BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX claims they charged off a debt of {$140.00} for an account that was not mine yet they report it as a bad debt against me. The account XXXX was my father 's checking account, not mine. 
XXXX closed the account immediately once he was deceased without notifying anyone. Apparently this caused overdrafts for auto payments totaling {$140.00}, but rather than alerting anyone in our family they instead reported it to the credit bureau. Had they attempted to resolve with my father 's estate, it would have been paid promptly. Once my brother ( the executor  of my father 's will ) discovered that this amount was overdraft from seeing it on his and my credit report, he went to XXXX and paid it in full. We have a receipt for this which we have produced multiple times to XXXX and to the credit bureau to no avail. I have tried multiple times to get XXXX to remove this bad report because : 1. They didn't have to charge off the {$140.00} ( it was paid ) 2. It was my father 's bank account NOT mine

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 2023-02-17
Company: UNITED COMMUNITY BANK
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan XXXX XXXXXXXX This company has been notified COUNTLESS times that they are in error and are willfully committing XXXX XXXX and XXXX XXXX. They are now overdue on a bill that was sent to them for {$6900.00}. This is due to an overpayment that was sent on XX/XX/2020 in the amount of {$1400.00} and includes other XXXX fees & penalties. We need LEGAL ASSISTANCE to collect on this debt and are demanding full recovery.

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 2023-06-07
Company: Fidelity National Information Services, Inc. (FNIS)
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: Investigation took more than 30 days

Complaint:
I sent a letter out on XXXX to XXXX, XXXX, XXXX and Chexsystems here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Please refer to my previous CFPB complaints about this matter : XXXX and XXXX I had opened a Checking account with BB & T during XX/XX/XXXX or XX/XX/XXXX. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. Moreover My XXXX payment request is also blocked or stopped. I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times. 
For this I filed a CFPB complaint. Seems to be the case that CFPB is a toothless agency with no powers. CFPB merely forwards the message and do nothing. 
I got the worst possible response from this bank : Neither they will unblock the account nor they will close my bank account and send the balance to me. It seems to me that this BB & T is not a bank but some militia who has their own set of rules. 

Neither they will unblock the account nor they will close my bank account and send the balance to 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 2022-12-31
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:
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.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
this bank company is reporting negative, false, misleading wrong information on my credit report, they are reporting fraudulent information on my credit report..on experian they are reporting my account as a mortgage loan that has been charged off, and on XXXX its showing a charged off credit card, and this is far from the truth, this is a deposit account only, this was not a loan nor a credit card, this was a deposit account only, a place were i deposit money only. it appears like this on experian XXXX XXXX XXXX - XXXX and like this as on 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 2023-09-29
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I requested ALL paperwork from the company who sold my home ( Via forced illegal forced sale ). In return I received fraudulent paperwork involving disclosure. I asked the company but never received the full the report or the appraisal or any initial offerings. I received fraudulent reports and trumped up charges from a servicer company who was not even service my loan. The escrow company 's are XXXX XXXX XXXX XXXX XXXX XXXX and Granite escrow service and settlement in XXXX XXXX. These these escrow are in connection with XXXX XXXX  in XXXX, XXXX Mortgage servicing, XXXX, XXXX Mortgage servicing, and international capitol group inc. All of these companies had serviced my loan from the original lender XXXX XXXX. I then refinanced a year later with International Capitol group. There are major inconsistencies with the initial mortgage purchase, mortgage pay off, interest, and taxes. Also, evidence of title theft, during the initial purchase, the refinance, and the sale of my ( home XXXX XXXX XXXX XXXX CA XXXX ) I have substantial evidence in support of these claims. 

To exacerbate this claim, I have even more evidence in support of a sophisticated racketeering operation. This operation involves Title fraud, collusion of mortgage sales, Identity theft, Perjury, Aggravated Grand theft, mortgage fraud, escrow fraud, hacking into title accounts, hacking into government accounts, hacking into court records, fraudulent court paperwork, fraudulent evictions, and fraud upon the court by judicial officers of the court. 

All a sophisticated fraud group weaponizes the already complicated intertwined systems of mortgage, escrow, title, and even the courts to commit white collar crimes. They operate by multiple means. They Use a combination of fraudulent files, fraudulent paperwork, identity theft, hacked files, and perjury. In Conjunction with there group of connection, they collude with brokers, agents, underwriters, lenders, escrow companies, title companies, attorneys, court clerks and even judges. Using kick backs from the equity sale of the homes. I have substantial evidence in support of all claims. 

I have a tremendous amount of evidence and can not send it all. 

I humbly ask this please be investigated. 
XXXX XXXX XXXX XXXX ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
I received alerts today from the three credit bureaus ( Experian, XXXX, and XXXX ) that there were two credit inquiries on my credit report which I didn't authorize. 

As a victim of identity theft I want the credit inquiries removed from my credit reports. I called XXXX XXXX  and XXXX XXXX XXXX  and they told me to contact the credit bureaus to remove the credit inquiries. I contacted the credit bureaus but they were not helpful.

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 2022-12-31
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 2022-07-05
Company: Experian Information Solutions Inc.
State: OK
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 sent a letter off on XXXX XXXX to Experian, XXXX, XXXX, tracking number for each letter Experian # XXXX, XXXX # XXXX, XXXX XXXX, to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I HAVE THE RIGHT TO PRIVACY. Also according to the 15 USC 6802 NO FINANCIAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE These are clear violations of my federally protected consumer rights

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 2023-11-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-03-01
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the XXXX/Bridgecrest account on my credit report for inaccurate information several times since XXXX, again in XXXX, and most recently sent in again in XXXX of XXXX. This account has multiple inaccuracies being reported which have been negatively impacting my credit. In some instances it shows as an open account. This account is not an open active account. Second it has a charge off status and is reporting a past due balance of {$600.00}. How can an account that was charged off in XX/XX/XXXX still be reporting as open, active and with a past due balance? Furthermore based on how The Internal Revenue Service treats charge offs as ordinary income and income can not be reported on consumer reports. According to 15 US C 1681 e ( b ) Accuracy of Report Whenever a Consumer Reporting Agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about whom the report relates. I have previously requested that you delete this account and now will be escalating to the CFPB as I believe that XXXX/Bridgecrest is in violation of 15 US C 1681 s2a Reporting Information with Actual Knowledge of Errors 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Nelnet has been unable to provide proper legal documentation. 

Please provide the MPN in its original form for any and all alleged accounts and disbursements. 

Please provide the MPN for The University of XXXX  XXXX XXXX in its original form

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted complaint number XXXX. The company has never called me to resolve this, however when I called in they state they did everything correctly. That is just ridiculous as between XXXX and Nationstar they reported to the XXXX  that I received interest on my escrow account in the amount of {$64.00}, when in reality, Nationstar mis-stated the amount THEY paid by including what XXXX paid when the loan was transferred. I only made {$35.00} in interest. Now I must file my taxes for 2020 and the return will give the impression I received more interest income than I actually did. This is easy to understand, Nationstar is just too stupid to understand it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I had received a mail from the IRS that someone tried to file taxes under my name, I start doing investigation and start getting all the call from those companies, I called my lawyers that is how I found out I am a victim of identity theft. I filed a complaint with FTC. 

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account, and XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-09-29
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
They have called me thirteen times in a matter of four days in order to collect a debt that they show in their system as paid off. I paid the card yesterday and am still receiving calls about it. As I understand they're only allowed to call seven times in seven days, they keep calling and refuse to leave messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: ID Analytics, 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:
I am writing this complaint to Sagestream. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc.

They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: MD
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 requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXXXXXX 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 non-monetary relief