BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: TX
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:
Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again

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 2022-11-30
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: Their investigation did not fix an error on your report

Complaint:
I keep getting letters and phone calls from insurance companies trying to sell me home owners insurance

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 2022-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again

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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi I was a victim of fraud by a company which I thought hired me on XX/XX/XXXX, I received payment from them made my deposit and I end losing my checking account and now i'am unable to bank with other institutions as well as this appears on my record as fraud which I did intend to do please help me bank again

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 2022-04-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is violating my consumer rights. Experian continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX as noted on report # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Experian buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. Experian 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) which states, " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Experian continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.

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 2022-09-22
Company: EQUIFAX, 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:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and Dept of ED have fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX at Monterey is harassing me with the same debt that was resolved back in XX/XX/2022. She is trying to collect for a debt deemed as fraud by the hospital where occurred. CFPB already closed this case back in XXXX as resolved, however according to this inept agent I need to pay for it again. See XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Account No. XXXX On XXXX, A company shown as Macy's/CBNA was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: MO
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 am disputing the following personal information that is showing for me which is incorrect. Please remove incorrect addresses because I do not reside there. Please remove incorrect name variations because those are not my legal names. 

XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-01
Company: BROKER SOLUTIONS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX we began our pre qualification portion of our FHA loan and we spoke with XXXX XXXX. All required docs were submitted a week later. A couple weeks go by and we heard nothing so we called XXXX and was told the underwriter need us to clear up dome student loan stuff and we did so a few days later we uploaded it to the portal. 2 more weeks go by and no word, email, or phone call. So we called and request a supervisor and noone returned the call. Another week goes by and we called and get into a big argument with XXXX XXXX XXXX XXXX 's manager ) he refused to send any docs so I explained there are laws regarding this and he terminated the call. I began calling twice per week since XX/XX/XXXX demanding answers but we are only getting pushback from corporate and everyone else. On XX/XX/XXXX I spoke XXXX XXXX who. ( On a recorded line ) stated he seen several mistakes and would address them immediately. We never heard anything from him or anyone else. Then today XXXX a XXXX operator sent us some very XXXX texts and phone calls. While I'm speaking to another operator the racially motivated rep is sending threats to our personal cell phones which is a REAL NO NO but she did it and we informed them and they sent us a cease and desist letter go figure. If a customer service rep retaliated against ANY CUSTOMER that's a huge RED FLAG..BEWARE OF THIS COMPANY..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX TRANSUNION ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : 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 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 2022-07-01
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: Credit inquiries on your report that you don't recognize

Complaint:
1.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX XXXX XXXX XXXX to XXXX different credit company which i did not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
1.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX XXXX XXXX XXXX to XXXX different credit company which i did not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Tried to pay my past due of like XXXX bucks since XX/XX/XXXX. I still can't get through the phone system or website on XX/XX/XXXX. I will be 30 days late on XXXX of XXXX and I can't talk to anyone or try and rectify the situation. 


No phones, no updates, no help for like a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am inexperienced with how credit works and came to the realization that its very detrimental to life as I am embarking on my journey through adulthood. As I was keeping track of my credit score recently, I noticed there was an account opened on XX/XX/2021 by a creditor named XXXX XXXX XXXX The account name is Credence Resource Manage. I am aware of my credit card account I have with XXXX, my car loan account and my student loans that are on my account. However, I have no knowledge of that account I stated and believe that it is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  please remove fraudulent/ unauthorized inquiry off my report or provide proof in writing within 30days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2022-12-02
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have spent well over a dozen hours on the phone with this company over the last 4 months trying to get to the bottom of my loan modification. They have collected payments and misapplied them. They have threatened me countless times with adverse actions even though they can not accept my payments for my loan. Then they ask for several months immediately in order to avoid more adverse actions. If I didn't know any better, I would think they are trying to force me into foreclosure! 

I am still after 4 months waiting for this to get clarified and to find out just how much money they want to extort from me now and what it will take to finally get current on the loan they took 4 months to process. 

Now they are showing me past due 60 days and 3 payments... they have 2 payments as " unapplied funds. '' They can not tell me what they have done with the payments I have made other than " just wait and give it a few days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This complaint is being sent to XXXX XXXX XXXX XXXX in response to a computer-generated, unsigned letter dated XX/XX/XXXX, letter received by Claimant from their offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.

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