BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-09-06
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH BANK OF AMERICA VIA A CREDIT APPLICATION WHERE BANK OF AMERICA UNDER TRUTH IN LENDING IS REQUIRED AND OBLIGATED PREHAND TO PROVIDE TO ME THE CONSUMER WITH CERTAIN DISCLOSURES AND RIGHTS ( 1 ) BEING THE CONSPICUOUS OPPORTUNITY TO EXERCISE MY RIGHT TO OPT OUT OF MY CONSUMER INFORMATION BEING REPORTED TO THE CRA 's OR ATLEAST DIRECT THE MANNER IN WHICH THE INFORMATION IS REPORTED UNDER 15 USC 6802. UNDER 15 USC 6801 BANK OF AMERICA HAS A DUTY TO PROTECT THE CONFIDENTIALLITY OF MY PRIVATE CONSUMER INFORMATION, NOT WILLFULLY REPORTED TO NON-AFFILIATED THIRD PARTIES LIKE THE CRA 's. nOTICE IT IS FACT THE CRA 's LIKE XXXX, XXXX AND XXXX ARE NON AFILLIATED PARTIES BECAUSE THEY HAVE NO JOINT OWNERSHIP IN BETWEEN ONE ANOTHER AND WERE NOT PART OF THE CONSUMER CREDIT TRANSACTION BETWEEN I AND BANK OF AMERICA. NOTICE IT IS FACT BANK OF AMERICA AT THE TIME OF THE CREDIT APPLICATION FAILED TO INFORM ME OF MY FEDERAL RIGHT TO RECIND MY CREDIT APPLICATION WITHIN 3 DAYS OF APPLICATION WHICH IS FRAUD AND MISLEADING THE CONSUMER INTO GIVING UP THEIR EXTENDED CREDIT WITHOUT PROPER DISCLOSURES AS REQUIRED UNDER TILA. NOTICE IT IS FACT THERE IS " NO STATUE OF LIMITATION ON FRAUD '' AND UNDER TILA THE DEADLINE FOR RECESSION IS EXTENDED TO 3 YEARS. BANK OF AMERICA HAS OBTAINED SECURITIES ON MY BEHALF VIA MY CREDIT CARD AND CREDIT APPLICATION WHICH WAS CREATED FOR THE SOLE PURPOSE OF EXTENSION OF CREDIT IN COMMERECE WITHIN THE FEDERAL BANKING SYSTEM AND HAS FAILED IN ITS TRUST AND FIDUCIARY DUTIES AND HAS DISCRIMINATED AGAINST ME DENYING ME A FEDERAL RIGHT BY FRAUDULANTLY SHUTTING DOWN MY ACCOUNTS AND NOT RETURNING TO MY MY CREDIT APPLICATION. UNDER TRUTH IN LENDING AND THE FACT THAT THERE IS NO STATUE OF LIMITATION FOR FRAUD I EXERCISE MY RIGHT TO RECESSION AND DEMAND BANK OF AMERICA TO RETURN BACK TO ME MY ASSET/SECURITY AND " ORIGINAL '' CREDIT APPLICATION AND A FAILURE TO DO SO WILL NOW ALSO BE A DIRECT VIOLATION OF TRUTH IN LENDING TO WHICH BANK OF AMERICA WILL BE HELD LIABLE FOR AS WELL AS ALL ITS PREVIOUS VIOLATIONS IN LITIGIATION

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 2023-09-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have been in my home 20 plus years and it was a Conventional loan backed by XXXX XXXX in XXXX. I pay PITA monthly and my interest rate is XXXX fixed. I am on XXXX so I am on the Homestead exemption act for my taxes. The taxes decreased in XXXX to {$1700.00} per year, current on taxes and monthly payments! My homeowners insurance I recently changed to XXXX XXXX and it is decreased now to {$890.00} per year. I paid {$800.00} on XX/XX/XXXX to the escrow account which will sit there! I was told I am short of the escrow shortage {$2300.00} - XXXX paid = {$1500.00} left to pay which they will increase my monthly payment by {$190.00}. They will not connect me to an escrow agent, they told me they will mail out an application to modify the loan? I thought escrow means the monthly mortgage payment that I am paying already should be set up in a third party escrow account and that would pay my taxes! The explanation I was given is because mortgage co had to pay the difference when escrow was short for people who are on XXXX like myself, so the federal government is now requiring the next year to be paid in advance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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: Their investigation did not fix an error on your report

Complaint:
I disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XXXX of 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
It is saying to many number of accounts with delinquency and serious delinquency I was late on a school loan years ago It should be off by now

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 2023-12-27
Company: M&T BANK CORPORATION
State: DC
Product: Credit reporting 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:
My M & T Bank Credit Card is listed with the Credit Bureaus without a status, limit, balance, or payment history. I filed a dispute with XXXX and they closed the dispute stating that the company had updated the account ; however, nothing has changed.

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 2023-09-29
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I am adding a small parcel of land behind my existing property. I am NOT borrowing any additional money. I just need a signature on the plat for the city acknowledging that the mortgage holder is aware that I have added the land. Mr. Cooper/Nationstar Mortgage has thrown road block after road block up and will not sign. They have asked for an appraisal of my property without the land, an appraisal of the property with the land, value of the land, a title search, a hazardous material study, a survey with old property description and new property description, letter of intent from the borrower ( I am not borrowing money ) and a copy of the purchase agreement. All of this to add land to my existing property with which the mortgage company will hold as additional collateral. To top it off the current owner is essentially giving me the land at the cost of a survey and closing costs. They don't have access to the land and I have need maintaining it for years. They are being so nice and I can not act because Mr Cooper/Nationstar won't sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No my debt they should take the business to collection not me it is an XXXX company t

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: R.A.Rogers, Inc.
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:
My identity got stolen around 6 years ago from my car with my wallet I am disputing the following fraudulent accounts that are not mine these accounts are fraud R.A. ROGERS INC COLLECTION ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ACCOUNT # XXXX AND OPENED AROUND THE YEAR 2016 I am a victim of identity theft and I never opened THIS account again I am a victim of identity theft and i never opened this account its fraud. I am a victim of identity theft and this account is not mine. Fraudulent address XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NC
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:
I recently reviewed a copy of my credit report. I was shocked to learn that 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 significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was shocked when I reviewed my credit report and found third party collection which definitely an identity theft and late payments from XXXX while everything was OK on Equifax on my US DEPT ED and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
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: Personal information incorrect

Complaint:
I would like to emphasize that these addresses and names are unfamiliar to me, and I have never resided at any of the mentioned addresses. Therefore, I request that you promptly investigate this matter and remove these inaccurate details from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you provide. Please note that the presence of incorrect addresses and names on my credit report can potentially harm my creditworthiness and hinder my ability to obtain credit or financial services. The only address i would like on my credit report is XXXX XXXX XXXX XXXX XXXX, tx XXXX kindly request that you initiate an investigation into the inaccurate information and take appropriate action to rectify the issue. Furthermore, I would appreciate receiving a written confirmation once the incorrect addresses and names have been removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX ) and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 2 ) bureaus to remove the lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: WI
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:
It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it's actually you who are the actual furnisher and this account is reporting inaccurately. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from my credit report entirely for false reporting!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company have not contacted me about any debt or collection. I see that they are collecting for a apartment complex. I did not give this collection agency permission or authorization to put anything on my credit. Since i didn't get anything that verified i owe this debt i am asking for this collection to be return back to the original creditor so i can handle it with them. I am asking the collection agency to send me proof that i gave them consent to put this on my credit. I am asking the collection agency to show me a signed agreement that i have with them not the original creditor. Once again i am asking this collection agency to remove this collection off of my credit report and to give it back to the original creditor that gave them the debt. I am not working with a debtor who bought my debt. Once again i am asking the collection agency to show me a signed contract between me and the collection agency not me and the 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 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$9600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-12
Company: EQUIFAX, INC.
State: CA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$25000.00}

Company response to consumer: Closed with non-monetary relief