BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: REISENFELD & ASSOCIATES LPA, LLC
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
REISENFELD & ASSOCIATES LPA XXXX has filed a case on behave of XXXX XXXX for a debt not owed. I never had a contract with XXXX XXXX  or REISENFELD & ASSOCIATES LPA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XXXX : {$360.00} XXXX XXXXXXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX : {$100.00}

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 non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2023-08-10
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:
Back in XXXX, I was frauded in several ways, and somehow these accounts have appeared on my credit report : XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX. I have never shopped at either of these companies, yet I just got a notification from XXXX XXXX that my XXXX XXXX line of credit has been reduced because of delinquent payments on these accounts. I don't know how to correct this mess. Please advise. I need these removed from my Experian credit report. I have tried contacting them, and they said they would research this 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 2019-04-11
Company: EQUIFAX, INC.
State: NC
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 requested credit investigations on XX/XX/XXXX. Equifax and XXXX XXXX were supposed to respond within 30 days but have not. Its been over 45 days, and I still haven't received anything from Equifax and XXXX XXXX. XXXX  did respond in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I was never late on these accounts. There are multiple errors shown in my report. Please check the last payment, the account number, etc. These are good standing accounts. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$13000.00}

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 non-monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX IS IN VIOLATION OF MY CONSUMER RIGHTS. XXXX XXXX WILL NOT REMOVE FRAUDULENT ITEMS OFF MY REPORT AND HAS ALL THE EVIDENCE. I H AVE SENT IN PROPER DOCUMENTATION TO RMOVE ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRIES AND XXXX XXXX HAS VIOLATED MORE LAWS. XXXX XXXX IS IN VIOLATION OF : XXXX ) 42 USC SECTION 408 - PENALTIES 2 ) 42 USC SECTION 405 ( c ) ( 2 ) - EVIDENCE, PROCEDURES, AND CERTIFICATIONS 3 ) 15 USC 1601 - TRUTH AND LENDING ACT 4 ) 15 USC 1602 ( g ) - DEFINITIONS AND RULES OF CONSTRUCTIONS 5 ) 18 USC 1028 A - AGGRAVATED IDENTITY THEFT 6 ) 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 7 ) 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 8 ) 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 9 ) 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 10 ) 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 11 ) US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 12 ) 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 13 ) 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 14 ) 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 15 ) 42 USC 408- ALSO ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! I WILL BE SEEKING {$1000.00} PER VIOLATION, DAMAGES AND PAIN AND SUFFERING.

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 2022-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX. PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I paid off a 0 % promotional loan from BANK OF AMERICA, paying early, before the 0 % credit card rate would have ended this coming XX/XX/XXXX. I paid them {$2300.00} by check from my personal bank account. Today ( XX/XX/XXXX ) I got an email from B.0.A. that my credit card account has a credit of {$170.00}. When I logged onto my account with them to find out why, I discovered that instead of {$2300.00}, they had given themselves {$2500.00} from my bank checking account, with no explanation. I phoned their customer service to ask why they did this, but none of what they said was applicable to my case, so their agent offered to send an eft refund check for the {$170.00} to my bank account, which he did, saying it will take 2 to 5 days to clear. However, he still had no explanation as to how this over-payment from my account occurred.

While my problem may now be resolved, my complaint remains : B.O.A. gave itself an interest-free loan of {$170.00} from my account, without my permission, not notifying me until today 's email message, which could have caused my checking account to be overdrawn. I am notifying you of this scam in case you have other such reports, if you need to take action against such a practice by this and/or other banks.

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 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 requested credit investigations on XX/XX/XXXX. XXXX and Trans Union were supposed to respond within 30 days but have not. Its been over 45 days, and I still haven't received anything from XXXX and Trans Union. XXXX did respond in a timely manner.

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 2022-09-18
Company: Experian Information Solutions Inc.
State: VA
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:
Dear CFPB, I'm writing out of desperation. 

I'm a Bank XXXX XXXX customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird thaXXXX XXXX XXXX  XXXX didn't notify immediately but instead waited 1.5 so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called XXXX and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a 727 to a 620. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a 620 score, I won't qualify for housing and am looking at the possibility of being XXXX. I'm trying to rectify this situation and would appreciate your help. XXXX XXXX XXXX needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect XXXX is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and XXXX 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold XXXX XXXX XXXXXXXX accountable. 

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 2023-08-10
Company: Experian Information Solutions 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 17th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXXXXXX {$6400.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX I, XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: U.S. BANCORP
State: OH
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX U.S. Bank XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX U.S. Bank Home Mortgage Attn. Credit Bureau Disputes XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX : Request for Credit Bureau XXXX XXXX for Loan # XXXX secured by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Ohio XXXX. 

Dear Research Department, This correspondence is in response to our recent conversation and is a follow up to my complaints and many attempts to get U.S. Bank ( the bank ) to report my credit standing to the three major credit agencies. I am requesting that the bank make a correction to my credit file at all three credit reporting agencies ( XXXX, XXXX  and XXXX ) effective XX/XX/XXXX to the present and each month hereafter. 

I purchased this property in XX/XX/XXXX. Since that time, I have made my monthly mortgage payments on-time, every month for six years. Due to certain circumstances, I filed for Chapter XXXX Bankruptcy in XXXX ; all the while continuing to make payment. In/or around XXXX of XXXX, US Bank Home Mortgage not only stopped reporting these payments to the Credit Bureaus, they also pulled all previous on-time payment history. 

I was informed that if I were to refinance my loan then they would once again begin their Credit Bureau reporting. 

There is a triple/if not quadruple whammy going on here XXXX not in my favor ). First : payments are no longer reported ; second : all previous payment history is pulled ; third : with the bankruptcy, the pulled history, the non-reporting ... leading to the fourth hit : a much lower credit score ... will US Bank now refinance the loan as suggested by customer service? I tend to think not. No bank would. 

I believe/know, that this policy by US Bank is not right and needs to be corrected. 

Again, this is an Formal Executive Complaint. 

Thank you for your alacrity regarding this matter. 

Regards, XXXX XXXX XXXX ( C ) 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 2021-04-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX put me in the CHEXSYSTEM due to SUSPECTED FRAUD. So I got my Chex system report and it says that I deposited counterfeit checks. In the amount of {$990.00}, {$880.00}, {$920.00}, {$890.00} and XXXX. I have reached out to both CHEXSYSTEMS and XXXX  XXXX XXXX TO FIX THIS PROBLEM. I have asked countless number of times to launch a thorough investigation into this case of SUSPECTED FRAUD and COUNTERFEIT CHECKS. I have asked asked for proof and evidence but still they will not take me out of the CHEXSYSTEMS data base. The reason this is so stressful is because of this CHEXSYSTEMS report by XXXX XXXX XXXX I can not open up any checking accounts at any other financial institutions. I feel like I am being taken advantage of because the XXXX of my skin. Im a young XXXX man that cant open up a bank account due this report. I have sent them complaints several times! 

I NEVER COMMITTED TO ANY OF THERE FALSE ACCUSATIONS AND THEY CANT EVEN DO ME THE CURTSEY OF A FAIR THOROUGH INVESTIGATION THAT PROVES THAT I DID THIS.!

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 2022-10-28
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$7500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation