BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TRANSUNION reporting bogus and fraudulent information on consumer credit report, does not properly conduct investigation when submitted through their process, and ultimately does not protect the consumer by removing the false information. This is a extended, and repeated process that continues to unjustly damage consumer 's credit file, further proving a relationship between TRANSUNION and a fraudulent debt collector company in extorting money from the consumer. 

TRANSUNION and XXXX XXXX XXXX  have a relationship to extort money from consumers by adding false, unproven, fraudulent credit collection marks ; and then not removing them per code of law and consumer protection acts. In fact these companies frequently change the dates around, and add falsified comments in effort for keep-alive tactics for that specific fraudulent collection trade-line.

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 2020-12-16
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: Was not notified of investigation status or results

Complaint:
On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the equifax data breach and my have gotten in the hands of the wrong person like scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I trust that you can help me quickly resolve inaccurate reporting on my credit reports with Equifax and XXXX. Ive worked with both agencies and the inaccurate reporting still continues. 

Equifax and XXXX  are reporting the XX/XX/2020 payment of my XXXX XXXX XXXX as 30 days late. The creditor has said that they did not report the XXXX payment late, as it was received on time. 

A check was mailed and posted by my bank XXXX XX/XX/2020. Please have XXXX  and Equifax report accurate information and remove the 30 day XXXX late payment for the account mentioned above. I need this done immediately, as it is affecting my ability to secure a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: ACIMA CREDIT, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
ACIMA Credit Company charged me an excessive amount ( approximately three times the cost of the furniture ), in interest on furniture I purchased from XXXX XXXX XXXX XXXX. I attempted to reach out to ACIMA Credit Company to try to reach a settlement, before the account was paid in full, but was unsuccessful. 
( Lease Number XXXX ) First Payment Date ( Monday, XX/XX/XXXX ) Renewal Payment Amount ( {$120.00} + applicable taxes ) Payment Frequency - ( Bi-Weekly ) Early Purchase Option Amount - {$1800.00} + applicable taxes by XX/XX/XXXX TOTAL RENT PAID ON XX/XX/XXXX - {$3900.00} This company currently has a XXXX XXXX  rating with 1,152 Customer Complaints in last 3 years, and 355 complaints in the last 12 months, so I think this speaks for itself!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Bank of America checking account was opened fraudulently in my name. This account was opened in XXXX of XXXX. I discovered the accounts existed XX/XX/XXXX because I received an email that this account was now opening a digital debit card. When I discovered this information and realized I was a victim of identity theft I immediately reported the fraudulent activity to Bank of America, all three major credit bureaus, social security administration and here at the cfpd.

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 monetary relief
Consumer complaint received 2021-06-07
Company: CITIBANK, N.A.
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:
I have the bellow accounts that does not belong to me and i want them to be erradicated from my credit report ASAP. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2020-07-29
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Flagstar bank company opened my loan in Escrow basis and after I told them It's set up incorrectly they removed it from Escrow,. However, They mailed the escrow balance to a 3rd party. I called them multiple times and the last time after a long hold, they wanted to give me a third party number to call and ask them to return my money. I feel that they are resonsible to refund me for my escrow account and they failed to notify me for this wrongdoing. 

Thank you

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: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-15
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 fraud alerts or security freezes

Complaint:
I attempted to freeze my credit report and in order to identify me I was asked if I took out a car loan in a certain month, I did not take out car loan. I later realized that I was helping my granddaughter look for a car and one of the agencies probably checked my credit. I DID NOT TAKE OUT A CAR LOAN. The web site then said it could not process my request and I had to mail in a request. The requirements for the mail application are onerous and putting all that information in the mail would probably open me up to identity theft. 
I attempted many time to call this agency and could not get through to a human. I would like to restrict Experian from keeping any of my information. I believe this is a violation of my privacy.

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: Experian Information Solutions Inc.
State: WI
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:
Ive been having fraudulent inquiries on my credit report, from XX/XX/XXXX to XX/XX/XXXX, about 90 hard inquiries are fraudulent from those two dates! I would need those removed!

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 2018-09-30
Company: Diversified Consultants, 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:
Today is Sunday XX/XX/XXXX My name is XXXX XXXX. Current address XXXX XXXX XXXX XXXX XXXX, IN XXXX with a Mailing Address of XXXX. XXXX XXXX XXXX, IN XXXX. 

I have tried for more than a year to have Credit Bureau 's along with previous Creditor 's and ( UNAUTHORIZED ) Collection Agencies CORRECT/DELETE entries on my Credit Files due to VIOLATIONS of the FCRA, FDCPA, HIPAA OF XXXX, along with RISA AND the MVISA statutes to name a few. 

Not only are these " creditors ' in violation, but the " Credit Bureau 's '' as well. Even though I I have provided documented facts in the past, they maintain their records are accurate without providing verifiable proof of qualification. 

One of the many dates does go back, at least, to XX/XX/XXXX. 
I AM TIRED OF these companies CIRCUMVENTING the LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XX/XX/XXXX I went to XXXX to get a phone at the location Mall of Georgia XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. The store manager XXXX XXXX had the sales representative XXXX XXXX help me out selecting the best option. The agreement indicated I had up to 14 days to return the device without being penalize. On day 14 I went to the office to return the device ( XX/XX/XXXX ). On this day XX/XX/XXXX I spoke with the store manager XXXX XXXX. He indicated there was nothing rendered for me to do and that everything was taken care. However, when I asked for a proof or receipt for the returned device XXXX XXXX XXXX indicated I did not needed anything as he had already canceled all services and lease device in the system. Weeks went by and I begin to receive notices from XXXX indicating I owe the services and device I previously returned. I got in touch multiple times with the store I purchased/returned the device and was told to disregard that in their systems I was already canceled and so forth there was nothing else needed from me. Soon after that I received another notice so then I took action and went personally to another XXXX store located XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Telephone number ( XXXX ) XXXX and asked to speak with the store manager XXXX XXXX. However, the request was denied and another sales representative asked me to go to the other store where I initially got the cellphone. On XX/XX/XXXX I obtained a copy of the final statement from XXXX on which listed me responsible for {$1000.00}. Shortly after on Monday, XX/XX/XXXX at around XXXX I received a phone call from a collection agency named : XXXX XXXX with the reference number XXXX requesting a payment in full on behalf of XXXX for the same amount previously described {$1000.00}. I disputed the balance and notified them that I did not owe the stated balance. The representative proceed and threaten to report my account to the credit bureau on XX/XX/XXXX. On Friday, XX/XX/XXXX I received the notice in the mail from IC System Collection Agency. I also faxed the proof of refund to IC System to the fax number ( XXXX ) XXXX with the case # XXXX. The IC System representative also indicated that XXXX never charged anything to my bank account on which I dispute as I have multiple charges from XXXX - XX/XX/XXXX {$31.00}, XX/XX/XXXX {$31.00} and {$42.00}, XX/XX/XXXX {$63.00}, and $ XX/XX/XXXX {$63.00} see attached proof of payment. The representative proceed to tell me my account was on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CMRE is attempting to collect a debt from me that I do not owe. It took place from a boxing event I was part of, the injury was covered by insurance from the promoter-I have proof of the insurance waiver. I have disputed the debt and contacted the collection agency multiple times to remove it from my report-XXXX  and XXXX did XXXX XXXX XXXX has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 and XX/XX/2018, a representative of XXXX XXXX XXXX , XXXX contacted several of my neighbors and informed them of a debt I am working to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: N26 Inc.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
DATES : XX/XX/2020 AMOUNT : {$40.00}, {$78.00} the company charged me incorrectly by writing external bank refund charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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 XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: Synovus Bank
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Had borrowed money in 2004 and paid off shortly thereafter where a primary residence was used as security. The loan was paid in full but the title was never released. I have requested the Bank ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA ) to release the title and all I could get was a letter stating we owed no money. The home has been sold and I need the lien removed by the bank. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts do not belong to me, I am respectfully requesting the deletion of XXXX XXXX XXXXt XXXX XXXX, Capital One, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Dovenmuehle Mortgage, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinance my home in XX/XX/XXXXwent to closing in XX/XX/XXXX. At the time of loan origination, an escrow account establishedsix months of taxes and insurance payment where collected. The loan closed in XX/XX/XXXX. The loan was sold to XXXX  XXXX  and Dovenmuehle mortgage to services the loan. The escrow account was never setup, once the loan transferred to the servicer Dovenmuehle mortgage. There are funds currently in my escrow account ; however, the escrow account was not setup and payments where not sent. For the last seven months, to no prevail, I have tried to get Dovenmuehle mortgage to setup the escrow account and pay the taxes and insurance. As of XX/XX/XXXX, the escrow account has not been setup or fees paid.

The last seven months ' journey, I have called each month since XX/XX/XXXX, The latest request made XX/XX/XXXX, for the escrow account to be setup and taxes paid were expedited to the insurance department. However, that did not happen. I have spoken with two different supervisors, XXXX and XXXX ; neither one has been any help. When asked to talk with someone higher than a Supervisor, XXXX transferred me to Ms. XXXX, only to find out she a supervisor herself. I asked to speak with someone in upper Management, Ms. XXXX refused. She advised I could not talk with anyone higher than a supervisor, and I have to wait for an email regarding my request. Since my seven month journey, I paid the insurance and taxes, to avoid my home owner insurance from being Canceled and any more non-payment penalties towards the taxes. Dovenmuehle mortgage doesn't have any way of filing a formal complaint, other than an email address. The amount of my tax bill in XX/XX/XXXX is XXXX ; as of today, including late penalties, the tax payment is XXXX to avoid any more late penalties, I paid the taxes myself today, XX/XX/XXXX. The home owner insurance payment made several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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 to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.

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 2021-06-27
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been fighting this for a few years now this is not my account Ive never used it I never opened I have asked for them to send me proof which I my right I want original documents proving this is mine. And no response. It keeps getting sold from one company to the next and no one will help me they have the originating date in 2010. So I have been fighting this for a long time now its not mine. I have no paperwork as I have just lost everything I own in the flash flood on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

RECEIVABLES PERFORMANCE account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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