BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
Company: CL Holdings LLC
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:
there are 3 fraudulent accounts on my credit report that is not my doing im a victim of identity theft i have never made purchases from these said companies that are reporting to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Entrata Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I notice here after receiving a tenant screening I have an eviction from XXXX XXXX XXXX  file date as of XXXX2016 with a balance of XXXX . I am an aware of this record and its effecting my chances on finding a home. Please remove immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Financial Assistance Inc
State: NV
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:
IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND 1099 C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX AND XXXX XXXXXXXX BANK HAVE REPOTED LATE PAYMENTS AFTER ACCOUNTS HAVE BEEN CLOSRD. MONTHS LATER. THEY THEN AFTER DISPUTINNG SUBMITTED NEW CLOSED DATES SO THAT THE LATE PAYMENT FILINGS COULD STAY ON REPORT. 

THERE ARE XXXX DATES OF ACCOUNT CLOSING. XXXX AN OFFICIAL DATE OF CLOSURE THEN ANOTHER LISTED IN THE " PAYMENT HISTORY '' SECTION OF REPORT. XXXX DISPUTED AND BROUGHT TO CREDITOR AND DISPUTED WITH BUREAUS ... .NOTHING HAS BEEN DONE... .SEVERAL DISPUTES FILED... WHEN I BRING IT TO THEIR ATTENTION... XXXX TOLD TO FILE ANOTHER DISPUTE. WHEN I SAY XXXX  DONE XXXX OR MORE LOOK AT THEM ... XXXX TOLD THEY ARE CLOSED AND CANT HELP ME... SO THEY DONT WANT TO LOOK AT THEM. 

WHEN I QUOTE THE F C R A REGULATIONS AND ASK HOW THIS CAN BE ... THEY SAY XXXX RIGHT .... '' BUT THEY CANT REMOVE '' CREDITOR HAS TOO. XXXX STUNNED ... IN MY FACE AND IN THEIRS ITS WRONG AND THEY REFUSE TO REMOVE UNVALIDATED DEBTS AND WRONG / FALSELY REPORTED NEGATIVE INFO... XXXX REFUSE TO DO SO AND TELL ME " THATS ALL THEY CAN DO FOR ME IS FILE ANOTHER DISPUTE ... XXXX HAVE EXPLAINED YOUR OPTIONS I AM GOING TO END THIS CALL BECAUSE I CANT HELP YOU '' I HAVE RECORDED CONVERSATIONS OF XXXX  FROM EACH BUREAU TELLING ME THIS. 

XXXX  IS ANOTHER ... PAID OFF ACCOUNT XX/XX/XXXX. XXXX XXXX. DISPUTED IT ... XX/XX/XXXX RESPONDED INFO IS CORRECT... DISPUTED AGAIN IN XXXX... XXXX... SAME THING ... WHEN I ASKED FOR WHAT DOCUMENTATIOM THEY COULD POSSIBLY GIVE YOU SHOWING A BALANCE OWED... THEY REFUSED TO TELL ME OR OFFER ANY INFO... .SO I ASKED THEM ... .WHAT COULD THEY POSSIBLY GIVE YOU AS PROOF ... WHEN I SUBMITTED XXXX  FROM XXXX  " THANK YOU FOR YOUR BUSINESS LOAN IS PAID OFF ... WOULD YOU LIKE TO PURCHASE ANYTHING ELSE '' EVEN HAD THEM ON PHONE WITH XXXX BUREAU ... XXXX PAID IN FULL... THEY STILL DID NOTHING ... .AND HAD NO WAY OF VALIDATING CREDITOR REPORTING ... I HAD EMAIL ... .ITS STILL LISTED AS OPEN... AND XXXX CREDITOR REPORTED IT OPEN STILL ... XXXX ASKED FOR PROOF IT WAS... THEY HAD NONE TO OFFER ... .I THOUGHT THEY HAD TO IMMEDIATELLY REMOVE ... .TOOOOO MUCH TO TYPE ... .TOO MUCH MORE ....

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 2017-09-25
Company: EQUIFAX, INC.
State: AZ
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:
Immediately after the disclosure of the Equifax breach, my husband and I placed a freeze and alert on our accounts. We were able to learn that my husband 's data was probably hacked. We then attempted to access our credit reports with Equifax online. My husband was able to access his. But after many unsuccessful attempts to obtain mine, I sent a written request, by certified mail, to Equifax to send my credit report to my mailing address. 

Today, XXXX/XXXX/XXXX, I called Equifax at the phone number provided on their website for customer service, to provide help to " customers with additional questions. '' My inquiry was to learn the status of my credit report and to request a copy of my credit file. ( In a form letter to my husband, Equifax distinguishes between credit report and credit file. ) An Equifax customer service supervisor stated that his department 's only job was to process credit freezes. They are not truly " customer service '' and have no phone numbers for customer service or any other department in the company. And there was absolutely no way for them to access my account or help me in any way. 

Not only did this company lack effective data security protections, but they continue to operate inefficiently and ineffectively. I am very concerned that my data has also been breached and I have absolutely no way of investigating. This company is so irresponsible that they should be shut down. Do they even have a license that can be revoked? 

Is there such a thing as a credit file, separate and distinct from a credit report? I am not sure that I can trust any information imparted by Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies XXXX, XXXX, & Experian has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 have no knowledge of hard inquiries on my report. 



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 explanation
Consumer complaint received 2018-09-17
Company: Sequium Asset Solutions, LLC
State: FL
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:
My credit score dropped almost 75 points and when I got a credit report the only negative was for a collection dept to XXXX XXXX for {$55.00}. The company that reported this was Sequium Asset Solutions fro XXXX, Georgia. I called XXXX  XXXX and they have no record of this debt and I am current with my XXXX   XXXX bill paid through XXXX  XXXX. I have tried to call Sequium but they do not answer the phone. I left a message but they did not return my call. I suspect fraud in this case and this has prevented me from doing a refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I transfer funds between my savings account to another bank I have a checking account with. I've done this manually for months. On Friday, XX/XX/2022, I transferred my funds as normal and received confirmation the funds were sent. Around noon, I received a call from Marcus Savings / Goldman Sachs with the agent saying to call back. I got emails saying my account needed attention. When I called I was told my already verified external account had to be verified with the bank on a 3 way call and the funds were actually not transferred as confirmed by email. It's deceptive and putting me at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
I have recently graduated from college, come to find out that I have fraudulent accounts in my name. I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). I am asking your financial institution to CEASE & DESIST all reporting of these fraudulent accounts. Barclays Bank Delaware : {$16000.00}. 
These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 


This is a legal request to cease and desist.

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 2022-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont have any knowledge of any debt of my credit report I just start to get into building my credit and I see that I have 3 collections I have no knowledge of and that I for sure didnt sign for and Im trying to delete them so I can start my life in full swing so can you please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-09-27
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: 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.

Acct name/ US DEPT ED : # XXXX '' *, Accf name : XXXX XXXX # XXXX Acct name : XXXX XXXX  XXXX # XXXX Acct name : XXXX # XXXX Acct name : XXXX # XXXX Acct name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: LEXISNEXIS
State: NH
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 written LEXIS-NEXIS a few times, asking them to verify how they verified a bankruptcy and asked them if they could remove it if it could not be verified. They are still showing it on my most recent Lexis Nexis report. I know the courthouse is do not report anything. I also know that the credit bureaus have came back and told me that they received the information from LEXIS-NEXIS and they just gather your stuff through public information and post it and sell it to the credit bureaus. I also know that just because something is a public record does not mean its true and accurate and that is not a verifiable source.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX C XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it 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 non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im begging you please remove this to the 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 2023-11-20
Company: EQUIFAX, INC.
State: TX
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:
I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report.

Company response to consumer: In progress
Consumer complaint received 2022-09-27
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in XXXX. Upon coming out of it in XXXX XXXX we applied for the HAF and have been approved. We owe {$72000.00} and Georgia XXXX approved and sent {$50000.00} to my mortgage company. Here is my issue. I spoke with Freedom Mortgage at the beginning of XX/XX/XXXX. They told me that if we were approved for the {$50000.00} in HAF funding that the St. of GA required us to pay the balance of approx. {$22000.00}. They said GA is a reinstatement only state. ( I found no documentation of that ). They told me I had to wire the money to them and then it would take a couple of weeks for the funds to be applied to our mortgage balance. Then on XX/XX/XXXX XXXX XXXX ( I have her direct dial # ) called and told me we were approved for the full {$50000.00} and she was sending it to Freedom Mortgage and it might take a few weeks for them to apply it to our acct. I said that was different from what Freedom told me. Which was the St of Ga required to us pay the balance in full ( the money from the HAF and the balance that was left ). XXXX told me she was sending the money and what we did with the balance of what we owed was between me and Freedom Mortgage. I read the documents I signed with the state and the information on the GA HAF website. There is nothing that says Georgia requires the loan to be fully reinstated before they will apply the funds to our mortgage acct. I verified the {$50000.00} posted to my mortgage acct on XX/XX/XXXX. Then on XX/XX/XXXX I spoke with XXXX XXXX at Freedom. I gave them all of this info and she said they would check into it with her mgr.

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 2022-12-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In accordance with the Fair Credit Billing Act please provide the information that was used to verify the charge in the amount of {$280.00} as authorized. This is a request for all documentation provided by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Choice Recovery, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with a fair credit reporting act [ US DEPT ED # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy. 

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
i obtain all three reports from the bureaus and the information collected is not mines i would like this to be removed from my 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 non-monetary relief