BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sir, Experian wants to give me a credit card. I do not want a credit card because then I have to pay back my money to them ... 

I want my money. They took me my money ( which is a robbery ). Why do I have to get a credit card and lose my money??? I am going to talk to my Lawyer. She is helping me with the amount from XXXX. I will talk to her about this. For me, this is a robbery. It is my money. She was not supposed to get my money!!! 

I am not sure if you understand me, but this is terrible. If it is my money, they need to pay me ; not to get a credit card and used my money and then I would have to pay them back. I am not an 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 2023-01-27
Company: EQUIFAX, INC.
State: IN
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 investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I know hard inquiries on my credit report without my authorization. XXXX  XXXX ( Its on there twice ) ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Finance ) On here twice ) XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX Some inquiries on on my report twice.

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 2021-06-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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: Account information incorrect

Complaint:
The credit reporting Agencies illegally allowed XXXX XXXX XXXX, to continually add late payments to my account after they charged off the account. When this account started reporting as closed there should not have been any more delinquencies, but this account has been continually reporting late payments. This account has been closed since XX/XX/XXXX and my credit reports are showing late payments up to XX/XX/XXXX. This account is also showing as a charge-off since XX/XX/XXXX, but again the credit bureaus are continually allowing this company to illegally report late payments, that's impossible to late on a closed 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 2018-08-10
Company: Pendleton Capital Management
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Was contacted by XXXX, a representative of Pendleton Capital Management ( also doing business as XXXX XXXX XXXX ). XXXX stated that there was a bill that was past due, and I asked him to explain what it was for. 

XXXX stated that it did not matter and that if I did not pay him by XXXX XXXX  that he would contact the Florida State Attorneys Office and have criminal charges filed for prosecution. XXXX also stated that fines could be in upwards of {$3500.00}. 

I was very upset, and hesitantly I agreed to make the payment of {$160.00} to resolve the debt. I received 2 emails from their company. 

After the bill was paid there was an email sent stating the debt is satisfied and that I am to release XXXX XXXX XXXX of any liability. I do not agree with this statement. 

I feel this was handled completely unprofessionally and that atleast two debt collection practice laws had been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've went online many times for over a year on XXXX, XXXX and Experian disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off 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 2023-07-07
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Daily phone calls beginning in XX/XX/XXXX. 
Mutiple phone calls a day starting in XX/XX/XXXX. 

Receiving phone calls from the following numbers : XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX I eventually had to place 5 numbers on a 90 day block due to the increased frequency of calls each day. One number will also call, and a few hours later I will receive a call from a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in Florida, since we had XXXX XXXX I heard on TV that the banks will provide a relief to Owners in order to wave three monthly mortgage payment, I called Bank Of America who own my mortgage and they explained that I will to pay a lump sum on XXXX, the three monthly payments and the fourth Monthly ( XXXX ), I request help because I can not pay my next mortgage Payment and they provide only postpone the payments but immediately due at the fourth month, I request to the representative of Bank Of America to get in writing the terms of that relief and he refused to provide the terms in writing, he said, if you agree I can set up this temporary change, but I have to trust only verbally what he says is all about, I wonder if I can not pay the whole amount in XXXX what will be the consequence since no documents in writing are available. 
I think this bank is not really interested in provide in these hard times any kind of relief because what they offer is not really help to the people in needs right now, Please I beg your help in this matter to try to get the helping hand we really need, thanks so much.

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 2022-06-11
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calling during my work hours i really feel like they wear harassing me caused me to go into XXXX  for a while i feel i should accommodated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
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: Account status incorrect

Complaint:
XXXX XXXX IS REPORTING A DELINQUENT ACCOUNT CLOSED AND PAID AND SHOULD BE DELETED AND STILL REPORTING ON MY CREDIT PROFILE AND SHOULD BE DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in process of refinancing my home I was approved and ready to close XXXX XXXX. I got a call from XXXX XXXX ( home loan mortgage consulten XXXXfrom Wellsfargo ) saying he could get me a better rate if I stay with wellsfargo. I agree to stay with wellsfargo but I didnt want to pay for a another appraisal. XXXX XXXX told me he would pay for the appraisal when we close on the house, Month went by and I get a call from him telling me I could only get approved on a 6 % rate not on a 3.875 which we agree in the first place. I wouldve not chance my mind if he didnt lie to me and told me he was able to pay for the appraisal and give me a better rate. It was very stressful and I lost XXXX dollars and I was not able to refinance my home after months and months of waiting. He was no were to be reach and did not return my money for the appraisal. I believe Wellsfargo took advantage of me and my family.

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 2023-05-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This 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 particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

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 2023-05-08
Company: EQUIFAX, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE BELOW ARE A LIST OF INQUIRIES Removal XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX I Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
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:
I have filed a police report at the XXXX XXXX police department and gave all the suspect information relating to me being victimized by identity theft. 
XXXX XXXX at XXXX XXXX POLICE DEPARTMENT. BADGE # XXXX POLICE dept PHONE : XXXX For years I have attempted to remove these fraudulent items from Equifax. They will not comply by Federal law and remove the items.

Total amount taken exceeds 100,000.

6 accounts were opened in my name, money was spent, and I still suffer due to the fact Equifax will not honor the request by XXXX XXXX police and use my identity theft report to block these negative items. 

How many years do I have to wait before my life gets back on track? Why will they not do what they are supposed to do? Ive lost 1000s of  hours of my life dedicating to try to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I purchased an XXXX XXXX XXXX XXXX XXXX for {$7000.00} with XXXX miles. On XX/XX/XXXX my wife noticed a power loss in the vehicles driving so she came home and then the vehicle was dead ... I then went online and checked for a XXXX for this vehicle and found that 30 Days before in XXXX of 2018 this vehicle was sold at Auction with XXXX miles. I called the Dealer and they acused me of Buyers Remorse and would not listen to my Complaint about the XXXX and the mileage. 
I Paid this purchase with my Debit Card from Bank of America. So I called the Number on the card, told them what happened and they recommended me to go to our local branch and submit the Buyers Order and XXXX to the Fraud Department via Fax from the bank. We did and that was on XX/XX/XXXX ... By XX/XX/XXXX the Bank did a temporary credit of {$7000.00} the Full Purchase Amount and we were told this would take about 60 days to finalize. As of XXXX The Credit was reversed and the wheels are turning to Award the Dealer with the Full Payment. Yesterday, XXXX XXXX I was on the phone with the Fraud Dept. AGAIN. Telling my story AGAIN and they said the case was being Escalated AGAIN but No one seems to be looking at my Paperwork which proves that I have been Defrauded of {$7000.00} ... The Bank Claims Publicly that they are on our side, Against Fraud, and will Stop at no means to bring the criminals to justice but they fail the look at my Paperwork ... ..WHY??? Bank of America Claim # 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 2021-10-08
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer for a credit card fro Citi in XX/XX/2018. They offered e a {$200.00} statement credit. I applied for and received the card. I used the card for the required purchases. I have contacted them 5 times and they can not tell me when they will issue the credit. They tell me to call one number after another. No one can help, either they have no idea, and tell me to call tomorrow, or their system just crashed and to call in 2 hours

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 2020-10-19
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: ND
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 been sending out letters to the Bureaus to delete those inaccurate information on my credit report especially all those student loans account, they all have different Date of last Active. I haven't received any response regarding these accounts. This stops be of getting approved for any credit and they are hurting my scores.

Company response to consumer: Closed with explanation