BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 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 2015-10-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: WA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYERS : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESSES : 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 COLLECTIONS : 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 XXXXXXXX XXXX XXXX Equifax EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: MI
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:
I applied a auto loan through XXXX XXXX dealership and the dealership told me they were going to run my credit through XXXX XXXX only. The dealership sent my information to other financial companies without my permission. 


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 2020-01-05
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I have tried to resolve this credit issue with Credit Management and XXXX XXXX. The companies have placed a negative remark on my credit file outlining a balance of {$340.00}. I have resolved this issue in the past XXXX CFBP XXXX. I received a notice stating that the agencies do not have this debt but the negative remark was placed on my credit. Credit Management has contacted me by via cell phone from various numbers that when you try and contact them back the number no longer works.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX 2016 and XXXX XXXX 2016 I sent a certified debt validation letter to Credit Collection Services. They did not respond to either letter and have now violated Federal Law under the Fair Debt Collection Practices Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Whilst on vacation in XXXX XXXX in XX/XX/2020, I had dinner at a restaurant ( XXXX ) and the food I ordered was inedible and was sent back, yet the restaurant refused to resolve the issue so I filed a dispute with capital one. Initially they upheld the dispute however in late XXXX/early XXXX the charge was reapplied and I then got a letter from them saying the change was being denied and that if I wanted to reopen it I needed to send them a letter explaining why, which I did, however the charge is still on my account and I have not heard anything from them with regards to my letter. Furthermore, the proof of validity they sent me was completely illegible and did not prove the charge was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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 have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under XXXX5 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bureau of Consumer Financial Protection, ( b ) Act means the Equal Credit Opportunity Act ( Title VII of the Consumer Credit Protection Act )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am an Identity theft victim stated on my credit reports. My credit was stolen from several breaches. I am in lawsuits with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX data breach. I have been disputing my credit reports for three years now. I am trying to rebuild my credit from the {$18000.00}. GOVERNMENT COVID-19 benefits stolen from me ( UC.PA.GOV told me my Pandemic benefits stolen and did nothing ). I used my savings of $ XXXXduring Pandemic to survive. I XXXX XXXX XXXXXXXX XXXX XXXX keep getting denied credit. My credit reports are inaccurate & I am still disputing them. I need my rights to have credit like all Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} -DEPT OF EDXXXX XXXX Balance : {$18000.00} -DEPT OF EDXXXX XXXX Balance : {$8300.00} -DEPT OF EDXXXX XXXX Balance : {$7700.00} -DEPT OF EDXXXX XXXX Balance : {$5400.00} -DEPT OF EDXXXX XXXX Balance : {$4200.00} -DEPT OF EDXXXX XXXX Balance : {$2000.00} -DEPT OF EDXXXX  XXXX Balance : {$1900.00} -DEPT OF EDXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} -XXXX XXXX XXXX XXXX Balance : {$15000.00}

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 2016-09-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is 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 2015-12-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are both XXXX reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported XXXX from the old account owner and the new account owner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On my Experian credit report XXXX in the inquiries section XXXX Bank has been requesting my credit report monthly. I called XXXX and they have no record or knowledge of this and suggested I dispute it with Experian so they could locate the source. Experian would n't allow me to dispute this and said they could do nothing about it. I was told to dispute any wrong information found. Are they not suppose to follow up on any questionable information on a report? This is the same company that merged me with someone else last year and it took months to resolve. Frankly, I no longer trust the any of the credit reporting companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: AmeriHome Mortgage Company, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i have been sending electronic checks to my mortgage company for a year. The checks were processed ( according to my bank ). The checks i sent weren't enough to cover my mortgage because my mortgage payment increased almost doubled because of the home insurance. i had no idea. so, they told me that they mailed the checks back to me. i havent received any of the checks the amount is around {$10000.00}. I am trying to get to verify that those checks sent back to me havent been cashed and apply that amount to my account. XX/XX/20 i called and they told me that on XX/XX/20, it would go back on my account and i could pay the difference to get my home out of foreclosure status. today i called and they said they i would have to pay the full amount first and then they would work on the uncashed checks. ive called them about 11 times and have gotten 11 different answers on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Good afternoon, On Saturday, XX/XX/2017, I called my bank to inquire about a direct deposit and to ask where did {$340.00} that appeared in account Saturday morning. It was n't showing as a deposit and I knew it was less than what I was expecting. The representative and I reviewed the account and she was unable to identify the origin of the funds. I jokingly said, " I know my bank is n't giving me free money. '' I asked her to check for my direct deposit which she did. At that time, she was unable to locate the funds. I told her please the note account that I 'll be paying my bill with the XXXX. If and when you figure it out, XXXX will reconcile with my direct deposit. 

The funds stayed in the account ; and on Tuesday, XX/XX/2017, the direct deposit show up. I made sure I left the amount I saw over the weekend just in case. On Wednesday the XXXX, my bank charged me an overdraft fee. I called to find out what was going on. The representative was curt and offered very little assistance. I requested a supervisor who immediately inferred I was telling a lie. He insisted he did n't see my call on Saturday and that mysterious funds were in my imagination. When I told him I am not paying for something that I clearly had the funds to cover and that I would file a complaint he escalated to a higher office. I was told I would receive a call within 24 hours, it ; 's been 72 hours with no explanation or call. I have called several times and the matter is still not resolved. 

Additionally, I had paid my electric bill and knew the funds would be a problem because of the overdraft, so, I cleared the overdraft as not have any more issues only to be hit with another overdraft. I clearly had the funds available at the time. You are my only hope. Please help me. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX -Account is not related to me,XXXX times submitted a dispute, but accounts is still there XXXX XXXX account was paid off in XXXX, but i have late payment on XX/XX/XXXX, which is not true, paid off letter was provided to Experian but problem is not resolved

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 2016-03-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Select Portfolio Processing has been requested to complete a subordination agreement by XXXX. The first request was made around XXXX XXXX. To date, XXXX XXXX, the request has not been completed, after almost 60 days. Additionally, there is no timeline for completion. I was told today that some requests take 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14
Company: BB&T CORPORATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We appreciate your help with this matter. The bank involved is BB & T branch located at XXXX Ky. XXXX. We have a business check card connected with the account. We went over the amount of funds in the account. The amount that was overdrawn was {$8.00}. 
There is no overdraft protection associated with the account. We feel that since the business check card is a visa, they should be able to not allow the card to be used and go over the amount of funds in the account. BB & T bank continues to add fees to the {$8.00}. 
As of XXXX/XXXX/16 the amount of fees added is {$220.00}.! We emailed BB & T bank to request closing the account and that we would send them the overdrawn amount of {$8.00}. They replied that we could not close the account until we went to the branch in person to do so. We sent another email explaining that we had moved out of state, and that it would not be possible to go to the bank in person. In the meantime BB & T bank continues to add their fees. We hope that you may be able to help us and that they will change their business check card policy.

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