and they change the information on my credit each month, the things they are going against the law 15 U.S.C S.1692d

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: CA
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. Has Violated my rights. 

XXXX XXXX XXXX XXXX XXXX- Account Number # XXXX  XXXX XXXX : Account info- Account number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ND
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:
I have contacted both Carrington Mortgage and XXXX XXXX XXXX several times over the last months asking for the date of first delinquency to be fixed on my reports. The most recent contacts to both companies were by phone on XX/XX/XXXX, by phone on XX/XX/XXXX, by email/fax on XX/XX/XXXX and through disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not updated the date as of yet. 

The date of first delinquency that is showing on all 3 credit bureaus : XXXX, XXXX and XXXX. The delinquency shown is XXXX of XXXX but the date of first delinquency was XXXX of XXXX. The mortgage loan was originally owned and serviced by XXXX XXXX XXXX. It was then transferred to Carrington Mortgage and finally to XXXX XXXX XXXX. Per FCRA 605 & 623, when a debt is sold and was delinquent, the date of first delinquency is to be reported as the original creditors date of first delinquency. In the case of this account, the account went delinquent with XXXX  XXXX XXXX in XX/XX/XXXX. As it was never brought current, the date of first delinquency is XX/XX/XXXX. 

You will see in the XXXX XXXX  Report the XXXX XXXX XXXX Information ( bottom of page 4, top of page 5 ) the account history for XXXX  XXXX XXXX and the information that is was transferred. Bottom of page 5 to top of page 6 shows the incomplete Carrington history. Carrington received the loan in XXXX XXXX but did not report until XX/XX/XXXX until XXXX XXXX. XXXX received the loan in XX/XX/XXXX-XX/XX/XXXX. 
The 2 were the follow-up letters that I submitted after the CBA disputes were not updated properly. 

The XX/XX/XXXX XX/XX/XXXX Document shows that the XX/XX/XXXXXXXX XXXX account has been removed due to the 7 year rule but both Carrington and XXXX are still on the report ( pg 11 & pg 16 )

Company response to consumer: Closed with explanation