BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2023-02-14
Company: Experian Information Solutions 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 was incarcerated in XXXX until XX/XX/XXXX. Someone opened accounts in my name fraudulently. I went through XXXX XXXX and Experian to dispute these and these companies told me to report it to you also. The accounts are as follows XXXX XXXX XXXX  opened XX/XX/XXXX in the amount of XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX  accounts dates opened are XX/XX/XXXX, amount XXXX XXXX XX/XX/XXXX unknown amount, XX/XX/XXXX unknown amount ( also XXXX XXXX for these dates ) XXXX XX/XX/XXXX {$550.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX XXXX  XX/XX/XXXX {$460.00}, lvnv XX/XX/XXXX amount {$660.00} ( these are collections from dates XXXX XXXX XXXX XXXX. Also two XXXX Massachusetts addresses Ive never known or lived at. I attached my XXXX background check shows my dates I was XXXX XXXX  and how much time I got. To show XXXX XXXX XXXX XXXX. Along with 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 2023-11-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting to follow up on my previous complaint dated XX/XX/2023, expressing my concern regarding certain accounts listed below. As reiterated in my initial complaint, I have no transaction history associated with the accounts mentioned, and I kindly request your assistance in promptly removing these accounts, along with any incorrect information, from my personal profile. The listed items are as follows : EXPERIAN : XXXX XXXX XXXX XXXX Account Balance {$0.00} FIRST XXXX XXXX  XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account Balance {$0.00}. I emphasize my adherence to the law and kindly request that you ensure the removal of these inaccurate accounts. I anticipate an updated result within the next 15 days for my credit report update. I trust that this matter will be addressed promptly to avoid any further inconvenience. To facilitate the process, I am providing additional verification documents, including my Bank Statements, Drivers License, and SS ID, all confirming my sole address. Additionally, I am re-attaching a copy of the identity theft report ( FTC report # : XXXX ) for your reference.

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 2023-08-15
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


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 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 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 non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In 2018, Bank of America ( aka Bofa ) took more than {$6200.00} from my checking account via their " Bill Pay '' service, but did not pay the bill... .for furniture. The furniture company had a man call and threaten to ruin my credit if I didn't pay. So, I went to the local branch on XXXX XXXX in XXXX XXXX, FL and the then president transferred the payment to XXXXXXXX XXXX  and paid for the furniture. He was unable to reach the Bill Pay dept of Bofa at that time. 
In 2018, I received a credit/debit card that may have had the money on it, but I didn't comprehend that and neither did the Bofa employee who told me to destroy the card. I did. After explaining this to Bofa, I was told a check would be sent. I received a statement showing a " fraud adj check '' was sent. There was no fraud, but the person at Bofa told me they didn't know another way to describe this. To make matters worse Bofa has totally fraudulent stuff on XXXX thus greatly damaging my credit score. It went from excellent to terrible. I have 0 Bofa accounts since early 2018. All credit cards were paid in full. I paid again to have the bad report removed from XXXX etc... The bank showed I owed them {$130.00} ... but told me I had to pay {$550.00} ... I did. The fraud report is still on XXXX etc and I still did not get my money back. I was turned down for a home equity loan by my bank XXXX because of the false reports on XXXX. To contemplate matters more Bofa has sent a fraudulent statement pretending I charged {$6200.00} and paid it back... thus stealing my money. At no time have I ever charged that amount on any card. This is fraud grand theft by Bank of America.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX ( Original creditor : 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 2023-03-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Due to having Navy federal account reopen or active I am still having the same problem of taking money in and out of my account telling me they put back in my account that never shows up .for instance just rented 2 rental cars from XXXX XXXX XXXX company I recieved a deposit back from XXXX XXXX VA and the other from XXXX XXXX XXXX neve recieved funds as they were releaseon XX/XX/XXXX XXXX XX/XX/XXXX and for XXXX of XXXX XXXX I had recieved on XXXX XXXX for XXXX XXXX for second rental in my a t XXXX need to put back my deposit in my account that not charge Navy federal how can they say that XXXX was charged by XXXX when they was supposed to put my refund back in my Navy federal I paid for rental out of pocket This promblem has being going on since XX/XX/XXXX I need resolution with Navy Federal action in and out of my accounts Navy federal statement XX/XX/XXXX we need to find out where the money went Never put in my account of this day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DEPTEDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2015-12-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The mortgage is a 50 year mortgage with a 30 year balloon. This mortgage is an Adjustable Rate Mortgage. I was told it was a 30-year loan and it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a critical issue concerning my credit report. Despite previous disputes and requests for the removal of fraudulent accounts, my credit report continues to display inaccurate and unauthorized information, which is severely impacting my creditworthiness. 
I have identified the following fraudulent accounts on my credit report, and I insist on their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These entries are not only unauthorized but also damaging to my credit score and financial reputation. I have previously submitted disputes regarding these fraudulent accounts, yet they persist on my credit report. It is evident that the bureaus have failed to thoroughly investigate and rectify the situation, and instead, additional fraudulent accounts continue to be reported.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have alerted TransUnion repeatedly ( starting months ago ) about this fraudulent account with XXXX XXXX XXXX  XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, Phone # ( XXXX ) XXXX. I have NEVER heard of this bank, lived in XXXX, nor opened an account with this bank. I have requested TransUnion and the XXXX XXXX XXXX  to submit me proof of their findings -- person ( s ) who provided confirmation of investigation with direct telephone number ( s ), original application with a wet signature, and other pertinent information provided. 
Today, I received a letter from TransUnion stating that they previously completed this investigation ( untrue ), while requesting documents ( letter from courthouse, billing statement, letter from IRS, and other items listed on their letter ) that I do not and would not have because this is NOT my account.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My mom had a home equity loan with wells fargo, she passed away in XX/XX/2021. Because this is tied to both of my parents mortgage ( also with wells fargo ), he is still in debt to pay off said loan. However, they will not give him any information, wells fargo has change the monthly payment, but will not allow for him to ask questions. He is not on the home equity loan, but he is on the mortgage.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting 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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: AL
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:
I have contacted XXXX several times first by requests ting validation, then disputing and lastly I requested an investigation. My complaints have been ignored and n if there was an investigation it was not conducted corrected. There are incorrect addresses, charged off accounts showing balances and late payments. I have brought this to their attention numerous times. I have included a copy of the last letter I sent a week ago as well

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