BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/XXXX I was notified my info was in a EQUIFAX data breach and to check my reports for fraudulant or or inaccuracies on my report. 

I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit but, yet XXXX XXXX and EUIFAX has refused to remove these unauthorized inquirieis. 

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 XXXXXX/XX/XXXX I have never given consent nor have any knowledge of ever giving my authorization for these inquiries on my credit report. 

I want these inquiries removedd immeiately or pay me {$1000.00} per unauthorized inquiy and in accurate info. 
I have enclosed my FTC ID THEFT AFFIDAVIT to prove I did report these errorss back in XX/XX/XXXX and present the inquiries are still there have violated my rights by not removing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2021-01-09
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: Information belongs to someone else

Complaint:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America did not have my State of Arizona unemployment benefits available on my pre paid card for several months during XXXX, during the pandemic relief benefits period. The totals were approximately {$1500.00} that were unpaid. 

The State of Arizona paid that amount in early XXXX that was due in summer of XXXX. The state of Arizona then reversed it's decision on the reimbursement and claimed I was overpaid benefits and that any initial non payment of benefits was due to fraud allowed by Bank of America. No more details were disclosed to me. 

My tax refunds have been garnished ever since, including interest. I was also a litigant in the lawsuit against Bank of America, only to have my claim dismissed on XX/XX/XXXX due to not having suffiicient information to prove any fraud had occurred. 

I feel Bank of America is responsible for my hardship during that period of time they botched the payments and for my continued tax refund garnishments.

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 2021-01-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just looked at my credit report and see ARS ACCOUNT RESOLUTION and showing the original creditor is XXXX XXXX XXXX and thats a big mistake because I never went to that hospital or had any dealings with them and I need this account deleted as soon as possible because its affecting my score and they are reporting debt that dont even 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 2021-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is regarding Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act against Portfolio Recovery Associates. They are in violation in reporting inaccurate information on my credit files and have not provided validation as requested to show proof that I owe the debts they are saying I owe. They are in direct violation reporting past due balances on collection accounts. 

They are using unfair collection practices by re-aging the debts to keep them on my credit report stating incorrect balances, I have disputed and sent numerous letters asking for proper Validation with signed signatures and contracts showing that I owe this debt that they are claiming I owe, and they have not provided any proof what so ever. The burden of proof is not on the consumer to disprove the debt its on Portfolio Recovery to prove per the LAW. 

Portfolio Recovery Associates are legally-required investigation of the issues raised by the consumer, and they have not done so. Portfolio Recovery Associates are engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws and I am requesting that they remove all negative information that they are reporting on my credit files, that are trying to collect on debts they can not verify and haven't provided the proper verification per the law saying I owe this debt. No photocopies of an alleged debt, proper verification. 

Here are the account numbers as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also be filing an complaint with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX. This is the correct spelling of my name. This is how my name should be updated on my credit report. I'm writing to report identity theft that has been committed against me. I have good grounds to think that multiple false accounts and credit report inquiries have been created using my personal information, which was stolen and used without my consent. I have contacted the creditors connected to the information and filed an identity theft affidavit, among other essential actions, to make this problem right. However, because of this identity theft, I have suffered severe financial loss and emotional pain. I still have trouble getting loans and credit because of the time-consuming and frustrating procedure of challenging these accounts and inquiries. 
I've attached copies of my credit report, the identity theft report I filed on this case, and any additional paperwork I think you would need for your inquiry. Kindly get in touch with me in case you need any further details or supporting materials. 
I sincerely appreciate your consideration of this situation and eagerly await your speedy reply.

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 2019-04-01
Company: AMERIS BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Ameris Bank. I was wanting to make the final payment today, however, they are insisting that I send the money by either wire transfer or certified check. Either of these options will cause me to incur additional expense and time off of work. I do not believe consumers who want to make their final payment should have to incur this expense and inconvenience. If my monthly payment was satisfactory every other month of the loan term, why isn't it good enough for the final payment. I understand they may want to hold of releasing any leans or processing the final paperwork for a few extra days to ensure the funds clear. But they should not force people to incur additional expense and use vacation time from their jobs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have diligently reported to all bureaus that I have been a victim of identity theft and that accounts originating from XX/XX/XXXX to XX/XX/XXXX are subject to investigation into the theft of my identity, as unknown accounts have been opened in my name without my knowledge or consent. Inquiries as well the address that appeared on my credit report previously as a result of this creditor HAVE been removed from all bureaus Correction to my credit report. I Demand this account be removed from my credit report as it is very detrimental to my livelihood. 

I tried applying for a home using a Loan with my credit, when I was devasted to find out that there are several inaccuracies on my credit within : addresses, accounts, and debt that I have never applied and sign for. 

According to as per section 623 of the FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One is currently advertising promotional deals for credit cards including bonus sign on points. After activating my card and earning the points, I'm unable to use them and transfer to travel partner since it is down for maintenance. This has been down for maintenance for at least 6 days XXXX XXXX XXXX XXXX XXXX No one at capital one knows when this is coming back. They are adversing a rewards program that can't be accessed - locking consumers into an annual fee with rewards that are not available in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: VA
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

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 2019-02-15
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I would like to see the documents showing chain of title for this loan from XXXX to Real Time Resolutions. Real Time Resolutions reported it to XXXX in XX/XX/XXXX. When I disputed it, it was immediately removed.I am still investigating this loan that I havent heard anything on for many, many years until a strange phone call back in XX/XX/XXXX. A man from this company called and told me I owed {$27000.00} and if I gave him {$3000.00} in two days, I will be paid off. When XXXX took over my mortgage in XXXX, I was told by them, I no longer owe XXXX anything. I never received any bills either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
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 hope this letter finds you well. I am writing to bring to your attention a concerning issue that I recently discovered on my credit report. Specifically, a new late open account has appeared on my credit report, which is both inaccurate and unjustified. 

Upon reviewing my most recent credit report from your agency, I observed the inclusion of a late open account that I have no knowledge of and have never authorized. This entry, which pertains to [ describe the account in question, including the creditor 's name and any other pertinent details ], is not representative of my financial history and is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I must emphasize that I have consistently maintained a strong record of financial responsibility, ensuring that all my accounts are paid on time. It is therefore perplexing and concerning to me that a late open account has appeared on my credit report, as this adversely affects my creditworthiness and poses a serious risk to my financial standing. 

In accordance with the FCRA, I am formally disputing the accuracy of this late open account entry on my credit report. I am enclosing relevant documentation that substantiates my claim, including [ list any supporting documents, such as payment records, correspondence with the creditor, etc. ]. These documents clearly demonstrate that I do not have any outstanding or late open accounts with the creditor in question. 

I kindly request that you undertake an immediate investigation into this matter to verify the accuracy of the late open account entry on my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and the necessary corrective actions taken to rectify my credit report within the legally mandated timeframe. 

The inclusion of this inaccurate information on my credit report has the potential to harm my financial well-being and my ability to access credit on fair terms. I trust that you will treat this matter with the urgency and seriousness it deserves to ensure the accuracy of my credit report is promptly restored. 

Failure to address this issue in a timely manner will compel me to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. Please help me remove the following inaccurate items : OAG CHILD SU XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$6800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent in a reinvestigation to the credit bureaus they had 15days to respond and I haven't heard anything. I would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited my paycheck via mobile app to UMB Bank. An hour later a account representative contacted and asked if the deposit was made by me and I told her yes. She asked what the check was for I told her it was my paycheck. She then said ok and said that was all she needed to verify it was not a fraudulent transaction. A couple hours later I received another call from her again she stated they would have to hold the check for 7 business days due to account activity. I asked her what that meant she said she was not told why. I pleaded with her that this was my paycheck and I need to pay my bills with it and feed my children and that if they couldn't release my funds that I would to just go to my other bank and deposit the check she said she would talk to her account manager and give me a call the next day. The next day came and I heard no response back so I contacted the bank and they said that they could not release the funds or the check due to it being with the Fed already. I asked to speak to the account manager because not only was my check being held from me but now my account was frozen due to the fraud department placing a hold on the account. The account manager was not very helpful or caring about my situation. I have had this account since XXXX and I don't understand why they have to hold my paycheck. I am very upset about this, the account manager said the funds will not be released until midnight of the XX/XX/XXXX, that means they sent the check to the FED on XX/XX/XXXX after I had voiced my concern about it, so who is being fraudulent now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX  XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation