BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradeline listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me.

STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a Toolbox online combo ( upper, middle and bottom ) Toolbox. The Toolbox was not heavy enough for my needs. ( I am a XXXX ) I ordered another combo Heavier than the first one. I returned the first one to the store where I picked it up. ( saving shipping fee ) The credit was first put back on my card but was taken off again saying that I did not proof it was returned.The store said that they wanted proof it was paid for after repeated times to resolve this I keep getting the run around. This was a SEARS MASTER CARD.

I ended up getting a loan to pay this card and another card off.

( sick of dealing with the XXXX XXXX  ) The amount that should be returned is {$320.00}. Before this SEARS tried to take {$500.00} off my card but ended up putting it back on.The SEARS store where I picked up the Toolbox combo is not help ( just making it worse ). I have reached the end of patience with dealing with SEARS. I would like to get the amount of {$320.00} back. I closed the account so no more funds be stolen from me but that info is still on my computer.

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 monetary relief
Consumer complaint received 2019-04-19
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2019 - I noticed a supposed medical debt on my credit report. I called to ask for validation of the debt and inquired about a payment to delete. They lied about the FCRA and used abusive and obscene language. 

XXXX XXXX Collector XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Collection Department Superviso

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: IL
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 told Equifax that they have an incorrect address on my credit report more than once and they do not remove it. I had open cases that never get taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Today on XXXX XXXX the company called security finance in XXXX XXXX tx. Has called my sister and will not stop calling her I already explained to them that I was enrolled in a program with XXXX XXXX XXXX  and they will take care of the money due. But XXXX from security finance will not stop calling and harassing my family and I including my employer.

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 2020-10-10
Company: Experian Information Solutions Inc.
State: PA
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:
For approximately 2 years I have attempted get XXXX  XXXX and experian to correct their records however this has yet to happen.

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 2019-04-19
Company: Professional Debt Mediation, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I paid professional debt mediation a settlement for what I owed to XXXX XXXX XXXX IN XXXX WASHINGTON. It was settled as of XX/XX/2019. I recently have been trying to apply for a home but been getting denied because in the civil judgment portion of what is being pulled it still shows I have a balance which I dont. The court ( XXXX superior court ) says they need proof from the credit collection company certified proof thats its paid but the debt collection agency said they can not send that to the court to have this removed off of my file. I have never had this issue before. I am trying to fix my credit so that me and my son can move into a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX reports inaccurate information to my credit reports on XXXX, Equifax, and XXXX. XXXX XXXX XXXX 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, XXXX XXXX XXXX XXXX not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. XXXX XXXX XXXX did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from XXXX XXXX XXXX with XXXX, Equifax, and XXXX XXXX XXXX and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, Equifax, and XXXX should have deleted the account from XXXX XXXX XXXX due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. XXXX XXXX  XXXX has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX XXXX XXXX XXXX website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for XXXX XXXX  XXXX XXXX my XXXX & Equifax credit report. XXXX XXXX XXXX provides three different contact addresses to XXXX, XXXX, & Equifax. The ledger balances from my XXXX, XXXX, & Equifax are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the XXXX XXXX XXXX account with XXXX, XXXX, and Equifax it will show that the three bureaus, along with XXXX XXXX XXXX just updated with more inaccurate information- Instead of removing the account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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 belongs to someone else

Complaint:
XXXX XXXX XXXX ( collection department agency/attorney ... original creditor is XXXX XXXX XXXX for the amount of {$2800.00}. opened on XX/XX/2020.. Balance updated on XX/XX/2020.  The Bill is for a XXXX XXXX XXXX for XXXX. I am a female and my name is XXXX XXXX. I was formally married to XXXX XXXX   and resided at XXXX XXXX XXXX in XXXX Ga XXXX. XXXX XXXX has a brother named XXXX XXXX XXXX. its seems this bill belongs to him. I have reported this to law enforcement and the amount needs to be removed from my credit report, because I am not the responsible party for the payment. It is incorrectly reported and appears on my experian credit report. I have filed a dispute to this effect. Police case # 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 2021-05-06
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX reports inaccurate information to my credit reports on XXXX, XXXX, and Experian. XXXX XXXX XXXX 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, XXXX XXXX XXXX XXXX not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. XXXX XXXX XXXX did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from XXXX XXXX  XXXX with XXXX, XXXX, and Experian- XXXX XXXX and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, XXXX, and Experian should have deleted the account from XXXX XXXX XXXX due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. XXXX XXXX  XXXX has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX XXXX XXXX XXXX website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With Experian it reports a higher balance due- The address & phone number does not match the contact information for XXXX XXXX  XXXX XXXX my XXXX & XXXX  credit report. XXXX XXXX XXXX provides three different contact addresses to Experian, XXXX, & XXXX. The ledger balances from my Experian, XXXX, & XXXX  are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the XXXX XXXX  XXXX account with XXXX, Experian, and XXXX it will show that the three bureaus, along with XXXX XXXX XXXX just updated with more inaccurate information- Instead of removing the account from my reports.

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting me late XX/XX/2018 and they are in violation. They recently took over servicing of my loan from XXXX XXXX XXXX in XX/XX/2018. 
For one- there is a protection period once a loan is transferred for servicing : ( 1 ) Payments not considered late. During the 60-day period of the servicing of any mortgage loan,. a payment may not be treated as late for any purpose. 

For 2 : I had set up auto draft with XXXX already in XX/XX/XXXX and the XX/XX/XXXX payment was to be drafted. This was their error not mine. I am NEVER late  on anything and have always had auto draft for my mortgage payments with XXXX XXXX and when you guys took it over it was a big mess.

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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am with XXXX XXXX ( R-ID ), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs in demanding answers from BofA and XXXX about their recent anti-gun activity. I quote his XX/XX/XXXX comment : It is deeply concerning to me, he wrote, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor. 

XXXX also raised the issue of the banks collection of personally identifiable information ( PII ) and how it might be used to monitor and deny financial services to individuals and companies who are engaging in completely legal and, in this case, Constitutionally-protected activity. He additionally sought further information about the banks restrictive firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. '' I am very concerned if banks seek to replace legislators and policymakers and attempt to manage social policy by limiting access to credit. I have been a BofA customer for years and will look into changing my banking.

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 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are incorrectly reporting a collection on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been served regarding this account and the account is also currently being reported on XXXX XXXX and consequently should NOT be reporting on my credit report. I was also told this collection account would not appear on my credit report. I was not aware this account was showing as a collection until I obtained a current copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2018-09-14
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX  is reporting me late XX/XX/2018 and they are in violation. They recently took over servicing of my loan from XXXX XXXX XXXX in XX/XX/2018. 
For one- there is a protection period once a loan is transferred for servicing : ( 1 ) Payments not considered late. During the 60-day period of the servicing of any mortgage loan,. a payment may not be treated as late for any purpose. 

For 2 : I had set up auto draft with XXXX already in XX/XX/XXXX and the XX/XX/XXXX payment was to be drafted. This was their error not mine. I am NEVER late on anything and have always had auto draft for my mortgage payments with XXXX XXXX and when you guys took it over it was a big mess.

Company response to consumer: Closed with explanation