BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Credit Bureaus XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX # XXXX Current address # XXXX Current employer Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. My current phone number is XXXX a. XXXX was stolen from me and is under police investigation by XXXX XXXX XXXX XXXX XXXX. 
2. My current address is XXXX XXXX XXXX, XXXX, XXXX  XXXX a. XXXX XXXX XXXX, XXXX, XXXX  XXXX was my previous address 3. My current employer is XXXX XXXX According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law.

Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX cell

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 2022-09-02
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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below and correct it in my file immediately : DEPTEDXXXX XXXX Balance Owed : {$6100.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Civil Lawsuit Case # XXXX ( KAB XXXXwith Knight Adjustment Bureau ( Not address give to me for company ) with Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. 

I reached out to Attorney XXXX ( Not admitting the debt was mine ) to submit information and work out a settlement. Knight Adjustment Bureau call agent with phone with # XXXX XXXX ( refuses to give name or ID number ) called me directly at XXXX XXXX my number is XXXX ). I have requested a copy of the phone conversation XXXX XXXX at Knight Adjustment Bureau refused to give me a copy of conversation ). Asked if I had an Attorney then when I said no said we don't have to give you any Information. I have requested from attorney XXXX and Knight Adjustment Bureau with agent to submit as evidence for this complaint ( not yet received ). XXXX XXXX refuses comply. Just because I am not represent by attorney does not mean I am not protested by the Laws of the US. 
The agent was abusive and degrading to the point of requesting ( even though my job has been closed until further notice ) to use my stimulus money to pay the debt. Then asked if my XXXX was willing to work ( XXXX job also closed XXXX. This type of disregard, htreats, abuse need to stop now. Agent violated the Consumer Rights act on Multiple occasions. Just because times are tough this illegal abuse can not continue ( Copy of conversation will be added as evidence once received ). 

The agent for Knight Adjustment Bureau then threatened additional lawsuit beyond what our current lawsuit states. XXXX stated if you don't pay today interest will continue to add up. I have been informed that Utah and Federal law prohibits threat of additional Interest/lawsuits if not paid today. Such threats are illegal and violate both federal and State laws. Creditors can not threat additional penalties beyond Lawsuits as Lilian at Knight Adjustment Bureau did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Credit Bureaus XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX # 2 Current address # 3 Current employer Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. My current phone number is XXXX a. XXXX was stolen from me and is under police investigation by XXXX XXXX XXXX XXXX XXXX. 
2. My current address is XXXX XXXX XXXX, XXXX, FL XXXX a. XXXX XXXX XXXX, XXXX, Florida XXXX was my previous address 3. My current employer is Blue Origin According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: BSI Financial Holdings, Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/2022 I receive notification from the XXXX program from my state that I was preliminarily approved for mortgage assistance. A portion of the email specifically states : Please note, however, that we can not issue final approval until your application has been verified by your mortgage company. Once approved, your servicer will receive the payment from SC XXXX on your behalf. 

Your mortgage servicer has been alerted to the next steps that they will need to take for us to send them payment for your account. 
I promptly notified the mortgage servicer and was told by my single point of contact XXXX XXXX that a certain department has not received any indication that I was approved for assistance. Each time I inquire about it I feel like I am getting the runaround. I offered to provide the phone number to the XXXX program, as provided in the email but that information seems to be avoided. I do not understand why it is so difficult for my mortgage application to be verified so that way the program could process the payment towards my delinquent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I noticed several fraudulent charges from the car rental service XXXX. I called TD Bank, alerted them to these charges, and it was dealt with immediately. I was issued a new card, and the charges were removed. On XX/XX/XXXX, charges totaling XXXX} were transferred back on to my new card ( as a balance transfer from TD bank, though my statement shows the charges are from XXXX ). On XX/XX/XXXX, this happened again ( totaling XXXX  ). I have since called numerous times and waited on hold several hours with no resolution. I have opened two separate investigations via TD bank, the most recent of which was closed XX/XX/XXXX with no resolution. One representative told me, " sometimes this happens, maybe you should call XXXX '' and offered me no other recourse. My most recent experience lead a representative to file another internal investigation to try and get some answers. 

From what I gather by piecing together varying information from these calls is that the balance transfer was simply to balance out a credit I had received for the original fraudulent charges. However, the charges to my card never posted because they were caught in time, and I never received nor needed to receive a credit for them. I have a letter from TD Bank stating that the charges never posted, and no action was needed to remove the charges. My statements from the past two months verify that I never received a credit, and it simply appears that XXXX charged my old card a total of XXXX. Unfortunately, TD Bank seems to have deemed this matter " closed '' and does not seem willing to investigate further ( pending the results of my last call ). I am not sure how to proceed to get these charges removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Eastern Account Systems of Connecticut, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I contacted Eastern Account Systems multiple times through phone calls and letters for a contract that this debt is my debt. I have not signed a contract with Eastern Account Systems. Easter Account Systems sent a bill summary from my doctor 's office. This is not a contract with my signature that I have a debt with Eastern Account, on the bill it has been written off which means Easter Accounts has paid a small amount for this debt to try to collect from me, which is we do not have a contract that states it is my debt. Additionally. I live in NC, Eastern account is not license to collect from me in NC. I have attached the bill with the NC address and I also have attached the states Eastern Accounts is license to work in. NC is not one which means they have not authority to even attempt to collect the debt, which once again I do not have a contract for or signed stating this is my debt. 

Additionally, XXXX deleted this collection account off my credit report and according to the law all credit agencies must report that same information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
After reinvestigation, this XXXX XXXX # XXXX **** was opened XX/XX/XXXX, and Closed on XX/XX/XXXX Pay Status Charged Off. As of XXXX Report dated XX/XX/XXXX. As of XX/XX/XXXX, This account has been reopened as an active account on my credit report with late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
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, XXXX XXXX, am submitting this complaint on behalf of myself without any assistance form third parties. I spoke with XXXX on the phone in response to their failure to properly report accurate information. They are not reporting 100 % accurate data as required by FCRA and are violating 15 USC 168s-2 ( b ). They did not conduct a proper reinvestigation with the furnishers of the information. I have also spoke to Navy Federal Credit Union and they told me different information than what they are reporting to the CRA 's. I told them it was inaccurate, they are now aware that there are errors on the consumer report, which is a violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). This inaccurate data has been damaging to my entire financial profile. I have been denied extensions of credit, car loans and business loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Account information incorrect

Complaint:
XX/XX/2021 I started to receive statements from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  and XXXX which were not my accounts. Theses were all fraudulent charges made without my knowledge. All creditors have been notified

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 2022-08-23
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # 's XXXX & XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.

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