BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX  XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00}

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 2023-08-21
Company: Foris DAX, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX CAD from my CRYPTO.COM account to fraudulent investment firm ( s

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have resolved the problem paid the account in full is the reporting on my credit as negative 's please update 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 non-monetary relief
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted Trans union early this year when I got my credit report and told them that I think I had been a VICTIM of their inquiry issue ''. I gave them the inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I ask them to remove them, but customer service would not help and take care of the negative inquiries reporting to my credit report. Then a friend recommend I try you guys.

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly 100 points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, 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 2017-09-20
Company: EQUIFAX, INC.
State: IL
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 have tried multiple times to freeze my Equifax credit. Since XXXX XXXX, I have tried to freeze my credit online at least 3 times a day with no success. I have also called the call center and have reached agents that have no idea what they are talking about including providing incorrect information such as 1 ) equifax will call me directly to verify 2 ) incorrect fee information 3 ) unable to provide information on how to actually freeze my credit 4 ) could not explain the credit monitoring product or any of its terms 5 ) call center agents admitted they did n't work for equifax director and receive no relevant training on credit related issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: TD BANK US HOLDING COMPANY
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:
XX/XX/2020 I completed a CFPB report against TD for inaccurate information and reporting on my credit report. The issues still arises. Here is a list of the complaints CFPB Complaint # XXXX ( the " First Complaint '' ) CFPB Complaint # XXXX ( the " Second Complaint '' ) CFPB Complaint # XXXX ( the " Third Complaint '' ) The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the document from TD the debt was taken care of XX/XX/2020. The upldated credit report from XX/XX/2020 displays TD has reported charge offs for the month of XXXX, XXXX, XXXX, and XXXX of 2020. Which is a direct violation since the charge off was paid XX/XX/2020. The attached credit report and dispute results from experian will display such. Acording to FCRA, the information must be deleted due to its blatent inaccuracy and violation of FCRA 623 ( a ). Legal and monetary rememdies can be obtained under FCRA. The incorrect information has affected me in the home buying process and getting other loans for my business. I have attached my current credit report, dispute details that denied my dispute, and FCRA full law handbook for TD 's reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act.

With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.

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 2019-08-19
Company: EQUIFAX, INC.
State: MD
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:
The following accounts need attention:XXXX XXXX XXXX Amount $XXXX   Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXXt  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called XXXX XXXX on XX/XX/14 to attempt to make payment. I tried to see if they would settle and if they would I could pay in full. When it was told that it would only save me {$30.00} I opted to try and set up payment plan. The guy on the phone told me I needed to learn to pay my bills and if I had the money then I needed to know it should go to them. I tried to explain that it shouldnt make a difference whether I pay monthly or in full as long as they got paid. This is in connection to a bill XXXX dont feel I owe and have tried to dispute numerous times. He continued to attack me personally so I hung up. My husband then called to try and do the same and the guy kept talking over him and then called him a XXXX. I want this removed from my credit because they are in clear violation of the Fair credit collection act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Commonwealth finance posted debt on my credit report from a XXXX that in 2011. I did not receive a letter or documentation that i could make payments on this debt before in was placed on my credit. When I tried to dispute the debt through the credit bureau they posted another account on my credit report. 

The company is also not licensed to collect debt in the state of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
HI I filing a complaint against the credit bureaus because I made several disputes to them regarding my concerns and they are not following the laws. They have not provided me with any of my investigation results.. I sent out several letters explaining to them my concerns with whats on my credit.. I also sent out a 30day demand letter and they still aren't complying with the law.. This is a violation and dafamation of my character..

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 2018-07-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted a dispute with ERC in XX/XX/XXXX. XXXX # XXXX and ERC Ref # XXXX. In response to this dispute, ERC stated that letters beginning XX/XX/XXXX, they sent out two notifications for debt that were returned back to them due to an incorrect address. They stated that they sent notification two years later in XX/XX/XXXX ; however, I never received this noticed nor the right that I had to dispute the debt. I find it very shocking that a debt collector in a three year period would only send a total of 3 notices of debt and to notify me of my right to dispute. ( see attached letter from ERC ) It is hard for me to believe that ERC truly wanted to notify me of my right to dispute this debt or to validate the debt, given they only sent 3 notices. Which they acknowledge didn't go to the right address and the third I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Under 15 U.S. Code 1681b ( 2 ) - Permissible Purposes of Consumer Reports ( a ) In General Subject to subjection ( c ) any consumer reperting agency may furnish a consumer report under the following circumstaces and NO OTHER : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 
I XXXX XXXX NEVER gave XXXX any wriiten consent to report anything on my consumer report. I will attached a copy of the law with this letter. Concerning the accounts listed above I demand late payments be removed. No consent is Identity theft.

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 2018-04-03
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, Santander responded to my CFPB complaint XXXX ( attached ) and promised to remove my email from their systems because it was incorrectly sending me notifications of debts that were not mine but those of someone with the same name who lives in a different city and state. 

I continue to receive debt notifications after the representation of Santander that this would be fixed. I have attached debt related notifications of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The experience has been worse since Santander represented to the CFPB that the notifications would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive requested the accounting history, detailing past payments made or missed and was not provided any. 
Ive requested personal information associated with this account for identity purposes and was not provided any. 
Ive requested contracts signed with my signature and was not provided any.

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 2020-07-22
Company: Experian Information Solutions Inc.
State: MD
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 filed a bankruptcy in XXXX of 2020. I disputed items that were in that bankruptcy with the three credit bureaus. The items have been updated properly on one bureau. But your bureau did not properly update them. 
Federal law requires that you update the present status of an item or remove it after dispute. I provided copies of my bankruptcy schedules clearly showing these three items. I have attached them to this complaint. 
The items that should be listed as " Included in Bankruptcy '' are : XXXX XXXX XXXX XXXX ( Acct. XXXX. XXXX XXXX XXXX XXXX XXXX ( Acct. XXXX ). And XXXX XXXX ( Acct. 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 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contactedXX/XX/XXXX and they are refusing to remove these fraudulent account as well asXX/XX/XXXX and I am not able to gain access to XX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: NY
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:
Experian was notified on XX/XX/2021 that I am a victim of identify theft.

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 2020-08-31
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 fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I placed a security freeze through all 3 credit reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX XXXX  ; however, they indicated that my credit was still frozen. I called back the credit agencies ( XXXX  and XXXX ), and was informed that my credit was not frozen. I could not get in contact with anyone at Experian ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the 2 agencies noted above, and again was told it was not frozen. I was unable to get any information from Experian, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.

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 2021-02-23
Company: EQUIFAX, INC.
State: LA
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 certified letter to Equifax and XXXX on XX/XX/XXXX notifying them about the violation of US law 15 U.S Code 1681b Permissible purposes of consumer reports code which states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, or Equifax any written consent to report anything on my consumer report pertaining to a bankruptcy, no consent is identity theft. For their convenience I also attached a copy of the law to the letter. They each then forwarded a letter to me stating that regardless of what the US law says, that the information will remain, further violating the law. Just to clarify things I am not a lawyer, and I am not with a credit repair company, as I am aware that is illegal. I am just a well informed consumer that reads and can comprehend law. I am looking to get this deleted immediately or I will pursue legal action against Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX My account has been limited for XXXX with $ {$430.00}. THere is a security feature preventing me from withdrawing funds.I dont have that phone number anymore and can not verify it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
bank of america states i had a account with them when i never had a account with bank of america. After reviewing my XXXX report it shows a checking account with them was closed due to fraud and the amount that is shown is $XXXX. i tried to resolve the problem but i was told i was responsible because i opened the account when i never even bothered to use bank of america. please help to have this problem removed from my XXXX report and bank of americas records.

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