BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: AR
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 am writing to express my dissatisfaction and concern regarding the second unsuccessful attempt to expedite the removal of fraudulent items from my credit file. Despite my continued efforts and the urgency of the situation, the fraudulent entries persist on my credit report, causing significant distress and adversely affecting my financial standing. 

I understand the importance of promptly addressing and rectifying fraudulent items to safeguard my creditworthiness and financial well-being. I have previously submitted identity theft affidavits, police reports, and supporting documentation to expedite the removal process. However, it is disheartening to note that these efforts have not resulted in the desired outcome, and the fraudulent items remain unresolved. 

The persistent presence of these inaccuracies continues to hamper my ability to secure credit, obtain favorable interest rates, and manage my financial affairs effectively. 

I urgently request an immediate and thorough reinvestigation into this matter with a commitment to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and promptly correct the fraudulent items. 

Failure to resolve this matter expediently may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Company: EQUIFAX, 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:
I reviewed my Equifax credit report, and found inquiries listed from creditors whom I did not request credit from. The dates and companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I contacted each company on Wednesday XX/XX/2023 to inform them that I was not the person who inquired about or applied for credit with them. Each company informed me that I needed to contact the credit bureau ( s ) to submit a dispute. I contacted Equifax on Wednesday XX/XX/2023 at approximately XXXX. pst. I was informed by the Equifax representative, that I must fill out a complaint with the FTC and/or the CFPB. I am requesting an investigation into this matter, and immediate removal of the above mentioned inquiries from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, 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:
I reviewed my Equifax credit report, and found inquiries listed from creditors whom I did not request credit from. The dates and companies are as follows : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted each company on Wednesday XX/XX/2023 to inform them that I was not the person who inquired about or applied for credit with them. Each company informed me that I needed to contact the credit bureau ( s ) to submit a dispute. I contacted Equifax on Wednesday XX/XX/2023 at approximately XXXX. XXXX. I was informed by the Equifax representative, that I must fill out a complaint with the FTC and/or the CFPB. I am requesting an investigation into this matter, and immediate removal of the above mentioned inquiries from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX please correct the late payment on XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason. 

inquiries to be removed : XXXXXXXX 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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX ACC XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

I have also disputed this issue with the XXXX credit bureaus and they have stated they have investigated this but it seems they have not. I am requesting proof of the investigation and also proof of what was used to validate this late payment. I am also requesting the bank statement of the original creditor that is claiming I am late. I would like proof of the date they claim they received the payment. Unless there is a bank statement proving that the payment was actually late, from their bank, it is not LEGALLY verifiable and needs to be removed. 

They are ALSO stating that they investigated but there are old dates from XXXX showing, yet I disputed most recently in XXXX. 
transunion : XX/XX/23 XXXX : XX/XX/23 XXXX : XX/XX/23 Attached is XXXX payments made in XXXX, in the midst of which they claimed payments were late.

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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 XXXX 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 non-monetary relief
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
these accounts are not mine please remove or attorney general will be contacted

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 2019-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of American is reporting on my credit report that my payment was late. This is not true as I setup automatic payments when the account was open, I never received a past due notification, never received a phone call regarding this, and I had more than enough money available to cover the < {$25.00} balance on the account. I had over {$10000.00} in my account at this time of supposed missed payment. I have zero missed payments in my credit history and over {$100000.00} of available credit. I need this missed payment 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 2021-08-18
Company: ALLY FINANCIAL INC.
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, we obtained a HELOC with GMAC. 
On or about XX/XX/XXXX we called XXXX because GMAC sold to them the XXXX and were told we had no loans outstanding with them XXXX. We requested it in writing and was told Not to worry the loan is written off. and it's not there any more. It was written off. 
Since that time period Of XXXX we have not received any statements or communication of any kind from GMAC or any other entity regarding the GMAC and or HELOC. 
XXXX https : XXXX In a letter dated XX/XX/XXXX, from Ally bank notification regarding insurance coverage, we went online and discovered the HELOC is with Ally Bank XXXX From XX/XX/XXXX to current, we have yet to receive any monthly statements from Ally Bank or any kind of servicing transfer notice as required under RESPA 1024.33. 
Our first ( 1st ) mortgage is with XXXX XXXX XXXX  and is escrowed for property taxes and insurance. 
We inquired with XXXX XXXX XXXX  to refinance and payoff the heloc. It appears we were approved but XXXX XXXXXXXX XXXX  did not want to payoff Ally Bank as they considered the {$60000.00} as erroneous charges. Please note on the payoff statement, next payment date is XX/XX/XXXX. 
Then the wiring instructions direct the wire funds to be submitted to XXXX XXXX XXXX XXXX, XXXX, NJ with ABA numbers. 
We would like to resolve this issue as this loan is almost 9 years old with no communication, no monthly statements, servicing transfers or notices until XX/XX/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 2020-09-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have savings account with American Express bank ( routing # XXXX ). On XX/XX/2020, they denied my withdraw due to the number of times exceeded their allowed limit. Then I spoke with a supervisor XXXX ( employee no XXXX ) asking for withdraw citing that XXXX XXXX XXXX on XX/XX/2020 has new regulations which removed number of withdraw times limit. XXXX left to talk with higher officer. Came back and told me that they have decided to do their own rules and not allow me to withdraw until the next cycle time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
aprox 3 weeks ago I contacted a navy federal rep to give me an answer regarding why payments and reporting was not being done correctly also to explain to me the increase in interest charges. I got a very rude lady who used many XXXX slurs on me and when I called to complain by secured messages I was jumped on by the reps supervisor which led to THEM CLOSING MY ACCOUNTS. I tried again and again to try and speak with a neutral party in an effort to resolve them up to XXXX. 
I have been a good member since 2019 and expected better than this type of behavior. on XX/XX/XXXX they realized the error in closing my accounts without full paid off and sent me a come on you don't really want to close your accounts with us? After receiving this letter I once again tried to communicate with them only to be blocked from any further communication with them. I called a rep once again and she refused to help me at all and when I ask for there legal dept I was hung up on after waiting 45 minutes on hold. Finally I lashed back at them and basicly told them to stuff it as they wanted me to do. These events have turned me into something I am not but after there employees treated me with hate and refused to settle the matter they wish me to give them an external account that they may openly debit. I called all parties in my two remaining banks and they refused to let me do this and that includes XXXX XXXX. They are pushing me into default with no means of settling the matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
A fraudulent charge was placed the company gave back money. that should of gone back on my available credit instead they charged me and then again for a credit. my card is XXXX over has been sinvmce before XXXX. i was a victim and capital one has not kept there word on one thing.I need to know how to sue them. enough is enough. 
XXXX XXXX XXXX then they return should go back on my available credit capital one put it on my balance and then charged me for the credit for fraud protection acct XXXX got taken off pay plan because they made due date 24hrs after sogning up for hardship. then they defaulted and made balance due immidiateley. 

They have repeatedly said one thing then did another its been 4mos no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've dealing with this Identity Theft issue for a while now and I have tried reaching to the credit bureaus and creditors but I cant seem to get any real help to help me resolve this situation and as a result I've develop a lot of health and emotional issues which includes XXXX, XXXX which all resulted in me losing my job and my family. 

Name, Addresses, Inquiry and phone # do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( these names are not mine ) XXXX XXXX  XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Ga XXXX The items listed below are fraudulent and need help getting taken off my report. 
XXXX XXXX XXXX- {$330.00} ( XXXX & XXXX ) XXXX  XXXX XXXX- {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX- {$9100.00} XXXX/XXXX XXXX XXXX- {$5200.00} XXXX XXXX XXXX XXXX- $ XXXX {$5800.00} XXXX XXXX XXXX XXXX- {$11000.00} XXXX  XXXX- {$44.00} XXXX XXXX  XXXX- {$21000.00} XXXX/XXXX- {$24000.00} XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX XXXX- {$26000.00} XXXX XXXXXXXX- {$720.00} XXXX XXXX XXXX- {$2000.00} Inquiry-XXXX XXXX  XX/XX/21

Company response to consumer: Closed with explanation