BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: MI
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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

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 2022-10-18
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Credit Union reported 2 of my accounts as late for XX/XX/2019, however the information was incorrect and they have since corrected the information with XXXX but Trans Union & XXXX has not been corrected. According to the Credit Union they do not report to Trans Union & XXXX, however the 2 accounts show as delinquent with both reporting agencies.

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 2023-01-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Got a notice about a new credit card added to my credit report by COMENITYBANK/SONYXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX I have not authorized this credit card, or credit check by that company. The credit inquiry was done on XX/XX/2022, and reported on XX/XX/2022. 

I have called the company, and asked them to close the account. They had an address in another state for this account. They said that they are closing the account. But did not receive any confirmation, gave them my email address as well as home address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a follow up, I have already try to fix an Issue with EXPERIAN regarding Identity theft thru this website, as I previously said, on XX/XX/XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help from a friend of mine, I started a dispute process. 

On/or about XX/XX/XXXX, I started disputing the incorrect information on my credit report, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus 3 times already and there is still one item on EXPERIAN that they refuse to remove. 

On the section " Company 's Response '' they did not answer my question or they are not saying anything regarding the specific dispute. For your reference, the following account, reporting on EXPERIAN, does not belong to me ( circled on my attachment ) : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, with an alleged acc # : XXXX, an alleged balance of {$390.00}, allegedly opened on XX/XX/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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 non-monetary relief
Consumer complaint received 2022-10-18
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:
My name is XXXX XXXX, I have been a victim of Identity theft, and I am hoping the Consumer Financial Bureau and the FCRA can assist me getting my financial life back together. All the accounts listed below are fraudulent and should be deleted immediately.

WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT and nothing has been doneAccount Name : 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 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 2023-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a medical debt on my credit report, with the collection agency being noted as XXXX XXXX, with the debtor being noted as XXXX XXXX XXXX. It is noted that this account was opened on XX/XX/XXXX in the amount of {$980.00}. 

I was not even living in Pennsylvania in XX/XX/XXXX, I was living in XXXX for the first few months of XX/XX/XXXX then moved to XXXX in XX/XX/XXXX. There is absolutely no way this debt is mine. Furthermore, I have never been to XXXX XXXX XXXX nor have I ever received a bill from XXXX XXXX XXXX. 

I submitted a complaint with XXXX  and they did not remove this from my report. They stated that the debtor validated this debt, even though I told XXXX when I submitted the complaint that I have never been to this hospital. 

XXXX did a terrible job of investigating this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/21 I deposited a secure check. I was told it was a cashiers check. This was from my new employer. He overnighted me a check to deposit in the amount of {$9500.00}. The next day he asked me to get a cashiers check with that money for {$5500.00} and deposit it into his vendors account at XXXX XXXX so he could purchase office supplies and have them sent to me. On XX/XX/21 I received Notification from Bank of America that my account was negative. 
I contacted my new employer and he said that was impossible for it to not clear and would call his banker. He emailed me and said everything was ok and his office supplies were purchased and there must be something wrong on his part of the bank and would get back to me. He has not returned my calls or txt or email. I called XXXX and they said because I deposited the first check in my account I was at fault here. They said because I purchased the second cashiers check with the money I have to pay it back. I explain the situation to them I told them that I felt I was a victim of fraud here. They confirmed that the original cashiers check for {$9500.00} has been stopped from XXXX XXXX. Which is the bank that the first cashiers check was from my new employer. It was an XXXX firm. XXXX XXXX. The mans name is XXXX XXXX. His business is supposed to be out of XXXX XXXX. He says he lives in XXXX Or now. He said he was originally from 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 2023-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
couple weeks ago i get copy of my credit report and i noticed severals accounts that are listed on my report that never applied for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian, I called Experian and spoke to XXXX at XXXX on XX/XX/2023 He said my address needs to be confirmed with documentation. 

I tried to Upload a copy of my DL with my current address to Experian.com/upload - and that does NOT work. 

He said to then call back first thing tomorrow to have the address added again with the supported documents ( proof of address ) they said a DL with the current address would work but if you wanted to also include a utility bill or any other proof thats fine too. 

Attached you will find : - drivers license - social security card - proof of address Please update my address on file and correct this as soon as possible - I have tried to apply for credit and denied as they say they cant access by Experian file.

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 2023-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter of serious concern regarding what appears to be numerous, rapid attempts to correct the reporting status of late open accounts on my credit file. While I appreciate the swift action, I am deeply troubled by the frequency and speed at which these corrections are being made, as they seem disproportionate and raise questions about the accuracy of my credit report.

I have noticed several instances where the reporting status of late open accounts on my credit report has been corrected at an unusually fast pace. While I acknowledge the importance of accurate reporting, the speed and frequency of these corrections have raised concerns about the thoroughness of the review process.

Despite the rapid corrections, I have not received any communication from your agency seeking verification or authentication of the changes made. The absence of proper verification procedures raises questions about the accuracy and reliability of the reported information.

I request an immediate and thorough review of the corrections made to the reporting status of late open accounts on my credit file. I seek transparency and assurance that each correction has undergone a comprehensive verification process to ensure the accuracy of the information.

I kindly request that your agency provide me with a detailed explanation of the procedures followed in correcting the reporting status of these accounts. Additionally, I would appreciate regular updates on the progress of any ongoing investigations into these matters. 

To facilitate your review, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
This is my 13th 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, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WY XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXXXXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX INFORMATIVE XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After receiving the response from 5th 3rd bank stating that they needed more information to accommodate my XXXX. I contacted the bank the best way I could for equal access. I first spoke to XXXX, who indicated that since I had made a CFPB complaint she could not help me and that only persons who were not at work could help. She refused to serve me. She did transfer the call to XXXX, I asked XXXX what info they needed. She said they needed to know the type accommodation I was seeking. I told her " effective communication '' she said that I needed to be more specific, I tried to explain the difficulty I have with access but she refused to accommodate my XXXX and refused any process to figure it out. Instead she shifted the burden to me and told me I had to be more specific. I told her we could start at CFR 35.160. She refused to look it up. And refused to further the process to accommodate my XXXX. 5th 3rd bank also lied to the CFPB regarding the insurance requirements. They are now charging me {$2300.00} per year for insurance. They said they they are taking the insurance payments out of my escrow acct. In the end they hung up on me after telling me they would hang up on me. They refused to serve me at the time I needed and are still charging me for insurace on a home that burned down. I also no longer have access to my escrow for the home rebuilding. They have removed my access saying I can only speak to " XXXX '' yet my acct is at 5th 3rd. When I call the president office they do not verify who they are speaking to and make assumptions based on caller ID. Since caller ID can be spoofed, this compromises my security as it could be anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: EQUIFAX, 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:
XXXX XXXX XXXX reported to Equifax credit reporting agency that I was 30 days late on a payment on XX/XX/2018. The fact of the matter was that their system which processes payments was not working properly and as a result did not process payment in a correct manner.I was repeatedly entering my account number and the system was repeatedly saying the incorrect account number back through the automated system. 
I have repeatedly tried to correct this matter however all my efforts have had negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sequium Asset Solutions has repeatedly called me after I told them I would settle the account. After too many phone calls, I blocked their phone number. I was offered a settle via e-mail on XX/XX/2021. Once, I blocked their phone calls, they decided to report this account to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I filed a complain with IMPAC MORTGAGE COMPANY and until today I still not receive from them the disclosere of why I was XXXX know its a state law to provide me in 3 days those discloseres..Today is the XXXX of XXXX and I still not receive the documents.I was refused on the XXXX XXXX XXXXBecause of the stress that this company put us true ( see complainXXXX ) my wife has a XXXX XXXX XXXX and because of the intense stress that IMPAC MORTGAGE done to us we XXXX XXXX XXXX.Is not normal to do things like that to people.With no reason they are declining loans.Until today no answers why.I think this is discrimination.

Company response to consumer: Closed with explanation