BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: AZ
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 sent a certified request to Equifax on XX/XX/XXXX23 to report an inaccuracy being presented on my consumer report. I requested to have this account ( XXXX XXXX XXXX ) removed because the account does not belong to me. Further, XXXX XXXX XXXX violated the FDCPA rule 809 since I was not notified in writing prior to this alleged debt being reported on my consumer report. In the past, Equifax has required me ( the owner of the consumer report ) to provide personal information and explain ( prove ) why this alleged debt/account does not belong to me. However, the entity ( XXXX XXXX XXXX ) was not required to provide any information whatsoever to prove the validity/accuracy of this alleged debt. Why do I ( the consumer ) have to prove why an account that was never validated DOES NOT belong to me when the entity is not required to do the same prior to reporting the account on my consumer report. The verifying documents that are being requested of Equifax ( from me ) have already been provided on numerous occasions via certified mail. I have attached these documents for review. Where are these documents being stored and why am I continually having to provide them when I identify an inaccuracy on my account. It seems that the credit bureaus are more supportive of reporting inaccurate information without any validation as opposed to recognizing an inaccuracy identified by the consumer and removing that inaccuracy in accordance with Fair Credit Reporting Act and FDCPA rule 809, Validation of Debt requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: CITIZENS FINANCIAL GROUP, 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 was notified when opening a bank account that I had a loan with this company. I tried calling but the company was very rude and told me I had to open the account. I never opened a account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX XXXX XXXX XXXX XXXX XXXX  Ive reach out to both equifax and XXXX in regards to inquiries that I did not authorize in my credit report. Both via phone and Us Mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They made contact XX/XX/2021. I sent them a certified letter XX/XX/2021 to verify debt. They have not responded at all, have not removed the debt, and they are just tried to contact me. I answered, they hung up. The only reason I knew it was them is because I called back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NC
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:
Tried to have the following accounts removed as they should not be on my report anymore : XXXX XXXX XXXX XXXX XXXX XXXX Nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
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 XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. This has caused me tremendous anxiety, stress, and financial hardship.

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 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX  XXXX, XXXX XXXX XXXX  I am doing this on my own behalf and really need someone to help me with this.

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 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Equifax for account XXXX XXXX on XX/XX/XXXX. How is it possible for them to complete their investigation XX/XX/XXXX confirmation number XXXX. When their website and the FCRA states a reasonable investigation takes 30 days. 

Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX .... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX .... Balance : {$4400.00} ; XXXX 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

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 2022-01-02
Company: Ambassador Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Started in XX/XX/XXXX until the day before closing. Ambassador Mortgage had me waiting on clear to close documents and never send it to tile company the day before I got a text stating she still working on paper work. I paid XXXX.to secure the house plus inspection, appraisal twice and i walk through, signed paperwork to have the utility cut on. I discussed with her how long it would take to have a clear to close.by time i have send all my paperwork and more. After servical weeks i ask her to send my doc over to another agent. she wouldn't transfer my paperwork XX/XX/XXXX to another agent because I kept asking can you get it done she said yes I'm working it I will have in your house. The day of closing no paperwork. My contact was canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Allied Collection Services, Inc. (Nevada)
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Allied Collection Service. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted Allied Collection Service authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ).

2. Provide sufficient and documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

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 2023-05-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX. and XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

, Account name : XXXX XXXX XXXX XXXX  Bank Account : XXXX, Account name : XXXX XXXX  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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-07-31
Company: EQUIFAX, 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX I received a call from Bank of America while at work in XXXX MA stating that my XXXX account was being used so they needed me to verify if I made the transactions. I said no I didnt he gave me a reference number and told me as a BOA rep he would contact the 3rd party XXXX and we needed to send the money to the email XXXX in my name to hold the money for 24 hours and block the account so that whoever was trying to get the money in Connecticut could not. Well all this was a scam it was not the bank and my account balance is {$0.00} a claim was placed but they wont guarantee Ill get my money back, {$2700.00}. 

I just survived XXXX for the 2nd time, I am newly XXXX  and have a young child. I really need some help recovering my money. The existing claim number I was given is XXXX. If anyone can help me I would greatly appreciate it. 

XXXX XXXX ( maiden name on file at BOA ) 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 monetary relief
Consumer complaint received 2022-01-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is reporting on my credit report, this account doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is reporting on my credit report, this account doesnt belong to me.

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 2019-11-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is regarding dispute XXXX with Citi Bank. 
On XX/XX/2019 I book 4 night stay in XXXX XXXX XXXX, NJ in XX/XX/2019 via XXXX using my CitiCard credit card. Me and my kids spend 1 night in the motel. the next morning, the general manger asked us to leave the motel because I complained that the room was unsuitable for adults and young children to stay in due to poor sanitation conditions ( bed sheets were stained, room was dirty ), mold in the bathroom, no air circulation ( windows wont open ), no light ( lamp was broken and didnt work ) and safety hazard ( wood headboard collapsed on the bed, floor was dirty, wet and slippery from humidity ) .I asked for a refund and only then I was told that this transaction is non-refundable ( apparently it's on XXXX website but very not clear ) I called CitiCards on XX/XX/2019 and asked to dispute the charge since I didn't receive service. On XX/XX/2019 CitiCard asked me for documents proving the charge is refundable or any proof that shows the merchant 's policy was not disclosed to me at the time of the sale.On XX/XX/2019 I responded to CitiCard with all the documents to support my claim for dispute, I provided pictures form the motel, I wrote a clarification letter and I attached the motel general manager respond that says that she needed to contact the police to escorted me out of the property, I also attached the police report and my name doesn't appear there - meaning - the general manager admits that she asked me to leave the property but her claim ( that she needed to escorted me out with police ) isn't true - she charged me for 4 nights, asked me to leave after 1 night and wouldn't refund me - its a fraud! On XX/XX/2019 CitiCard sent me a request to provide documentation showing that the merchant agreed to credit my account and they notified me that this investigation consider complete and it is resolve in the merchant favor. On XX/XX/2019 I called CitiCard again and spoke to a supervise named XXXX that wasn't willing to listen to me or to help me. On XX/XX/2019 I called again and spoke to a representative that told me that this dispute was being processed as if I canceled the stay and due to the non-refundable policy - CitiCard didn't credit me. She re-open the dispute and I emailed 2 clarification emails since then. I still haven't hared anything back yet.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX 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.

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 2022-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I informed Portfolio Recovery Associates that the information on file was inaccurate via the dispute process through the main credit reporting agencies. I was informed the reporting was accurate by all three major credit bureaus. I requested a method of verification from within my dispute, in which I was informed my request was frivolous. 

However Portfolio Recovery Associates sent via mail a letter that would be considered the initial form of communication. The initial form of communication did not contain the necessary Mini-Miranda that would allow for me to dispute the debt with Portfolio Recovery Associates directly. 

not only did portfolio recovery associates disregard my rights, they continually report an inaccurate/ incomplete file which they state is complete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Amcap Investments, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am getting unsolicited phone calls from this company. I have received over 25 phone calls in an hour. I asked them to stop and they keep calling. I am on the FTC DNC list.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation