BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: Millco Management
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:
AMERIFINANCIAL SOLUTIONS posted a collection to my credit report, originally from XXXX XXXX XXXX. My insurance company is in the process of being liquidated, and I provided the legal notice from the fiduciary stating that any collection activity outside the liquidation proceedings is prohibited. This was given to all 3 credit reporting agencies. XXXX  and XXXX  have both removed the collection from my credit report, but XXXX  is stating the collection is reporting correctly. They split my dispute into 2, and the second result states there is no bankruptcy reporting to my credit. This is correct, I am not personally going through bankruptcy proceedings ; the insurance company who was obligated on this payment is..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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 have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I contacted representatives from the following entities, XXXX and Bank of America. 

I received confirmation from both creditors that it would not face negative consequences due to COVID19. As you may be aware, NY was under quarantine for over 2 months which has prevented an steady flow of income. Both representative advised me that the only thing I should be aware of is that the balance would still accrue interest throughout the payment deferral. 

Unfortunately, these representatives did not stick to their word and now my credit has been impacted severely. If that was going to be the case, they should have CLEARLY advised that. I have accounts with other creditors who had advised me the same and there are no derogatory remarks on those accounts. 

As a resolution, I would like Bank of American and XXXX to remove any derogatory remarks from my credit report. 

According to the Fair Credit Reporting Act, it is absolutely necessary to report my credit information in a fair and accurate manner. Due to the misleading information provided by the creditors, I urge that this be implemented as soon as possible.

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 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification Equifax and Experian and TransUnion claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.

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 2019-03-06
Company: Experian Information Solutions Inc.
State: MI
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:
Personal Statement I have been a victim of id theft and following up to clear up some remaining inquiries that are not mine and it was an attempt to open accounts in my name. The fraudulent inquiries are XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX na XX/XX/XXXX XXXX XXXX XXXX na XXXX XX/XX/XXXX XXXX ) XXXX   XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX oil no XXXX on XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These are all unauthorized inquiries made by someone other than me please remove from my report. I have already begun contacting all the appropriate parties.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 non-monetary relief
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D )  XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX {$960.00} ( G ) XXXX XXXX XXXX  {$670.00} ( H ) XXXX XXXX XXXX {$71.00} ( I ) XXXX XXXX XXXX {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.

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 2020-05-17
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I mailed a letter to Experian in regards to accounts listed on my credit report. I wanted Experian to verify the listed accounts below. 
XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX Massachusetts XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Being that I had not heard from Experian so on XX/XX/2020, I mailed a No Response Letter asking for deletions of said accounts. Additionally, I mailed a new letter on the same day asking for vertifications of the accounts listed below. 

XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account As of XX/XX/2020, I still have not received any correspondence from Experian regarding both letters mailed to their office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: LoanCare, LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan was transfer from XXXX, who filed Ch. XXXX to LoanCare. Prior to my transfer I had requested a cancellation of my escrow, which was confirmed by XXXX. Something did not transfer right, only the insurance portion was canceled. When I made my payment without the escrow amount I was charged a late fee. I quickly resolved the issue but have been fighting with LoanCare for 4 months to have the fee reversed and apply my payment correctly. After I was told in XXXX & XXXX that the fee was reversed on XX/XX/XXXX and the overpayment that was put to the principal curtailment would be adjusted if I paid X dollars in XXXX. After my XXXX payment I received a call that nope I was given misinformation and that now I have a short payment again. I have requested that they pull the phone recordings to prove that it was not my fault and that their customer service confirmed the information. In the meantime they are refusing to complete the cancelation of my escrow because I have a late payment.

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 2020-09-02
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of ID theft. I have been battling this ID theft since XXXX. My credit report stays frozen to prevent new fraud, however I suspect for this type of service XXXX does not actually check credit reports to authorize service. 

On XX/XX/XXXX I mailed my standard fraud packet to Enhanced Recovery, which I am very accustomed to doing as new utility and medical accounts pop up on my credit report from time to time. This was sent via USPS to there XXXX XXXX XXXX in XXXX Florida. 

On XX/XX/XXXX I noticed this account was still on my credit report and I had not received any communications back from ERC. I placed a phone call, explained the nature of my call and provided the representative with my full social security number. He located my account and confirmed the balance was for a collection account outside of my home state of California. I explained that I had sent out a fraud packet and expected this account to be swiftly removed from my credit report. He deferred me to XXXX  and stated they would not remove anything from my credit report without specific instructions from XXXX. I advised him that Enhanced Recovery is the entity on my credit report and not XXXX, and therefore the company breaking the law and perpetuating abusive consumer practices is ERC. 

Not intending to argue, I reached out to XXXX  as advised by the Representative at ERC. He even provided me with XXXX account number as XXXX. I explained to the XXXX  representative my situation, and he proceed to attempt to look me up using the alledged account number provided to me by ERC. He stated he was not able to find any account using the information provided. I advised him ERC found the account using my social security number, and he then proceeded to search using my social. He still found nothing. Very frustrating, as I had advised him I am in the middle of refinancing my mortgage to take advantage of the historic low rates, and I may be losing out on this opportunity thanks to there complete and utter incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I askedcompany to cease and desist at least 3 times by mail, they are still sending me letters in regards to the debt. I asked company to validate debt over 3 times, they couldnt. They are still reporting debt and in violation of the fcra. I would like debt removed and settlement in regards to their numerous violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report and show inaccurate information listed on my report. creditor XXXX/XXXX is showing a charge off account with conflicting last payment dates on my credit report throughout credit bureaus. I requested to have account verified and I have not received any information back per my dispute. I am now being directly violated and have issues with credit reporting and I'm in distress. Listed below is creditor information and inaccurate last payment dates Creditor : XXXX Account number : XXXX Last payment dates listed between credit bureaus : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have requested verification and have not received any dispute results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was compromised on XX/XX/2019 when I was travelling to XXXX. 
On that day, there were three fraudulent charges on my card. First, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the amount of {$920.00}, yet this charge didn't get through as I received the alert email from the bank. Second, I got two charges from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX with the amounts of {$860.00} and {$43.00}. I call HSBC to reserve these two unauthorized charges but my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 incorrect information on my credit file as a result of identity theft:XXXX XXXX XXXX - OPENED XXXX 2019 - $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 2020-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, someone allegedly opened up an XXXX XXXX XXXX account in my name. The initial use of the card was {$54.00} at first, below is the current for the transaction information on my credit report. I contacted the XXXX XXXX and they stated, as I know to be true, my account with them was paid off and closed by them in XXXX. It is pure nonsense for them to close my account and then allow me to reopen another XXXX less than 6 months later. I spoke with a representative on the phone and she stated that I must go through the Credit Bureau reporting company individually. My Credit score because of the allowed fraudulence has now dropped by over 20+ points since first reported. I ask your Company take the appropriate steps to close the fraudulent account and repair the damage done to my credit score. Thank you for your assistance in this manner. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$1500.00} / {$11000.00} You're currently using 14 % of your account 's limit. 

Balance {$1500.00} Credit limit {$11000.00} Minimum monthly payment {$39.00} Opened XX/XX/XXXX ( 3 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Open Type Flexible Spending Credit Card Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First, I'm not sure of the routing number or the address as to where our accounts went. As you must be aware, US Bank has taken over all accounts from XXXX XXXX XXXX. My wife and I have several XXXX XXXX XXXX IRA 's. In the transfer US Bank states it will honor the interest rate until maturity but states that after next year they will impose a " maintenance fee '' for having the accounts. When we signed up with XXXX XXXX XXXX  it was because of the interest rate and the fact they had no fees. We believe the introduction of fees is against what we signed up for. We do not see how they can do this. In my phone conversation with a " regulator '' he stated I needed to wait until US Bank had officially taken over, which I believe was XX/XX/XXXX. 

On XX/XX/20 at XXXX with XXXX ( who hung up on me ) then XXXX who transferred me to 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 2019-02-24
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter thru USPS to BullCity Financial requesting validation of an alleged debt in the amount of { {$300.00} } that they are reporting on my credit profile. The certified letter was received on XX/XX/XXXX, at XXXX XXXX USPS tracking number XXXX and as of today XX/XX/XXXX I have not received the requested information and the derogatory item still remains on my credit reports. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my creditworthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, I have the right to dispute their claim and request validation of the alleged debt. I also understand that under the law they had 30 days from receipt of the letter to verify this item and that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that I sent to BullCity Financial Solutions requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am in process of buying a home and in the middle of buying a home this XXXX XXXX loan appears and i have paid this already. They garnished my wages in 2018 and it has since been paid and XXXX balance in full. I have the letters stating it is done and completed. I would like this to be off my report stating it is still open and showing balance as well as reporting all the bad missing payment history. I have a letter from US dept of Education on XXXX 15,2018 that stated notice of cancellation of order for withholding of wages. I also have a letter on XXXX XXXX, 2018 account number XXXX stating my debt is settled in full. Please remove off all credit bureaus

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