BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX i sent multiple letters regarding misleading/inaccurate and unauthorized items on my credit report. Til this day, nearly 45 days later i have not received a response. I feel like im being taken advantage of and ignored. Sec 611 ( a ) states failure to investigate within 30 days gives reason for removal. Its been 45 days and they should be deleted immediately. If these misleading items aren't deleted promptly i will be taking litigation. 

In my XXXX dispute i asked for proof of the alleged debt with proof of signature of me authorizing this debt. I have yet to receive a response I disputed inquires XXXX & XXXX by certified mail letter dated XXXX. I received a response stating that these items aren't on my Equifax profile. However these misleading/unauthorized items still show my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I received a notification from ERC, a debt collection company. They violated my right to privacy ( 15 USC 1681a ( 4 ) when they received my location information from XXXX XXXX regarding an account that was opened as a result of identity theft. ERC further violated 15 USC 1692e by demanding payment for an alleged debt in a positive status and violated 15 USC 1692b by stating an alleged debt was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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:
I have reviewed my credit profile and I believe the following accounts are not reporting accurately.

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 2022-08-01
Company: EQUIFAX, 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Johnson, Blumberg & Associates, LLC
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In violation of the Fair Debt Collection Practices Act, Attorney XXXX XXXX XXXX, Johnson, Blumberg Associates, LLC filed the attached Notice of Sheriff Sale XX/XX/2022, and caused the same to be served on my wife and I, who hold a deed to the property with stating the Judgment to be satisfied, in violation of the FDCPA. Upon receiving notice of the sheriff 's sale, I immediately contacted Johnson, Blumberg Associates, LLC and spoke to an employee that identified herself as : XXXX. I explained the Notice of Sheriff Sale did not list the Judgment to be satisfied. She stated she would have that amount emailed to me that day or at the latest the next day, XXXX  XX/XX/2022. It was never emailed. This violates the FDCPA. Further, for years the mortgage holder servicer ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  ; and the mortgage holder : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEEE FOR CERTIFICATEHOLDERS XXXX XXXX, ASSET-BACKED CERTIFICATE, SERIES XXXX, has repeatedly failed to comply with federal after we have received written authorization from their client and he also gave verbal authorization to the servicer who gave us a quit claim deed to stand in his shoes to pay off his mortgage so we can clear the stain on the title. 15 U.S. Code 1639g, states : - Requests for payoff amounts of home loan. A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower. In fact the attorneys for the XXXX XXXX XXXX XXXX and its servicer, XXXX, Attorney XXXX XXXX, XXXX XXXX XXXX and Attorney XXXX XXXX, have mislead courts on a material factual matter, to wit : they in fact had the required authorization to provide a payoff letter, whether for use in an assumption or for the Plaintiff to get an outside loan, and made a material misstatement of fact that they could not provide a pay off letter. This violates federal law as shown above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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:
I XXXX XXXX am a natural person and a consumer of the US. I recently reviewed a copy of my consumer report and noticed unauthorized inquiries. The fact that these inquiries are reporting is identity theft and fraud. Attached to this complanit is a letter and identity theft report sent to Experian to block and removed these unauthorized inquiries.

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 2023-11-10
Company: Collection Management Holdings, LLC
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/23 XXXX ID security alert/ XXXX XXXX XXXX : Fraudulent application may be submitted in or my identity may have been used without my consent to fraudulently obtain goods or services. Someone write " I am XXXX XXXX XXXX XXXX XXXX do not extend credit without first verifying the identity of the applicant. I can be reached at XXXX XXXX XXXX .this alert will be maintained on file for 1 year beginning XX/XX/23. 
They used my name, and my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: FORD MOTOR CREDIT CO.
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:
I have a loan with FORD MOTOR CREDIT and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FORD MOTOR CREDIT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and FORD MOTOR CREDIT with no successful resolution. XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Prince Parker & Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from Prince Parker and Associates who is attempting to collect a debt from XXXX XXXX. I have paid XXXX in full when I cancelled my service, but they continued to try to bill me after cancellation, which is what they are attempting to collect on. Prince Parker did not have a right to dispute notice. Despite this, I did send a notice of dispute, along with proof where an XXXX associate stated I will be fully refunded for the amount they were trying to collect from me when I didn't have or use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: OneMain Finance Corporation
State: IL
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:
On my credit report there are multiple errors reporting from the company ONE MAIN financial. One being that the account has been charged off in XX/XX/XXXX with two different balances one balance of {$4000.00} reported to XXXX & XXXX & {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX reports XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX & XXXX  where the last payment with XXXX is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: NY
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:
I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: LA
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:
Still having difficulties with Experian!! I call every day and get the same answer. call back in 24 hours. I have let them know I am victim of identity theft, and the thief has logged in and changed my secret passwords and used a new id. Every day since this happened, I have tried to gain access to my account. I get told every day to upload forms and I call back every day after I try to upload forms. When uploading forms, it gives error message. I have tried on numerous devices and used numerous browsers to send but it will not upload. I was told by XXXX on XXXX and she said its not her issue if the upload want work. 
XXXX talked to XXXX, XXXX spoke to XXXX, XXXX, XXXX spoke to XXXX and XXXX XXXX spoke to XXXX I can not even upload my police report. Ever time you try to upload something the error message comes up and states no file chosen even though one was chosen. I have also on multiple occasions told them the username has been changed. No one will help me and I am trying to prevent more damage to my credit. Only sending 2 uploads but hvae many more with different days and times

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 non-monetary relief
Consumer complaint received 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Bank Of America absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, 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 explanation
Consumer complaint received 2021-05-18
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A home equity loan came due in XX/XX/XXXX. Tried to settle with the bank which purchased the orginal loan from XXXX XXXX XXXX XXXX XXXX went under ). When into the bank in XXXX, Ca. talked to two sells rep and one manager to try and settle it with another loan, denied. Then the calls started apx XX/XX/XXXX to my office XXXX XXXX XXXX. I asked not to call me at this number due to it being a work number, failed. They kept calling 3-4 times a day then added a rebo call to the person calling. Went on for several months XXXX XXXX XXXX. during the last month or so I received a letter asking to settle for have of the amount. I was thinking it over and checking my finances. Then I got another robo call and then a person call XXXX XXXX XXXX. That told me that the left hand was not talking to the right. Now served with a court date I'm trying to get a loan to pay the amount. But found out that they put a Charge Off on the credit which makes it hard. But they are showing two amounts which one is the full amount owed and the other for a couple hundred more. A charge off is stated for amount settled for which is lower than what is owed. I tried to contact the company ( us bank ) one by u.s.mail and the other by fax. To this date no response.

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 2021-05-18
Company: Holloway Credit Solutions
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX called XXXX university  to have XXXX transcripts sent. Was told by the university that my debt has been settled and sold to Halloway Collections. Called Halloway and they changed the fees and impersonated a school official stating I wasn't able to get transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion has inaccurate data on my report partially from their own mistakes and the other from XXXX XXXX for reporting a payment late that was not. 

Transunion 's Dispute System is broken and twice charged be {$27.00} without warning for a dispute system that failed to generate a dispute. Telephone calls to Transunion were fruitless with significant language barriers. Customer service represents verbally said they would file the dispute but none ever was filed and I never received feedback. 

Dispute attempts were made on XX/XX/2021 and XX/XX/2021 but no results yet I was charged both times. 

Transunion also has telephone security inadequacies and would not put a password on my account as I requested. Authentication is minimal to telephone access my information. 

XXXX reported inaccurate information 5 years ago and Transunion does not recognize all the inconsistencies in the report. This is the ONLY detrimental report ever on my long credit history.

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 monetary relief
Consumer complaint received 2021-10-30
Company: Early Warning Services, LLC
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Whenever I try to open an account they tell me no because I bank a company reported Fraud and I never fraud I don't know if someone uses my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: UT
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:
While applying for a Mortgage Loan I discovered a significant amount of accounts, charges, inquiries, and negative reports on all three of the credit reporting agencies ' credit reports. I immediately began disputing the errors and followed the proper procedures in getting all the disputed items cleared from my report. I have been only slightly successful and getting the matter cleared up. I have filed a FTC identity theft report and sent certified copies to each reporting agency along with some creditors and have closely monitored my own reports watching for changes. I have received several letters for XXXX, Equifax, and XXXX using stall tactics in the correspondence stating they are unable to clear up the matters with statements like my documents were blurry or unclear, or the accounts have been validated etc. When asked to provide evidence of how they validated, I've received nothing and its been over 30+ days since sending the request. 
I feel like my legal rights have now been violated and their lack of response accordingly is now costing me several thousand dollars since im unable to obtain adequate housing and remain homeless due to low credit scores caused solely from the identity theft keeping me from gaining a mortgage. Due to the severity of the damage, its causing I want the agency held accountable for the violation of my rights and this report is only one way I plan to seek justice. I have the intent of also filing lawsuits of all parties involved including reporting agencies, credit collectors, and credit debtors and all other parties involved. 
I am hopeful this report will encourage the reporting agency to comply with the rules and laws and update my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX a certified dispute letter was sent to Transunion LLC Credit Bureau XXXX XXXX, XXXX PA XXXX, regarding public record XXXX. The public record was not marked, " disputed by consumer '' which violates section 611 of the FCRA and is not accurate in reporting which violates Bankruptcy Law. 

On XXXX a certified dispute letter was sent again to Transunion Credit Bureau XXXX XXXX XXXX PA XXXX, for disputes reasons 1 ). the public record XXXX failed to contain the city and the state which violates the Bankruptcy law and the FCRA. 2 ) The public record continues to report inaccurate information and does not reflect it has been disputed by consumer which is my legal right as a consumer and citizen.

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