BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
In accordance with FCRA ( fair credit reporting act ) XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX company failed to mitigate damages ( XXXX RPL XXXX ) from an early termination of a XXXX  Lease during Covid ( high risk and had to leave the city ) and instead left the unit off market and sent me to collections for ~ {$5000.00} in unpaid rent. XXXX XXXX time frame. 

Currently suing the XXXX XXXX XXXX in XXXX small claims court for this violation of duty to mitigate. Courts are backed up and waiting for a docket. 

As soon as informed that the XXXX sent me to collections, I sent a certified debt validation letter via XXXX XXXX XXXX XXXX XXXX XXXX XXXX the debt collector ) on XX/XX/XXXX. 

HW IncXXXX refused to accept the Debt Validation letter and it was returned. 

Subsequently, I filed disputes with the 3 CRBs. 

HW Inc. replied to them ( but not me ) on XX/XX/XXXX ( according the HW rep on phone ). 

Still receiving harassing phone calls from HW Inc. as of XX/XX/XXXX, despite having informed them of the Debt Validation attempt and the ongoing court case. 

Attempting to purchase my first home to start a family and am having difficulty with mortgage approval from this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: RSH & Associates, LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RSH & Associates showing a collection opened XX/XX/XXXX, however, the are not showing a date of last activity, however they keep reporting it monthly even though it is over 4 years old.  The date of last activity needs to be shown.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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 been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to Experian 's misuse of their dispute practices. Previously, I disputed accounts from XXXXXXXX XXXX  XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. I disputed these directly with the companies as well as with all 3 credit reporting agencies. XXXX responded to the XXXX XXXX dispute by reporting the account " Paid in Full ''. Experian responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have called multiple times and made multiple disputes I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights ACCOUNT NUMBERS : XXXX, XXXX ALL XXXX ACCOUNTS

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 2023-02-01
Company: Experian Information Solutions Inc.
State: WI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: DE
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 have called multiple times and made multiple disputes I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights ACCOUNT NUMBERS : XXXX, XXXX ALL XXXX ACCOUNTS

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 2019-04-13
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. IT WAS CHARGED OFF AND SENT TO DITECH AND XXXX XXXX XXXX AND DITECH HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE XXXX XXXX XXXX. 2009. THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH DITECH AND IT IS NOT BEING HONORED. DITECH KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had attempted to open an XXXX account at Wells Fargo in XXXX and they were suppose to move my current XXXX into their institution. They never moved the funds due to a technical error. I requested my money back to which they said they would. I forgot about the discussion, they sold my account to XXXX XXXX and now XXXX is threatening me for overdraft charges for an account that should not have been opened and have taken my {$100.00}. I would like my {$100.00} back as I requested within the first month of the account being opened. XXXX XXXX refuses to provide me the money even though they accepted the account and responsibility. They claimed Wells is responsible ; which is not an accurate statement as that does not absolve them from Wells actions.

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 2023-11-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I started getting credit card statements in someone's else 's name at my address. It is a Sears card through Citi. I have been returning to sender with " person not at this address ''. I also received a letter indicating that replacement cards are being issued and will be sent to my address. I have spent 2 days and called about XXXX different XXXX # 's to try and get a live person on the phone. All you get is the " Speech enabled system ''. I tried calling the corporate office phone # listed on the internet for Citigroup and got someone but she was in public affairs. The fraud phone # that is provided puts you in this same " speech enabled system '' which is comforting to say the least in the case of fraudulent activity.

I do not have a Sears card and I question whether there has been identity theft here or just a strange " clerical '' issue though I can't believe the person did not know their address.

I am seeing that I am not the only one having issues with the Citi Sears card as there are many inquiries from people on how to reach a LIVE person for Citi and/or Sears card . 

This has been maddening. I need to get this resolved and get assurances that there has been no identity theft.

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 2022-01-08
Company: Global Lending Services LLC
State: NJ
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 noticed multiple inquiries from different companies, I do not recognize. Also, I haven't authorized for them to use my information, and I would like them to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: MS
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 sent several letters to the credit bureaus that there was a discrepancy on my account but I am not getting any response after 30-45 days filling the dispute. 

below are the information that i wanted to be removed : 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 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

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 and 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 2021-09-23
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Information was entered wrong on a Transaction history and disputed regarding XXXX XXXX. The credit score fico score was dropped 50 points and a bad report was given, We paid XXXX $ for a monthly report and XXXX $ for 2 more reports and can not get this cleaned up. I feel we have been taken advantage of, and the problem is not going away. I can not load up the data required to clean up the miss-alined reporting. I have called and disputed the history of the information. I have contacted consumer protection at the State of Wisconsin to help us get the correct data on file.

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 2023-04-03
Company: EQUIFAX, INC.
State: FL
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 have attached an FTC report with collections and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened an account with Bank of America Last year and every since I have been making payments on this account it has been excessive. Every month it is a different issue. Last month is was them claiming they didn't receive a payment. The month before that my payment double with interest. This month no one could explain my interest rates and I'm paying a total of 73 % in one payment. Bank of America is the only card with this excessive interest and I would like to know if it is even legal to charge me that much interest in one payment cycle. 

My Contact XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Total due balance {$10000.00} Payment {$320.00} Interest {$220.00}

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 monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
Company: CORELOGIC 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:
CoreLogic was requested to investigate on an account that does not belong to me.

This account also had missing information reporting using terms like N/A, details left blank, - and still CoreLogic choose to send me a response saying that it has completed its investigation.

Pursuant to FCRA, no reporting agency can report information that can not be verified. Why is this account in my name when it is not mine and can not be verified?

I am days away from filing a lawsuit against CoreLogic and XXXX  for wrongful reporting and willful non-compliance of the FCRA laws.

This account is so inaccurate that on its CoreLogic XXXX report has the last date reported asXX/XX/XXXX, while the original CoreLogic has the last date reported as XX/XX/XXXX.

Both reporting the same account listed as XXXX XXXX. But reporting this account while it can not be verified with missing data.

After this complaint is closed, if this account is not removed from both reports ( CoreLogic and CoreLogic XXXX ) I will file a suit.

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 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened an account with Bank of America. Funded it with just over {$1000.00}. They closed it a couple of weeks later. They say they sent a check in XXXX, but i never received it. Now they are saying I have to wait 120 days for them to reissue me a new check. I didn't even want the account closed.

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 2022-08-11
Company: Experian Information Solutions 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:
The account reporting by XXXX XXXX  is fraudulent. I do not owe the original creditor. There is not even a date of first delenquincy. not only that i have proof from original creditor that my balance was XXXX at the time of account closure. i want this inaccurate information removed imediately for violation of my consumer rights under the fcra Delete for violation of 15 U.S. Code 1681e ( 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 individual about whom the report relates.

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 2019-04-13
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:
When you go online to Equifax and try and file a dispute - the online application closes abruptly and then an error message says can not process at this time. This happens all the time and has happened since I fired them as my monitoring service. 

The XXXX, GA address is not my address - that is the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been going back and forth with Outsource Receivables Management about a debt they have attempted to charge me with. As we continue to go back and forth about us not having any association with the car being abandoned and towed. We sold the car in XXXX of XXXX. We have absolutely no ties with this car. I have been told that we are tired because we are listed on the registration then we proceed documentation that shows we removed the registration on XX/XX/2020. However, I was then told well I was towed to the VIN number because the people we had sold the car never registered the car. First off, no where does it state in the Utah Code for Motor vehicle that we have to have the new owners register the car. 41-1A-702 of Motor vehicle act states once you sign the title that the ownership is transferred.Once the car title was signed by XXXX and the new owner that was it. As well as when the car was found the police officer that came down reported that there was no further action required. We went above and beyond just signing the title, we removed the registration, removed the insurance, removed the plates before they took it, as well as reported the car as sold. Here is the documentation from the Utah State tax commission- Division of Motor Vehicles stating that we reported the car as sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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