BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX  XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, XXXX, and Experian with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.

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 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is that Bank of America discriminated against my wife and I because of our age and retirement status in processing our application for a home equity line of credit- application # XXXX for {$150000.00}. 
We are both age XXXX. Our home is valued at {>= $1,000,000} by the XXXX Department XXXX XXXX, and eventually by Bank of America. Our home has NO mortgage. We have Social Security and pensions, with combined income of {$17000.00} per month. Our credit scores are XXXX or above. 
The following time line and events demonstrate how Bank of America manufactured reasons to delay our loan. 
XX/XX/XXXX - Faxed documentation to Bank of America loan application, copies of last XXXX years tax returns, 1099 's, etc. 
XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX XXXX ) told me outside date for completion was 12 weeks, i.e. end of XXXX. 
XX/XX/XXXX - Follow up request for more documentation. 
XX/XX/XXXX - Documentation submitted. 
XX/XX/XXXX - Copy of latest checking account statement requested and e-mailed. 
XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX XXXX ) stated underwriting team required verification that our pensions were lifetime duration! My pension is from New York XXXX, my wife 's from XXXX. 
XX/XX/XXXX - XX/XX/XXXX - Bank of American requests numerous documents re a one bedroom condo inherited by my wife in XXXX. Mortgage of {$56000.00}, XXXX Department XXXX XXXX valuation of {$93000.00}. 
Approx. XX/XX/XXXX - XXXX XXXX states underwriters returned application to him to ascertain what were the automatic deductions for {$75.00} and {$100.00} on our checking statement. 
XXXX XX/XX/XXXX - Bank of America requires a profit and loss statement for the current year of my wife 's XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX Books, operated out of our XXXX for which our tax returns reflected total sale of around {$5000.00} annually. We had to have our accountant create one. 
XX/XX/XXXX - Bank of America required another credit check because ones done at beginning of application process had expired. 
Our home insurance carrier, XXXX, notified us on XX/XX/XXXX that Bank of America had been added to our policy as a mortgagee. Our loan was NOT approved until XXXX, a time period almost twice as long as Bank of America initially advised us!

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 2023-11-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter. 

I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities. 

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$73.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX  XXXX Balance Owed : {$170.00} ; 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed an account on my credit file which is currently closed and doesnt belong to me. The account was opened fraudulently XXXX XXXX  account : # XXXX. I submitted a ftc report along with proof of my identification, and proof of address. The account wasnt blocked from my credit report for the duration of the dispute investigation which is in fact a complete violation! However, I received an update for the account which stated it was verified and it would remain on my credit file. I was not provided with any proof of verification, which means this account XXXX XXXX  account : # XXXX should not be on my credit report. IT SHOULD HAVE BEEN DELETED!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: Credit Karma, LLC
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I joined Credit Karma Savings Account. Online deposit of XXXX, then XXXX. Then my personal email was hacked in XXXX ; it was tied to my CK account. Had to close bank account and get new credit card numbers. CK has no phone number. Emailed their customer service, as I was worried about my acct info and wanted to close savings and update bank acct for savings acct draft. Was told then not possible to change acct numbers? I asked to close as the acct tied to savings was compromised and closed. Its been 6 weeks and multiple emails later ; they insist I sign in on compromised email. I cant ; no access. I just want my money and have requested it for 6 weeks. Have provided ID as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: ONLINE Information Services, Inc.
State: NC
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 called this company several times, no answer, I don't even know who there are how can this just end up on my credit report and I don't even know what it is all it states is Online Information Svcs, this is hurting my credit report drastically, I would like them to show proof or delete from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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 a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and Equfax Data Breaches. I was given an settlement claim number along free credit reports for XXXX years. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. 
In accordance with FRCA evrything must be accurate. 
My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). 
How can these been accurate if my SSN is not even on my report, along with XXXX different names, XXXX diffrent employers and XXXX diffrent dates of open, XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} I am requesting these accounts to be deleted for they are not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Innovis
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:
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: NJ
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 a repo for a car I never had they threatened to ruin my credit and it is not there business that the car was repo it was in my name. I need this account removed its not mines. I don't know who this is please I don't have no where to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a repo for a car I never had they threatened to ruin my credit and it is not there business that the car was repo it was in my name. I need this account removed its not mines. I don't know who this is please I don't have no where to turn

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 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent letters about this particular error on my credit report. In the Public Records section, it suggests I have a US Bankruptcy. I am asking for a method of verification for this. Please delete this error and provide me with the methods you use to report this information within 15 days. Thank you. 

Attached : Item in question

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 2023-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: First Advantage LNS Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
OLD ADDRESS AND DIFFERENT IMFORMATION ON MY REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I had a XXXX XXXX credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.

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 2023-11-14
Company: EQUIFAX, INC.
State: NY
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 was trying to get a mortgage loan when I was told my credit score was low due to delinquent accounts. When I saw my credit report I noticed unauthorized credit card accounts that were opened around XXXX XXXX XXXX. My information was breached with Equifax and another company last year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX an fraudulent charge of XXXX was taken out of my business bank account at First National Bank of Pennsylvania by an XXXX charge. I did not authorize this charge and the fraudulent charge was never questioned by my bank. This charge was way out of the ordinary for my account. The same thing happened to another business in XXXX and we have been working together to try to get our money back. We have contacted many agencies and recently were referred to XXXX XXXX 's office who in turn recommended that we file a complaint with your office. For the first 6 months we were told that we had 24 hours for our money to be returned but recently found out XXXX 's policy is 30 days. We were well within the 30 day period. We have exhausted many avenues and desperately need your help. If you have any further questions I will be happy to answer them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. This complaint should not be closed at any time for authorization needed. As this submitted complaint with attached documents will be my written authorization

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