BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
I am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: TN
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:
Received an email from Equifax advising a new bankruptcy was being reported on my account and my credit score dropped XXXX points this week. I have not filed bankruptcy since XX/XX/2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
As of XX/XX/XXXX  Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On or around XXXX MBA LAW obtained private and confidential medical information about me and my minor child then furnished the information on my consumer reports in an attempt to extort me. IN XXXX I received a letter threatening a suit and stating I must call them, I did and told them I would get an attorney in which at first they advise me not to then told me they couldn't talk to me they would have to talk to the attorney I got and the call ended. About a month went by and the accounts were off my consumer reports and then reappeared. I then disputed them and asked for validation and verification in which they sent me diagnosis and treatments and other embarassing confidential HIPAA protected information including social security numbers and insurance policies of that of my minor XXXX year old child and I. After that the account was removed without any further communication from MBA LAW who in fact represent themselves as lawyers and debt collectors yet do not and did not have a NMLS # valid for the state of florida which would be needed to collect debts. In XXXX the account reappeared under two new companies. XXXX XXXX XXXX XXXXXXXX XXXX. After many years and disputes over this debt it was found that MBA law transferred or resold the debt to them knowing that it was fraudulent debt. During a recent third party dispute I found out that MBA LAW admitted to being the " attorney 's '' for assetcare or at least answered for them. When question with why MBA LAW was answering for another debt collection agency, they stated they were their representatives and lawyers and then ignored me. XXXX XXXX XXXX XXXX  who represent themselves as a law firm also have NMLS # that are not valid in the state of florida and have resold the fraudulent debt. I received a letter in XXXX from MBA LAW stating that they " removed all information about me and will no longer attempt to collect the debt '' yet resold the debt to XXXX XXXX services on or about XX/XX/XXXX. This company is practicing illegal activities, identity theft and pure fraud. This company has violated over 100 of my unalienable God given congress granted consumer rights over the last five years and has inflicted an incredible amount of harm to me and my family. I expect the CFPB to back me on this complaint and move forward accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have already submitted previous complaint with no response after 30 days. 
I am able to ask for {$1000.00} for the no response per FCRA

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 2020-12-01
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Purchased new appliances from JC Penney XX/XX/2020, after speaking with the store rep in the greater XXXX XXXX area, and section manager we were told to sign up for the store Credit card. We did. we were also told at the time that any interest charged when promo period expires would be on balance owed NOT entire balance over time. Auto payments were set up and processed. while setting up auto payments I called for assistance and was told over the phone that yes interest would be charged on any outstanding balances only. XX/XX/2020 statement shows interest was charged on entire amount, in the amount of {$1400.00} when the owed balance was approx {$670.00}. I was not notified promo period was expiring either. called in for resolution however was told there is nothing that can be done to reverse the fee or even correct the fee and that my only resolution was a {$39.00} credit with no one else to contact. I was lied to twice. I took notes and have them for my reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021, I retrieved a letter from Comenity Bank and discovered an inquiry that I have no knowledge of ( XXXX  Inquiry date XX/XX/2021 ). 
Because I did not apply for credit with Comenity Bank. 
Please launch an investigation of inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Comenity Bank is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, 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:
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( reported duplicate on my credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been contacting this company since XX/XX/2020 asking to exercise the buy out option since it has been 5 years. I was ignored and promised a response over and over again. i wrote 11 letters called 10x and send 6 emails with no response. finally on XX/XX/2020 Ms XXXX responded to me and advised me they would take the XXXX buy out option and I advised her I would pay it on XX/XX/2020, I asked her to send me an email or a letter something stating that the XXXX would be the buy out and an address were to send the payment. I received nothing, I called her again on XX/XX/2020 and asked her again for something in writing and a payment address, she let me know someone from legal would send me something. Today is the day and I have nothing still. I can't send a payment to the previous address because the last 2 payment I send and I have proof of still have not posted to my account. I am not sure why they are not posting my previous payments. I need a letter stating the XXXX is the buy out amount and an address were to send the payment or how to make the payment. Please help, your company was able to get them to call me so I hope your company is able to get them to send me the documents to get this taken care of. This is their contract I am going by they should be forced to follow their own contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$27000.00}

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 2023-03-31
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have nothing to say to the investigator of incomm company, this investigator named XXXX did not understand the problem at all, he said that I received the new card from XXXX on XX/XX/XXXX, it is true but that It was my other case number XXXX before, but this time my case number is XXXX, which is the result of the investigation just received recently, they sent my card to my old address in XXXX, and now I am in XXXX XXXX XXXX, I am in Just moved to XXXX last month so it's two amounts, it's not like XXXX said I got XXXX  to replenish my new card, something so simple why would he make this so complicated and make me Waiting for so long, I'm really going to die of anger

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
<About What Chase did so far> When I was in US, I tried to send my money to XXXX. But banker did mistake. 
But banker told me that it was success so I closed the account. 
After going back XXXX, I asked banker whether it was ok or not then he told me that it was not ok. 
I asked them to send check to XXXX but they said they can not. Only choice is going to US to show ID. 

<NOW PROBLEM> I refused to go to US. Then they sent check where I lived. 
My ex roommate sent me the check and I went to the bank ( XXXX ) to convert it.

Banker at XXXX told me that it is not fake. 
3 days later, the banker gave a call that " Chase refused to pay money. They said stop payment. '' WHAT?????????????????????????????????????? // I can not believe what chase did so far.

I really can not believe.

I can not allow Chase any more. 

Please give my money back. 

Chase bank is fraud!!!!!!!!!!!!!!! 

I am ready to sue the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sent a payment to Flagstar bank on XX/XX/XXXX. The amount of {$53000.00}. I have been sending payments to Texas for other banks in the past and I know it takes from 3 to 5 days at most. I have recorded the conversation with the person who answered at XXXX. She told me that she did not see my payment but did see a internal transfer on XX/XX/XXXX. Because it was an internal transfer that tells me the bank received the funds sometime between XX/XX/XXXX to XX/XX/XXXX. Even that is a excessive USPS delivery time ; which I don't believe for a moment. The USPS has never been that inefficient in 20 years sending mail to Texas. When I asked to be given a supervisor he denied they received it. It is my belief this bank is engaged in fraud. If they delay early payments until the end of the month and hold on to them until then instead of processing ASAP ; they charge me more interest and if they do that with hundreds of thousands of customers it is easily millions to potential billions over time they steal from their customers, like me. This appears to be a business practice at Flagstar. They are to process payments as soon as they get the check and not hold them until the end of the month. I expect to be reimbursed the interest difference between the loan and the loan less the payment for the 12 days they did not recognize the payment or roughly {$57.00}. I also expect the federal government FDIC and other organizations to investigate Flagstar. Now that I can not trust Flagstar I will walk my payments into a local branch in Arizona. A final note I told the supervisor I know the payment will magically appear either XX/XX/XXXX or XX/XX/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 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been receiving emails regarding someone elses Bank of America account. This has been going on since XX/XX/2022. Bank of America will not help me close this fraudulent account. Please help 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 explanation
Consumer complaint received 2023-03-31
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: Reporting company used your report improperly

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my consumer report. 
I have recently reviewed my consumer report and noticed some unauthorized accounts and in violation of 15 U.S. Code 1681 ( a ) ( 3 ) you guys assumed this role without my permission and you DID NOT have my consent. You guys did not respect my right to privacy which is under 15 U.S. Code 1681 ( a ) ( 4 ). You did not exercise your grave responsibility at all and you were unfair and partial. I have already taken the liberty to file a CFPB report and an Attorney General complaint. You were never given permissible purpose Under 15 U.S. Code 1681b ( a ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place, What I am demanding right now is that you guys delete all of these accounts listed below off of my report immediately.

I would like to state pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system.

According to my written instructions which I have full authority to give you under my rights as a natural person/consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted immediately. Willful noncompliance by your company will result in me seeking legal action. 

WRITTEN INSTRUCTION DELETE FOLLOWING ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: WELLS FARGO & COMPANY
State: IL
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:
Well 's Fargo bank is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX and XXXX. 
This account is in a closed/charge off status. This account is posting activity well after closed/charge off. 
Most recently as XX/XX/XXXX. 

This account is reporting MONTHLY : a credit limit late payments past due Last Payment are posting inaccurate : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

Reporting ( 3 ) different closed dates : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

Multiple account numbers reporting : 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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
IN XXXX AND XXXX OF 2023 I CONTACTED XXXX XXXX ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.

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