BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-13
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
They're so many.. From credit cards, XXXX XXXX product sent to  XXXX  that was supposed to go to XXXX, to SBA Loan , personal information, closed credit cards, credit score lower than ever. 
I was forced to retire last XXXX. I was hit by numerous celebrity imposters since XXXX thru XX/XX/2020 on XXXX and XXXX, XXXX chat apps on my XXXX   and online. I am flat broke, my credit score is now XXXX when it used to be XXXX, my previous bank closed my checking account, due to an SBA Loan wired to my checking account. I still had my auto pay running and they continued to charge me fees, they raised the amount so far in the red, that they knew I couldn't pay that amount, etc. An SBA Loan was ACH/Wired to my checking account then the imposter ( I found out later was an imposter instead of a celebrity ) XXXX XXXX with Corporate Security with XXXX  has been after me. Collection agencies are sending me letters. I don't have a lot of retirement income. I had to move in with my parents due to family illness. Now my mom is XXXX XXXX. They do not know my situation at all. I prefer they don't know. Gift cards were purchased with the credit cards that were mailed to me. Ms. XXXX with Amex Gold and XXXX XXXX were contacted about my balances. They finally closed my accounts, but after me to pay for the balances. A user name : XXXX set  them up, was supposed to be an account manager. My XXXX  cards were used, XXXX, XXXX was used to send the imposters money. I really need your help. I can't afford to make the monthly payments they all want me to make to get my accounts down, but not wanting to re open the accounts. I know better, but was lonely and vulnerable. I have a husband in XXXX  and next year to be sent to XXXX  for 25 years in XXXX  . I am so terrified and the walls are closing in. I have been taking an XXXX XXXX  for 3 years and now my XXXX is at it's peak because of the overall debt. I have so many other pictures I didn't know what your limit was on uploading them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2022-09-14
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX - account was reinserted on my credit file without the 5 day notice to notify me which is required by law causing me to get denied for a home loan and have cause much XXXX. No other credit reporting agency is reporting this debt making it inconsistent.

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 2021-03-01
Company: Experian Information Solutions Inc.
State: NC
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 been a victim of ID theft THIS IS NOT A DISPUTE. I have notified the 3 credit bureaus numerous times on this crime and they are willfully, knowingly with intent refusing to REMOVE AND PERMANENTLY BLOCK several of these fraudulent accounts in an attempt to cause me damages. They are even allowing the alleged creditor to change the account numbers and dates to keep the fraudulent accounts on my report to cause me damages. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please see Affidavit of ID Theft for a complete list of all fraudulent accounts associated with this crime. Willful refusal to remove and block is now a violation of several sections of the FDCPA AND FCRA specifically sections 605 ( b ), 615 ( f ) and 623 ( A ) ( 6 ). PLEASE IMMEDIATELY REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS within 4 days of receipt of this report.

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 2023-03-08
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Synchrony Bank issued a complaint in the XXXX XXXX For XXXX XXXX XXXX. Synchrony Bank state that I was served a summons. This is incorrect. I was not served. The complaint is for an alleged debt. I have not been able to dispute this debt yet Synchrony Bank is suing me for the alleged debt. XX/XX/2022 I sent a Cease and Desist via certified mail. Pursant to the Fair Debt Collection Practices Act - 15 USC 1692c ( c ) how can an attorney file a lawsuit against ( and thereby commuicate with ) a non-consenting consumer or file a motion for summary judgement against that consumer? Synchrony Bank is in violation of the XXXX XXXX XXXX XXXX XXXX by furnishing my personal information such as my social security number, address and phone number to the third party, XXXX, XXXX XXXX, XXXX & XXXX, XXXX. Synchrony Bank has had a complaint sanctioned by the Consumer Financial Protection Bureau which has been attached.

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 2020-07-16
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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 am intrested In disputing all incorrect information on my credit with experian.

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 2021-06-08
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My monthly loan payment was made on time via XXXX XXXX automatic electronic bill pay. See attached proof of payment. Payment was then returned by LoanDepot with absolutely no explanation. Customer service was completely useless and routed my calls to a collection department who were unable to answer any questions as to why my payment was returned. Late fees were assessed as well as false credit reporting for non-payment. Customer service was contacted multiple times and were completely useless, unable to provide any information as to why my payment was returned, wasting a few hours of my time over multiple attempts to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: OK
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 am writing to dispute the following items attached to this complaint, that are still reporting inaccurately after your reinvestigation. I disputed these items through the CFPB in XXXX, XXXX and XXXX My credit reports from XXXX through XXXX will reflect that no investigation was done and that all disputed items are still reporting inaccurately on my credit report. I am requesting that you remove the disputed items from my credit report immediately. I have a right to an accurate credit report, and these inaccurate items are harming my credit score and ability to obtain loans and other forms of credit. I have enclosed a copy of my credit reports with the disputed items circled, as well as supporting documentation. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-09-13
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I've have been in contact with Wells Fargo since XX/XX/XXXX as to why my Mortgage is is listed as closed at all 3 credit bureau. I've been told repeatedly by Wells Fargo representative they're updating ... My account was closed or removed from all credit agencies since XX/XX/XXXX. I've gone to the a local branch office to address my situation and once again, was told in the situation will be corrected. This has been going on since XXXX of XXXX ... I recontacted WellsFargo and was told my account will be finalized/added to all reporting agencies the first or second week in XXXX. I'm at my wits end and reaching out to you for assistance. Please note, I am trying to rebuild my credit but clearly Wells Fargo is not helping me in this endeavor. 

Thank you! 
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 2023-10-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Date is XX/XX/XXXX? XXXX. Amount : {$750.00}.. I have deputed this information and I have not received the information which I am requesting. This leaves me with greater Concerns from XXXX at XXXX and your company is reporting on sharing my identity and information that is NOT correct which is reflecting on my credit Report with in-accurate information that is affecting my life which has hurt my ability to obtain credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on the credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ).

FCRA also according to 15 US Code 1681 ( s ) 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must removed the account ( XXXX ) from my credit profile.

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 2023-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
I am writing to dispute an account on my credit report that was reported by BANK OF AMERICA on XX/XX/2019. The ownership reason for this dispute is that I have no knowledge of this account. 
Upon reviewing my credit report, I noticed that there is an account that I am not familiar with, and I have never opened or used any services from BANK OF AMERICA. Therefore

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 2023-10-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All reporting agencies and the three credit bureaus have messed my personal address and name and birthdate I have one address it is on file with cfpb along with spelling of name and birthdate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiries listed on my XXXX XXXXXXXX XXXX and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.

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 2020-09-13
Company: EQUIFAX, INC.
State: MN
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:
The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/20, XXXX XX/XX/20, XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.

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 2022-11-30
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX CARD 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 2021-08-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to access my credit report from Experian online. I have tried calling the number that they gave me, because of their system issues and I get a automated system that will not let me speak to a human being, because there isn't any options on the automated system that can not help me.Therefore Experian is refusing to give me access to my report, as well as not allowing me to file a dispute in regards to any negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I left the XXXX XXXX  for ADA reasons. I haven't filed an ADA complaint over this yet but, I'm close to doing so. I don't owe this apartment community anything. I've submitting a XXXX balance receipt several times and it is still not coming off. This makes no sense. It's illegal to list this. it's a federal crime.

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 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 credit cards with Bank of America, and I put both of them on AutoPay. But, Autopay didn't work, so I got charged a late fee on both. Also note that : 1 ) Bank of America recently rearranged the menu items in the payment center in a more confusing way ; 2 ) Certain buttons do not show up in XXXX at all, while they do show up in XXXX ; XXXX ) Autopay has long had problems, substantiated all over the internet, e.g. XXXX XXXX XXXX 4 ) I know that I've put the cards on Autopay, or at least I've tried, but the Bank of America XXXX said I never did- that is upsetting.

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