BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NV
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:
The company in question, XXXX XXXX XXXX XXXX XXXX ), has yet as of, XX/XX/2023, to change status of a paid off auto loan from account charged off to paid in full. The account was paid off, directly inside the companies own branch, on the date of XX/XX/2023 at XXXX. I tried multiple attempts disputing this account on multiple credit reporting agencies and they have failed to investigate said debt even with receipt evidence showing this debt has been paid AND title being in hand. XXXX has been failing for nearly a month to correctly report this account as paid in full to credit reporting bureaus and even with receipt/title in hand is unwilling to update information regarding said account.

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 2019-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
sent multiple letters asking for verification of this account and never received any documents which supports this negative reporting on my credit.

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 2020-07-31
Company: EQUIFAX, INC.
State: AR
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 downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXX  XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach 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 2023-02-01
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2022, Discover gave written verification that an application for this account does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Wells Fargo, in XX/XX/XXXX and XX/XX/XXXX, you were my mortgage loan servicer where you were both a mortgage lender and a mortgage servicer. The underlying mortgage loan that you serviced has Mers Min Id of XXXX, during XX/XX/XXXX and XX/XX/XXXX. According to HUD settlement statement, XXXX refinanced the mortgage lien under Texas Section 50 ( a ) ( 4 ) guideline.  This requires that XXXX will pay for your loan ( the  one you issued as a lender and as a servicer ) to be released since paid off by them. Then they will establish their lien. While XXXX did their fraudulent staffs, your company fraudulently pursued a DIL ( Deed in Lien of Foreclosure ), without even informing me. It is obvious that my signature and the agreements needed have been forged. So here are some important question on that regard. Was it a XXXX loan that they quit claimed or was it not, in which case you quit claimed in guise of a special warranty deed? This is important because due to your DIL and quit claim, my chain of title has been messed up. I don't mind you guys transfer your loan for mortgage backed security or sale if to someone else, what I do mind is that you forge the signature and all the documents using my identity and then finally break the chain of title. 
Hope you understand the pain. So please provide the state of this thing, so that I can take the right approach to fix this. Thanks.

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 2020-07-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2023-03-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraud account already provided documents to creditors and they assured me they would remove from all 3 credit buearus. My score use to be excellent XXXX until this fraud occurred by Ashley furniture. Identity stolen to open fraud account

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 2019-09-28
Company: Meade Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Meade Recovery Services is illegally attempting to collect a fraudulent debt from me from XXXX XXXX XXXX. I was double covered ( insurance ) during the time of my appt., and they did not bill either insurance. I have asked for documentation from XXXX XXXX XXXX and Meade Recovery, yet the neglect to send it. M

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax.Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is not being reported on my XXXX credit report and it 's affecting my credit.

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 2019-06-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CHASE CARD OPENED IN MY NAME ... PLEAE HELP! .. IDONT HAVE DATES OR TRANSACTIONS.. I FOUND OUT WHEN I PULLED MY CREDIT REPORT ... THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: PA
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 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 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 2019-09-28
Company: EQUIFAX, 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:
Just looked on my credit report today. Found XXXX XXXX, XXXX XXXX/ XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. This is untrue. I am part of numerous data breaches. I had identity theft. I reported this already. I never ever! Asked for credit never made these inquiries. These need to come off. XXXX and Equifax credit reports. At this time XXXX XXXX is not showing these inquiries. These inquiries was not made or done by me. This was unknown with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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 recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my XXXX XXXX. Please see the following items below : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/2022. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my XXXX XXXX. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my 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 non-monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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:
This is in reference to the company 's response to complaint XXXX. I notified you months ago that this account should not be reporting and you failed to remove the account. XXXX and XXXX removed the account so I am confused as to why you stated that the account was verified? Also the high balance you are reporting is incorrect. Remove the account XXXX XXXX XXXX from my credit report within 15 days.

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 2021-12-19
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX checked my credit report on XX/XX/2021 and I noticed some fraudulent accounts that's reporting to my credit report I attempted to reach out to the credit reporting agencies and I was not able to resolve the issues.

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 2021-04-10
Company: REGIONS FINANCIAL CORPORATION
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 numerous fraudulent accounts on my 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 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
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 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 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 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2020-11-29
Company: EQUIFAX, INC.
State: NJ
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:
This is my 6th request for Equifax to simply provide the documents proofing this debt is mines with XXXX XXXX aka XXXX XXXX XXXX. Equifax is the only credit bureaus that's keeping this debt onto my credit report .. this isn't my debt nor will you provide that it is. I have a complaint with XXXX  XXXX  aka XXXX XXXX  and it has been more that 60 days and still haven't respond back with any kind of proof yet Equifax is the only credit bureau keeping this on my file. I humbly ask that Equifax respond back with the documentation to proof this debt to be mines ... Even on XXXX the debt has no collection agency name on it ... I have also called the company that XXXX XXXX XXXX is saying I owe the money to and they have no record of such debt. 

I have attached all documentation. Showing that only you Equifax is keeping the debt on my credit report and always how it's not being reported correctly. 

I wouldn't want to take any legal actions. But, if Equifax doesn't provide documentation that is debt is mines I will do so. 

There are 3 accounts {$50.00}, {$410.00} and {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Arcon Credit Solutions LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX XXXX XXXX XXXX closed my credit account with them. Im not sure why but I was paying off the credit card. In my credit report the credit card was marked as a charge off and not collections. On XX/XX/XXXX I received a notification from XXXX XXXX that between XX/XX/XXXX and XX/XX/XXXX of XXXX that my account with XXXX XXXX XXXX was removed from my credit report from it being 7 years which falls on the statute of limitations here in Connecticut. 
A few days later I received a phone call and Text message from Arcon Credit Solutions LLC that I owe a debt in the amount of {$4300.00}. Then on Friday XX/XX/XXXX I received a letter from Acron Credit Solutions about an attempt to collect a debt. The mail was marked for XX/XX/XXXX and that I had until XX/XX/XXXX to dispute the debt. This doesnt sit well with me whatsoever. I do have proof that I received the collection letter on said date because I signed up with USPS informed delivery. I will include a screenshot of the email from that said day. I appreciate the help that I will receive. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Broke all laws regarding confidentiality agreement, One employee names XXXX XXXX.who lives in XXXX Texas, who is the cousin to Mrs. XXXX XXXX has started to monitoring and evaluation my mother 's account. Under State and Federal law this bank has failed to address our concerns. This one employee removed our power of ( POA ), ( XXXX, Texas ). Also have allowed other family members assets to my mother personal account with our my permission. I take care of my mother and I am very upset how this bank has handle her account. 
- monitoring, we need two forms of ID, Texas ID that help to open the account at the XXXX location was no good XX/XX/2019 -- -- -- - Who is monitoring the account XXXX XXXX refused to open the account then later changed his mine. 
We were told by one bank manager that if a person have the Social Security information of the party then the Bank will let anyone have XXXX to the account. 
We were told this at the Chase branch on XXXX XXXX in XXXX, Texas. 
We will be forced to close the account again due to the fact banking information is given daily on the account ending XXXX this is a new account but we have no power to control who gets infomation on this account. Any family member can get information if they have the social security number due to the fact all information is given out by one empoyee who has worked for the bank for years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Westlake Services, LLC
State: TX
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 didnt not authorize this company to run my credit.

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 2019-09-28
Company: EQUIFAX, INC.
State: LA
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:
Numerous requests for reinvestigation have been sent out to XXXX, Equifax and XXXX  regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.

Company response to consumer: Closed with explanation