BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 4th 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. 
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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 2021-01-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX I sent letters to experian, XXXX  and XXXX  requesting for the following inquries to be removed from my credit report under the fcra & the reporting time has reached 2 years and it has not fallen off my report. I called the companies XXXX which has been on my report since XX/XX/XXXX on experian which should have fallen off already, XXXX  XXXX  which has not been able to provide me with information that I authorize them to pull my credit and I dont know who they are. They said that experian has to remove it. XX/XX/XXXX. I spoke with XXXX XXXX  and they said XXXX and XXXX  has to remove it. XX/XX/XXXX. cap one on XX/XX/XXXX on XXXX  and cap one na on XX/XX/XXXX on experian has to be removed by them and cap one XX/XX/XXXX transunion is suppose to be removed by transunion. I have addressed these issue and still no response about the inquiries removal which is hurting my score and ability to obtain other financial options that I want to explore.I resent letters again about the removal of inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX-XXXX Inquired XXXX XX/XX/2021 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  Date Updated : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete 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 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I am writing to report a concerning incident in which an account was opened with Bank of America without my consent. I have recently discovered that an account was established in my name, and I had no knowledge of or involvement in this process. This unauthorized account raises significant security and privacy concerns, and I am deeply troubled by this breach of trust. I kindly request your assistance in investigating this matter and taking appropriate action to rectify the situation promptly. Your prompt attention to this issue is greatly appreciated.

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 2019-12-06
Company: EQUIFAX, 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:
1 ) TD XXXX XXXX XX/XX/2018 ... 

Dear Credit Reporting Agency I am a victim of identity theft, Im writing too dispute the following items on my credit report.

Each of the following and transactions Im disputing were open and made by someone other than myself. I have contacted there companies and none of them have provided me with any documentation verifying that these accounts belong too me or that I signed for them. I never authorized, used or benefited from these accounts or transactions in any way. Please provide me with documentation or remove inaccurate information immediately from my report ; Im a veteran who served his country with great courage and valor I deserve better ( again ) Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capita One credit card. I was not using the credit card. Unfortunately there was an recurrent charge that applied to the card that I was not aware of. Later I called for waiver and make the payment. Agent told me he placed an case to review the request on XX/XX/XXXX. later I didn't receive any update on the request. I also see agent did not make the payment that was due on XX/XX/XXXX. Again imposed another late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am distressed that I have included the information below in my credit profile and that the credit union have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I sent the first letter to verify the information on XX/XX/2023. and I still haven't received any information on the accounts on my report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report. 

XXXX following account is not mine XXXX  Account XXXX Please remove it from my credit report. 

XXXX following account is not mine XXXX XXXX, XXXX Account XXXX Please remove it from 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 2021-11-29
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX from Receivables Performance Management LLC ( RPM ) alleging that I owe a debt in the amount of {$1900.00}. The letter identifies XXXX XXXX XXXX XXXX ( XXXX ) as the creditor and XXXX XXXX XXXX ( XCL ) as the original creditor. I have never received any demand for money or allegation of debt from either XXXX or XXXX. I have never done business or had any contact with XXXX. ( Details regarding XXXX will follow the next paragraph. ) In my XX/XX/XXXX reply letter to RPM, I expressly disputed the validity of the alleged debt in its entirety and demanded, among other things, a full explanation of the factual circumstances in support of the alleged debt, specifically how and when the debt was created. I also demanded a copy of all documents that prove the existence of the debt. In its XX/XX/XXXX reply letter, RPM fails to respond to any of my demands, but instead simply breaks up the alleged amount of {$1900.00} into components, and changes the alleged original creditor from XXXX to XXXX. 

I recognized the name XXXX as a XXXX for XXXX XXXX, an auto-leasing business associated with XXXX XXXX XXXX XXXX XXXX XXXX ) but is now defunct. I leased a vehicle from XXXX in XX/XX/XXXX ( a two-year lease ) XXXX XXXX for XXXX. When I leased the vehicle, I was told by XXXX that I could terminate the lease at any time without penalty, except XXXX would keep my security deposit ( which I believe was around {$250.00} ). At some time near the end of XXXX, XXXX unexpectedly terminated the lease unilaterally and demanded immediate return of the vehicle, without explanation. All monthly balances under the lease had been fully paid. XXXX again told me that I would not be responsible to pay any amount for the remainder of the lease, and that XXXX would keep my security deposit. I returned the vehicle to XXXX in XX/XX/XXXX. I requested but did not receive written acknowledgement that the vehicle was returned and I was not responsible for any more payments. XXXX never contacted me again, and never alleged that I owed them any debt. The XX/XX/XXXX debt collection letter from RPM is the first communication I have received from any party relating to the XXXX XXXX since I returned the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: AFNI 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:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Flagstar Bank, N.A.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Tuesday, XX/XX/2021, our attorney XXXX the first check to cover the damage sustained to our home as a result of Hurricane Ida. The check in question was received by Flagstar on Friday, XX/XX/2021, at XXXX XXXX., and was signed by XXXX XXXX. The XXXX  envelope contained a pre-paid XXXX return envelope to our attorney 's office. 
- As of to date, my insurance proceeds ( $ XXXX ) are in some type of purgatory at FlagStar 's Loss Draft Department. We have made numerous calls and emails to get a status on when our proceeds will be released from the " XX/XX/XXXX '' - Between myself and our attorneys office, we have complied with any and all request to date. BUT!! Still no insurance proceeds have been released to date. The longer this financial circle XXXX continues, the damages to our home are only getting worse. How does homeowner explain to their insurance carrier, that the home has sustained great damage as results of Flagstar 's delay? 
- As of writing this letter, I have been displaced for awhile with my husband and animals to an efficiency at the nearest hotel. I would just like to get rebuild home and get on with my life. 
- Any assistance or help your agency can offer, would greatly appreciated. 
- With kind regards, 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 2023-09-08
Company: TRUIST FINANCIAL CORPORATION
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am a Truist mortgage customer because my mortgage was purchased by them. I have not missed any payments and have always overpaid. Truist escrows and pays my homeowners insurance directly. They were billed in advance and did not pay by the date due. This triggered a Truist letter informing me I had not paid my insurance and threatening to charge us considerably higher rates for their insurance and requiring a number of different documents. I work long hours and cant contact Truist past XXXX pm so there is no way to do this for me other than their automated system which I have tried to use. They then triggered another paper communication thanking me for paying my insurance which they did. The communications are not only inaccurate but incredibly abusive to customers. I have since received communication from my insurance company informing me that a payment is still due ( it was due over a week ago ). This is very frustrating and time consuming and it feels deceptive to customers.

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 2023-07-31
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: Personal information incorrect

Complaint:
Subject : Urgent Dispute of Erroneous Account under FCRA Section 611 15 USC 1681 Dear Sir/Madam, I am writing to dispute an erroneous account that has been on my credit report since XXXX, stemming from a time when my personal information was stolen during the pandemic. Despite multiple attempts to rectify this issue, I have received no assistance or resolution from your company. 

This inaccurate account has caused repeated credit denials, significant financial hardship, and even contributed to personal and family distress, including a divorce from my wife of 6 years and other challenges with my child. 

Under FCRA Section 611 15 USC 1681, I have the right to accurate credit information and to dispute any inaccuracies. I urgently request a thorough investigation into this matter and the immediate removal of this account XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX from my credit report. 

Please act promptly to address this situation and provide me with updates on the progress of my dispute. I expect a resolution within the timeframe mandated by law the stress level and distress I have acquired over the last year is taking a toll on me. 

Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
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:
Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : XXXX, XXXX, and Transunion. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to XXXX, Transunion, and XXXX, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the XXXX  account will be deleted from all three credit bureaus : XXXX, Transunion, and XXXX. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: MS
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 letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information in my credit report., I am distressed that after several attempts to have this information properly justified, Experian continue to include the information below in my credit profile. Experian has failed to maintain reasonable operation procedures to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information did not meet these standards. 

US BKPT CT MS XXXX, ID # XXXX, Amount- {$000.00}, Date Filed-XXXX, Status- Chapter XXXX Bankruptcy Discharged Therefore. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. The item above I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. 

As documented on XX/XX/2020, the court stated on the phone to me that they do not disclose such information to credit agencies such as XXXX, XXXX, and Experian., and referred me to their website policy indicating the same in writing ( a copy attached to this dispute ). And due to the court admitting that they did not disclose this information to any credit agency, the credit agency in questioned has failed to provide proof that this account belongs to me, and I demand that this information be removed. 

Please delete this misleading information and supply a corrected credit report to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2022-08-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022

Company response to consumer: Closed with explanation