BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX 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, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX****, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX XXXX XXXX, ONLINE INFORMATION SERVICES # XXXX****, XXXX XXXX XXXX XXXX # XXXX**** Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2021-02-20
Company: Monarch Recovery 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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-09
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I  request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX-17 My debt {$1100.00} from XXXX XXXX, XXXX XXXX went to Stoneleigh recovery associate debt collection agency and they contact to my ex husband yesterday. ( we divorced 13 years ago ) So today I call this collection agency, this guy was telling me how much information of me they have and which payment I 'm making, where I 'm working..
This is scared me and its frightening.
I wan to know even collect agency can do something like this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
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:
Hello I have reviewed my credit report and found that there was an unauthorized inquiry on my report from XXXX. I contacted XXXX and the advised there was nothing they could not about the issue. Inquiry Date listed is XX/XX/2019 I did not request services with XXXX XXXX and I would like to have this inquiry removed from 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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 2021-04-24
Company: Square Inc
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 placed an order via the drive thru at XXXX. I did not get what I ordered. I attempted to contact XXXX and got no response. I disputed the charge with the bank and they asked for the same information 4 times while not conducting any type of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Central Mortgage Funding, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Central Mortgage Funding for at least 2 months. Completed all the paperwork, paid the full amount for a home appraisal, did everything I was asked to do. There were two issues with my appraisal. 1. I have to replace the front window. The window has been ordered, and I have someone to install it. 2. I have to relocate my sand point well. This I can also do and have help to accomplish. 

XXXX XXXX of Central Mortgage Funding told me after receiving the appraisers report I should just sell the house and quit dealing with me. He has disappeared into thin air. His company also will not respond to my emails. 

This also is a legal matter as I have to refinance to get my ex wife off the loan and I have made this clear. 

I have had no response whatsoever in a week even when I have asked multiple times for information/explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX of this year, TSI sent some paper work to the company that i work for and told them that i owe XXXX money from XX/XX/XXXX. The company that i work for contacted me and gave me there number. i talk to someone at TSi and was able to stop the garnishment. This is the second time that they have done this within two years to me. Nothing have shown up on credit report in ten years since I've been out the XXXX. I don't know how to prove it been payed for since the debt is so old. This company have been calling me leaving messages on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This Dept Collection Company is falsely trying to collect a payment from me and the dates are way off and not correct. I have informed the credit XXXX of this issue and XXXX is still on my credit report. 2nd- Issue.. This is not my account I have never received any notice from anyone with this company so I am filing this. 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 2018-05-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX my husband was out of work and we fell behind on our mortgage. After a lot of work and time we were able to prevent our house from going into forclosure by getting a loan remodification with XXXX XXXX XXXX. This helped for a while but we were still not able to keep up so in XX/XX/XXXX we filed Chapter XXXX bankruptcy to basically keep our house. The Bankruptcy was basically only filed for the amount that we were behind, which was {$17000.00} and of course legal fees. So shortly after we filed, XXXX XXXX XXXX  sold our mortgage to Carrington Mortgage, and did not send us any statements for months and still, they do not send us any statements. The whole thing is a mess and we are told we can not get statements because we are in bankruptcy. Then 3 years later we get a letter from XXXX XXXX XXXX 's lawyers, which not even sure why they are bothering us when they don't hold the mortgage, but now they want to sell our house because we missed 6 payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$6600.00}. Except I have proof that all of those payments have been made. They are also claiming that XXXX XXXX XXXX  who at the time was Co- Debtor should be responsible for the {$17000.00}, except for he is deceased and has been since XX/XX/XXXX and was removed from the home and the loan back in XX/XX/XXXX, way before we filed bankruptcy So here is my concern, what gives them the right to do this to us. Cause this grief to people, cause me to spend money that I don't have because I have to get my lawyer involved!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have tried to use my account with BBT/Truist bank and bank will not release my funds, I have talked to many people.I am XXXX XXXX and XXXX.I need to be able to write checks from my social security deposits.Dates I have had noo access to my social security money from XX/XX/2021 to XX/XX/2021 .I bank with BBT/truist is XXXX XXXX Ga XXXX and in XXXX GaXXXX XXXX I need to pay my bills and write checks.I have opened another account at different bank buit social security wont start that ban until XX/XX/2021.

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 2020-11-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Citibank increased my interest to 29.49 % ( same penalty rate for missed payments ). I have not been late on a payment for many many years. I asked to explain why I'm being charged the penalty rate, and they could not provide an answer. I asked for a reasonable interest rate, and they said that their system does not allow them to lower the rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

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

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

Company 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 2018-07-11
Company: TD BANK US HOLDING COMPANY
State: IL
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:
I recognized that XXXX XXXX submitted unauthorized inquiries for finance 16 times on XX/XX/2018. 
TD Auto Finance was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX several times. he identified himself as the Manager. he refused to help.

It is very unfair that they did that. they lowered my credit score by 200 points.

Company response to consumer: Closed with explanation