BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: Leopold & Associates, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was notified XX/XX/XXXX of a Credit Card debt dating back to XXXX which I never incurred. I sent correspondence back to plaintiff, via certified mail, stating as such. This was received and signed for by plaintiff on XX/XX/XXXX. 
I then received a Civil Action Complaint and another letter from plaintiff on XX/XX/XXXX stating I'm being sued for {$4700.00} and a redacted photocopy of said XXXX CC statement. 
I replied with another letter, via certified mail, on XX/XX/XXXX again denying any responsibility for this debt, informing them that this was now time barred by the statute of limitations anyway and to stop all harrassement regarding this scam. 
I also told them I would be contacting this office and the Attorney Generals office has been called

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/XXXX I pulled my credit report and saw many discrepancies with many creditors I do not recognize. These account are 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 2020-01-22
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:
fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX   account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: EQUIFAX, 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:
I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. 

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX  requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind XXXX, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal.XX/XX/XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.

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 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name 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 2020-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
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:
Hello, i am here reporting a problem regardless between XXXX and Bank of America. On XX/XX/2020 i made a purchased through my debit card to XXXX for a laptop for {$970.00}. Fast forward to the day of delivery and it is not here so i contacted their customer service just to check maybe because of covid 19 maybe there is a delay to the package and whoever on the other side states that the package has been delivered. I told the customer service that i did not received any package and i check around my house and also my neighborhood just in case they keep the package away for safely but no one see it. The customer service proceed to check what option they have and they decide from their end to send a replacement prior to any claim and investigation to the claim of my package. I received the replacement package and after further research on the laptop after couple days i decided to went in store and return the laptop. On XX/XX/2020 i received my refund back on my debit card, but on XX/XX/2020 XXXX decided to charge me again for the same amount without any contact or email. I am trying to contact XXXX to explained them what is happening and ask why there is the same charge to my debit card. Everyday it will take between 40 minutes to 1 hour and 30 minutes just to reach someone. I was told that they indeed refund for the item that i returned in the store. I told them that i understand that i received a fund for the item that i returned but why i got another charge for the same amount. I tried to solve it with their customer service for at least 2 months but nothing seem to work and i contact Bank of America for help regardless the issue. BOA filed a claim dispute for the amount and yet as i provided a physical return receipt from the store and what happen with the charge. I filed the total of 3 dispute charge with BOA with all end result is under resolved which is not true. I was punished because XXXX customer service decided to not file a claim or investigation prior to ship out a replacement and XXXX tried to point finger that is my fault. The XXXX order number is : XXXX. The BOA claim number is : # XXXX. I bought the laptop to work from home and now my account went negative and nobody seem to understand what i am trying to explain what is happening with the issue. All those three times i filed claim with BOA i always provide the copy of my physical return receipt from the store. I believe the charge they charge again is under the first laptop that they sent and it went missing. I need help. Thanks 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 monetary relief
Consumer complaint received 2019-03-11
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:
This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified a fraudulent account and the report violates my consumer protection rights. Please block the account listed below : XXXX XXXX : XXXX - {$10000.00} I request to have this account removed permanently from credit report ( s ). Please block this account. This account is fraudulent and unverifiable.

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 2018-03-05
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2018 I called XXXX   refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with Experian they refused to investigate the inquiries that were placed on my 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 2020-11-21
Company: Innovate Managed Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  is a XXXX organization that nourishes off destitute XXXX American  consumers. NO! XXXX Lives do not matter to them when they are complicit with collection agencies to deceive consumers. In particular, XXXX American consumers. I have begged them to remove Innovate Loan Servicing Corp. and XXXX XXXX XXXX from my credit file. I have told XXXX  for years that these two tradelines are one of the same and fraudulent. The auto dealership owner has been put in jail, and the city of XXXX, Georgia, has closed the business due to severe criminal activity. XXXX  is very aware of this dealership. Yet, they have made a reckless decision to put profit over the welfare of me, the innocent consumer. Somebody stole my identity and fraudulently used it, and XXXX, this XXXX and corrupted organization, stubbornly refuse to make the appropriate gesture in good faith by removing those fraudulent items. When will XXXX  be punished for their corrupt commotions? I went through the Consumer Financial Protection Bureau to prove my case, and XXXX  still refuses to remove these fraudulent tradelines. It is regrettable!

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 2022-05-02
Company: Advantage Financial Service LLC (Idaho)
State: ID
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 have things on the that I have disputed were from identity theft but have not been taken off.it is effecting my credit from improving. My identity was stolen off XXXX and XXXX refuses to remove it. Ive had to reple my phone & phone number such a mess!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a Sam 's Club credit account which is delinquent and was recently sold to a third party collection agency - XXXX XXXX. I received a letter in the mail regarding the outstanding balance but I have received no less than 5 calls per day since the beginning of XXXX 2017. Not only do they call from their toll free number, I have received calls from a XXXX number in XXXX, VA as well as from a Restricted line. They do not leave messages from any of these numbers. On XXXX XXXX, 2017, I accepted a call from the restricted line to inquire who was actually calling. XXXX XXXX informed me they were trying to contact me before they had a local attorney take over the account.Upon speaking with XXXX XXXX and her supervisor, XXXX, I informed them both of my reason for the delinquency as well as expressed an intent to work out a payment arrangement. I also informed them both that I was at work and would not be able to accept calls during business hours and would have to call them from home during non business hours. On the morning of XXXX XXXX, 2017 at XXXX, I received another call from the Restricted number but again they did not leave a message. I am interested in discussing a payment arrangement but I am not interested in receiving multiple calls from multiple numbers nor am I interested in feeling as if I 'm being harassed with threats of legal action or sarcastic comments regarding my intent to pay.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sent in a method of verification letter to Experian to verify a bankruptcy on my credit report and they received it but failed to notify me of the method they used to verify that the bankruptcy belongs to me. The only update with the dispute was that it remains. I want to know who did they verify that information with.

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 2020-12-02
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I recently closed on a VA Home Loan. I spoke to the Home Loan Guarantee Team today about the home being sold under false pretenses. The sellers defrauded the buyer ( me ) by stating there were no leaks and other blatant lies. One of the main concerns I have a sensitivity to water-borne pathogens and mold that has put me in the hospital numerous times. It was a key issue I told the appraisers, the lender, the seller, the seller and buyer agent, the closing attorney, and the inspector, and they all guaranteed the home never had a moisture issue. Meanwhile, what I thought was paint all over the walls was actually mold. And the roof was installed improperly and there was a hole in the roof letting water in the entire 9 years the house was in existence. You can see outside from the attic. The entire duct system wasn't working and it was extolled to be an amazing XXXX system. There were dead animals in it and it was an improperly installed system. I'm in about XXXX in repairs and I don't think I'll be able to live there. This is a serious matter and the lender/bank won't return any call. 

The repair addendum was never honored but my agent and lawyer bullied me into signing the closing documents. My closing attorney promised he wouldn't file those documents until I gave authorization he just wanted to get them done and ready. And he filed them anyway. He also said he would have the buyer put money in escrow to deal with a potential problem from the lack of completion of the repair addendum. But never did. And he won't respond to any calls or emails as well. 

I'm currently sleeping in my car and winter is coming. Thanks for any help you can provide. I have the cash flow and debt ratio to buy a new home but I have a bankruptcy and have used up Veterans eligibility so I need this home declared properly to reset that eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wrote to XXXX XXXX on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax is a XXXX organization that nourishes off destitute XXXX American consumers. NO! XXXX Lives do not matter to them when they are complicit with collection agencies to deceive consumers. In particular, XXXX American consumers. I have begged them to remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from my credit file. I have told Equifax for years that these two tradelines are one of the same and fraudulent. The auto dealership owner has been put in jail, and the city of XXXX, Georgia, has closed the business due to severe criminal activity. Equifax is very aware of this dealership. Yet, they have made a reckless decision to put profit over the welfare of me, the innocent consumer. Somebody stole my identity and fraudulently used it, and Equifax, this XXXX and corrupted organization, stubbornly refuse to make the appropriate gesture in good faith by removing those fraudulent items. When will Equifax be punished for their corrupt commotions? I went through the Consumer Financial Protection Bureau to prove my case, and Equifax still refuses to remove these fraudulent tradelines. It is regrettable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Franklin Financial  Corporation
State: WI
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:
Auto Loan still remain on my credit after it has been fully satisfied in the Full amount. This Auto Loan Was Fully Satisfied XX/XX/XXXX. This Auto Loan Is From XXXX. I Was The Seconday On The Account For My Brother. I Have The Sealed Document Of The Cleared Judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX  requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind XXXX, as in XXXX XXXX XXXX  XXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.

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