BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is currently reporting outdated personal identifiers on my credit report. I requested an update in XX/XX/2021 and they have yet to respond. 

Experian is reporting the following accounts incorrectly : XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS OPEN This account is listed as being 60 days late XX/XX/2021. Please verify that this account was indeed late as you report, or I demand that you delete all late payments from the account. 

XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS CLOSED This account is listed as being 30 days late XX/XX/2021. I demand that you delete all late payments from the account. 

Experian is currently reporting two medical collections on my report that need to be removed. XXXX. XXXX and 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 2021-11-12
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: Account status incorrect

Complaint:
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX  To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX XXXX for XXXX, one is {$410.00} and one is {$220.00}. Both account statuses show past due and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by XXXX XXXX is a VIOLATION of the HIPAA Act of 1996. XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX as well as XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX XXXX, XXXX XXXX, and all 3 credit bureaus : Experian, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.

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 2021-11-12
Company: EQUIFAX, INC.
State: TN
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 have been disputing 6 fraudulent Accts on my Equifax credit report for 3 years. Below are name and amount of accts. 

Dept of Ed/XXXX {$3000.00} Dept of Ed/XXXX {$1400.00} Dept of Ed/XXXX {$4300.00} Dept of Ed/XXXX {$8400.00} Dept of Ed/XXXX {$4600.00} Dept of Ed/XXXX {$10000.00} I have sent notarized letter to XXXX , copy of SScard, picture of ID so they could analyze my signature, Police report to Equifax and XXXX to prove Identity theft and these accts still remain . These accts are NOT mines please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-08-07
Company: Fairway Independent Mortgage Corporation
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Senior Loan Officer XXXX XXXX Picked Up the Instrument at the Post Office on XX/XX/2023, XXXX XXXX, XXXX. As of now this Draft has been dishonored since Senior Loan Officer XXXX XXXX has willfully chooses to accept payment instruments and refused to provide payment for the consumer goods. We have contacted this person in good faith in regard to his duties to perform on our behalf on Wednesday XX/XX/XXXX, XXXX XXXX. This theft of payment and unethical business practices has caused us damages and we are entitled to immediate redress. We were then contacted by XXXX XXXX Corporate Counsel of Fairway Independent Mortgage Corporation which she chose to slander our reputations and person in regard to this consumer transaction. She then proceeded to give us legal advice which directly interfered with our unalienable rights of freedom and privacy as consumers. The response from this lawyer was on Wed, XX/XX/XXXX, XXXX in retaliation to our rights and email to XXXX XXXX XXXX This prohibited conduct by Fairway Independent Mortgage Corporation which is a Mortgage Banker company must comply with the law and be held liable for all damages to prevent any additional damages. Since there is no money, we can only take equity goods and services. Please be advised ignorance of the law is no excuse or defense. This is a public emergency where this has directly affected our living situation. The CFPB has a moral and legal obligation to uphold and enforce our rights. Thank you in advance. 


Fairway Independent Mortgage Corporation has willfully and knowingly refused to comply with our unalienable rights and the UNIFORM COMMERCIAL CODE ARTICLE XXXX - NEGOTIABLE INSTRUMENTS which has caused us direct emotional and mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXX 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 is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 


I haven't given these accounts written permission to furnish these accounts on my credit report as well

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 2021-10-30
Company: Merchants' Credit Guide Company
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: Their investigation did not fix an error on your report

Complaint:
I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now litigate the reportability of your claim ( s ) until it's decisive that privilege to report was executed adequately and in a proven and authenticated certifiable compliant manner, even to the mandates in accordance with the CDIA required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2021-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America Acct # XXXX Date Opened XX/XX/2017 I've already submitted a CFPB complaint and received a response from you that was vague and it did not investigate the following request ...., I need the following information from you for my records : 1. 1099C 2. Take down letter 3. Finance insurance paperwork 4. And let me know if there was a finance charge. 

If no such proof is provided within 14 days from receipt of this notice, I demand deletion of this account from my consumer report profile. 

I also received an email from XXXX XXXX XXXX saying that I owe them {$3700.00}. This is inaccurate information if the above debt collector has already paid for the debt. 

Between these two accounts you are reporting inaccurate information and the two accounts should not be reporting a balance. 

According to the law I demand this account be deleted.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2017-02-23
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX Citi said that I was behind in my payments. I was current. Citi refused to accept my money. I was presured to enter into a HAMP, in order to keep my home. I gave Citi XXXX dollars and agreeded to pay {$1800.00}. per month until the XXXX dollars was paid to Citi. I paid XXXX dollars and lost my parttime job and could no longer pay the blood money. Witch was in unapplied for 5 years. When I inquired about the money, they used it for bogus charges and absorbed all of the funds. Last year in XXXX I tried to fix this henderious mistake, with XXXX XXXX XXXX. I am in a home owner modification that went from 2 % to 3 % and my mortage actually dropped to XXXX dollars, Just recently in it peaked to XXXX dollars with an added amount of {$87.00} dollars for an appraisal of property that did not have all of the paper work. Why am I paying for an appraisal before being accepted in the program? Citi is very fraudlent.

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 2021-09-13
Company: ENCORE CAPITAL GROUP 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:
Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Exeter Finance Corp.
State: GA
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:
Account NameEXETER FINANCE XXXX   Account Number680681XXXXXXXXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$22000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$13000.00} Balance UpdatedXXXX Recent Payment {$1400.00} Monthly Payment {$0.00} Original Balance {$21000.00} Highest Balance {$0.00} TermsXXXX Months On Record UntilXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal name, address, phone number and employment information on credit 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 2021-11-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was recently made aware that my credit limit was reduced from {$2500.00} to {$1900.00}. I was notified of this transgression specifically 15 USC 1601- The Truth in Lending Act by Banana Republic XXXX XXXX XXXX service on XX/XX/2021. I as a natural person was harmed by Banana Republic 's adverse action taken against me. My rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), Banana Republic is now civilly liable to pay me for the damages.

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 2022-09-13
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 XXXX XXXX, original creditor is XXXX XXXX, amount {$270.00} 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 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 2019-04-25
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: Personal information incorrect

Complaint:
The personal information on my credit report is fraudulent

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 2017-04-03
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX place a lien amount of XXXX owe to do for tax year XX/XX/2010. I was told that they never received my state XXXX. After submitting the information requested. It show that a refund was owe to me instead of me owing them. I have tried several times to have this remove from crediting reporting agency Equifax but no success. All other credit reporting agency has removed this information. I requesting that this information be removed because it was not accurate in the first place. Stating paid in full is not a true statement. When I did not pay anything because the owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened the account in XXXX, ( Acct # XXXX and savings # XXXX ) I funded it through direct deposit from my XXXX XXXX XXXX. I made XXXX XXXX payments to my new landlord on XXXX and XXXX for {$500.00} and {$600.00}. I woke up on XXXX and my account was blocked and set to be closed in XXXX days. There was no notice, no warning, nothing and they won't allow me to retrieve my money. I spoke with numerous people on XXXX and XXXX they all refused to help me and hung up on me. So I reached out to the Executive Response Unit for help. They took my information and gave me a reference 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 explanation
Consumer complaint received 2022-01-12
Company: MIDFIRST BANK
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: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
MidFirst Bank charged back {$260.00} to my company, which was a fraudulent charge back made by the customer. This amount also included a {$15.00} charge back fee. The customer XXXX XXXX reported to MidFirst Bank that the order she purchased was fraudulent. After I submitted proof to the bank along with her signature, phone number and email address informing them of me speaking with the customer they still processed a charged back. The customer have my product and now the funds, and then they have the nerve to charge me {$15.00}.

Company response to consumer: Closed with explanation