BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NY
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
notes from XX/XX/19 bank of america meeting. 


Went into bank to check on a rate for money market. 
Sales clerk at desk and asked about rates. She took my debit card and then went to speak to a man behind the glass partition. After a few minutes I was invited back to meet XXXX XXXX, Small Business Banker. 
He already had my accounts pulled up. I explained that I wanted to get the rate on the moneymarket account I had because another bank had just moved me into a higher rate. Mr. XXXX pulled up a pamphlet which had nothing to do with rates and was a " Business advantage Relationship Rewards '' program. He began by selling me a credit card and then moved onto to payroll. 

During this discussion he pointed to the next to last sales bullet payroll services and ( no vendor listed ), " I see you pay {$57.00} for XXXX ''. I didnt get it then but later I recalled him pointing to his monitor. He was accessing my account! Mr. XXXX continued to say that he could get that fee down and called whom he said was his " associate ". 
At first the call was private, but then when it came to explaining the savings he put the call on Speaker phone and an the asscociate said " that is because XXXX offers kick backs to accountants. '' I was then given a business card for XXXX XXXX of XX/XX/XXXX. 
This set off alarms!!!!. I never gave, nor was I asked, for permission to look into my business dealings. To have Bank of America reviewing my CHECK details and then discussing it with an outside vendor is, in my view, wrong. It was so alarming that I made notes which I have transcribed here.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 deep frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my credit report maintained by Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing significant distress and impacting my financial well-being. 

I discovered unauthorized and fraudulent items on my credit report, raising concerns about potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted detailed dispute letters, and provided all necessary supporting documentation to facilitate the removal of the fraudulent entries. Regrettably, despite my continued efforts, these unauthorized items remain on my credit report, tarnishing my credit history and hindering my financial stability. 

Enclosed with this letter, you will find a comprehensive timeline outlining each attempt made to address this issue, including reference numbers and specifics of each communication. I urge you to thoroughly review this information and take immediate action to rectify the situation. 

The prolonged presence of fraudulent items on my credit report is not only causing financial harm but also creating undue stress and anxiety. As a responsible consumer, I expected a more expedited and effective response from your agency to correct these inaccuracies promptly. 

I urgently request that your agency conducts a thorough and expeditious investigation into the matter, removes the fraudulent items from my credit report, and provides written confirmation of the corrections made. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and explore legal avenues to protect my consumer rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX  XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXX Balance Owed : {$6300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Company: EQUIFAX, INC.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and XXXX and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received letter XX/XX/2021 from collection agency Nationwide Recovery Service XXXX XXXX XXXX XXXX, XXXX TN XXXX, ( XXXX ) XXXX ( XXXX ) XXXX requesting payment {$430.00} for services at XXXX XXXX XXXX XXXX  address not given.This is false information. I have never heard of this company and never visited them. I have visited or entered the state of Tennessee in 40 years or more. In addition to having XXXX as my provider which I provide my card for all medical services, I have military benefits as my husband XXXX with 33 years of service. It was suggested that I pay online to XXXX XXXX XXXX which I did not try or I had the option of mailing the payment. Instead I wrote back to the address requesting detailed about the charges, the company, the copy of an invoice and documention showing this agency authorized to collect in Georgia, my state. I mailed them a certified letter on XX/XX/2021. 
Today I received another letter dated XX/XX/2021 from Nationwide Recovery in a suspicious envelope not showing their name but the same po box that had been applied with a hand stamp addressed to me but the incorrect zip code printed. The letter was in response to my letter. It included a statement from XXXX XXXX XXXX by XXXX, XXXX XXXX XXXX, XXXX, Ga XXXX, Tel XXXX XXXX. The statement listing these charges on XXXXare not included on my XXXX statement. Neither have I ever visited the address XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Ga XXXX .There was a copy or list of the issuance of several state 's license permit but Georgia was not on this list. The Compliance representative signing the cover letter was XXXX XXXX. My address on the cover letter was incorrect. 
While it is frustrating receiving a letter from a collection agency since I have never received in my XXXX years of life, I feel threatened that my name and address are being used for this scam. At this point, I am reluctant to do any investigation on my own for fear that my telephone number or other info could be exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance Owed : {$18000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX sent me a letter on XX/XX/23 stating they sent it to Department of EducXXXX in regards to all my loans should be discharged due to XXXX deemed me XXXX XXXX XXXX  XXXX ( XXXX ) all balances of loans hold be forgiven. They have duplicate of my loans on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting 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:
The Bank of America inquiry placed on my XXXX credit report needs to be removed. I fit not want my credit to be ran in the first placed and I was not aware of what was going on. Nor did I get approved for anything. This inquiry is from XX/XX/2023. Please help remove this off my credit report asap.

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 2023-11-09
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$910.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX XXXX XXXX I received a CapitalOne credit card in the mail to activate. I did not request to open the account or inquiry about opening a credit account. 
XXXX XXXX XXXX Called CapitalOne and was told the account was open on XX/XX/2023. They reported no charges. Opened a fraud case on the account and closed the account. I was told it could take 6-9 months to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX do 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 non-monetary relief
Consumer complaint received 2019-07-15
Company: Lendmark Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After the death of my father on XX/XX/19 who left no assets and no estate, there was an installment loan through Lendmark Financial with his vehicle as collateral. I called Lendmark multiple times as to what we should do with the car. I offered to bring the car to them, but I was finally told on XX/XX/19 to leave the car and could turn in the tags because it would go through the non-payment process and be would be repossessed. A day or two after these conversations, a payment for the vehicle was deducted from my fathers account for {$260.00}. I had to contact them to correct it, but it took over a month for the refund. Now, three months later, after the car has not been repossessed, I called and was told that it would not be repossessed because it was not worth enough. No one had contacted me to tell me this, I had to call them. There is no estate and no assets to pay off the vehicle. I spoke to the office manager XXXX on XX/XX/19 and they are now telling me that I must sell the vehicle on their behalf and would need to bring the buyer to them to pay them for the car and only then would they sign over the lien. XXXX was rude, condescending, and would not let me explain the situation. He started talking about needing to get a lawyer involved if we are unable to do anything with the vehicle and finally told me he had other things to do and wouldn't continue to " go around in circles '' so I hung up. I then got the number for the District manager XXXX and called her. She was more pleasant, but still told me the same information, but did say if we junked the car she would put a note in the account that the junkyard could call for the title. My father is the only one on the loan, my name is not attached to the vehicle in anyway. The car is in Maryland, but I live in Florida. We turned in the tags per their instruction so it is not able to be driven and will need to be towed which could be a financial burden on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: AL
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:
First, my credit score has always been above 800 until recently. 

I opened a XXXX XXXX XXXX Credit Card around XX/XX/2023. I applied online. I never received a credit card bill in the mail. I had made a very small amount of charges under {$150.00} on the card. 

On XX/XX/2023 I received a letter from XXXX notifying me that I had a delinquent account that was past due and interest and other charges had been assessed. 

I called on XX/XX/2023, and they adjusted off some late fees and i made a payment in full of the revised balance of {$150.00} which included some interest. I explained the situation that I never got a bill in the mail, only this written letter of deliquent acccount. XXXX 's informed me that I had requested email bills, which I do not recall doing. However, in checking archives and spam and other emails, I find no ( 0 ) bills from this credit card company. 

The credit card number ends in XXXX with XXXX XXXX XXXX XXXX Credit Card. My social security is XXXX The credit card reported me late which I understand but that lowered my credit to XXXX, and also lowered my credit limit to {$500.00}. I wrote them a letter and appealed to them to rescind the negative reporting against me as I have never had any and have always paid by bills in full and timely, and explained not getting the bills and not signing up to my knowledge on emails and even if I had, not receiving any emails. 

I also sent a letter to XXXX XXXX regarding the same on XX/XX/2023 and notifying them I have dispute XXXX Report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX Mr Cooper mortgage company who I pay escrow and my mortgage payment to, did not pay my Town taxes nor my home insurance. Due to this I will be charged fees. I pay monthly and early. Mr Cooper is happy to take my payments but not do the right thing by paying my insurance and escrow. Thisis illegal they are taking my money and not making these payments.

Company response to consumer: Closed with explanation