BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
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 .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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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:
Hi I am submitting this XXXX 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 .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 2022-06-08
Company: EQUIFAX, INC.
State: TN
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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE INQUIRIES FROM THE FOLLOWING CREDITORS 1XXXX 2.XXXX XXXX  3XXXX XXXX 4.XXXX XXXX 5.XXXX  XXXX 7XXXX XXXX 8.XXXX  9.XXXX/XXXX  10.XXXX 11.XXXX XXXX 12.XXXX  DBA XXXX  13.XXXX XXXX XXXX  14.XXXX 15XXXX XXXX  XXXX 16.XXXX XXXX 17XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: WA
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 have disputed this before with Equifax it has not been removed as recent as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'm filing a complaint to let Equifax know that LITIGATION IS PENDING if these items are not immediately removed. My attorney advised me that we can seek damages of {$1000.00} per violation, according to the FCRA. On XX/XX/2022 Equifax received a letter I sent regarding inaccurate and unknown items on my credit report. Over 30 days went by and I never received a response! I feel like I have been taken advantage of, and my disputes are being deliberately ignored. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives reason to immediately delete these items from my credit report! Clearly they violated my rights because 30 days went by with no response. These items need removed immediately or we will pursue litigation due to the immense stress Equifax has caused me, and their continual violation of my rights! Equifax also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) - The credit bureaus are supposed to complete the investigation before the expiration of the period under Section 611 ( a ) ( 1 ). ACCOUNTS : XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX Account XXXX XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. ( ACCOUNT NAME NOT EVEN LISTED ) Account # XXXX, has violated my rights. I will attach the tracking number below, along with my dispute letter that I've sent to Equifax to try and rectify the situation, you can clearly see they have been violating my rights, and have failed to do a proper independent investigation as required per the FCRA. These accounts need deleted immediately. They didn't complete their investigation, or respond, within the 30 day period AS REQUIRED BY LAW! Also filing complaints with Attorney Generals Office, & XXXX. Tracking # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I HAVE CONTACTED EXPERIAN-XXXX-XXXX  CREDIT REPORTING AGENCIES . ALL 3 CREDIT REPORTING AGENCIES TELLS ME I HAVE NO FREEZES, FRAUD ALERTS OR LOCKS ON MY CREDIT REPORT. MY ACCOUNT ONLINE WITH ALL 3 CREDIT REPORTING AGENCIES TELLS ME THE SAME THING : NO FREEZES, FRAUD ALERTS OR LOCKS. WHEN MY BANK TRIES TO RUN A CREDIT REPORT FROM ALL 3 CREDIT REPORTING AGENCIES, IT STATES ON THE BANK 'S SIDE : XXXXFILE FROZEN DUE TO FEDERAL LEGISLATION. THE BANK HAS RUN THE REPORT FOR 7 DAYS STRAIGHT AND THEY ARE GETTING THE SAME ANSWER. I AM TRYING TO GET MY LOAN FOR A LOT. I NEED HELP PLEASE

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 2023-10-11
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-06
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My spouse and I closed on our house XX/XX/XXXX and the loan servicing was transferred to Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. 

At closing ( XX/XX/XXXX ), we paid XXXX  months of property taxes, {$6600.00}. This should have been for our XX/XX/XXXX tax payment and to fund our escrow account. 

SLS was responsible for paying property taxes out of our escrow account in XX/XX/XXXX ( XXXX mths ) and XXXX of XXXX ( XXXX mths ), but did not pay the taxes on time, total missed payments for XXXX of {$11000.00}. 

As of XX/XX/XXXX, SLS was holding XXXX months of property taxes and still had not paid the XX/XX/XXXX & XX/XX/XXXX tax bills. This violates federal lending laws. 

In XX/XX/XXXX, SLS inexplicably issued a {$4100.00} refund to my spouse as if there was an overage in our escrow. This was only due to taxes not being paid at all in XXXX. 

On XX/XX/XXXX, SLS paid XXXX XXXX {$5500.00} for the XXXX XXXX half taxes and another {$5500.00} for the XXXX XXXX half taxes. 

Then, in XX/XX/XXXX and XX/XX/XXXX, SLS shows they paid {$4800.00} for our property tax payments, an amount that was short by {$750.00} each time. 

But, XXXX XXXX 's records indicate that {$5600.00} was received in both of those months, which indicates a cumulative {$1500.00} accounting discrepancy from SLS 's transaction history. 

In XX/XX/XXXX, SLS sent an escrow shortage letter showing a - {$5400.00} negative escrow balance with a {$2100.00} required minimum, and a {$7600.00} total escrow shortage. 

SLS then notified us of a $ XXXX escrow shortage to be added on to our regular mortgage payments for XXXX  months, to make up for their ongoing mishandling of our escrow account. 

SLS is responsible for the missed payments and massive discrepancies in our escrow balance resulting in the {$780.00} a month shortage. 

SLS at no point provided any communication regarding missed payments in XXXX or that the balance therefore was severely different than the escrow analysis provided. 

I called them to discuss the shortage in XX/XX/XXXX and they did not notify me of missed payments on their behalf. 

Last week, I returned their call and notified them that I intend to file a dispute. They logged the call in their system with a note that I understood and agreed to the shortage amount. 

After XXXX  months, our taxes have never been paid correctly nor has SLS accounted for our escrow funds correctly. 

They continually stonewall us and do not tell the truth. Attached please find the documentation from XXXX XXXX and SLS.

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 2022-06-08
Company: EQUIFAX, INC.
State: LA
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 Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXXXXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX ), Account Number XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXXXXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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 called the 3 Credit Bureaus after I purchased a credit report from XXXX XXXX XXXX XXXXXX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Fraudulent Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, A XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, Unverifiable Addresses : XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and Erroneous Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance {$840.00}, XXXX XXXX XXXX Balance {$920.00}, and XXXX XXXX XXXX XXXX Balance {$20000.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by 3 Credit Bureaus not blocking these accounts is inadvertently resulting in me being extorted.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: CO
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, and 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 XXXX : 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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 'Personal Loan ' for 'Transportation/Vehicle ' ( NOT CONSIDERED ) Due to 'Credit Reprt ' ( VICTIM OF FRAUD SINCE XXXX ) US DEPARTMENT OF TREASURY ( IRS WHISTLEBLOWER OFFICE ) Reference Claim Numbers : XXXX, XXXX, XXXX, XXXX ( Dated XX/XX/XXXX ) Based on Previous ( Consumer Financial Protection Agency NON-ACTION )

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 2022-06-08
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two. One is for XXXX and the other XXXX and no clue what its for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: TN
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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX 2.XXXX XXXX 3.XXXX XXXX 4XXXX XXXX 5.XXXX XXXX 6.XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this complaint is for an unauthorized ACH withdrawal from the HOA 's checking account with Bank of America. 

XX/XX/2021 XXXX XXXX  unauthorized withdrawal of {$500.00}. 

I opened a claim with Bank of America and on XX/XX/2021 received an email from them denying the claim on the grounds that the checking account has a contract with XXXX XXXX XXXX. As evidence, BoA provided a form titled " ACH debit authorization '' with the HOA 's information on it, with a space for the signature. The form is unsigned. No one in our organization has authorized this debit or even knows what XXXX XXXX XXXX is.

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 2022-07-28
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am Federally Protected Consumer and I have strong reason to believe my consumer rights have been violated. SYNCB/JCPENNEY closed my account in XX/XX/2020 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe that they have violated me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/JCPENNEY never informed me of my rights. SYNCB/JCPENNEY has the obligation to correct this action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX. I tried to explain multiple times to SYNCB/JC PENNEY what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number " I EXTEND CREDIT '' and it is my right to operate in commerce. Does SYNCB/JCPENNEY know what happens when penalties for not complying with the ECOA? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. By SYNCB/JCPENNEY closing my account without any lawful or legal notice it appears they denied me extension credit in this transaction they also damaged my credit worthiness, because due to XXXX SCORING closed accounts drop your credit score and you lose time of age on the account that is what happened on my consumer reports I lost very important data points. I never was late, the account was paid in full. I'm just trying to make it clear that I have strong reason to believe under ECOA it appears Violations occurred and something needs to be done about it SYCB/JCPENNEY needs to make this right with me the consumer. And there is no Law that states a " a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally, or lawfully can not state that either. I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the Violating of Consumer Rights that are going on.

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