BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$190.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-12-19
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a email from National Credit Collections stating I owe {$760.00} a debt that I never took out from this company. Company via email stated that if debt was not paid they would file with my district court and declare dead and loan default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
For XXXX XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from Experian, XXXX, and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.

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 2015-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have had several different problems dealing with experian. 
Recently, I tried over several days to obtain my free, yearly Experian credit report. I initiated the request on the government website ( ftc? ) and was then directed to another website. 

The problem was that I always received a message stating I could not receive my report.I can not remember the exact wording but received a message stating there was some type of error Eventually, I was able to receive the report BUT I had to access it through the Experian website which I did not want to. 

Also, last year I had difficulty receiving my Experian report. Then, when I tried to obtain my report it falsely stated that I had already received it. 

Finally, in 2015 I receive free credit reporting through Office of Personnel Management ( OPM ) as a victim of the XXXX hackers.The experian information on that XXXX provided website ( myidcare ) contains inaccuracies but I could not dispute them because the Experian dispute form mandates a, report or case number which XXXX does not provide. 
It appears as if experian does not readily provide the mandated free yearly report and makes it impossible to report inaccuracies if those inaccuracies are noted on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: MO
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:
Experian and XXXX XXXX continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.

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 2021-01-22
Company: M&T BANK CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a FHA mortgage with said company. The loan is escrowed for taxes and insurance. Annual insurance was due XX/XX/XXXX. The insurance was not paid and I was not informed until I received a notice to cancel from my insurance. I immediately called my insurance company to find out if they had not sent bill to bank. They informed me they had sent them 3 requests for payment with no response. I then called the mortgage company who had no idea why it hadn't been paid. The woman put me on hold and came back moments later saying she called and did a payment and had our late fee waived. At this point I thought we were all taken care of. Then I recieved a letter dated XX/XX/XXXX from the mortgage company stating I failed to keep insurance on the property and due to insurance cancelation they had placed forced insurance on our property until we obtain proof of insurance. I immediately called the insurance company again. They stated that the payment from the bank never came through. I called the bank back once again and was told that they refused to pay the premium out of our escrow. They mentioned something about our house being under construction so they would not pay the policy. I then asked them how that is possible considering that we moved back into our home XX/XX/XXXXXXXX  and they had their evidence of completion and had released the final insurance claim funds to the contractor which confirmed that the home was completed. Either way under construction or completed you still have to have insurance on the property. She said there was nothing she could do about it that we would have to get insurance again. I spoke to my insurance agency again and they informed me that they could not re-instate our policy nor could they find a insurance company that would write us a policy due to the recent fire claim and a canceled nonpayment policy. Now we can not find any insurance company to cover us leaving in a horrible situation. Here 's the " this doesn't make sense '' part. 
Our home burnt down XXXX XXXX. They paid the premium for insurance in XXXX XXXX  ( with no home on property ), but then refused to pay XX/XX/XXXXXXXX  premium that actually had a home ( a brand new home ) on the property.

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 2019-12-19
Company: Experian Information Solutions Inc.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting th
is information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$6100.00} -This is not my account.

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 2022-07-22
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.

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 2016-11-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted Experian recently to dispute a trade line entry in the credit report Experian compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. Experian indicated that the dispute would be investigated and a response provided within 30 days. Experian closed the investigation without addressing the substance of the dispute ; rather Experian performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that Experian allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; Experian is facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. Experian has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. Experian 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!

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 2016-02-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian reported a XXXX credit card ( XXXX ) report that in XXXX of 2012, a payment was late. It was not. XXXX do correctly reported that the account was paid in full, and closed, but yet they ( XXXX ) continue to report a fictional late payment, that was timely disputed and resolved. Now, preparing to seek another mortgage, I disputed the matter again per mortgage broker, and Experian " investigated '', but it remains on my report. While not fatal, it does slightly impact my rating, and I have asked that the record be corrected and the entry deleted, but to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2016-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was making a purchase at the XXXX at around XXXX only to see my debit card was declined. I called my bank ( Bank of America ) to find out what was wrong only to discover the account was closed and they told me to call their risk department. The risk department were extremely rude!. They did n't let me speak and they could not give me a valid reason or good enough reason as to why they were closing my account just before hanging up on me. Prior to this incident i did not receive any phone call or letter in the mail or any kind of notice to inform me about them closing my account or even a warning that they are closing my account. The letter they sent me was dated on XXXX XXXX 2016 and the account was closed without my knowledge on XXXX XXXX 2016. The letter came in the mail on XXXX XXXX friday 2016. I have never been treated so unfairly and disrespectfully by a financial institution in the whole of america. Bank of america has to be the worse banking experience i have had. I had to XXXX my situation only to find out similar situations of them closing other people 's account with no valid reason, that 's how i came across the information for the Bureau of Consumer Financial Protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX  and Trans Union continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.

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 2019-02-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is based on violations of the FCRA, the FDCPA On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by Resurgent capital claiming they purchased a debt from XXXX  XXXX. I was never aware of this account and had no opportunity to dispute the debt prior to this period. 


___ On XX/XX/2018, I mailed to RESURGENT CAPITAL a demand letter pursuant to XXXX Chapter 93A and a request for validation of debt. I requested all of the required materials under FLORIDA. law 940 CMR 7.08 ( 2 ) and 209 CMR 18.18 ( 3 ). These materials include ( a ) all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected, and ( b ) a complete transaction history which reflects the date and amount of payments, balances, and charges concerning the debt. My letter also included the very same form letter provided on the website of the CFPB for consumers to request validation of an alleged debt. 

XXXX On XX/XX/2018, resurgent CAPITAL received my letter via certified mail. 

___ At no time did they validate the debt by providing the required materials under Massachusetts law, nor did they provide the answers and documents as prescribed by the form letter issued from the website of the CFPB. 

___ I disputed the account thru the credit reporting agencies. My dispute included that ( a ) I had no knowledge of the account and ( b ) that resurgent capital failed to validate the debt as required by [ florida LAW ] and the Consumer Financial Protection Bureau. 

___ Between the dates of XX/XX/2018 XXXX, I received the results of the investigations from the credit reporting agencies, where XXXX had falsely verified the account, despite their failure to validate the debt as required by FLORIDA law and the FDCPA. 

CFPB Complaint Resurgent capital failed to validate the debt as required by state and federal law can only be construed that they do not possess the required materials to support its claims that they are owed this debt, including the accuracy thereof. 

I do not have a signed contract nor any contract with this company. Iam not liable for the collection from this debt from XXXX XXXX XXXX or resurgent capital. Iam not responsible for debt and this debt  needs to be removed from my all credit reports. 

I WANT THIS REMOVED FROM ALL CREDIT REPORTS. 
THIS COMPANY IS REPORTING FALSE INFORMATION

Company response to consumer: Closed with explanation