BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-10-27
Company: Todd, Bremer & Lawson, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted by Todd Bremer and Lawson regarding an outstanding tuition bill with XXXX XXXX University that my daughter incurred. Advised them I would pay the school directly. They called me back a week later, I advised them I paid the school directly - they disagreed, I was asked to pay the debt again. I find this tactic to be inappropriate considering that the outstanding debt was over $ XXXX. 

When I called to express my concerns with this interaction the manager, XXXX XXXX ( XXXX ), was rude and she hung up on me trying to have my call escalated to a more senior-level manager in the firm. When I returned the call, the secretary advised me to leave a message for TC outlining my complaint. I asked if there was some other way to express a complaint with how I was treated, the secretary said that I could leave a message for another manager. I refused to allow this issue to be not be addressed so I am forwarding a complaint to the CFPB so this firm 's practices can be reviewed for unethical practices such as attempting to collect debts not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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:
I sent in 3 letters with documentation to have incorrect information removed from my report that the legal officer on base gave me. I also received a letter from the XXXX county bankruptcy department in regards to a bankruptcy that doesnt belong to me and since it wasnt verified by the courts. I know there is no way it was verified properly. I asked the courts to have it removed and they told me since they didnt report it they couldnt remove it. So I sent the paperwork in to XXXX  and it is still reporting on my credit report after it was once removed.

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 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a XXXX male and withing the last 6 months ( during the Pandemic ) Bank of America decided to close my 3 credit cards. They sent me a letter giving me generic reasons as to why my accounts were possibly closed. The last straw was the third one they closed. I called the bank and after getting transferred several times I ended up with a Supervisor who stated I was possibly a risk and the bank has every right to cancel my cards and there is nothing I can do about it. I need a credit card. I need financial support especially during these uncertain times however I cant seem to shake the feeling that because I am a minority with not much to offer they can just do to me whatever they want. I wonder to how many more minorities they've done this too. I am not happy with Bank of America 's practices, or how I was treated as a long term good standing customer.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. 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 Section 1681b ( c ) and a serious breach of my privacy rights.

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 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, Trans Union, XXXX counties to allow XXXX XXXX to keep a bill on my credit in The about of XXXX. Which was paid my insurance. My insurance company has also called XXXX XXXX a number of times about this debt and they still refuse to remov it. All three credit agencies says it has been verified. But no one can prove how it 's being verified. Yes they know my name Date of birth and social Security number, the bill is from two different hospital stays XX/XX/XXXX and XX/XX/XXXX. Both bills was paid my my XXXX XXXX. I also had Florida XXXX with the hospital failed to bill, because it does n't pay a lot. This is a violation of the FCRA. Please read attached information, where focus financial admits that they receive a call from XXXX about paying for the bill. I will also attach information proving I have to go to state XXXX. This bill is a result of insurance says hospital billing error and should have never touched my credit.

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 2017-08-08
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to keep reporting a account to the credit bureau that is not mine it has been removed 3 times and added back to reage the account so they can try to collect for something that was never mine. The account continues to come back verified which there is no way I received a bill from them that had a address that I 've never lived at I contacted XXXX the original owner of this account they told me the account was opened online an was over 7 years old they could n't give me a lot of information or even when the account was originally opened but they said it was n't in there systems I filed a identity theft and this should have stayed removed from my credit I also contact this agency they only gave a bill they never showed proof of signature or anything validating this clam and XXXX no longer owns the account an ca n't give me any information so seeing that the original creditor sold this debt to Diversified Consultants they forfeited their rights to collect any thing from me as well as no one can produce a signature or a address that I 've actually lived at. Also I never agreed or signed a contract with this agency XXXX removed this account from my credit years ago due to me filing this same complaint and sold it to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: SC
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:
MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY 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 XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.

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 2019-08-19
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX called and said they were looking for my mom because she was being sued XXXX called again with the same threat XXXX called again with the same threat XXXX called again this time with actual payday loan history and threatened again. My mom paid {$150.00} and made payment arrangement XXXX called again with same threat and said agreement was voided due to my mom breaking it? She hasnt spoken with them since the XX/XX/XXXX. 
XXXX called again and said this matter is not going to go away on its own. 
XXXX continued to call repeatedly. 
XXXX continued to call repeatedly and threaten that this will be used in court. 
XXXX called again and said this matter is not going to go away on its own, left voicemail threatening that this matter is not going to go away on its own and the ignored calls will be used in court and make me lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX   XXXX {$590.00} XXXX XXXX XXXX   XXXX {$1300.00}

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 explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All three of the credit reporting bureaus XXXX XXXX, XXXX, & Experian ) do not provide the proper information, web forms, or customer service center access for US military personnel and their families serving overseas to properly access their credit report, file a fraud alert, or place a security freeze on their credit file. At least two of the credit bureaus do not provide the APO/FPO/DPO state designators in their dropdown menus for entering a current or past address ( AA, AE, or AP ). When attempting to call the customer service centers, the automated menus do not allow the caller to request a representative and the automated service menu will close out the call if the caller answers the " security '' questions but the information can not be verified. XXXX, XXXX, and Experian currently demonstrate they do not care about their customers, particularly those who have chosen to volunteer to protect the United States, our freedoms, and the human rights of people all over the world. XXXX, XXXX, and Experian should be extremely ashamed of the way they treat all their customers and especially their lack of effort in serving the US military community all around the world.

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 2020-09-04
Company: National Credit Adjusters, LLC
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 status incorrect

Complaint:
National Credit Adjusters has placed a collection account from an original creditor XXXX XXXX. I have no knowledge of any accounts with XXXX XXXX. I have disputed this several times. After reviewing one of  my credit reports the speedy cash account was opened XX/XX/XXXX with a balance of XXXX. National Credit Adjusters has posted this account as a new collection that was opened in XX/XX/XXXX. It is illegal for National credit adjusters to place an account that they can not prove is mine and re-age the account to reflect as a new collection. National Credit adjusters are using illegal and unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2019 I was notified by XXXX XXXX that a company called XXXX ran a Hard Inquiry on my credit report with my social security number and a false name. The name was similar to mine with the same last name but not my correct name. I relieved someone had obtained my social security number and was attempting to open online credit card accounts and cell phone accounts. Within days more fraudulent Hard Inquiries starting coming up on my credit report. XX/XX/XXXX XXXX XXXX, XX/XX/2019 Gap card, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 Lowes card, ALL FRAUDULENT HARD INQUIRIES.  I notified the creditors in question and they understood that the inquiry was fraudulent. I also placed a security alert on my credit reports. I was informed by the creditors that they would send a letter to the three credit bureaus requesting the Hard Inquiry be removed within 90 days. It is now passed 90 days and these fraudulent Hard Inquiries are still 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 2020-07-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
please remove any Security freeze Fraud ALERTS OR FRAUD FREEZEOR PROMOTIONAL BLOCK FROM MY CREDIT REPORT. NEVER REQUESTED ANY OF THOSE TO BE ON MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: DE
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 several documentation to XXXX regarding my credit report the information is still on my report, ive provided mailing and documentation from the creditors and they still have not removed the information ive advised im a victim of fraud along with paperwork from ftc

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 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was in the process of closing on my house. On XXXX XXXX, 2017 a hard inquiry came on my credit report with trans union. I have n't applied for no credit, I do n't need a car and this inquiry came on me. I got a notification from XXXX XXXX and when I seen it was from XXXX XXXX I went up there and talked to the business manager named XXXX XXXX and told her I did n't apply for any car loans. She then faxed a removal to trans union to number XXXX XXXX. I then written to trans union and they sent me a letter telling me about inquiries! I know what a inquiry is and need it to be removed.

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 2023-03-02
Company: EQUIFAX, INC.
State: CA
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 sent a complaint last XX/XX/2023 to validate this reporting account : XXXX XXXXXXXX Balance Owed : {$0.00} I think you have not validated the aforementioned account that exists in my credit report. 
Consider this as a follow-up complaint prior to my previous endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan was with XXXX XXXX XXXX first, was transferred to Nationstar Mortgage now Mr Cooper ( see balance reduction letter XX/XX/2012 ) was transferred in process like so many other people! Faxed plenty of times always missing something even with proof of fax! Bank wont honor letter and always refute a complaint even when you have proof! Do the right thing i guess is not what banks do!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was amazed when I viewed my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.

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 2020-12-09
Company: Comerica
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
XX/XX/2020 To Whom It May Concern : My name is XXXX XXXX and I am the Social Security payee representative for my mother XXXX XXXX. After contacting Social Security that the XX/XX/2020 payment of {$750.00} was sent to my Direct Express card. I contacted both 1-800 customer service numbers for your company. I tried for two days to get a live person. I waited for hours only to be told that the account was suspended due to possible fraud or suspicious activity and that I would need to email my ID, and SS card to XXXX. The customer service agent seemed hurried and did not give me a chance to tell her that I lost my wallet with all my identification in it. I wanted to make sure that the documents I do have will suffice as evidence. I even attempted to create an online account but an error message keeps coming up stating, information you entered is incorrect. Making this such an inconvenience. 
Unfortunately, due to the Coronavirus COVID19 pandemic and having to keep my mother in a safe environment, I have had to relocate to different dwellings. Because of this delay in releasing my mothers funds we are now facing late fees for the rent, not being able to pay my mothers co-pay for her medication, and not being able to buy food or clothing. 
I am submitting documents from my Case Worker, for verification Mr. XXXX, Social Security Administration XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX ext XXXX and further documentation that I previously had obtained a Social Security card, but due to the pandemic am unable to obtain another one in person. The same for getting another ID/Drivers License, most offices are closed and employees are working remotely from home. Therefore, its limited in regards to time. This situation is of utmost URGENCY. 

I am respectfully requesting that you not only accept the documents I have attached, but please expedite this request so that we can take care of my mother. If I can be of further assistance, please do not hesitate to contact me at XXXX or ( XXXX ) XXXX or ( XXXX ) XXXX. 
Thank you, XXXX XXXX for XXXX XXXX Attachments AFTER BEING ON HOLD FOR DAYS AND HOURS ON IN, DIRECT EXPRESS HAS NOTB

Company response to consumer: Closed with explanation