BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
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: Account information incorrect

Complaint:
I reported the following accounts to all 3 credit bureaus : XXXX - {$1900.00} XXXX - {$1200.00} XXXX XXXX XXXX - {$2000.00} XXXX - {$180.00} XXXX - {$240.00} These accounts were reported on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 Each letter I sent to the credit bureaus have been with no response. 

I sent letters exercising my rights to request identifying information about these accounts. I also sent letters to exercise my rights to request the method in which these accounts were verified. I have not received anything from the credit bureaus. I always allow sufficient time for my request to be investigated but they are never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems Inc reported that I owe them {$150.00} when I stayed with XXXX XXXX XXXX XXXX XXXX. However, the debt actually belongs to someone else who stayed at XXXX XXXX XXXX XXXX Apartments but left even before I moved in. We have the same last name and our first names are similar. The first XXXX letters of the first names are the same. This might have caused the company to think that we are the same person. 

I entered the United States in XX/XX/XXXX for the first time and moved into XXXX XXXX XXXX XXXX Apartments in XX/XX/XXXX. However, this charge was caused by the previous tenant when they moved out on XX/XX/XXXX. I have US customs documents to prove this, if necessary. 

In XX/XX/XXXX, a debt of {$150.00} showed up on my credit report. XXXX refuses to remove the debt off of my credit report. So I had to contact National Credit Systems ( NCS ). NCS sent me the files including the itemized charges and the lease on their record. All these files show the previous tenant 's name on it, not mine. I disputed to them, sending my id, trying to prove to them that I am not the debt owner. I even sent them my US customs documents, showing that I had never even entered the US until this point. Still, they say that this is not enough, and I need more proof. 

This issue also happened in the past with this same person. They owed XXXX XXXX XXXX {$550.00}. This caused a mess to my credit report and I noticed it when I applied for my first credit card in XX/XX/XXXX. I called the main credit bureaus such as XXXX and XXXX to remove the debt for me. They did, without issue. 

The debt owner and I do not even have the same name and she moved out before I even entered the US for the first time. 

In the attached documents, you can see that debt owner and I are completely different people. 

Description for the attached documents : XXXX. XXXX XXXX- shows the debt information including name, amount, account number and the unit number of the XXXX XXXX XXXX XXXX apartment. ( All this information shows the debt owner is not me. ) XXXX. Itemized Charges {$150.00} from XXXX -- shows the charging details. Again, the listed residents are not me. 
XXXX. XXXX XXXX Disputer.pdf -- This is the lease I signed with XXXX XXXX XXXX XXXX apartment for unit XXXX, starting from XX/XX/XXXX. 
XXXX. XXXX XXXX Debt Owner.pdf -- This is the lease the debt owner signed with XXXX XXXX XXXX XXXX apartment for unit XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
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: Their investigation did not fix an error on your report

Complaint:
Called and disputed online on multiple occasions about fraudulent inquiries and an account from crest financial that is not mine and that i did not authorize.

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 2020-02-03
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: Information belongs to someone else

Complaint:
XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX XXXX  : Account Number : XXXX -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   : Account Number : XXXX -- >Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX  XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -Opened XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL 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 2023-09-19
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Several authorized inquiries on my 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 2022-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This is my second complaint. I have had to visit Bank of America in person to have this issue resolved. I am the victim of identity theft. I have frozen my credit reports and with XXXX ; nonetheless, another account was opened in my name ending in XXXX. I received a debit card for this account via mail and hence, learned that an account was again opened fraudulently. I received an email from Bank of America that a bank account application was in process yet again. When will Bank of America start to check identification before allowing criminals committing fraud to easily open accounts online in the name of victims of identity theft? Why is it that when I call Bank of America I am told that there are no accounts in my name, but when I visit a local branch, I am told otherwise, that in fact there is an account open in my name? Why must I take time off from work to visit a local branch to have these issues rectified? At this point in time, I am done attempting to have this issue handled through Bank of America. I am contemplating seeing an attorney unless this matter is resolved permanently. Bank of America should show a greater level of concern for fraud - after all, it not only the victims of identity theft being swindled, but their very bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had 3 purchases from a 3rd party on my citi card. I called citi to dispute and they took off and today I noticed 2 charges were added back on. I called in and was advised that citi returned the charges back to me because they said the purchase was in my name. I never purchased with third party and I use to like this card but now I will be paying off balance and closing account. Citi clearly doesnt support their customers. How you took off charges of all 3 and then only added back 2?? And say Im responsible for charges??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBS Collections and I settled this debt back on XXXX2022 yet they continue to report the debt on my credit report. According to the settlement, they were supposed to dismiss the claims and remove them from my credit report. However, they continue to report this debt to both collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: WELLS FARGO & COMPANY
State: HI
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 credit card with WELLS FARGO I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO with no successful resolution. XXXX, XXXX, XXXX  only reporting me 30-day late payment. There was an error on their part. I was never 30 days late.

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 monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XXXX  XX/XX/2022 XXXX Inquired on XX/XX/202XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/20XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent numerous dispute letters to XXXX  on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. XXXX has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring 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 2017-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit card account ending XXXX with XXXX XXXX XXXX USA is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo sends out next payment form shortly after making a payment. I had gotten in to the habit of sending another payment shortly thereafter. Got ahead in my payments. My next mortgage payment is due XX/XX/2019. 
I've been looking into refinancing and Wells Fargo was in consideration. Last week I asked what happens to the payments I already made if I terminate the loan and refinance with Wells Fargo or another lender. My statements reflect that my payments and the extra I always add to payments has reduced the principal. However, I want to know what happens to the payments in advance regarding interest. Some lenders have said they would have to reimburse others are not sure. The Wells Fargo representative has been trying to find an answer. After telling them I was filing with CFPB, I received a XXXX from XXXX XXXX, Senior Vice President Wells Fargo Home Lending. It states : " It's our goal to complete the necessary research and provide you with a response by XX/XX/2019. '' Why does it take so long to provide an answer? I'm reluctant to re-finance until I have an answer.

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