BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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 2021-12-13
Company: SYNCHRONY FINANCIAL
State: MA
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 disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : SYNCB/LOWE 'S XXXX XXXX XXXX DATE XX/XX/2021

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 2017-12-30
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: Their investigation did not fix an error on your report

Complaint:
Earlier this year ( 2017 ), I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX have violated my rights.

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

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 2018-12-21
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Navient Solutions, LLC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing the credit report from XXXX  noticed Navient continues to furnish late payments in formats that are incorrect. The account is the same with different amounts. XXXX XXXX XXXXXXXX XXXX was involved with litigations for charging amounts against federal guidelines of student loans. With the number of inaccuracies, credit and creditworthiness are compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX 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 2023-07-19
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: 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. 

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 violated my rights. 

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 explanation
Consumer complaint received 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I discovered that the fund were taking out of my account {$500.00} and {$500.00}, I called back of America and claim for fraud, bank of america close my debit card and send me a new one, today I received a message via website said, they were unable to pay because the charge was authorized, I never authorized those charge

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 2023-08-14
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has been reporting on my consumer file the following collection agencies XXXX XXXX XXXX  {$2500.00} and XXXX XXXX XXXX {$400.00}. These collection agencies are not licensed in the State  of Maryland and can not make any attempt to collect a debt.

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 2022-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone has been opening different accounts in my name, this one was Capitol One 360 checking account. Because I have had previous opened I have been watching for. I received a capitol one 360 checking debit card. I called told them to cancel anything they opened in my name. Come to find out that same day, they opened 10 savings and checking accounts on the same day. After received all of the account closed notifications I got one with a statement from one of the accounts. Apparently on the day they opened them they began doing many small deposits in one account, from churches, then eventually XXXX  the money to someone. This was a red flag because it looked like they were testing this account. Weirdly all accounts for small change! The fact that they were all from churches was worrisome. This was the statement from one of the accounts that was closed so I have documentation of all the transactions. These are the transactions on the one day of activity. 
XX/XX/2022 XXXX from XXXX XXXX XXXX XXXX XX/XX/2022 XXXX from XXXX XXXX. XXXX XXXX, 2022 XXXX from XXXX XXXX XXXX. XXXX XX/XX/2022 Deposit from XXXX XXXX XXXX XX/XX/2022 Deposit from XXXX XXXX. XXXX XX/XX/2022 XXXX from XXXX XXXX. XXXX Then it continues on with deposits from the different savings accounts they opened XXXX from XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX XXXXXXXX. credit XXXX Deposit from XXXX XXXX  XXXX XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX. credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX XXXX  XXXX XXXX credit XXXX XXXX XXXX sent to XXXX XXXX debit XXXX The statement has all of the savings account with more deposits of minimal XXXX amounts from the same churches in each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Abrahamsen Gindin LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Abrahamsen Gindin LLC collecting a debt of the Client of XXXX  XXXX. I have not gone through any company by the name XXXX XXXX. This debt showing is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} 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 2023-08-14
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.

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 2023-06-02
Company: EQUIFAX, 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
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: Their investigation did not fix an error on your report

Complaint:
Equifax still reporting account as a serious delinquency on my account that has a XXXX balance. XXXX XXXX requested it to be deleted from my accounts. 

Correct Account number:XXXX XXXX verified they sent notification to Equifax on XX/XX/2018 to delete account. 

With account showing as XXXX balance Equifax is reporting on my credit file that it is a serious delinquency when institutions are checking my credit file. There is no serious delinquency as I do not owe any funds on the collection. This is a violation of the Economic Growth, Regulatory Relief, and Consumer Protection Act when the agency has any information related to a fully paid debt that is being characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge of it being paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX. XXXX XXXX XXXX, XXXX XXXX , wrote me a {$200.00} check ( # XXXX ) for food and utilities. 
XXXX. The Check ( # XXXX ) was written against a XXXX XXXX XXXX account. 
XXXX. XX/XX/2023, I cashed the Check at ACE Check Cashing XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX. XXXX, Ace cashed the check for a fee of {$21.00}. 
XXXX. XXXX, Ace Check Cashing notified me that Check # XXXX was returned for NSF ( non-sufficient funds ). 
XXXX. XXXX, I told ACE to redeposit the check for payment and they refused. The asked me to repay the {$200.00} at one of their store locations. I refused because I knew that they would redeposit the check. I did not want to overpay them. 
XXXX. XXXX, I was notified by my brother, XXXX XXXX, that Check # XXXX was redeposited by Ace Check Cashing. It cleared his checking account on XXXX. 
XXXX. XXXX, I was contacted by XXXX XXXX at XXXX XXXX XXXX, XXXX. She informed me that they purchased my debt from Ace Check Cashing. 
XXXX. XXXX, I informed XXXX XXXX that the debt was PAID IN FULL, as Ace Check Cashing redeposited check # XXXX which cleared on XXXX. 
XXXX. My XXXX, XXXX XXXX, provided XXXX XXXX with proof that the check # XXXX cleared his account on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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:
I XXXX XXXX, Consumer and natural person am a victim of identity theft. experian, XXXX and XXXX  has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my right as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish. XXXX makes it clear that as a consumer i have a RIGHT TO PRIVACY. These agencies have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of XXXX by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.

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 2019-09-19
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to deal with Real Time Resolutions whom is has been an extremely difficult and uncooperative debt collector acting on behalf of my mortgage company. 

I have been trying to modify my 2nd mortgage held by XXXX. The balance is {$93000.00} and the account has been in default for at least 7 years if not more, due to significant medical and financial hardships suffered by my husband and myself. 

Throughout 2019, the communications from Real Time Resolutions started off cordial and professional, and gradually turned into aggressive attempts to collect a debt and incredibly difficult " negotiations '' that were frankly absurd. 

After going through a lengthy " loss mitigiation '' application process and jumping through many hoops that were placed on us, they saw our financials, saw that we are living paycheck to paycheck and decided to offer us a 1 % settlement offer on the balance of {$93000.00} - like if I could just write a check in the amount? 

An appeal process was requested and they just deemed by comps obtained by a local  Real Estate Agent as unacceptable based on the comps used. The problem here is they are making me go through many difficult problems to try to appease there requests, and when I do obtain the documents or professional opinions they request I am not actually offered a resolution that is appropriate nor within reach of my situation. 

I would like to deal with a reasonable organization that would be understanding of the matter at hand and that would be reasonable to arrive at a resolution that is within reach. 
A real offer that can be obtained to bring closure to this account. A realistic payment arrangement to bring the account current or a lump sum settlement offer that is REASONABLE. ( 1 % discount is not reasonable )

Company response to consumer: Closed with explanation