BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: TN
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 Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent several letters to the credit bureaus to eliminate several errors from my history, to date, I have not received a minimal response from them

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 2022-06-21
Company: Flagstar Bank, N.A.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was acquired by flagstar in XXXX of 2018! My CDC disclosure states that my payment was for taxes, principal, mortgage insurance because of the fha loan, and my home owners insurance. My payment when purchasing the house was XXXX. I had a tree limb hit my roof causing a leak, so I called my insurance company and they told me I no longer had insurance with them due to non payment. So later on I gave them another insurance policy where they defaulted due to non payment from my escrow! They charged me the money that I was paying for, but when I got my next statement it put my payment to XXXX. So I paid that for 6 months after they told me it was fixed! And it wasnt they defaulted on my payments again. So I called and got another insurance company which was all state, and gave them the policy number. 6 months later they call me and say I defaulted again. Thats 3 companys in a year and a half. My mortgage then went to XXXX! They still have not fixed it and Im going into foreclosure process!

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 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am the Trustee of the XXXX XXXX XXXX for XXXX XXXX. XXXX XXXX the original XXXX passed away XX/XX/XXXX. At the time of her passing her loan was being serviced by Bank of America. You will notice that a complaint was filed by her relative to BOFA in the past. Since her passing I have been trying to get BOFA to recognize me as the successor trustee and after 18 mos I am still not able to accomplish this. The servicing of the loan was transferred to XXXX XXXX approximately 6 mos ago. XXXX is now threatening foreclosure. 
I have been in the process of refinancing the property for the past 60 days and the lender is trying to get a rescission notice for a Notice of Sale that was recorded in XXXX while the borrower was in the process of modifying her loan. When the modification was completed BOFA apparently did not file the Notice. I have attempted to get a copy of the Notice from BOFA and XXXX to no avail. Please see letters attached

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 Account # 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-21
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 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. 

XXXX XXXX XXXX  Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: TX
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 Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 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. 

XXXX XXXX XXXX Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 2022-06-21
Company: Credit Control, LLC
State: OH
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:
Credit Control , LLC fraudulently contracted with XXXX XXXX XXXX XXXX by purchasing a debt that has zero association with me, the consumer, XXXX XXXX. I have zero business whatsoever with Credit Control , LLC. Furthermore, the false reports are causing punitive damages to my credit report. XXXX XXXX is in violation of CFPB Consumer laws and is impersonating a creditor. Exhibit A is attached and is to referenced to reflect that violations incurred. I, the consumer XXXX XXXX, have been abused due to harassment and am seeking immediate results in the form of a removal altogether and compensation.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account # 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.

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 2022-08-19
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act, Health companies have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1666B states that 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 explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX / XXXX Account # XXXX Date opened - XX/XX/19

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 2022-06-21
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account without my written instructions.

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 2022-06-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX Account # XXXX Date opened - XX/XX/20

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 2023-07-21
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: Public record information inaccurate

Complaint:
CONTACTED EXPERIAN XXXX AND EXPERIAN ABOUT A BANKRUPTUCY ON ALL 3 REPORTS AND THEY TOLD IT WAS VERIFIED BY THE PA COURT SO I CONTACTED THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DONT REPORT TO CREDIT AGENCIES AND NEVER HAVE PLEASE HAVE THIS REMOVME FROM MY CREDIT REPORT IVE BEEN TRYING FOR 6 MONTHS NOW TO HAVE THIS INFORMATION REMOVED

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 2022-06-21
Company: Experian Information Solutions Inc.
State: LA
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 Account # XXXX, Dept of ED/ XXXX Acct XXXX XXXX Dept of XXXX XXXX- Acct # XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX Acct- # XXXX XXXX Acct- # XXXX XXXX XXXX Acct # 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 604A. States a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/2017

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 2022-06-21
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: Investigation took more than 30 days

Complaint:
I have sent several letters to the credit bureaus to eliminate several errors from my history, to date, I have not received a minimal response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Account # 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 non-monetary relief
Consumer complaint received 2023-02-22
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: Personal information incorrect

Complaint:
I've filed several complaints with all three bureaus due to multiple names, addresses, phone numbers and employers listed on my credit report.. I've also sent 3 forms of identification to support my claim. 
This is the second report i've filed with CFPB because for some reason the first complaint was lost or is not showing up. 
There were several letters sent at the begining of XX/XX/XXXX and after XX/XX/XXXX. These letters were also sent via certified mail, asking to verify all debts in collections and inquiries. I have yet to receive a response. 
All three bureaus refuse to remove the excess and inaccurate information on my credit report making it hard for me to verify myself if i have 20 addresses listed and 15 names that aren't mine.. some of the names were even misspelled. Below you will find all my supporting evidence including receipts of mail sent, the many names and address listed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX I mailed a check to a business entity 's Accounts Receivable lockbox. ( This check was mailed from the Post Office in XXXX, GA. ) The check was altered to an unknown individual and deposited via Mobile Remote Deposit on XXXX into an known account. It is very apparent from my First Citizens Bank 's online portal that the " Pay to the Order of '' and " Address '' have been altered. 
On XXXX I contacted my local bank 's branch and I was instructed to call their XXXX phone number. Upon calling the XXXX number I was given a dispute # and told that someone from the " Back Office '' would get back with me in 2 to 3 business days. As of XXXX I have called 2 other times ; I have not been able to speak to anyone in the " Back Office '' or the " Fraud Specialist '' handling my case. My issue has not been resolved in a timely manor, and my account has not been credited for the {$9400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21
Company: Goldcar Lending Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
spoke with XXXX at GoldCar Lending on XX/XX/XXXX. Advised to them that this is a debt that is over 6 years old and that I have been disputing that the debt is not mine and I have not received anything validating this debt since it was placed on my credit. XXXX said that they can not give me any information on the account until the account has been paid off also said that it doesnt matter how old the debt is they are going to keep trying to collect on it but yet I have not heard from anyone and on my credit report it says the date of the last action was XX/XX/2016. I have the right to have my debt validated and for them to show proof that this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: NC
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:
Equifax has been contacted mutiple times to correct fraudulent collections from the same company. The following are the issues : 1. 2 for XXXX {$210.00} and {$220.00} ( certified letter attached that was sent to XXXX WITH copies of the cancelled checks! ) 2. FTC Complaint attached : XXXX XXXX XXXX NEVER anything sent to me by this company. I have filed a complaint with the FTC and the CFPB against this " collection ''. Their are violating my rights under the FDCPA by not contacting me on this and reporting this to my credit report and I am requesitng action be immediately taken against them.. 
I am sending a certified letter and contacting an attorney on this immediately after the holidays.In the meantime, companies who do this and hurt consumers without giving them a chance to defend themselves, need to be fined, censured, or shut down.

3. I told Equifax I NEVER lived XXXX XXXX XXXX in NJ. NEVER. Yet they will not take this off my report. 
These actions are a serious violation of my FCRA rights.

Company response to consumer: Closed with explanation