BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: CORELOGIC 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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished CORE LOGIC inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XX/XX/XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove : ( 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 2020-07-11
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:
In the year XXXX, an XXXX account was added to my credit report, which was open fraudulent because I did not authorize for that account to be open. Somehow when I set up payments for my daughter on two accounts XXXX XXXX and XXXX to be paid out of my checking account the XXXX account became open in XXXX of XXXX without my consent, after setting up payments for my daughter so that she would not have any charge offs on her account. In the year XXXX when my dad worked for XXXX XXXX XXXX my SSN got deleted and my year of birth as well. My daughter SSN became my SSN in the credit bureaus all three. Experian, XXXX XXXX which was brought to XXXX XXXX XXXX 's Corporate attention in XXXX New York in the year of XXXX, which I am no longer there because of this matter, which I left in the year of XXXX. The problem keeps surfacing after 19 years of fighting for my identity and my daughter 's identity, Transunion will not delete this information from my credit report after disputing this over and over.I have also filed a complaint against all credit bureaus with CFPB on all issues that I know of. The incident report number is XXXX. This has destroyed my life as well as my daughter 's life. As we continue to fight for our identities if you go to the XXXX XXXX XXXX XXXX website some have changed the last four digits of my SSN and my daughter 's SSN under free credit score under my block. This has been overwhelming for the past 19 years and I have gotten three letters from XXXX stating they can not find me in their system which has been sent of 2 times with certified confirmation with the USPS post office.I have been fighting this for 19 years and I am tired of sending documents after documents to prove my identity and my daughter 's she was only XXXX years old at the time when all of this occurred.

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 2023-02-02
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2020-04-10
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at XXXX at XXXX XXXX in XXXX, XXXX  from XXXX. Once I moved out in XXXX, I received a notice that I owed {$44.00} for damage to the apartment and I would not be getting any portion of my deposit back due to {$75.00} worth of damage. I called XXXX XXXX with XXXX ( the management company ) and advised there was no damage in that apartment while I was living there and I asked if he had photos. I have an email from XXXX XXXX on XX/XX/XXXX with a photo of a portion of the blinds with a timestamp of XX/XX/XXXX. 2 years before I moved into the apartment!!! I have talked to their debt collection company, Transworld Systems 4 different times to dispute this debt but they keep saying the debt has been validated. The only validation is a letter I received with a copy of my lease. The lease proves my point that I did not move into that apartment until XXXX, yet the photo I was sent was from XXXX. Apparently a second validation was mailed out on XXXX but I already received a call today ( XX/XX/XXXX ) trying to collect the money from me! I haven't even received a letter yet. This is wrong and the collection account needs to be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Payments have never been late on my report it said late in XXXX and XXXX XXXX set up an auto payment to come out my account via a hardship relief program covid 19 and I have screen shot proven and they let my account slip the cracks and its unfair to me as a customer. I called XXXX and they assured me my account was ok and my credit report will not be affected. Now look!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Credit Bureau Collection Services, Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Credit Bureau Collection Services XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Credit Bureau Collection Services XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: LEXISNEXIS
State: OK
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:
Submitted certified mail asking Credit bureaus to verify Bankruptcy based on 609 law. Asked for method of verification and ask to send documents of bankruptcy. Never got anything. The credit bureaus claimed they verified it through Lexis Nexis. Lexis nexis claimed it verify bankruptcy through courts. I have letter from courts saying that they do not give or sell any information to third party. Sent letter asking how they verified the bankruptcy and they never sent me proof. Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2021-06-09
Company: Experian Information Solutions Inc.
State: MN
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 have been dealing with credit Issues for the past Month, i have called all 3 credit Bureaus, call creditors, file a police report, put a fraud alert on my credit profile and still inaccurate and accounts and inquires are continue have been added to my credit profile. XXXX, EXPERIAN XXXX, have receive police reports, everything that was require i have sent. i have read the law and very familiar with the rights i have, before i proceed with WITH LITAGTION and SEEKING RELIEF AND MONTETARY DAMAGS UNDER FCRA SECTION 616 AND SECTION 617 i want to file a complaint with you CFPB ... 


EXPERIAN THESE INQUIRIES WAS NOT AUTHORIZE BY ME ... 
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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have sent complaint letters directly to Transunion as well through this bureau about an inaccurate bankruptcy reporting on my account. XXXX and XXXX  has deleted the account and all other accounts that were fradulent opened after my information was hacked from the XXXX XXXX  breach and the XXXX XXXX breach, exposing millions of people personal information. I provided Transunion twice with copy of police report filed in XXXX as well as copy of report i made online. To no avail, they will not delete this fraudelent/inaccurate bankruptcy from my credit report. I am attempting to give this avenu one more chance before I file a lawsuit. I have provided them with plethora of documents and verification that I have never filed bankruptcy nor opened xzy accounts. They deleted the fraudelent accounts ( that has a different person last name on it, the same last name as the bankruptcy has on it ). They  delete bankruptcy every year and then two to three months  later it appears right back on my credit report. This has caused me extreme emotional distress dealing with Transunion for the last five yers.

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 2020-11-28
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In the month of XX/XX/XXXX I was debited {$50.00} bc supposedly in XXXX they changed my account to an XXXX Account without my permission. The rule with this type of account is you can not go below an average of {$50000.00} a month. Weve been banking with them since XXXX. I have never been charged an account fee. 
So they should not have changed my account type without my permission. I never received a phone call or an email asking me permission. They switched me over without my permission. Thats wrong. I asked them to switch it back but they need me to go to a branch location. So they need my permission to switch the account back to the original account but they dont need my permission to change the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Incomm Holdings Inc.
State: HI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
On XX/XX/2021 scammer told me purchase gift card in the amount of XXXX to cover one time loan fee I was told through them then my loan could be processed as soon as I sent them the XXXX vanilla gift card picture they weren't ever heard of no answers nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home was damaged during Hurricane Florence. My mortgage company servicer LoanCare decided to progress monitor my claim. This required me to endorse all checks to them. After finally getting the insurance company to approve the damages and finding a contractor that was willingly to work with me and meet the requirements that the mortgage company servicer set forth, the work began on my house XX/XX/XXXX. The mortgage company servicer stated that before work began I would be sent 25 % of funds to pay the contractor. An additional 25 % would be paid when the contractor was at 50 % completion of repairs and the remaining 50 % when the work was completed. I requested the inspector to come out to inspect the property on XX/XX/XXXX. Per there policy the inspector was to contact me with 6 days. It is now XX/XX/XXXX and I havent heard from the inspector. Whenever I call Loancare requesting an update they put me on hold for extensive times and tell me they sent it to the escalation department. I didn't receive the full 25 % up front. Of the XXXX they are holding I have received only {$2000.00}. The contractor is waiting on funds and the repairs are 100 % complete.

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 2020-11-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I pay my bill every month, but Citi will still charge me interest. I've already had the charge refunded twice, but they still continue to charge me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 Nissan finance called me at work. Never attempted to call my cell phone. Advised me I was 11 days past due. I told CSR I had made a half payment 2 weeks ago and I was going to make the other half XX/XX/19 but please do not call me at work. I made a full payment on XX/XX/19 online early that morning. At XXXX they called me at work again to collect this debt. After a full payment had been made online and i am currently a half payment ahead. This is harrasment. I have a clean pay history with Nissan. I have 2 vehicles financed through them and have been a long time customer. I advised the CSR that called me this morning i would file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 2 accounts on my credit report of which i do not recognize. I have submitted all necessary documents including a police report. The 2 accounts in question are below. 
XXXX. XXXX XXXX XXXX 2. XXXX XXXX XXXX According to the FCRA 605B these items must be removed within 4 days I do not recognize the adresses below and would like them removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX I demand these accounts / items are removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I filed a dispute with Equifax about 16 late payments reported on account from my Student Loans. On XXXX XXXX I got a notification that my credit score dropped 42 points from a XXXX to XXXX and my payments went from XXXX to XXXX. I checked the status of the dispute with Equifax + XXXX and it said that my dispute was pending investigation so im confused why my score was dropped for a pending investigation. Upon completion of the dispute, Equifax + XXXX said that nothing on my account changed and the disputed payments were still valid. So with that in mind, I called Equifax multiple times to see why my score changed although nothing was added nor taken away from my account and I received different answers every time I called and every rep told me that they had no idea why my score changed because it should'nt have been tampered with and they didnt see anything that should have changed it. I even had a rep tell me that my score would return to a XXXX 30 days after the dispute was completed which was also false. I still have yet to receive any answers as to why my score was tampered with for no reason and i am highly upset. This is against the Fair Credit act and I am tired of the run around.

Company response to consumer: Closed with explanation