BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After being contacted via phone by their office and made aware of this alleged debt, I contacted Power Company regarding this account. I paid {$460.00} directly to XXXX XXXX and received a tracking number ( MTCN ) # s XXXX and XXXX for my payment. 

I sent a letter on XX/XX/2018 notifying them the account has been paid in full to the original creditor and therefore they must stop all collection activity on this account. This includes, but is not limited to, phone calls, letters or negative reporting to the credit bureaus. 

They are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America is reporting an erroneous account on my credit reports. They are reporting the balance of {$940.00}. I sent a Validation of Debt letter to Bank of America on XX/XX/2019 and received no response. I have even challenged through the credit bureaus with no success. I demand this be removed from my credit reports. Account # ending in 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 2022-10-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-11
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The batter of my XXXX XXXX broke down, I called XXXX about this issue and they told me I can either go to a authorized XXXX dealer to replace it or go to any mechanic and I can file a claim to get a refund, it has been more then 2 weeks since I submitted the claim and theyre just ignoring me

Company response to consumer: Untimely response
Consumer complaint received 2020-01-19
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I California Business Bu has medical records in my name that I did not authorized this company to have. They are stating that I owed them {$1200.00}. Medical records are personal, and I don't know they got them. I did not authorized XXXX XXXX XXXX XXXX XXXX to give a collection. I have reach out to XXXX Credit Report many time, and I have not gotten any help. My credit is destroyed my this collection Department. 
I want this collection removed off my credit, and I want a investigation done to fine out how this company got medical records that I did not authorized. Can you help me with this situation. I don't think this is fair for a collection company to steal or buy medical records for their own personal gain. 

Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent Transunion a dispute on inaccurate items on my credit report on XX/XX/2021. I'm sure that it takes 7-10 days for them to obtain it and investigate the inaccuracies that are listed on this account ; however it has now been 56 days and I've have yet to hear from them. I don't feel like i'm being heard about the issues that are at the top of my concening issues. I '' ve already sent out a Notice of dispute letter to Transunion requesting that these account be removed ; since it has not been addressed. I'm not sure what to do at this point then to get a third-party involved in our transactions.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022. 

The bureau is attempting to force me to pay for my information ; they did not pay me for it, so I don't feel this is a justifiable trade per the Fair Credit Reporting Act. 

Your agency has been ineffective in forcing the Credit Reporting Agency to stand behind its obligations to me as a consumer to have this " Complete Report '' delivered so I can go about my business of correcting the errors they have in my file. 

I would appreciate your follow-through on this issue to have them do the right thing and deliver the report to me at no charge. It's my information, for God 's sake. 

Thank You 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 2021-09-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few Inquiries on my credit report I do not recognize

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 2022-10-24
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00} or XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted lawful factual disputes due to inaccuracies on my credit report, but Transunion and the data furnishers will not correct or delete the accounts as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
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: Personal information incorrect

Complaint:
I am referencing report # XXXX.from Experian I have over the last 5 months sent in a request for verification of information on my credit file. I have included a copy of my social security card number, Drivers license and Account statement from XXXX XXXX XXXX XXXX. 
I first asked for verification of my address ; they report 5 different addresses with 2 addresses in the state of XXXX which I have never resided. They also report 2 address where I currently live stating that I have lived in 2 different apartments when the correct one is unit XXXX. Both of these items are easily verifiable. I actually contacted the apartment management about the incorrect reporting and was told if they actually verified the information it would be reported correctly. They also claim that the address XXXX XXXX XXXX XXXX is tied to accounts I have with creditors that are being reported on my credit file which once again is incorrect since I actually verified their information to confirm they report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX which is my correct address. 
Experian is also reporting 3 variations of my name. Once again I provide copies of my social security card which states " XXXX XXXX XXXX also my drivers license states ' XXXX XXXX XXXX ' with my account with XXXX XXXX  XXXX XXXX stating the same name. 
I provided the documents they required after they stated they required such documents which I sent initially with each verification request that I have mailed to Experian. 
Lastly I asked for verification of a bankruptcy being reported on my credit file. I was told that the information was provided by XXXX XXXX which I contacted to be told that my credit file has been frozen since 2013 which is before the date the bankruptcy they are reporting was filed according to my credit file. 
Experian has investigated the XXXX account changing lates from 4 then after verification to 2 lates and once I requested they added 2 more lates to my credit file.

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 2020-10-05
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Keep going to court. No one is helping. Covid has me unemployed and I want to keep my home. I would like to apply for the covid forbearance to allow me the time to fix to this. I have XXXX children and Im XXXX. I don't want to be homeless.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: NV
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:
You are completely In violation and knowingly and willingly reporting fraudulent inquires your agency did not did not do any investigation on the fraudulent inquires you are reporting. I have contact all companies supplied them with my police report and my FTC affidavit as i was told to do by the police station and also by CFPB and they have no such application under my name .1. I have contacted the creditors directly ( multiple times ) and was information they have requested to have this fraudulent inquires removedI am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately : It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. the fraudulent inquires need to be deleted immediately or I will seek legal representation without further notice and will use these responses and dispute as proof of your neglect and violation of the FCRA and Identity theft laws. The following inquires that are fraudulent as follows XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2022-12-24
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I, XXXX XXXX XXXX, have never had an account with Fifth Third Bank. I have tried multiple times to have the item removed, and the bank refuses to do so. I have also submitted multiple FTC.GOV ID THEFT reports. Nothing has helped. 

I would like the item removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion denied me from getting my credit report after answering the verification questions correctly. I answered similar questions for the other credit reporting agencies and was able to to view 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 2022-08-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: DC
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 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 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 explanation
Consumer complaint received 2022-08-03
Company: STATE EMPLOYEES CREDIT UNION
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: Investigation took more than 30 days

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Barclays Bank of Delaware process an application online for credit from a fraudulent unauthorize source that was computer based. I have repeatedly ask to have their credit inquiry removed from my XXXX account. They refuse. This fraudulent inquiry harms my reputation and my credit reputation. I have worked with all three credit agencies to remove recent fraudulent acts to open credit or checkingXXXX XXXX XXXX, XXXX XXXX and XXXX have all in the past two years has attempts by third parties. For the most part they have all been removed, but I now have to live with all accounts frozen and pay to open and close them. The recent Barclays attempt got through because in my grief for my wife, I forgot to freeze XXXX again after I got a loan at my local security credit in XXXX. XXXX refuses to close and remove all information from their system concern their fraudulent access to my records. Freeze and thaw should be free.

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 2022-12-24
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I WAS ON A PAYMENT PLAN WITH FREEDOM MORTGAGE, I NOTIFIED THEM IN XXXX VIA PHONE CONVERSATION THAT MY HOME WAS PENDING SALE, ON XX/XX/2022 I ASKED THEM FOR THE PAYOFF BALANCE, AND IT WAS GIVEN TO MYSELF AS WELL AS MY REALTOR. I OWED XXXX MY HOME SOLD FOR XXXX I RECEIVED A CHECK FOR XXXX. THEY STATED MY HOME WAS IN FORECLOSURE AND I NEEDED TO PAY ATTORNEY FEES, A HOME CAMT BE SOLD IF IN FORECLOSE, I WAS NEVER SERVED BY AN ATTORNEY, I NEVER WAS SENT ANY CERTIFIED MAIL OF A POSSIBLE FORECLOSURE, I AMM ASKING THAT ALL ATTORNEY FEES BE RETURNED TO ME PROMPTLY, AS FAST AS THEY TOOK THE FUNDS RETURN MY MONEY SHOW PROOF OR JUST CAUSE WHY I WAS HARGED ATTORNEY FEES, ND NEVER SERVED WITH FORECLOSURE NOTICE, NO ADD IN PAPER, NO COURT DATE, NO ATTORNEY OFFICE ON RECORD, NO CERTIFIED LETTER,

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 2022-12-24
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The property location was XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. 
The oustanding loan balance was approximately {>= $1,000,000}. 
My investment in the property was approximately {>= $1,000,000}. 
I attempted a loan modification for approximately two years. 
The loan mod people at WF were grossly incompetent. 
Meanwhile, WF double tracked me, which is illegal. 
WF foreclosed in summer of 2013. 
I lost approximately {>= $1,000,000}.

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 2022-09-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation