BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX, XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Above  companies as a result of data breach in 2017 were fraudulent and should be removed from all credit agencies. Thank you for your help. 

XXXX XXXX XXXX and XXXX has 10 late payments that should be removed. Payments were as a result of identity theft issues and fraudulent accounts. The late payments are causing discrimination and we are unable to refinance or get loans, credit cards, credit because of the identity theft and financial ramifications. Our lives have been ruined and we need help with clearing our name and restoring our 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 2021-11-04
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 am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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 am not liable for this debt with none of these creditor and do not have a contract with collection agencies. They did not provide me with the original application like i asked and they keep sending me automated responses

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Southwest Recovery Services, Inc.
State: TX
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 mailed in an item to XXXX  and they recorded the delivery by entering the information into their system with my name misspelled. They did not investigate the matter or abide by the FCRA regulations and provide a response within 30 days. I have called them about this and they claim that they investigated the matter but they never mailed me anything to prove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )?

I will list below the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed LATE PAYMENT : XXXX - Update to 100 % paid on time COLLECTION/CHARGEOFF : XXXX  - Remove from consumer report INQUIRIES : Credit Plus - Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: Mercedes Benz Financial Services
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:
Someone stole my identity and it may have been an attempt to purchase a car through a dealer named as XXXX XXXX XXXX XXXX per the credit inquiry record. It appears that this dealer submitted a credit application as well as MB FIN SVCS for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry but the information was unavailable due to the absence of the person in charge. Their finance team may have more details.

I received the identity theft victim 's Complaint and Affidavit package from MB FIN SVCS, and this is for a record purpose for MB FIN SVCS. 

I filed the identity theft case with FTC ( IdentityTheft.gov ) for identity theft event on XXXX XXXX, XXXX. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

SOMEONE OPEN FRAUDULENT ACCOUNTS IN MY NAME AND THE CREDIT REPORTING AGENCIES ARE IGNORING MY DISPUTES THE ACCOUNTS BELOW ARE

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
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:
On approximately XX/XX/XXXX, I awoke to a credit file alert with Equifax that my score had plummeted. I immediately checked my Equifax Monitoring Service and discovered a twice-disputed item had been reinserted as a collection on my files. Again, this collection agency, XXXX XXXX XXXX XXXX, had been deleted twice. First in the Equifax results page dated XX/XX/XXXX. Attachment of results included. And then again on XX/XX/XXXX. Attachment included. 

I did not make immediate contact with Equifax but waited until I was notified of this reinsertion with hopes that it was a mistake. It was not, at least on their part, as when I finally submitted a complaint regarding the Collection record, I was sent a result in absolute contradiction to the prior 2 resulting outcomes ; the item was to remain and additionally, updated. Sadly, I never received any correspondence ( s ) from Equifax to inform me of this negative and score-detrimental decision to report this item as absolute fact.

In the complaint, all documents I am providing you were sent via USPS tracking  with delivery signature confirmation. 

As Equifax has not informed me in any form within the 5-day requirement outlined by the FCRA, I believe the only absolute remedy to this situation is an immediate and permanent removal of the medical collection item from XXXX XXXX XXXX XXXX. My consumer rights, and Equifax 's disregard for my rights by not notifying me through proper means and without as much a certificate of accuracy demands this item be deleted permanently. Otherwise, my only other recourse would be through legal means. I may be one individual without any clout or power, but this kind of action on the part of Equifax is not only careless, but disregard for the procedures that govern this very agency 's actions. 

The previous dispute results accompany this complaint and I hope to get this resolved as quickly and efficiently as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
State: MA
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:
Federal Bureau of Investigation ( FBI ) vs. XXXX, Equifax, XXXX On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of XXXXEquifax and XXXX. I have also submit an investigation by XXXXXXXX XXXX to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to XXXX, Equifax and XXXX to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through  XXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. 

Remove negative information from my credit profile now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Credit Control, LLC
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: Information belongs to someone else

Complaint:
Went on my financial institution credit report in found a fraud account opened and reported outstanding balance of {$2200.00}. Called the company listed CREDIT CONTROL LLC and was told they can not look me up with out giving them my XXXX and SSN # Research online shows that it is scam. I be this is either a scam or fraud.

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 2023-07-29
Company: Kashia Services
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been trying to get in contact with Pave Credit regarding my existing installment loan. However, no one is returning my phone calls. Also I am very disturbed by the interest that has compounded on this loan I only borrow {$600.00} but now I owe {$1600.00}. XXXX, My concern is that this loan that I really needed at that time could possibly be imposing illegal fees and interest and maybe fraud being that I now owe them XXXX dollars but I only borrowed 400-600 from this company. 
Ive been making steady payments up until about three weeks ago. Where is my checking account was compromised so as to notify them that I need to set up another pay method, they failed to return all phone calls/emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone brought a car in my name. I didn't not sign or authorize anyone to do so.

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 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I put cash to my bank account thru atm XX/XX/2023 around XXXX XXXX  which I never received. I was trying to call the number at atm, but consumer service was working only till XXXX. following day I was able talk to the agent and get credits on my account. 
I went to atm XX/XX/2023 at XXXXXXXX XXXX and same thing happened to me at same location, I put cash, which I never received, so I went inside the bank, they said they dont see the amount of money I put, they are able to see that I was attempting to put money and check my balance twice, that they are not able to do anything, they gave me phone number which I have to call and they will be able to help me, at some point I spend over more then 2 hours on phone which I couldnt resolve my problem. And they were sending be back and forth between departments.

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 2018-07-23
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After reviewing my account history, I have found that I made on-time automatically scheduled payments during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It appears that the preset payment amounts I submitted through my online bill pay were not sufficient to cover the bill at the time ; however, I never received - to the best of my recollection - any correspondence written or via telephone or email indicating that I was overdue on the bill and owed an additional amount.

In the most recent incident I paid {$6.00} less than the total bill ( sending {$120.00} for my payment on a bill of - apparently - {$120.00} ) yet was charged nearly {$40.00} as a fee.

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 2023-05-10
Company: EQUIFAX, INC.
State: LA
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:
See attached Doc Despite my previous written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. Why is this errouneous reporting showing a balance owed if the account was charged off? INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 



I am writing to request the immediate deletion of this information provided to you by XXXX XXXX that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court proceedings such as Dixon-Rollins v. Experian Information Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have bill service at BBT and month after they pay bills on and earlier than what schedule it be paid resort shortage of funds and a charge for over draft when you call them on it they send a email stating over draft would be refunded un [ less you send a follow up email you don 't get the refund, I requested a list of the over draft charges and proof of the credit to date I have not receive nothing this conduct has caused my gas to be cut of two When I ask the bill wasn't paid to date no reply when they pay early the funds ion my checking is used and when my monthly deposit is made they pay the scheduled billed and never put back the fund they paid out early and misused my funds, they just pay the bills as scheduled from new funds the missed used funds is never refunded nor the over draft charge

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 2017-12-16
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted FAY SERVICING on XXXX XXXX regarding escrow analysis ' and two payment increases. 

Two escrow analysis were done in one year resulting in payment increases. Two Representatives including a supervisor could not tell me why. Supervisor stated he would send this over to escrow department for review and within 72 hours someone would get back to me. I 'm still waiting. In addition my single point of contact representative has not returned numerous messages left for her. 

Verification of account holder is very poor. 

Lack of XXXX when calling a cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: AL
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 # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 an 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 purpose.

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Federal Bureau of Investigation ( FBI ) vs. TransUnion, XXXX, XXXX On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of TransUnion-XXXX and XXXX. I have also submit an investigation by XXXX XXXX to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to TransUnion, XXXX and XXXX to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through XXXXXXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. 

Remove negative information from my credit profile 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 2018-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
To Whom It May Concern : I am writing this letter to dispute an error in the reporting of my credit score. It has come to my attention that on two ( 2 ) credit card accounts I am designated as joint account, this is an error for the following reasons : I am only an authorized user ; not a co-signer. 
The accounts in reference were opened 2 years prior to my addition to the accounts and at no point in time did I open a new joint account. 
I have never used the accounts assigned to me, nor incurred any debt to the accounts aforementioned. 
I never signed any paperwork nor presented myself physically in front of any crediting party to sign and be part of joint account. 
I was added via telephone by the sole debtor and I consider these actions to be fraud and misuse of my name for malicious purposes. 
With the aforementioned reasons I request that a correction be issued on my credit reporting to reflect me as an authorized user. Anything deviating from this fact is incorrect and should be considered fraud and a misrepresentation of my credit abilities. I have filed a police report for fraud in regards to this matter and can provide additional supporting evidence upon request. 
I sincerely appreciate an immediate investigation into this matter and a response in regards of those findings. This is a serious matter that requires your attention at the earliest convenience

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