BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
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: Information belongs to someone else

Complaint:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX XXXX  XXXX  # XXXX {$310.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction (

s ) that I have made. It is the result of identity theft. PLEASE BLOCK AND REMOVE ONLY TH
E FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX XXXX   # XXXX {$310.00} Inquiries : XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX  # XXXX {$310.00} XXXX XXXX XXXX XXXX # XXXX {$190.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/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 2021-10-28
Company: EQUIFAX, INC.
State: NJ
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 attempted to go through a refinance company on XX/XX/2021, for my mortgage and to my surprise was told that some derogatory information by EQUIFAX MORTGAGE SOLUTIONS, a credit check service for the mortgage industry; whom I NEVER gave expressed nor written consent to have a report in the first place with any of my personal data/information is reporting inaccurate, false, misleading and deceptive information that is impeding me from moving forward with this refinance company. It is a fact, that, I, have reason to believe and do so believe, I am a victim of aggravated identity theft under Title 18 U.S.Code 1028A, as EQUIFAX MORTGAGE SOLUTIONS, has knowingly used without lawful authority, without my permission a means of my identification, which is in direct violation of 15 USC 1681b. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. Under the FCRA, I have the right to dispute all incomplete and inaccurate information in my credit reports with the agency that made the report. And as a, federally protected consumer, I will use all remedies available to me, and hold the CRA liable under 15 U.S.Code 1693m for the actual damage caused to me, as well hold them liable for any and all violations, and of course hold them liable for criminal liability pursuant to 15 U.S.Code 1693n. Please see enclosed attachments of proof provided to me by the refinance company of the same derogatory inaccurate information I am disputing here today, that they see on their end. I have already attempted to handle this over the phone with the company in this complaint, and as of yet no luck, and no solution based outcome as come out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a check I wrote was stolen out of the mail and altered when I went into my Webster account on XX/XX/XXXX to make on electronic payment my balance was XXXX dollars I went into my transaction history and saw a check I wrote out to XXXX XXXX for {$440.00} was altered with a different name and dollar amount was changed to {$4400.00} I went to Webster bank on Friday XX/XX/XXXX filled out all paperwork work Im going on XXXX months still has not put the money back into my account I was told it can take 8 months before this money is placed back into my account I am the only source of income in my house hold this is hurting me financially I feel there process for placing the money that was stolen out of my account is horrible basically what Webster Bank is telling me until XXXX  refund the money to them, then they will put it back into my account this is terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: IN
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 purchased a lease with XXXX and used their in house financing through XXXX XXXX XXXX. Upon the end of my lease term I decided to lease a new vehicle with the same company and equally went through their in house financing. My vehicle was paid of by the company themselves ( it was literally their vehicle ), the new lease was contracted, I put a down payment on the lease and made my first months payment and thought I was good. The same week I purchased the new vehicle I was receiving collection calls from their back office threatening reporting my late payment to my credit report. You can imagine I was confused because I was in a completely different vehicle and had already made a payment towards the new car. In a panic I went into the car dealership and spoke with the XXXX. I was told they can see in their system that everything is paid off and it just needs to process. I was told it take up to two weeks to process but no additional payments had to be made. Again, this was a duh for me because it makes no sense to be paying on a vehicle I no longer own. Not only was it in their possession but it was paid off and I was in a new car. XXXX and behold I receive an update on my credit report that after perfect history throughout the entire lease, they reported I did not make my last payment on time. I hopped on this immediately and have written all required information to XXXX. Not only will they not correct the issue but they are taking no responsibility for the negligence on their behalf. I spoke with multiple managers ( even for a second opinion ) and was consistently told it would be remedied. It has yet to be resolved and all Im getting is if you provide new information we will re open the investigation. What a poor investigation. What a poor process and what a poor experience. Now I am looking at a late payment staying on my report for 7 years because they refuse to remove this mark and own up to their mistake. Theres no reason I should have had to do so, but I would have even been willing to make an additional payment and have them reimburse me. Instead I was told otherwise.

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 2017-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
When Bank of America transferred servicing of my loan to XXXX they had added {$16000.00} of interest to the principal without providing me with a Form XXXX for that interest. They called the interest deferred interest without sending me a Form XXXX or reporting it to the IRS. Bank of America ( BANA ) was involved in a class action suit ( XXXX v BANA ) in 2014 over deferred interest. In that case the bank admitted they had changed their system to not report deferred interest as required by law. After the case was settled they sent corrected Form XXXX to the mortgagees of loans that they were still servicing but not to mortgagees of loans that servicing of the loan had been transferred. They did add the deferred interest to the principal before the transfer and when asked about it after the court case continued to call it principal that did not have to be reported. In the first complaint I sent to the CFPB they answered it with the usual it is deferred intereast and is principal and is not reported. They CFPB Bulletin of 2014 stated " A transfer does not relieve transferor servicers from their obligations under 12 CFR 1024.35 and  .36. Transferor servicers are obligated to respond to notices of error and information requests from the borrower ''. I requested the corrected Form XXXX within one year of the time BANA admitted in court to intentionally not reporting deferred interest. I have attached copies of my records and the Banks activity history printouts that match my figures and states what they have done. That is, add deferred interest to principal do not report it to IRS as income and do not report it to mortgagee as interest on Form XXXX and they transfer it to another finacial institution for full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Enhanced Recovery Company on my own to pay a debit. They told me that I could pay {$1000.00} for a pay and deletion. Upon the last payment the following month they tried to continue to draft my bank account I stopped the payment, because I already had satisfied the agreement. The original debt is {$1400.00}, I paid {$1000.00} which is a {$340.00} difference. This collection now shows on my report as closed with a {$500.00} balance, this company did not keep the agreement in which we established over the phone when I called them to satisfy the debt. I would like this closed collection removed from my credit and a letter from them stating this debt is PAID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: AR
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged ALLY - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: CA
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Capio Partners, LLC
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:
Capio Partner communicated in a letter they sent me through the mail with intent to extort money from me by using interstate communications in a scheme of fraud by using threat, intimidation, deception, and enticement to coerce me into paying them money through the mail. They claimed they purchased this alleged debt from XXXX XXXX and has been contracted to collect by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Trans union, XXXX, XXXX Has Failed to comply with their own credit company policies in a timely manner.

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 2017-06-15
Company: CORELOGIC INC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credco -  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  Please remove these inquiries.

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 2021-10-28
Company: EQUIFAX, 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:
EQUIFAX is refusing to put a freeze on my credit report! And EQUIFAX is missing my credit report by put malicious malice vicious slander and intimidation! I asked for a freeze I was denied and EQUIFAX continue putting untrue information on my credit report concerning XXXX XXXX XXXX THIS COMPANY IS NOT MY MORTGAGE HOLDER! Please remove the fraudulent slander from my credit report immediately! Cease and desist reporting fraud! And again REMOVE CHAPTER XXXX bankruptcy! I DID NOT FILE DISMISSED BECAUSE THERE WAS NO MEETING OF THE CREDITORS! I was granted FREEDOM IN THE NAME OF XXXX XXXX IN THE NAME OF XXXX XXXX YOU ARE COMMITTING A CRIME CALLED FRAUD! Cease and desist fraudulent report immediately! 
EQUIFAX XXXX XXXX ARE REPORTING XXXX 2 times XXXX IS NOT A MORTGAGE LOAN CEASE AND DESIST FRAUDULENT REPORT! This LOAN IS FRAUDULENT PLEASE CEASE DESIST FRAUDULENT REPORT! USDA AGREED TO REMOVE THIS FROM MY CREDIT REPORT! STOP REPORTING XXXX 2 times this is fraud XXXX LOAN IS NOT LABELED A MORTGAGE LOAN YOU ARE VIOLATING MY RIGHT OF RATES REPORTING FRAUDULENT! 
I am forgiven of all debt in the name OF XXXX XXXX IN THE MIGHTY NSME OF XXXX XXXX DTOP THIS SLANDER AND ABUSE AND INTIMIDATION IS A CRIME! STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Transunion is reporting fraudulent inquiries on my credit report. I gave no written consent for these inquiries to be furnished and id like them removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/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 2017-06-15
Company: JH Portfolio Debt Equities, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent  JH Portfolio  several certified letters asking them to validate this debt after continuing to pursuing collection activity, failing to report this item as disputed to credit bureaus and claiming to be the purchase of this debt! I will sue in court and will be rewarded $  1000/violation  plus damages. I have n't received any documents/statements or anything from  JH Portfolio.  When I sent certified letter I had correct address also when I called I updated my address.    JH Portfolio  is reporting an account to the credit bureaus that was paid to the original credit. I paid this account out to  XXXX   XXXX  on  XXXX   XXXX ,   XXXX  .   I spoke to  XXXX  from  JH Portfolio  and she said the balance was {$580.00} but I paid/renewed this account in order to get another loan., which  XXXX   XXXX   said  they sold to  JH Portfolio (  see attached ).   I 'm going to sue JH Portfolio and  XXXX   XXXX  for violated the laws under FCRP/FDCPA!!!

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 2022-04-04
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/2019

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 2018-12-06
Company: Comerica
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
When checking my card transactions, I found several fraudulent transactions for the purchase of same type items, occurring on various days. These transactions totaled several XXXX dollars, all deducted from my monthly Social Security Retirement. 
On XX/XX/18, after multiple attempts to contact customer services, I finally got an answer. I explained the problem to a very nice lady in customer services. She instructed me to withdraw the remaining money on my card, then call back to report the fraudulent transactions, and get a new card. 
I withdrew the remaining monies from my card on XX/XX/18, and then began my attempts to call customer services to request an investigation of transactions and get a new card. 
As of XX/XX/18, I have now spent 4 days making frequent and repeated calls to contact customer services. All attempts unsuccessful, with recorded message stateing a larger than normal amount of calls being received, and to call back or use web site! All attempts to contact customer services via web site were also unsuccessful!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX. I was checking my credit report on XXXX XXXXXXXX XXXX and I noticed there are several inquiries that I have never authorized. I tried calling XXXX, XXXX, and Transunion and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from 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 non-monetary relief