BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Name, Address, Phone Numbers are incorrect FCRA VIOLATION see attached documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCharge Card Balance {$1200.00} Date OpenedXXXX Recent Payment- Original Creditor- Details XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$580.00} Date XXXX Recent Payment- Original Creditor- Details XXXX XXXX  XXXX XXXX XXXX negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Recent Payment- Original Creditor- Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX On Record Until XX/XX/XXXX Court Information Court XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Phone Number -

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 2021-02-12
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Aldous & Associates, PLLC
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:
I have this account that is not mine and i want it to be removed. 

1. Identity Theft XXXX ( Original Creditor 05 XXXX XXXX  ) Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX there was a collection account listed on my Equifax report with XXXX, XXXX XXXX XXXX for {$470.00} on the updated report dated XX/XX/XXXX the collections account was no longer listed ; it had been deleted. Now as of today XX/XX/XXXX the account is listed again on my Equifax report with the same collection company and same amount. This information is from XXXX XXXX. Once a collection is deleted it should not be added back with the same information originally deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was recently alerted to an account in collections to the sum of {$5000.00} ( est. ) that is not mine. In XX/XX/2020 I had the XXXX and went to the ER for XXXX and was released within a few hours. I received a bill of {$1200.00} after insurance coverage and paid it promptly. I never received any other bill but received scam-like calls asking for random and different amounts owed that were unprofessional and did not seem credible. Ive also received text messages and mail saying Ive been enrolled in a XXXX XXXX XXXXXXXX XXXX  ( XXXX ), and Ive absolutely am not in school for anything medical related, nor any other type of schooling. I believe my information was compromised during that visit to the ER and believe this debt is Fraud-related.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: TN
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 sent documents to Experian showing them that XXXX removed a chapter XXXX bankruptcy from my credit report and they continue to states that this information is accurate. I have several documents from XXXX showing that they removed this item from my credit file with them.

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 2021-08-20
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: BARCLAYS BANK DELAWARE
State: MA
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:
On XX/XX/2018 a hard inquiry was reported on my credit report from an unfamiliar bank I don't have an account with. After contacting the bank, they confirmed a credit card was applied for using my information. This was not done 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 non-monetary relief
Consumer complaint received 2019-05-28
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from Stoneleigh Recovery Associates about an account with XXXX XXXX, XXXX XXXX. I notified the collection company and I have never had an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had disputed a transaction with bank of america about fraudulent transactions on my account i had money in my account that i was saving for my grandmothers birthday only to notice that my banking information had been compromised. When i noticed that my funds where missing i reported it to bank of america as soon as i noticed. The location that i am in only has Bank of america atm 's so i couldn't even go inside of a branch to report the problem. I filed a dispute once i finally got a hold of a representative she was very rude and hung up on me not being the slightest bit of professional. My dispute got denied and i submitted another dispute and another lady was rude as well about it not trying to do anything to help me or give me steps on what i should do next and putting the bare minimum in my dispute which may be the reason why my funds where not refunded. As soon as i noticed my funds where missing i reported it immediately like i was supposed to and they still did not help me even though i explained to them that my debit card was stolen and they still are holding me accountable for these transactions. I need help 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 2021-03-31
Company: EQUIFAX, INC.
State: LA
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:
To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX Collection Creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Remove the inaccurate 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 2021-03-31
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION XXXX XXXX a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my home with the same bank as my current mortgage. 
Santander Bank. 
The bank is not going to refi without a profit and loss statement. 
I have already given the bank prior tax returns an all other documentation needed with no issues. 
I have XXXX in equity in my home I have XXXX cash in the bank Something does not seem right due to the fact that we are in never before seen times due to health emergency. 
They wanted 2021 tax returns but we havent filed yet as a lot of businesses have not done. 
Turned down for a refi with the same bank i pay monthly over not disclosing my profit and loss information I am a small business owner and not one to quickly judge anyone 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 2021-03-31
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: Credit inquiries on your report that you don't recognize

Complaint:
Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by XXXX ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit 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 2021-02-12
Company: Experian Information Solutions 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:
I filed for chXXXX as a result of medical billing. The discharge was granted XX/XX/XXXX and we began the process of rebuilding credit. I applied for a credit card with a particular company on XX/XX/XXXX - AFTER the discharge, important point here. Upon receiving the card and reviewing Terms I choose to not use the card and the account closed without use in XX/XX/XXXX. 

Experian shows the account reported by the particular company as being discharged as part of the chXXXX AND having a late payment in XX/XX/XXXX. Both of these are impossible. An account that was opened on XX/XX/XXXX CAN NOT have a missed/late payment in XX/XX/XXXX. An account that was opened on XX/XX/XXXX CAN NOT be discharged as part of a court event that took place on XX/XX/XXXX. In both instances the account did not even exist. This is ludicrous. 

I disputed this twice to Experian. The first time they said the particular company said, " Nope, the info is correct. '' So I disputed a second time with dates and screenshots from their report and my discharge papers to prove the dates showed it was impossible to have a late payment and be part of the discharge. Somehow the second dispute investigation came back saying, " Nope, you bankruptcy was confirmed by the court. '' Are you kidding me? Is this that hard to understand and correct? This entity is responsible for credit reporting. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09
Company: Visio Financial Services Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was coerced into a hard money loan on my primary home that I had paid off ( I found out this is illegal in the state of Md ), with he idea of getting on track and getting my credit score up. I missed a payment and they would not let me send in a payment. They said that they only debit money from a person 's account. My payments were $ XXXX/month. By the time they were going to make the next deduction it was over {$5000.00}. I was expecting somewhere around {$4500.00}. After that it was stop gap measure here and there trying to stopdelay them foreclosing on my primary home. They sold the loan to another loan company which eventually foreclosed. The sale was held and the primary company I got the loan in the first place bought my home. I have received a eviction notice. This was done by XXXX XXXX agent XXXX XXXX and Title agent XXXX XXXX. I doubt I am the only person they got caught up in this scam. I got an email from him on XX/XX/XXXX about the appraisal, to make sure I told the appraiser that the home was not owner occupied. On XX/XX/XXXX I got an eviction notice taped to my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Account Was Closed 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 2021-03-31
Company: ENCORE CAPITAL GROUP 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXXXXXX IN Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
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:
I recently reviewed my credit report and found a collections account and multiple inquiries that do not belong to me. I have reached out to the companies involved and am not getting any sort of response. I've had enough patience waiting for them to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my son a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation