BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. payment history is incomplete. 

2. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? 
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
Consumer complaint received 2021-11-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

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 2019-06-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
For over a year now, I have been trying to clean up somethings on my credit report by disputing through the credit reporting companies and every time my scores drop extremely! Today I lost 29pts because I disputed to have some accounts removed but they still remain on my credit report so why did I loss 29pts for something that didnt change. I pay all my bills on time my credit score should be at 650/ 700 I have lost so many points just trying to fix my credit. I feel like we as consumers we are being treated unfairly for trying to fix things in our credit reports. This is unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried but they will not provide me with my report. Also there information about me is wrong and out dated.

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 2015-07-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On a recent credit report the following address was listed as mine : XXXX XXXX XXXX XXXX, XXXX, Maryland, XXXX. I do not, nor never have, owned this property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
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:
The credit card company XXXX XXXX was advised of identity theft and credit fraud. Information submitted to all credit bureaus and credit company. They still will not remove off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
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:
I keep saying that XXXX XXXX is not mine. Please remove from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX Firm and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XX/XX/XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit is the correct reporting. On each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX with XXXX negative and XXXX positive for the same account number. 

I do n't understand why number an account that is paid in full was sold to an outside collection agency and why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company 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 2020-04-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file 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 2015-11-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed XXXX XXXX XXXX XXXX XXXX accounts back in XXXX 2015 and those accounts were removed from my Experian credit XXXX 2015. As of today they are appearing on my report after a long investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've submitted info numerous times for the company XXXX and XXXX ( now reporting to XXXX collection agency ). The account was opened with my SS # I contacted my local police dept. for police report for fraud account. ) I also spoke with Experian for them to validate account and no identity documentation was provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: Kingston Data & Credit International Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was called at XXXX and told that the collections company calling was a Credit Reporting Agency. After keeping me on the phone for over five minutes and being barely comprehensible to me, and after I figured out that they were a debt collections company, I told them to only contact me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a mortgage line of credit with Bank of America. I became 3 months behind XXXX.BOA had me apply for a modification. It took until XX/XX/XXXX to get it approved, probably because they wanted to add on over 2500 in fees. The agreement was that I would make 3 payments of XXXX per month. I made all 3 of those payments. The XXXX payment did not go through because the representative entered the wrong routing and accounting number. 

I received a phone call today XX/XX/XXXX saying I was denied a modification. My payment is XXXX which means I technically owe XXXX. I paid the trial payments of XXXX. Technically I can go into foreclosure for XXXX? This is not right or ethical. I have been trying to work with BOA for close to one year now. I need your help. In fact, this is the second complaint I have sent to you about BOA.

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 2017-01-08
Company: I.C. System, Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am a victim of identity theft there are alot of Account and inquires on my creditfile that are not mines or either have my name but different social security attached to it that still are not mine. I have submitted documentation and called and still no help. I have plenty of inquiry month after month with some of these compnt i have no idea about. Im just trying to get them removed. I have sent the same documents to all XXXX reporting agencies.

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 2021-11-18
Company: Dynamic Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are sending debt collection letter and I responded with a letter to not contact me again. I do not owe the debt stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2022, I, XXXX XXXX received my consumer reports and I have noticed various areas in the way First Progress Remittances ( also known as FIRST PROGRESS ) as well as XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX XXXX XXXX XXXX ) are furnishing my information. They are tarnishing my credit score tremendously by reporting late payments every month on a Charge Off account to all the Credit Reporting Agencies and never disclose any details nor provided me with any information nor asked permission to report this late payment which is violating my consumer rights. In fact, Ive never given the Credit Reporting Agencies ( XXXX, XXXX, XXXX, to report this information as well. 
There are various federal laws in place to protect me as a consumer, according to 15USC 1666 ( B ) and another 15USC 1681 ( B ) so they are all in violation to my consumer rights. 
When I am saying ( They ) I am referring to the following, FIRST Progress, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and as well as XXXX, XXXX, and XXXX. 
As a consumer, I am demanding that these companies report to the following accounts should promptly be updated as ON TIME to all 3 Credit Reporting Agencies, XXXX, XXXX, XXXX. The account numbers are listed below. 
the account number with First Progress is # XXXX The account number with XXXX XXXX XXXX XXXX XXXX XXXX The account number with XXXX XXXX XXXX XXXX # XXXX With them violating my consumer rights and reporting this information to my reports has caused extremely XXXX XXXX XXXX, stress and XXXX and anxiety. 

I have not been able to get approved for new credit because of these companies I have stated above and according to 15USC 1691 thats a violation to my consumer rights as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXX XXXX XXXX-Balance {$0.00} Collection : XXXX-Balance {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/21, I received a package from USPS. It was addressed to me from TD Bank. It appeared to be checks, which I knew was suspicion as I do not have a TD Bank account.

I opened the package and confirmed that it contained checks with my name and address but not my phone number.

I immediately called TD Bank, explained that I received checks from them but didn't bank with them, and advised that the checks had my information but a suspicious phone number. I was transferred to their fraud department. The rep in the fraud department made a notation in the system, closed the account in my name and directed me to contact FTC, SSA and the 3 major credit bureaus. 

I made no further inquiries about the account at TD Bank as I didn't open it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in the process of doing a short sale with Bank of america. We have submitted all paperwork and understood because it was a VA loan that it had to be denied for a loan modification before are offer for a short sale could be considered. I have recently moved out with my significant other and our baby girl and have been maintaining the property and our realtor had the lockbox on the door in order to show the property to potential back up offers for a short sale. Bank of America sent safe guard properties into the and drilled out all the locks on the doors and replaced them with their own, they damaged the front screen door, and posted signs all over the house. It has greatly diminished the value of the home and the look of the property. They are making us jump through all sorts of hoops now to get keys to the property and will not return the lockbox they destroyed or provide compensation for it and the screen door they broke. The bank is saying they have every right to enter the premises and do what they did, which is completely illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12
Company: DriveTime
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX walking to a drive time a few days ago I asked lady at the desk which identified as a general manager which later I found out was the assistant general manager her name is XXXX XXXX. but I asked her if drive time participates in truth and lending she said that truth and lending was a tick tock bad I informed to her that truth in lending was an actual act instead of laws that all dealerships must abide by because you guys all participate in it she then told me that if this is a way for me to try to get out of putting in a down payment for a car she won't be able to help me I told her that the down payment if not covered in the finance charge will be the determination of the finance charge however I'm coming in to make a consumer credit transaction I do have credit I was pre-approved so I know that I have the credit to purchase a vehicle without being discriminated against however this woman treated me like I was a child proceeded to raise her voice and cause a scene as if she wanted people to look at me like I was some lawbreaker or I shouldn't have the confidence and self love I should have for myself because she deems in necessary to break me down in front of all the society because I wanted to conduct a business transaction with a business and utilize the truth in lending laws I'm aware that a down payment is a decision of the creditor the bank is not the creditor the duties and obligations of a bank are to borrow money I'm a lender I'm a creditor and I came to lend in exchange for property however I was discriminated against for trying to conduct business within the lines of law and not fraud

Company response to consumer: Closed with explanation