BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items will not get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.

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 2022-08-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Equifax numerous times about removing the fraudulent accounts and inquiries on my credit report. At this point they are acting willfully and negligently and violating my right to privacy as well. I did not give my written consent to furnish the accounts nor inquiries mentioned below pursuant to 15 USC 1681b. 


ACCOUNTS : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( Date Opened : XX/XX/XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Date Opened:XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XXXX they asked about a charge XXXX XXXX XXXX XXXX charge {$1500.00} on XXXX and wanted I sent them a picture of my driver 's license and SS # and wanted me to go to the bank an withdraw {$10000.00} cash they said they were the Bank of America 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 2023-03-14
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX XXXX  shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and XXXX XXXX XXXX, they have failed to investigate and have failed to provide me with any documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Precise Home Loans, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company offers you an incentive of giving you the appraisal fees returned after 3 weeks for a value of {$700.00}, and then they don't want to pay, they are rude never pick up the phone and pretend to have multiple people picking up the phone when is always the same guy. 

They made me spent months calling them every week more than 3 times a week and always telling me a different story such as " I am on a meeting '', he is not here today, " XXXX XXXX  has to pay '' of course I had to pay interests on tht aamount on my card. 

I understand that if it was my responsibility I would pay, but they offered something and lying is not tolerable. 

They tell you they are in a meeting or even blame the other companies associated with them. They couldn't not go more unprofessional and shadier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX says I owe them {$760.00} for some cell phones. I returned the cellphones to XXXX, by mail. I have the tracking receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2023 at approximately XXXX I spoke with a representative from experian and advised him that I had inaccurate information reporting on my credit report. There was a XXXX  card that showed closed and reporting late payments. I opened up a dispute and it was completed on XX/XX/2023 showing as updated instead of removed. 

In accordance with the fair credit reporting act Experian, XXXX, XXXX, XXXX and XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose. 

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Grain Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed on my credit report that I show a charge-off account with this company when I wasn't notified. I didn't receive anything. I wasn't able of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am writing concerning inaccurate negative reporting on my credit reports from XXXX XXXX. As of, XX/XX/XXXX, my Transunion and XXXX reports reflected that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the XXXX  APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with XXXX XXXX. I have email confirmations of my payment schedule and payoff dates from XXXX XXXX  to confirm. I have attempted to dispute this inaccurate infomation with XXXX and Transunion, and I have contacted XXXX XXXX via email to resolve this issue. XXXX XXXX refuses to remove the inaccurate reporting from my credit reports. As of XX/XX/XXXX, XXXX has updated my credit report to reflect the correct infomation, ( account paid satisfactory ), as a result of my dispute. I was never late on this loan, and my XXXX report now reflects this. Transunion needs to hold XXXX accountable for not honoring their agreement to reschedule my payments just as XXXX held them accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 2023-04-11
Company: The CBE Group, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The CBE Group mailed a debt collection notice for {$1000.00} from a mobile phone account that I never had. I called and they told me to reach out to XXXX. They confirmed that they had no debt on file and that they dont work with CBE Group XXXX I relayed this information to CBE and they told me I have to submit paperwork to prove the debt isnt mine. I cant submit anything because the account was never mine. And they wont send me the original bills from XXXX to verify this is a legitimate claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MI
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 have a XXXX  day late payment reporting on all of my XXXX accounts for XXXX of XXXX although I was current for XX/XX/XXXX. I contacted XXXX and the issue wasn't resolved. I filed a dispute with Equifax via certified letter with return of receipt asking for verification of the late payment. XXXX XXXX stamped the receipt XX/XX/XXXX. I was mailed the dispute results that were completed XX/XX/XXXX reporting accurate and updated with no verification of the late payments. I contacted equifax and asked for the verification and they stated XXXX didn't send it and that they will not bring the late payment to current although they do not have verification of the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Capital One Card Services still shows that I owe them {$5000.00}. 
This reached the statute of limitations as this account was opened XXXX, XXXX. Capital one does not want to remove this from my credit report. This should have been removed in XXXX. Capital one is fraud and their practice is unacceptable. I hired XXXXXXXX XXXX to dispute this from Capital One however its still showing on XXXX, XXXX, and XXXX. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-12
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
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:
In accordance to the fair credit reporting act this creditor has violated my rights; under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666 b a creditor may not threat a payment on a credit card account under an open and 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 2023-04-11
Company: Exeter Finance Corp.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Exeter finance continues to contact me regarding someone else 's debt even after being repeatedly told that I am not the person. 

The person they are looking for is XXXX XXXX. XXXX is a former resident of a home I purchased. There is no association between me and XXXX. I do not have contact with this person. Exeter should not be contacting me simply because my name is associated with that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
15 U.S.C 1681G law violations. U.S.C 1681.I tried to purchase a home and its reporting things that shouldnt be on there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed a claim with the Bank of America related to unauthorized claims that were made against my government benefits card back in XXXX to XXXX. The following transactions are connected to the transactions that I filed : Dispute number : XXXX amount {$1800.00} Dispute number : XXXX amount {$1000.00} Dispute number XXXX amount {$1800.00} The transactions have been investigated since XXXX. I filed these claims and I was misinformed that they were closed. As of the date and time of this complaint, I am on the phone with a representative from the bank and he says that the claims are still being investigated with no resolution. I am requesting the agency look into this.

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 monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

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 non-monetary relief
Consumer complaint received 2023-03-14
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have reviewed my credit report and have identified several accounts that are inaccurate and do not belong to me. I request that you immediately remove these accounts from my credit report. 

XXXX XXXX, Account XXXX : XXXX It is not possible for this account to have a payment history as it is a charge off. I request that you delete this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX I have no memory of ever being associated with this company. I request that you remove this account from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX I have never had any business relationship with this company. Therefore, this account does not belong to me and I request that you delete it from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

I understand the importance of having accurate credit information and I urge you to take immediate action to remove these inaccurate accounts from my credit report. I appreciate your prompt attention to this matter and look forward to receiving written confirmation of the removal of these accounts from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX  is incorrectly reporting to credit reporting agencies. I want XXXX XXXX to remove all accounts from my credit. I have warned this company before about the incorrect information reporting and it has not been removed and damaged my credit severely. I have been depressed about this and my health has declined due to the stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I forgot in my initial date I was using XXXX XXXX and this debt was in their hands and never was done

Company response to consumer: Closed with explanation