BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: Partners Financial Services 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:
" Partners Financial Collections '' ( XXXX XXXX XXXX, XXXX, Mo.XXXX ) on XX/XX/16 unfairly placed on my XXXX  credit report a collection acct. and this company does not have license to operate in Georgia!! They bought this inaccurate, unvalidated, unverified and fraudulent collections acct. # XXXX from another company that also does not have license to operate in Georgia , " XXXX XXXX XXXX '' .. This company entity does not exist and I have never done business with this company!! This acct # XXXX is not my acct..If anyone takes 5 minutes and searches GA.Secretary of State business search website site page, you will find neither one of these companies have license to operate a business in GA!! There was a company called " XXXX XXXX '' but that company lost their license to operate on XX/XX/16 because of financial fraud crimes and '' ironically '' not paying their bills with the state of GA., but they still illegally operated without a license on XX/XX/16 and with wreckless disregard they sold an inaccurate, unverified, and fraudulent collections acct. # XXXX to " Partners Financial Collection '' who also didn't have GA. license to operate either!! Apparently they didn't investigate each other before they both broke the law 4 years ago and destroyed my credit and my life with a fraudulent {$10000.00} collection acct. # XXXX!!! and this fraudulent acct # XXXX is still on my XXXX  credit report!! I have disputed this inaccurate fraudulent acct. with XXXX  and showed them written proof but they have intentionally and maliciously refused to remove this painful, fraudulent, and inaccurate acct # XXXX off of my XXXX  credit report.. Please help me ... Thank you in advance for your thoughtful consideration..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: NY
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:
This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXX through early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

Thank you,

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 2020-11-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: FL
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, a consumer is a victim of identity theft, the credit reporting agencies, XXXX, Experian, and XXXX has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX, and Experian is in direct violation of the FCRA and the XXXX XXXX XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: National Credit Systems,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:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
These people threatened to garnish my XXXX check through and did. The man was very rude even when I said I had no idea what he spoke of, he laughed and thought that was very funny. Me, not so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: CORELOGIC INC
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.

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 2020-11-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage payments had been taken out of my bank account monthly by Huntington Bank since I got the loan. My last payment was supposed to be XX/XX/20. I got a statement ( as I had every month ) stating that {$1000.00} would be taken out. I got another statement on XX/XX/20 ( dated XX/XX/20 ) that my last payment was actually {$870.00} including interest and a recording fee. However, since it was due XXXX, interest would be charged per day. When I called them, they said to sign and fax the form that allows it to be taken out of escrow, which I did that day. I wrote on the bill that I should not have to pay additional interest since they wrote the letter the day before the due date, and I didn't get it until XXXX. I got another bill on XX/XX/20. Talked to XXXX who said the payment will go through with no late fee and he will request that it get backdated to XX/XX/20. Then I got another bill dated XX/XX/20 with a late fee of {$41.00} and additional interest added. Now the bill is {$910.00}. I called again and was transferred multiple times with everyone saying that they don't handle that in their department, my payments had never been automatically withdrawn, or they don't see any interest charges. One person, XXXX, stated that I will get a refund from the escrow. However, they still took out {$910.00} from my escrow which was not the correct amount. XXXX stated that " I didn't pay the {$910.00} so what was I complaining about? '' Seriously, this woman works in the banking industry? I paid the escrow! 

All documents I received are attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: FL
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/2020 an inquiry by XXXX  XXXX showed up on my credit report they said there is no application on my part for a credit card but they say they cant take it off to call equifax and they can fix it i did that and to no avail they had me call them back and XXXX  XXXX cant fix it because they said its equifax error so i went back and forth several times and was told by equifax that i need to file with ftc so here i am, i have had a XXXX  XXXX card for years and dont need another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I did an online application to open a checking account with BMO Harris, after I completed my application they requested a copy of my light or gas bill showing proof of address which can be with in 60 days. I sent my light bill over that I just received and has a XX/XX/XXXX date. They tell me they cant open my account because my bill is past due. Which for one it isnt. So I stated you requested my light bill for proof of address not how I pay my bill. I believe that is unfair service. I have another account and was never turned down because of how I pay my bill.

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 2019-08-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are not mines, I been a victim of the XXXX  breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX  {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXXthrough early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

Thank you,

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 2021-01-25
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice to collect a debt from UNIFIN for XXXX forb {$5500.00}. Current creditor XXXX XXXX XXXX, That amount seemed very high so when I called they said it was from 2008 so I asked why have I not received any bills or collection calls, they said they had been sending bills to:XXXX XXXX XXXX XXXX XXXX Florida XXXX. That is not my address! Then I went on the credit bureau I saw this address on XXXX  & XXXX. I lived in XXXX in XXXX but not at the address above. I lived XXXX of XXXX, from what I can remember I lived near XXXX XXXX XXXX, the address above seems to be closer to the XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Paypal Holdings, Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
PayPal took money out of my collateral account instead of out of my PayPal credit card. I started calling Monday XXXX XXXX they say there is a 2-3 hr wait to send message or email. I did both, they did not contact me to yesterday XX/XX/XXXX via. XXXX msg! They did not address the issue At all just a form message.. In the interim my card was hacked. I continued to try to contact them about the hack now, same problem no phone support, Again a message via XXXX was sent Not addressing with issue. They took XXXX out of the wrong account. 4 full days and I still have not solved the {$61.00}. I contacted the company I Purchased from and they sent the payment as a credit card to PayPal. Now I took off a backup bank and another bank credit card because there is no response! And was hacked. I received a message that stated even though I deleted my bank and another backup credit card they will still take future payments out of those accounts ( I gave no authority to use deleted accounts ). I can not even close out this account because there is no phone, text, email or other way to contact them. As a side bar : they keep saying because of Covid long waits however every other credit card, bank service, companies et al say that but they all have employees working from home I know because I get service with all of them. And my niece works with XXXX XXXX and they have customer reps working from home. This last statement is just FYI not within complaint. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: IT'S TIME - CREDIT REPAIR LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone accessed my account thru there computer. Credit repair notified me. 
However, never told me the source. It happened twice.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-25
Company: EQUIFAX, 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : 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 I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Reporting company used your report improperly

Complaint:
The Credit agencies does not have my written or verbal consent to obtain or sell my information regarding my bankruptcy file in XX/XX/2015 with the US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX. They are illegally giving out my personal information Per the Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.

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 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
Bank of America is reporting a fraudulent account opened on XX/XX/2019 to XXXX and verifying that disputed information is accurate, but has yet to provide me with the requested information that proves that I am the one who opened the account. In the information they provided, which consists of two bank statements, there are only returned mobile deposits and returned echecks. I have requested the signature card used to open this account and also the ID used. Neither pieces of information have been provided to me. The closure status status states " settled in full '', when I have never paid a dime to Bank of America, or conducted any business with them. They have it reported for Suspected Fraud Activity, which I do agree with, but I am not the one who conducted the fraud or the opening of the account. If they are not able to provide me with the requested proof that shows I am the person who opened this account then it needs to stop being reported. They were provided with my FTC Identity Theft complaint, as well as the Dispute and request for validation of proof. Seeing as that they are unable or unwilling to provide any proof that I opened this account, other than my personal information was used via a mobile application, then this information needs to be removed and stopped being reported 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