BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXX/XX/XXXXXXXX Balance Owed : {$12000.00} ; XX/XX/XXXX XXXX Balance Owed : {$35000.00} ; XX/XX/XXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance XXXX : {$8700.00} ;XX/XX/XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8700.00} ; XX/XX/XXXXXXXX Balance Owed : {$910.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MS XXXX, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX Account XXXX : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXXXXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX  Account # : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 U.S Code 1692e 10_ False or Misleading Representations Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The Following accounts were all included in identity theft claims that I have already expressed to each company listed. Pursuant to 15 USC 1681c-2 the consumer reporting agency ( Transunion, XXXX and XXXX ) shall block the reporting of any information in the file of a consumer that the consumer ( ME ) identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 1. appropriate proof of identity ( I have provided all identifying information with this report to identify myself to these companies 2. copy of identity theft report ( I have attached for your records ) 3. identification of such item by consumer ( this is my third and final time identifying that there is an issue that has not been resolved with removing these inaccurate items.

4. a statement by the consumer ( This serves as my statement that none of the below accounts are related to any transaction by myself ). 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX By law these accounts sitting on my consumer report any longer are a violation of FEDERAL Laws. I am a litigious consumer and will go to the full extent of the law to make sure my consumer report reflects complete and accurate information. This is my last and final attempt to remedy this situation before I file a petition to sue.

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 2017-03-06
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I have a mortgage that is being serviced by Nationstar Mortgage. I tendered my deed in lieu of foreclosure back in XX/XX/XXXX and was told to move out of my house by XX/XX/XXXX. Shortly before the XX/XX/XXXX date I was informed by my contact person there that there was a problem with a " power of attorney '' that was delaying the closing of the transfer. After more inquiry I learned that Nationstar alleged that they did not have all the documents necessary to have an interest in the property since XXXX, the former servicer of the debt, had not sent in all the proper paperwork in XX/XX/XXXX or so. This " delay '' has continued since. I was informed via letter received XXXX ( although dated XX/XX/XXXX ) that matters would proceed to a closing in early XX/XX/XXXX. I again hustled to move the remainder of my items out of my old house to meet the deadline when I was informed by another letter that things had been pushed back to XX/XX/XXXX, then subsequent identical letters to XX/XX/XXXX and then XX/XX/XXXX. I made contact with XXXX in the Fall of XX/XX/XXXX and they informed me that they had completed all the paperwork and there was no problem from their end. I examined the chain of title to my property, and I found that Nationstar did not have a recorded interest in the property from XXXX to them. They did have a recorded transfer from Nationstar to XXXX in the Fall of XX/XX/XXXX. Coincidentally, XXXX filed their transfer from a prior servicer, XXXX, in the XXXX of XX/XX/XXXX, but the actual transfer took place in XX/XX/XXXX. I am upset that I have been paying Nationstar since XX/XX/XXXX and they do not have any proveable interest in my mortgage, and still do not have XXXX to this day. They apparently transferred whatever interest away in XX/XX/XXXX, but have failed to disclose that to me. Consequently due to the delay I have incurred multiple moving bills, had to maintain utilities on XXXX locations, and lost my original house that I was moving to to an arson fire because I could not move in to secure it. My phone contact person at Nationstar told me that the original letters indicating the need to vacate by XXXX and then XXXX were not sent from her office, but by another Department at Nationstar. Incidentally, I was on the verge of filing to participate in the national settlement that XXXX had entered into about these mortgage loans when they abruptly informed me that they transferred my servicing to Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-11-15
Company: Block, Inc.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a notification of an ATM withdrawal for {$1000.00} from my Cash App card. This was a fraudulent transaction and I notified Cash App immediately so they could cancel the card. I submitted a dispute, however, after only 2 days I received an email saying my claim had been denied. The email ( attached ) said that I can request the documentation used to make the decision. The link just pointed to a page where you can chat with support. So, I requested the documentation used. However, every time I requested the documentation they only sent me a summary of the transaction ( attached ). 
I requested this multiple times over several days from the support chat. Today ( XX/XX/XXXX ) I tried call and when I finally reached a rep they assured me they would get the documentation. They send me the exact same document which listed only a summary of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Asset Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed this debt in the amount of {$890.00} being reported on all 3 credit reports. I disputed the information with XXXX as this agency is used to pull with potential future lenders. In any event I am NOT responsible for this debt owed as it is due to identity theft. XXXX XXXX XXXX XXXX responded to my dispute by USPS mail on XXXX XXXX. XXXX and requested I send over a filed theft report online at XXXX. This has been completed and the reference # is XXXX... this report can be viewed at any time.I also filed a police report regarding this matter. I then noticed that this account has ben transferred to XXXX XXXX XXXX. A debt collection agency. I spoke with a representive today at this aw firm that indicated that my account was sent to them on XXXX from th merchant. XXXX XXXX XXXX  then sent this account over to ASSET RECOVERY SOLUTIONS a sister company to them as a debt collection attempt. AGAIN I DO NOT OWE ANY DEBT FROM THIS CREDIT CARD COMPANY> I ave been a victim of identity theft since XXXX. Someone stold my wallet from my purse and gained access to all my personal information including my CA ID my social security card, banking information etc. This agency DID NOT PROTECT MY IDENTITY. I am asking that you REMOVE THIS DEBT ACCOUNT AS IT IS FRADULENT. I have contacted ASSET RECOVERY SOLUTIONS TODAY the account # XXXX. Please do right and remove this account from reporting debt that i do NOT OWE from XXXX XXXX and XXXX. Thank you. Feel Free to contact me at XXXX or email me back at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I 'm a Dodd-Frank Wall Street Reform Act participant. I watched the Federal Bill since XX/XX/XXXX as signed by President Obama. My EHLP # XXXX. I 've requested a number of updates to XXXX County Judicial Court from the Federal government including my last request for legal assistance to remove a Judicial Court Judgement. I submitted under the following CFPB complaint # XXXX from the VA location at XXXX XXXX XXXX, XXXX, MN XXXX. However, after further review, allegedly CFPB assigned a file # of XXXX. I know my XXXX. Please check both CFPB files. 

I was XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX address of my Federal/District Court Briefcase dated XX/XX/XXXX which included my CFPB user ID & password. Can you contact my email on file or telephone XXXX with password? CFPB staff wo n't allow me to access a critical Judicial Court file without an accurate User ID & & & password. Please email reply with a password change " authorization code ''??? 

These District Court Judgements which amounted to $ 20,000+ which prevented my ability to sell my home at XXXX XXXX XXXX XXXX, XXXX , MN XXXX for a reasonable equity profit. I must ask CFPB legal to intervene, & contact XXXX County District Court Administration to remove XXXX and XXXX from my credit bureau record and XXXX County District Court records. I WILL PROSECUTE entities who obstructed Federal Court decisions against XXXX credit card abuses as adjudicated by CFPB Court decisions. Please reply with my assigned password assigned to either XXXX or XXXX? 
Email XXXXXXXXXXXX & XXXXXXXXXXXX - I will seek Federal Court remedy!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am submitting my complain again for you to notify about the fraudulent items that are still reporting on my credit file. It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following items should be deleted right away : XXXXXXXX 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 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 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

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 2021-07-11
Company: Abrahamsen Ratchford, P.C
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RATCHFORD LAW CONTINUES TO VIOLATE MY CONSUMER RIGHTS AND I WILL BE SUEING THIS COMPANY. AS I STATED IN MY FIRST COMPLAINT, THIS COMPANY DID INDEED COME TO MY HOME WHICH I HAVE A RING CAMERA THAT HAS VIDEO FOOTAGE. I AM ALSO AWARE THAT A DEBT RATCHFORD LAW GROUP IS INDEED A DEBT COLLECTOR AND NOT LAWYERS WHICH IS FALSE REPRESENTATION WHICH IS A VIOLATION OF 15 US 1692E.

ALSO IF NO ONE FROM THIS OFFICE WAS AT MY RESIDENCE THAT MEANS, YOUR WORDS AND RESPONSE ARE NOT VALID AND YOU ARE GOING OFF OF ASSUMPTIONS WHICH IS INDEED A VIOLATION OF 15 US 1692G.

PAYMENTS WERE MADE TO THIS COMPNAY AND YOU CAN EITHER REPAY ME 2X OF WHAT WAS PAID OR YOU CAN CEASE COLLECTION AND REMOVE MY INFORMATION FROM YOUR DATABASE. THIS DEBT WAS NEVER VALIDATED FOR YOU TO EVEEN SERVE ME PAPERS OR TO EVEN COLLECT A DEBT WHICH IS ALSO A VIOLATION OF 15 US 1692G. I HAVE 30 DAYS TO DISPUTE A COLLECTION WHICH I WAS NOT GIVEN THE OPPORTUNITY TO. 

PLEASE FIND ATTACHED MY AFFIDAVIT OF TRUTH ATTACHED WHICH I AM THE CONSUMER AND ORIGINAL CREDITOR.

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 2022-06-15
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  Account Number : 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 2022-02-15
Company: EQUIFAX, 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, I sent a letter via certified mail asking Equifax to verify their method of verification for the XXXX XXXX Bankruptcy that they are reporting on my credit report. They responded with a credit report cover letter dated XX/XX/XXXX stating that the data furnisher XXXX XXXX had verified the reported information as reporting correctly. However, on XX/XX/XXXX, I received an updated copy of my report from XXXX XXXX and a cover letter stating they had removed the Chapter XXXX Bankruptcy from my credit file. On XX/XX/XXXX, I wrote a letter yet again to Equifax via certified mail explaining to them that XXXX XXXX had removed such error. I provided documentation to them from XXXX XXXX, the letter from the Bankruptcy court stating they do not provide that information to any credit reporting agencies yet they still did not acknowledge the additional documentation provided. On XX/XX/XXXX, I received another response from Equifax with the exact same Information stating they had verified the information from the data furnisher XXXX XXXX. To add to this complaint, i filed a complaint with you back in XXXX regarding this same matter. Equifax responded to you that they had removed the Bankruptcy case ending in 1040 and that written confirmation would be sent to me within 7-10 business days. That never happened and here we are again with further proof of no verification yet they are still allowed to continue reporting such. 
You all have not assisted with this matter in any way to gain a resolution. I am no longer doing this with either of you and my next plan of action is to file a complaint with the FTC. I have attached all documentation and hope to get a resolution soon.

Company response to consumer: Closed with explanation