BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
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:
After reviewing my credit report I noticed the account shown below on my credit report reporting as a collection account owed. This is false and fraud. I do not owe this company any money. This company is reporting false information on my credit report. Upon checking the Consumer Financial Protection Bureau website I noticed that this company XXXX XXXX , XXXX is in litigation for reporting false information on consumer credit reports. Attached is the article from this litigation. I have also reported this via complaint since Ive contacted you guys the credit bureaus more then 5 times on this matter and it is still falsely reporting on my credit report. This is affecting my credit history along with me purchasing my home. I do not owe this company any money. I paid this company the bill on the date it was owed before closing out my account with them. This information is also attached with the invoice of payment. This is in the amount of {$1700.00} which also was not even the last payment amount owed!! This company has violated the Fair Debt Collection Practices Act Section 312. This account is being falsely reported and is extremely misleading. XXXX XXXX XXXX XXXX XXXX The company has directly violated law written by congress , please remove. Attached is also an article directly on this website CFPD talking about this companies false reporting tactics. Please delete this from my credit report. Ive been contacting this company along with the credit bureaus for 6 months now and nobody has responded to me or removed this false account.

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: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been contacted on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX multiple times a day most before XXXX. I have confirmed information for the debt collectors but they are asking for more personal information while threatening to take legal action in this matter if I dont provide said info. I have not been informed that the company is even a debt collector ( I XXXX  the number & my XXXX shows the company name ) nor have I been made aware of what debt the company is attempting to collect. I am being unjustly harassed, threatened, and to be honest am feeling like Im being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter from Truist Bank dated XX/XX/XXXX that an account in my name that I did not create was closed because it was overdrawn. There was a balance due of {$53.00} on that account ( Number XXXX. ) I called on XX/XX/XXXX and talked with XXXX explaining that this was an identity theft situation. He said it would be moved to the Fraud Department and gave me case # XXXX in reference to my situation. He said the Fraud Department would reach out. 
Called on XX/XX/XXXX because I had not heard anything. I talked to XXXX of the fraud department who told me the case had not been picked up and that she would escalate the case. I should receive something in the mail the following week at the earliest. 

I received a letter dated XX/XX/XXXX with a settlement offer for the overdrawn account. 
No notation that I had reported this as a case of stolen identity. 

XX/XX/XXXX I called and asked for the fraud department. I talked with XXXX who seemed confused by the entire issue. We talked from XXXX. She eventually found the case number and said the account was closed and not to worry. XXXX seemed to focus on the idea that the account could no longer engage in transactions so, therefore, cause me no more harm. I explained that I am receiving collection letters on an account I did not set up and that is linked to my data. I do not think she is part of the " fraud department ''. She then told me to take my Truist card to a local branch if I wanted more closure and help with the situation. I told her I do not have a card because I did not set up the account. 

I do not know what else to do to resolve this issue.

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 2023-08-13
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 Report Number XXXX Personal Information Listed are 10 addresses where as I only reside at one address. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX As I am aware of there should be only 1 address on my file. This has been causing mix ups with the Federal Postal Service regarding me receiving my mail. There are 3 Duplicates and multiple addresses which I do not reside. There are 10 addresses on file when there should be only 1 address. 

Also, I have asked them to investigate the following account regarding pertaining to me which I have no knowledge of. The following account are listed below. 

XXXX XXXX XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date OpenedXX/XX/XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Theses are unverifiable, Inaccurate and incomplete information., I am requesting them to delete these items from my credit file due to the above information regarding not doing an accurate investigation.

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 2023-08-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
Barclays Bank is not only at a zero but it's several years past the statute of limitations to be collectable as we live in North Carolina. The reporting on this should have stopped years ago as the debt is no collectable and no payment was due.

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 2021-12-12
Company: CITIBANK, N.A.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my credit frozen XXXX, in fact there was to be no further loans made on my SSN # due to over $ XXXX in fraudulent charges, credit cards, and loans made in my name of which I did not persue. In fact between XXXX & XXXX my credit score went from XXXX to under XXXX. When I reported the fraud, all major credit reporting agencies locked down my SSN & forced a statement to any person or company looking up my name for a potential loan. I have notified this law firm of these facts, but The company continues to provide me with what appears to be digital signatures on contracts originating from a city I do not/did not live in as evidence to support their claim that I am still going to be held responsible for the debt ( regardless of the fact that I did not initiate any such transaction ). This firm appears to be XXXX bent on collecting this debt from me rather than trying to find the person ( s ) responsible for causing their client to make a loan under false pretenses and identity. Add this all up and this is indeed makes the firm just as culpible for damages inflicted upon me in a counter suit which I do not intend to file/nor do I wish to file at this time but will not hesitate if these attempts to collect on a fraud debt do not stop : for the actions taken by the company who issued a loan in my name without my permission to a person who is not me & whom I have no knowledge of who they are ; the company took no action that I have seen to confirm the legitimacy of this particular applicant and collecting it from me as an illegitimate way to somehow offset their losses for questionable and highly suspicious business practices the collector hired this firm operating on with what appears to be the sole pursuit of collecting funds from a victim. One who has bent over backwards to accommodate ; honestly I just want this never ending story of fraud and questionable collection methods to end. Please stop treating me like a scumbag who deserves this constant barrage of intimidation and threat. Im just a guy trying to pick up the pieces and move on.

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 2023-04-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Submitted FTC Identity theft fraud affidavit. Equifax has not deleted inaccurate information within 72 hours per the FCRA of receiving my identity theft affidavit.

Account as a result of fraud is reporting inaccurate addresses in Idaho not associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Check my credit report and realized some unauthorized inquiries on my report attached is the list of inquires and FTC 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 2017-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XXXX of this year, I approached Bank of America to accept doing an application for a loan modification. <P/>I submitted every single document they asked for. Then they repeatedly asked me for the same documents that I already submitted to them. They first started asking me about " missing documents '' from my loan package, beginning on XXXX XXXX XXXX. Every single time they asked me for documents, they were sent within one business day. Since that time, they have continued to delay and ask for documents that were already sent. I sent them faxes on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Every time I called and they said the package was complete, they would then wait and call and say the package was not complete. In the meantime, as I have been working diligently with them to restructure my loan, they started sending out threatening foreclosure notices. They are dragging their feet on this and causing me much stress and worry. They are purposely delaying this process.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
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:
I have sent multiple letters to Experian trying to dispute multiple accounts on my credit report. Each time I included a copy of my drivers license, social security card, birth certificate, and updated utility bill. I've even sent the letters using priority mail and certified mail in hopes of getting the information on my report validated. Experian continues to red flag each letter because they assume that I didn't send them but they don't even have a proper method to verify a person 's identity. I spoke to a rep today and he said they automatically red flag a letter if it look like it came from a credit repair company. The dates that the letters were received by EXPERIAN were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My name is XXXX XXXX my social XXXX a XXXX XXXX  name XXXX XXXX XXXX unlawfully did a credit check on my XXXX credit report and keeps calling me for a very old debt that's over XXXX XXXX XXXX the debt is not mine I have a common name also they keep calling me from private numbers and tool free numbers can you please tell them to stop harassing me for a old debt the stautue of limitations is old and also it doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ally bank loan for my new XXXX XXXX is not being credited as i tell them to. on my first payment XXXX i adde XXXX dollars to the payment and noted on the statement coupon that it was to go toward my principal. they did not put it on my principal. i called them when i had not recieved a ststement in time for me to make an on time payment. they do not have anyone there that speaks english well enough for me to be able to converse with. so i called the ally bank direct and they tried to transfer me back to the same people as before, i refused and they finally contacted them themselves and when they got back to me they told me that i would be sent a statement every month 19 days before my due date. i told them this was a lie. now on XXXX i recieve a statement saying i need to pay XXXX on XXXX but also states that scheduled payment is XXXX on XXXX so what happened to my XXXX payment? i never made it and yet i am getting conflicting information. i did not sign up for any variable rate loan, on my contract it states that i will have payments of XXXX for 6 years and that is what i agreed to nothing else is acceptable why are they able to make their own rules and ignore me when i want to speak to a supervisor none are there please stop this bank doing business in america

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 2022-09-21
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2023-08-13
Company: Experian Information Solutions Inc.
State: MI
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:
The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents.

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 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate

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 2023-07-19
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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