BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-08
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:
On XX/XX/2019 at XXXX XXXX, I mailed off to " XXXX  '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX  '' {$1800.00} account as of XX/XX/2019, is still reporting and has not been removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My account with bank of America was compromised and I did not get my money resolved from this Bank

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX I mailed a certified letters to XXXX XXXX demanding them to verify accounts by providing ME a signed copy of the original contract of the following accounts or remove them immediately. 
XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. 
Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it XXXX which have not been provided to me. Under the FCRA, if you can not provide me proof of this information, this must be removed 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 2023-06-28
Company: Experian Information Solutions Inc.
State: CA
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:
Unauthorized Experian and XXXX XXXX inquiry errors to be removed immediately : Dates : XX/XX/2023 and XX/XX/2023 XXXX and 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$12000.00}

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 non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: OH
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 a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerious times. I Demand this account XXXX XXXX XXXX to be removed because.

According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to Furnish that Account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent the Validation to this company on XX/XX/XXXX. At the same time I sent dispute to XXXX, XXXX and XXXX disputing this account. 


ON XX/XX/XXXX I received the results of investigation from XXXX, XXXX and XXXX staying the account was validate from your company. 
As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. 

On XX/XX/XXXX I received your debt validation responses. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

This Company violated the FCRA because Once you dispute the debt, the debt collector must stop all debt collection activities until it provides you with proof that you actually owe the debt. Witch in my case, they didn't stop collection activity and validated this account with the credit bureau before provide me with proof that I actually owe the debt As I am sure you are well aware, under FDCPA Section 809 ( b ),  you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

Also, This company Violated the FDCPA because I never received from this company, " RIGHT TO NOTICE OF DEBT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX DOB XXXX SS XXXX I am not an attorney or a third party, I am filing a complaint on behave of myself. 
I have been traveling back and forth from California to Ohio for the past 3 years. I am however an Ohio resident. I am requesting a copy of my full XXXX XXXX, XXXX and XXXX credit reports. I am not sure how all this works but I would like a Security PIN from all 3 so I can protect the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Tuition for my son 's school is to be paid via an invoice, however the tuition was debit via an ACH. The school was unable to stop the payment so I called the online support team for Citizens Bank and asked if they would be able to return the ACH since it was the same day & they said no. I then went to my local branch and the Assistant Manager briefly listened to what was going on and suggested I go to the branch where I opened my account for them to help me. He then accepted a phone call mid conversation and ended the interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Nationwide Biweekly Administration, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon the closing of the purchase of our home in XXXX XXXX, we received a solicitation in the mail for Nationwide Bi-Weekly 's program. We signed up with Nationwide on XXXX/XXXX/XXXX, on the promise that our mortgage would be paid off sooner than 30 years. Our bi-weekly payment was set at {$340.00} for a total monthly payment of {$680.00}. We were charged a " one-time set up fee '' of {$340.00} at the beginning of the contract. In XXXX XXXX, we received a letter from Nationwide stating that " due to the loss of [ their ] banking relationships, [ our ] account will be temporarily deactivated effective immediately. '' We were further instructed that we should make all further payments to our mortgage lender directly ourselves. Just XXXX months prior, we had attempted to set up bi-monthly payments directly with our lender, and were informed that if we changed our payment plans, would essentially be terminating our contract with Nationwide, and we would lose our " set-up fee '' of {$340.00}. This was counterproductive to the goal we were attempting to accomplish, and no small amount of money for us to lose, so we felt we were forced to stay with Nationwide. Since XXXX XXXX, we have sought the assistance of the Kentucky Attorney General 's office, and did not get any relief. Now we have discovered that the CFPB recently sued Nationwide Bi-Weekly and won. In auditing our bank account for the amounts paid to Nationwide versus the amounts paid to our mortgage lender by Nationwide on our behalf, it appears that there was a difference of {$410.00} that Nationwide must have kept/profited, as that amount of money was not applied to our account with our mortgage lender, in addition to the {$340.00} " set-up fee '' that they are still holding, without just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft which I reported last year. This debt was on my credit report and I reported as fraud. It was removed from my credit reports. The collection agency has once again added it back on my credit report! I never opened an account and have explained it multiple times to them. Please remove this account from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: AFNI INC.
State: MA
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:
On XX/XX/2021 Afni Collections reported to XXXX that I had a XXXX  account in collections in the amount of {$2100.00}. This was a fraudulent account and has already been removed and blocked by XXXX. On XX/XX/2021, I contacted XXXX and informed them that this fraudulent account was already removed and should not be on my credit report. I also contacted Afni and they told me it was a civil matter and there was nothing they could do. I have contacted XXXX multiple times and pleaded with them to remove this info and they say it is active. They have not provided me with an answer as to why they would put this back on my credit report. XXXX is not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed a checking account at Chase in Early XX/XX/2018. I received a notice in the mail which said my account had been debited for XXXX . I have yet to receive the funds and have had numerous email discussions with them online. They recommended I go to my local branch in this case Florida. I spoke to the representative was very helpful but after a period of two days and frequent phone calls by him and myself they still can not find out what happened to the Funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently been informed that there is negative information reported by IC System in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have three amounts owed of {$260.00}, {$280.00}, and {$100.00} as charged-off. The account is showing a balance along with the past due amounts of {$260.00}, {$280.00}, and {$100.00}. This is incorrect reporting. Please delete these accounts. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with IC System and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to XXXX, TransUnion, and XXXX and they haven't removed them from my credit report. The following creditors inquired without my permission : -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 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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2021-11-28
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit report I have a collection account with XXXX in the total of {$1400.00}. I have never received verification of the amount that is owed.

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 2020-07-13
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: Information belongs to someone else

Complaint:
XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1800.00} Payment Info Original loan amount {$1800.00} Balance {$1800.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$610.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$610.00} {$610.00} Payment Info Original loan amount {$610.00} Balance {$610.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX  {$640.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$640.00} {$640.00} Payment Info Original loan amount {$640.00} Balance {$640.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX   {$17000.00} Closed 7 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$17000.00} {$21000.00} Payment Info Status Repossession Status date XX/XX/XXXX Past due amount {$17000.00} Original loan amount {$21000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more all ftc violations

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 2019-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am trying to buy a house and Equifax is still showing negative information on my report that does not show accurate information. According to the FCRA 609 rule any reporting agency that reports my credit has to be 100 % accurate. The account numbers are not even being displayed correctly on the accounts and I never gave authorization for any thing to be altered on my report. I've filed a police report and have attempted on numerous occasions to dispute and have these accounts removed via certified letters sent directly to the Equifax bureau. The companies below are not displaying 100 % accurate information, which is in direct violation of the law. Please remove all of these inaccurate accounts from my report immediately as this is hindering me from obtaining any future credit. 


XXXX XXXX  XXXX Open Date XX/XX/2013 Amount {$12000.00} XXXX  XXXX  Open Date XX/XX/2013 Amount {$3900.00}

Company response to consumer: Closed with explanation