BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from  XXXX . I asked for written verification as well as signed contracts with my signature for  XXXX  ... there were  XXXX  accounts on my report for transunion in which  XXXX  were deleted yet  XXXX  remains and  XXXX  JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX  SERVICES AND  XXXX   XXXX  SYSTEMS on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....

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 2019-12-09
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts are lost/stolen and fraudulent charges and transactions are on the accounts : XXXX XXXX, {$3400.00} and XXXX XXXX XXXX, {$1400.00}. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX  XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX VISA, {$270.00} and XXXX XXXX XXXX XXXX, {$30000.00}. The following credit inquiries are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX ( XXXX XXXX ),  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and 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 non-monetary relief
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: AL
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:
My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXandXX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!

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 2022-04-07
Company: Experian Information Solutions Inc.
State: CT
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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint Experian responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.

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 2020-01-30
Company: Experian Information Solutions Inc.
State: NJ
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 Response to complaint XXXX-XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on 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
Consumer complaint received 2019-12-09
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this bill through XXXX  XXXX XXXX on XX/XX/2019 in the correct amount of {$140.00}. I have the emails and proof payment was made. 

Debt collector states {$140.00} and is saying the wrong amount. I have never been contacted by this MRS Company. I recently started a new XXXX account due to a move in XXXX and she reviewed my previous account and EVERYTHING was paid and to date. She opened the new account with no deposits or fees necessary. Thus, I would not have been allowed to open a new account if I still owed money. 

I have everything needed to prove this was paid in full and that this collection person never even attempted to contact me and I DO NOT OWE IT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
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: Account information incorrect

Complaint:
As requested by the credit bureaus, Experian and XXXX please see attachment for additional relevant information concerning the following account. ( XXXX XXXX ) In the attachment you will see a signature contract page sent to me by the original creditor as proof of validation. Please pay close attention to signatures of which appears to be robo signatures, which is not at all consistent with my original signature. By default it is concluded that this account is fraudulent and does not belong to.

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 2017-06-05
Company: EQUIFAX, INC.
State: AL
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:
My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXand XX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got an alert from my credit report service that Bank of America had a credit inquiry against me on XX/XX/2021. I have never authorized Bank of America to check my credit. I have never had any business with Bank of America. I called Bank of America on XX/XX/2021 and was told a credit card account under my name is pending for approval. I was told the fraudulent account is being closed upon my report. I also emailed Bank of America security department to report this unauthorized transaction. I thought everything has been taken care. However, I just received a letter only in Spanish from Bank of America today. I am not a Spanish speaker and do not understand Spanish at all. I am afraid Bank of America did not take care the fraudulent transaction.

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 2019-12-09
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: Account information incorrect

Complaint:
As requested by the credit bureaus, XXXX  and Transunion please see attachment for additional relevant information concerning the following account. ( XXXX XXXX  ) In the attachment you will see a signature contract page sent to me by the original creditor as proof of validation. Please pay close attention to signatures of which appears to be robo signatures, which is not at all consistent with my original signature. By default it is concluded that this account is fraudulent and does not belong to.

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 2019-12-09
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Best buy closed muy account without my consent.

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 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My wife and I sold our home in  XXXX  and closed on  XX/XX/XXXX . During this process we packed up and moved to   XXXX   in  XXXX . We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right?   My wife and I decided we wanted to buy a new home in  XX/XX/XXXX , In doing so the lender ran our credit reports only to find that  XXXX  reported us 60 days past due for the months of  XXXX  and  XXXX  of  XXXX . How could this be we paid off our mortgage in  XXXX . After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in  XXXX . The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested  XXXX  to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at  XXXX  with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue!  XXXX  has yet to return any of our calls. Unprofessional to say the least!!!

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 2018-05-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) XXXX  Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) Equifax Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) XXXX  Credit Reporting wrong information on Delinquent, and recent credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Applied to get an apartment in XXXX Ohio at The XXXX under The XXXX XXXX XXXX, but for whatever reason, there are two identical 'hard inquiries '' on my TransUnion credit file. There should only be one " hard inquiry '' from " XXXX XXXX '' on my TransUnion personal 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 explanation
Consumer complaint received 2017-06-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XXXX 2016 I was scammed with an online job posting on XXXX, the listing seemed very credible and I followed instructions via email to receive a counterfeit check and deposited into my Chase bank account to then withdraw and deposit into the scammer 's account. I received the check for {$3300.00} and deposited to my account on XX/XX/2016. At the time being XXXX years old I knew almost nothing about how to handle unknown checks since I believed in the bank to handle it properly. I continued following the scammer 's instructions to withdraw the money from my account, at this point I did not want to be ignorant so I asked the teller if the money I was about to withdraw was entirely available and if I had nothing to worry about or be concerned of beforehand and the answer was no nothing to worry about, until a few days later that I received a letter from my bank stating the check bounced and the money I had already deposited into the scammer 's account had to be returned leaving me in debt and in great suffering of worries and emotional damage for me and my family. I instantly tried to solve this matter with bank and police but neither could help since there was not enough solid evidence of the scammers and the money was gone. I also reported the matter to corporate offices and was told this was entirely my fault for not knowing very much about checks. They told me the money was extended as an advance without informing me and they expected the check to be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: NY
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:
As requested by Equifax for additional relevant information. ( Please see attachment for further detail ). 30 days ago I have disputed and challenged XXXX XXXX XXXX XXXX  on my Equifax credit report. 

In the attachment you will find relevant information which may be  inconsistent with what is currently being reported on my Equifax credit profile. This is a violation. 

On my credit report, Equifax has last payment date of XX/XX/XXXX. But in documentation received from the original creditor. The last payment date was in XXXX of XXXX. As a result, by default any and all information being imported by the furnisher is inaccurate and is deemed irrelevant. XXXX  XXXX XXXX XXXX  must be removed effective immediately from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions 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:
Experian is allowing XXXX XXXX XXXX  to report an collections account on my credit report even after XXXX XXXX XXXX confirmed that all correspondence was mailed to the wrong address. The Fair Credit Act states that I have 120days to handle before its reported to Experian. If the correspondences was mailed to the wrong address how could I have handled?

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 2017-06-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I reached o ut to Barclay 's  Bank fo r my Barclay Arrival Card at  (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017  at  XXXX   XXXX  to inquire about  two  times my interest rate increased an d one ti me it was decreased on my variable APR. The reason I was aware of this is because a third-party application called  XXXX  notifies me when such changes occur. Upon speaking with the representative I informed them that my interest rate was increased in  XXXX  and  XXXX  this year, yet I had not received a formal notice in regards  to this. The one t ime it was decreased,  XXXX  I believe, I had requested it and a formal letter was sent to my address on file. I was perplexed as to why I would not receive a letter or e-mail besides my normal statement to indicate when my rate would increase. After much back and forth I spoke with a supervisor that informed me that interest rate increases were due to the recent hike s by the FOMC in each month. This statement made it much clearer to me why I received the two interest rate increases. However, there was no formal communication of this from Barclay card. The response I   received from the supervisor was " Do you expect us to notify all of our millions of customers? '' At first I was taken aback and somewhat agreed. After having thought abut it though I am sure there are some guidelines that may have been provided under the Dodd-Frank Act or that are required by the CFPB. Please clarify what they are if any. Thank you.

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