BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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:
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 the 3 credit bureaus 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 remove these files. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$760.00} ; XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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 2021-08-03
Company: Experian Information Solutions 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:
There is a XXXX XXXX  credit card opened and used fraudulently in my name. The card was opened and used regularly in XXXX and XX/XX/XXXX, but I was not in the XXXX from XX/XX/XXXX to XX/XX/XXXX. I have signed and filed back the statement of fraud the XXXX XXXX  send to me together with the proof document that I was not in the State during the time. I have filed this case with the police department and asked three credit bureaus to block this item from my credit report. However, in late XXXX, this item was reinserted into my credit report. I contacted all 3 credit bureaus, and XXXX  and XXXX  allow me to argue this investigation result. However, Experian refused to initiate a reinvestigation, which is unfair 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 

the following account is in violation :XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
REQUEST WAS MADE IN WRITNG OVER 2 MONTHS AGO CONCERNING ARREARAGE FIGURE AND QUESTION OF XXXX DOLLAR AMOUNT, TO DATE NOTHING HAS BEEN RECEIVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. with no account number has violated my rights. 

15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting angency can not furnish a account without my written instructions.

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 2022-08-24
Company: EQUIFAX, 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:
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 the 3 credit bureaus 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 remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed disputes in regards to the incorrect info on my credit report. It has been well over 30 days and I havent received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: NV
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 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 XXXXXXXX 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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # 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 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 2022-10-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked XXXX XXXX XXXX for validation through US mail and through the CFPB.at the address listed. I have not received any correspondence from this company. as of XX/XX/2016, this account was charged off. The Statute of Limitations for this type of debt is three years in the state of South Carolina, This is a time barred debt for collection purposes. How is it that the payment is increasing on a time barred account? Updating the payment history is not validation, XXXX XXXX payment history is inaccurate. I have no account with XXXX XXXX XXXX. This a violation of my rights under the HIPPA laws. XXXX states that the account is showing an inaccurate payment history and has been sold to XXXX. Why are they still on my credit report when the alleged account has been sold to a third party collection and I never had n account with XXXX XXXX XXXX has an inaccurate payment history. 15 USC 1681a ( 2 ) ( A ) ( i ) states that ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. Reporting any type of payment, is considered a transaction. ! 5 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violatiion.

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 2022-04-25
Company: Experian Information Solutions Inc.
State: NC
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 Account # 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 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 2022-08-02
Company: United Group Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Unknown disputed debt escalated to threat of wage garnishment and letter to employer without communication or any basic information about the debt in less than 1 month. 

On XX/XX/XXXX, my sister, who lives in Washington State, received a letter from the Law Office of XXXX XXXX XXXX on behalf of United Finance Co., both located in Oregon. 

This document stated she owed over {$9000.00} for an original debt of {$80.00}. 

It claimed that this debt was from XXXX, over 7 years ago. 

She does not know what this debt is for and there was no information on what it might have been for in order for us to try to confirm or disprove this debt 's existence. 

We do not know how they came to the amount of over {$9000.00}. 

This letter referred to a judgment against her : Case No. XXXX. The letter claimed this judgment was also from XXXX. 

She at no time in her life has received any summons nor been made aware that she needed to go to court. 

At no point over the last 7 years has anyone attempted to collect any debt from her, until this letter. 

Following the direction provided on consumerfinance.gov, we wrote a letter disputing the debt and asking for basic information about what they believe she owed money for, and sent it by certified mail. 

She never received acknowledgment from either the Law Office of XXXX XXXX XXXX or United Finance Co. that the letter was received. 

Instead, the XXXX XXXX XXXX XXXX XXXX XXXX sent a notice of wage garnishment to my sister 's employer, on behalf of United Finance Co. 

She received a copy of this letter. 

The new letter appears to have some discrepancies, among them, that the original debt was over {$2000.00}. 

It still does not tell us what the original debt was for and my sister has no idea what they are claiming she purchased. 

How can she dispute a debt she is unaware of from over 7 years ago, when the collector will not tell her what the debt was for? How can they go directly after her wages in less than a month 's time while she is still disputing the debt? How could there have been a judgment against her, when she was never notified of it or given a chance to defend herself?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted by Jeffcasys, theyre asked me about {$510.00}. XXXX that I owed to XXXX since XXXX but I explained that I paid it, long time when I changed to other phone company. They insisted to charge me that money and theyre calling threatening me. During the pandemic also called many times a day. Now I found a derogatory marks on my credit report. I feel very frustrated cause My credit score went down. I want to remove this issue from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot holds the mortgage to one of my investment properties. I called to set my account up on autopay and they confirmed that was set up. The auto pay was not in fact set up and I missed my payment. In addition, Loan Depot did not have my correct contact information on file ( incorrect phone number ) so I was not made aware when the payment was late ( this is despite me trying to correct my contact information multiple times previously ). No letters were sent in the mail. When I finally noticed that the payments were not being made, I immediately paid the past due balance and contacted Loan Depot to remedy the problem but they were unaccommodating. I had excellent ( over XXXX ) credit score and have never made a late payment- this mistake on their end has lowered my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently found out that I have a debt collection on my credit report after a friend ran those reports for me. That being said, it says that I have a balance owed of {$410.00}. However, my final bill dated XX/XX/XXXX, from XXXX XXXX XXXX states that I owe XXXX. The first credit agency that had the collection stated {$240.00} as well. However, when the collection was sold off to another agency - IC systems - the amount had essentially doubled to what is now {$410.00}. My only theory is that they have included equipment that I had previously returned and you will find that tracking number below. I called XXXX XXXX XXXX and they too confirmed that they received that equipment back in XXXX. Below I will attach all the documents pertaining to this - the final XXXX XXXX XXXX bill, tracking number for equipment ( potentially what made the debt increase, but still does not justify why one collection agency had one amount and the other, another amount ), as well as the previous collection agency amount.

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 2019-05-28
Company: FORD MOTOR CREDIT CO.
State: AR
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:
SEVERAL BANK PULL MY HARD INQUIRIES FROM ALL BUREAUS, XXXX XXXX, FORD CREDIT ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: NC
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:
Sent 3 attempts in writing to delete and remove all names, addresses, and personal information that was incorrect and not provided by myself, not authorized by myself The attempts went unresolved and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed for a puppy for my children. I did the transcation via XXXX. Bank of America messed up my claim numerous times. 
On XX/XX/2020 I made three transactions via XXXX for a puppy, not realizing that I was being scammed. Turns out I was scammed. I called BOA to tell them. The claim was done incorrectly. I called Monday, Tuesday, Wednesday, and Thursday and each representative filed my claim for scam incorrectly. Finally Friday a supervisor " escalated it. '' I called back the next day and was told the claim was done incorrectly and that they did it correctly. The next day another representative told me they were escalating and that the past two complaints were done wrong. I've called everyday this week and finally got it fixed, but it is too little too late. I was told if the scammers closed the account which is likely, I won't see a XXXX back. Had this been done correctly the first time, I may have had a chance to see some money back. Now its 5 days, and scammers are smart and the accounts are probably closed. I offered all sorts of documentation and BOA denied it all. Because of the negligence of Bank of America 's part, I am holding them responsible for the funds. I am demanding an account credit. Had your employees done their job correctly the first time, second, time or even fourth time I could have had my money back. I've been a loyal Bank of America customer for over 11 years and this is appalling. Each time I spoke to an agent the entire week, I offered entire conversations between me and the scammer to prove the scam. BOA agents declined. Friday XX/XX/2020 the supervisor finally gave me an email to send the entire conversations to them to expedite the process. This is a direct violation of UDAAP regulation. 
I want Bank of America to make right on what their employees messed up on. I was scammed, and each representative did the claims incorrectly which is causing me not to get the money back from 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 2021-09-01
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:
I recently went into XXXX XXXX  to purchase a mattress. While there, an employee offered to check what financing options existed. I was assured that they would just perform a soft pull that would not affect my credit ( I verified with the sales associate multiple times before proceeding ). After the employee was requiring me to verbally give more information than I was comfortable with in the store ( eg annual income ), I decided to pay for the mattress in full in the store. After the purchase, I confirmed again that there would only be a pre-qualification soft inquiry ( if any ) and that there would be no impact to my credit report or score. 

A few days later, I got notifications from both XXXX  and Experian that I opened a credit card with a XXXX limit. I did not consent to opening a credit card. Even if I moved forward with the mattress purchase, I was led to believe it would be through an installment loan. Once discovering this, I disputed it with both bureaus since I did not authorize a hard pull, much less actually opening an account ( I couldn't find a way to see if it were on my XXXX  report or dispute it through them ). Experian refused to remove the fraudulently opened account from my report. I haven't yet heard back from XXXX. 

I also tried calling the bank listed on my credit report, but they claimed they " couldn't verify my identity '' because I don't use a traditional carrier for my primary phone number.

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