BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: OH
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:
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There Is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

XXXX XXXX XXXX : Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Intent to File Lawsuit for Violation of the Fair Credit Reporting Act ( FCRA ) I kindly request immediate removal and blocking of XXXX XXXX XXXX XXXX XXXX and the handling of my credit information by XXXX. I expect that necessary steps will be taken to ensure that my credit reports are accurately reflected and that any false or misleading information is removed without delay. 

Please consider this letter as a final opportunity for XXXX to rectify the situation in a fair and equitable manner. Failure to do so will leave me no alternative but to proceed with legal measures, seeking remedies for the damages sustained as a result of these ongoing violations. 

I anticipate your prompt attention to this matter and hope for a swift resolution. Please acknowledge receipt of this letter within 30 days. You may contact me at the above-mentioned email address or phone number if required. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: First Advantage LNS Inc.
State: LA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of rental in XXXX  on good terms and was given the all clear and turned in keys. I was later billed for issues that were preexisting before I moved in, during hurricane Laura the roof was ripped off and they are billing me for damages that were cause by the storm. I do not owe anything I left in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: MI
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 sent 4 letters Exhibit A Validation of debt request dated XX/XX/XXXX XXXX Exhibit B Validation of debt request dated XX/XX/XXXX XXXX Exhibit C Notice of default Opportunity to cure XX/XX/XXXX XXXX Exhibit D Notice of Intent to Sue XX/XX/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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Late payments - XX/XX/2021, XX/XX/2021 and XX/XX/2021 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 2023-07-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Neither XXXX or Experian gives you access to your credit report online through the website 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 2021-02-16
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 reviewed a copy of my current credit report and I am showing incorrect information on my file. I attempt to dispute and have not received any results. I current student loan ( s ) are reporting incorrect. I was never 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 explanation
Consumer complaint received 2023-05-13
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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance {$570.00} Note that this complaint is my follow-up complaint to ensure the listed accounts are verified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: FL
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2018-05-08
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and I am the President of the XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX in XXXX, Texas. I previously submitted a complaint about the Nationstar Mortgage, the mortgage company that has the mortgage on an abandoned property located at XXXX XXXX, XXXX, TX XXXX. This home was abandoned by the owners, XXXX XXXX sometime around XX/XX/XXXX. Nationstar Mortgage filed for foreclosure in XX/XX/XXXXand to date nothing has taken place. The property at one time was being maintained by XXXX XXXX and last year XXXX XXXX XXXX began maintaining it. Once again it is not being maintained and XXXX at XXXX XXXX stated they have gotten no approval from Nationstar to commence maintenance. They claim they have tried to call them and get no return calls. Please intercede as you did about a year ago with this irresponsible mortgage company and have them at least maintain the property if they are not going to foreclose. The neighbors can not sell homes with this horrible looking home on their street. It has been abandoned now for about 10 years and most likely will have to be torn down someday as I can not imagine what the inside of them home looks like after no air or heat all these years along with rotted food in a refrigerator. My address is : XXXX and my phone number is XXXX if you need further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Securities and Bank Fraud Narrative XX/XX/2021 I was contacted by a Broker named XXXX XXXX from XXXX XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, at telephone number XXXX who told me that I had available XXXX shares with XXXX XXXX XXXX related to a time share I purchased with them in XXXX. It was explained to me that XXXX XXXX XXXX was buying back outstanding shares in the company in order to abide by a FEC requirement for them to go public. I was told each share was worth {$1800.00} for a total of {$150000.00}. I later was told that I had an additional XXXX shares equaling {$120000.00}. Mr. XXXX said he had been contracted to liquidate these shares. 

Mr. XXXX told me to contact XXXX XXXX at XXXX XXXX of the United States, XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX, telephone number XXXX. I was told that XXXX XXXX was the XXXXXXXX XXXX contracted to complete this shares liquidation. Mr. XXXX told me I needed to deposit 5 % of the liquidated share value to open a brokerage account for a total of {$14000.00}. I wired the initial 5 % from my XXXX XXXX XXXX XXXX account to a Citibank account with routing number XXXX. The account recipient XXXX was in the name of XXXX XXXX XXXX XXXXXXXX XXXX, a XXXX Investment and Brokerage company. All of these institutions have internet presence when XXXX. They are registered with the state of New York or Delaware. The name of the bank manager was XXXX XXXX. I also spoke with him several times. 

After I opened this account with XXXX XXXX, I was given an account number connected to an on-line portal at which I could see the money from the liquidated shares deposited into my account along with my initial 5 % deposits. I was later told I needed to pay for additional taxes for the total amount before the funds could be released into my personal banking account. This tax was for {$42000.00} and was to be paid to the XXXX and XXXX Governments. I was told that this tax percentage was determined from the Tax Cuts and Jobs Act ( TCJA ) regarding repatriation of offshore funds back into the U.S. 


When I could not come up with the additional funds I did more investigation and a lawyer associate mentioned a new scam involving time shares which fit what I was subjected to. I looked further into this and discovered that other people had met with similar scams but the broker and bankers had different names. I then filed several complaints to various agencies including XXXX Police Department, California Attorney General, New York Attorney General, Federal Trade Commission, The Justice Department s IC3 Internet crime department and Securities and Exchange Commission. 

To date, the website for XXXX XXXX ( XXXX ) has been taken down.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received numerous alerts that an inquiry was added to my credit reports. 
XXXX XX/XX/2023

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 2022-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The information that is being reported on me is false. I have tried contacting the comapies to gain more inforamtion about the accounts that were opened over the phone or online. I never opened the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Resurgent Capital Services L.P.
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:
On or about XXXX through XX/XX/2019, I filed a complaint to the CFPB, XXXX  and Theft identity about an unknown debt from XXXX  XXXX, LVNV Funding, under the name of Resurgent Capital Services. This company replied back to CFPB and the XXXX  stating that I was not responsible for this debt. This debt was taken off of my credit report. I reviewed my credit report under XXXX  and this debt is again on my credit report but under the name of XXXX XXXX XXXX XXXX. I am also getting repeated calls from this company. It appears to me that once the new Company, XXXX XXXX XXXX XXXX, bought out this debt from Resurgent Capital Services, that they are reopening this case. I have letters from Resurgent to both the CFPB and XXXX  stating the XXXX XXXX is not the responsible on this account. I want the calls to stop and this off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: ERC
State: KS
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:
In 2016 my company had bought a new XXXX  and XXXX  for me through the service provider " XXXX ''. My job shortly after relocated me to south Texas and my service wasnt great at all so I called and called and finally got XXXX  to accept me to return my XXXX  and XXXX so I could go get another provider that worked better in the area. I did that and then a year later they hire ENHANCED RECOVERY SERVICES! They have done nothing but harass me and called me names and lied about the balance which went from {$750.00} dollars to {$1500.00} somehow. I have tried many times and was patient but we have an attorney who asked us to file this and we will be in touch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citi Bank blocked my checking account on XX/XX/2021 without giving me a valid reason. Since then I have not been able to access my funds, online banking and my salary is stuck in this account. I tried calling their Fraud prevention team but they could not give me any specifics. They asked me to wait for 48 hours. 48 hours have passed and I have tried reaching out to their Fraud team but with no success. Meanwhile, I can not access my own money, can not pay my bills.

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 2021-02-14
Company: FORD MOTOR CREDIT CO.
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:
I am filing a complaint in this open account that I am reporting as a Joint User in this account. This account is now reporting late payments. This FRD MOTOR CR account number XXXX does not belong to me and has nothing to do with this. This account was opened fraudulently without my consent. I wasnt able to sign any membership agreement in this account. This account was open by my previous boyfriend. He is the one responsible and the account owner. I am not aware that my information was used to open this account. Not even aware that my ex-boyfriend had me involved in this. I have been disputing this account with Ford Motor and requested account validation because I know that I never signed anything in this account. The high balance and the late payments are now affecting me. I can not tolerate and wait for this to be fixed. Filling a CFPB complaint hopefully helps me to get the attention of the company that keeps on ignoring my request for reinvestigation and account validation. I need this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable. Here are among the accounts that Im referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX I never authorized these Collection Agencies to add these items on my credit report and I demand that they must take actions on this matter accordingly and seriously and have these unfamiliar accounts be swiftly removed and taken off of my 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 explanation
Consumer complaint received 2020-12-12
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe I was the victim of false promises made by Charles Schwab and its partner XXXX Loans. If not willful, it was due to willful negligence. 
In summer of XXXX I wanted to refinance and replace a HELOC on my personal residence. I did a lot of research of many programs. At Charles Schwab on XX/XX/XXXX, I was referred to Mr. XXXX XXXX and he told me I could refinance my house and obtain a " piggyback '' HELOC for {>= $1,000,000} ( based on the equity in my house ) at very favorable terms ( 3 % APR, no fees ). Based on what he told me, I chose to refinance with Charles Schwab via their loan partner XXXX XXXX ; the loan closed XX/XX/XXXX. During the refi process, I repeatedly asked when I could discuss the piggyback HELOC and was told to wait until closing. Just prior to closing time I asked again and was told, for the fist time, that my refinance did not qualify for the piggyback HELOC, or for that matter any HELOC due to the type of my refi. No mention of this was made by Mr. XXXX and a Charles Schwab representative later acknowledged he did not properly inform me of the terms of the offer. 

I've attached an e-mail from Mr. XXXX where he informs me of details of the HELOC offerings but does not mention any restrictions and does not inform me that my refi type doesn't qualify me. I've also attached a copy of the Schwab web page where they describe their HELOC products with no mention of the restrictions that later prevented me from obtaining the piggyback HELOC.

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 2021-07-05
Company: EQUIFAX, INC.
State: WA
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 CONSUMER REPORTING agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not notified in the time frame. As the original creditor, only I can validate this debt. I DO NOT VALIDATE this debt. PLEASE DELETE IMMEDIATELY!! Unverified/Fraudulent Account XXXX XXXX XXXX Unverified/Fraudulent Account INVALID INQURIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax US SM BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous XX/XX/XXXX XXXX INVALID ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRUIST FINANCIAL CORPORATION
State: MI
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:
On XX/XX/2023 a hard inquiry was listed on my credit report without authorization. Ive reached out to the companies and havent received any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation