BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Southwest Credit Systems, L.P.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
SW Credit is trying to collect on a debt that is included in my bankruptcy. The original debt is to XXXX XXXX and they are included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
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 a victim of identity theft. I filed a police report back in XXXX. I have been going back and forth disputing A XXXX auto loan that does not belong to me and the bureaus took the account off on XX/XX/XXXX then reinserted the account. I need for the account to be removed immediately because it does not belong to me and is affecting my everyday life. XXXX XXXX is stating that I owe {$24000.00}. I have continued to dispute the accounts with Experian and XXXX  multiple times. Please remove these items 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 2022-04-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My Loan XXXX issued a preapproval again on XX/XX/XXXX for the purchase price of {$220000.00} loan amount XXXX told me on XX/XX/XXXX I didnt have to pay anymore debt off and gave me a good faith estimate on XX/XX/XXXX telling me I was good to go.. then XX/XX/XXXX I was issued a mortgage commitment letter telling me I had to suddenly pay off and close out the following accounts XXXX XXXX number XXXX {$5800.00}, XXXX XXXX  {$4900.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX  XXXX Stores {$1200.00} . Also then had to pay off my XXXX XXXX pilot down to a balance of {$2800.00} on or about XX/XX/XXXX then 1 month later on XX/XX/XXXX was told by XXXX that I had to pay the balance on the XXXX XXXX pilot which was {$2600.00} as well as previously paying my XXXX XXXX Credit Card on XX/XX/XXXX for {$13000.00} come to find out I didnt have to pay any of this debt off because from day one and XX/XX/XXXX he should have figured out that my debt to income ratio would not work considering my income of {$2800.00} to Pay a mortgage of {$1500.00} which is about .54 % DTI and I have All copies of all loan commitments and XXXX different closing disclosures now 71 days into this and have no other choice but to switch lenders because Im borderline to lose this house. Also my XXXX XXXX XXXX had to be paid account ending in XXXX and XX/XX/XXXX in the amount of {$4800.00}. 

We are talking a lot of emotional distress physical, inconvenience on me my mother and stepfather who eventually had to cosign on or about XX/XX/XXXX Which was well over 60 days for bank to figure out that I finally needed a cosigner that is inexcusable and unacceptable especially for a guy with 30+ years experience in the same business. I still have a ton of documents to submit I will be here for hours but thanks for your time and prompt attention to this matter have a great night!! 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect on 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 2023-03-15
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I am in the process of buying a vehicle at my lease end from Volkswagen Credit. On XX/XX/XXXX, I mailed the package of required documents including a certified check for the purchase via XXXX XXXX. On XX/XX/XXXX, I called to confirm that all was in order and was told that all documents were properly completed and that my check had been received. I was also informed for the first time that processing would be at least 4 additional weeks because of a backlog. This is unreasonable and unacceptable. Volkswagen Credit now has my money and no doubt earning investment income from it. At the very least I should receive some amount representing the interest I did not earn on these funds. What's more, if Volkswagen Credit is more than a month behind in processing, how much is the company holding in customer funds and are they earning money on those funds?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have repeatedly sent complaints against ARS collection agency. Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. ARS ( Account Resolution Services ) does not have an " active '' bond filed. ARS has stated they are doing business under another agency name XXXX, which also does not have an " active '' surety bond filed with the State of Texas. The results from my complaints are on file with the Consumer Financial Protection Agency.
ARS ( Account Resolution Services ) is the company reporting on my credit file. I have filed a complaint with the Better Business Bureau of Ohio, as well. The company changed status of some of their accounts on my credit file from " Open '' to " Closed ''.
I have also filed a fraud complaint with the Attorney General of Texas, after a follow up call with the Secretary of State of Texas.
All these actions that I have taken have occurred between XXXX 2017 and XXXX 2017.

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 2019-12-30
Company: Experian Information Solutions 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 a XXXX XXXX XXXX account for {$4600.00} reporting on my credit, that is not my account. XXXX XXXX 2019, I submitted ; FTC report, police report along with a personal statement from myself to Experian. I checked my Experian online account on XXXX XXXX, 2019 and I had received a confirmation from Experian that, they have received my documents to dispute XXXX XXXX XXXX. On XXXX XXXX, 2019 Experian removed XXXX XXXX XXXX from my credit file. Has of XXXX XXXX, 2019, XXXX XXXX XXXX has been resubmitted on my credit profile. On XX/XX/2019 at XXXX I talked to XXXX ( Team XXXX, Supervisor ) with Experian and I was told ; XXXX XXXX XXXX  never did provide them with any type of proof, but XXXX XXXX XXXX did say that the account was my account and Experian has no obligation to verify that the information being reported by XXXX XXXX XXXX  is accurate. XXXX refused to help me with this item reporting on my 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 non-monetary relief
Consumer complaint received 2020-12-16
Company: BARCLAYS BANK DELAWARE
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX, on XX/XX/2019, XXXX XXXX XXXX XXXX and on XX/XX/2019, BARCLAYS BANK DELAWARE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: DE
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:
The credit report have the wrong name. address and phone number on my credit report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX De XXXX and phone number is XXXX. The other information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions 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:
Someone has been applying for credit using my personal identity without my authorization and consent. I have contacted the creditors and the credit bureaus, however no one seems to be wanting to help me out. I have also placed a fraud alert on my credit report ot stop any further fraud from occurring. I have disputed the fraud inquiries countless amount of times, however the credit bureaus do not want to help me. I have ALSO filed a police report! 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My daughter who now oversees and manages my finances made me aware that the loan for my home has been the sane for the last 17 years or so. Looks like I was not properly informed of the product chosen. I have been in an adjustable interest only loan. Washington Mutual was my original mortgage broker. I requested a refinance and was conned into this interest only loan. It has been a very long time so I do have a specific memory of what happened. This type of loan should be against the law. I believe at the time there was a market crash and I was looking to refinance. My daughter feels I was taken advantage off. She feels this is senior abuse. When I tried speaking with the bank, they said there was nothing they can do. I am retired on a fixed income and do not wish to continue throwing my retirement away. This loan serves me no purpose. I am looking to have the monies paid out applied to a traditional mortgage. I have paid my mortgage off just about and have nothing to show for it. The banks are not being very fair these days and are taking advantage of people at their weakest times. I am XXXX XXXX XXXX and have enough sense to know this is wrong. The bank wasn't willing to assist me at all with this issue. The employees at Chase were just as shocked as I am. According to the contract, this was only supposed to be for 5 years to start. It was supposed to be looked into. It's been 17 years of me just giving my retirement away. I don't even have a home to leave to my survivors. It's really a shame and a bad deal. My payments have doubled in the last few years. I'm looking for a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has for years had a wrong address listed. I believe it is a typo that someone put in as it is a derivation of my correct address. The address does not even exist. I have submitted this error to them at least twice and they refuse to fix it. The XXXX address on the attached does not exist and obviously I have never lived there. It is the 2nd address listed. Also the 3rd address is no one. This is a condo complex so that address without an apartment number would be 12 people not me.

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 2023-12-05
Company: Stellantis Financial Services US Corp.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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. 
I have informed XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account Number XXXX This account is reporting inaccurately. This account is showing the wrong date of last payment across all three bureaus. Please see the attached report with the inaccuracies circled. According to 15 USC 1681i ( 5 ), accounts that are reporting incorrectly are to be removed from a credit report. This account needs to be REMOVED as it is inaccurately reporting on my credit report. 


However, they have not responded to the attempts I have given to have this reviewed for inaccuracies. This should not be possible as there are many inaccuracies such as incorrect open dates, incorrect account statuses, and even fraudulent accounts listed on my report. According to 15 USC 1681i ( 5 ), as stated above, the credit bureaus are supposed to verify this information is correct and remove inaccuracies. They have failed to do so. So as stated in 15 USC 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am requesting a review and to have the accounts listed above DELETED from my credit reports.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
It is my consumer right to be granted credit I can not be discriminated against without recourse I also was not given a specific reason which they stated in the letter given to me that they couldn't specify my reason they just gave me a list of reasons why I'm considering going into arbitration process if this decision is not reversed and my rights are acknowledged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
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:
A public record is reported Discharged CHXXXX XX/XX/2015 Reference XXXX I have contacted the credit bureaus directly. No one has provided an original signed contract, court documents, or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. Who reported the discrepancy. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency. What agency? The credit bureaus are the one 's reporting the information. Who then continues to report erroneous information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Synergetic Communication Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Synergetic Communications , Inc. Say that they are trying to collect on an account from XXXX. The last time I have had an account with XXXX  was almost 40 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection account listed on my credit reports by a debt collection agency, Midland Funding LLC, collecting on behalf of XXXX/XXXX. Midland Funding LLC is not licensed to collect in the state of Pennsylvania and therefore I am disputing this collection account. I tried to dispute this account with the BBB on XXXX XXXX,2017 and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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