BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: CA
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:
On or about XX/XX/XXXX, Equifax violated my federal and state protected rights by improperly using my credit report and stealing my identity as evidenced by the hard inquiry on my credit report by " Equifax Mortgages Services LLC. '' I did not authorize, apply or otherwise consent to my credit file or consumer report to be accessed for mortgage services from any company and definitely NOT Equifax. My consumer reports with all credit reporting agencies have been and are " frozen '' as well as include identity theft alerts. I was a victim of Equifax 's Data Breach in XXXX and have filed a claim in connection with the settlement. Equifax, via its settlement administrator, XXXX, has YET to pay my claim even though I submitted the claim and over 500 pages of supporting documentation. Due to the known theft of my personal information, the credit report identity theft freezes, and the lack of my EXPRESSED WRITTEN PERMISSION to access my consumer report, Equifax has used my credit report improperly, stolen my identity, not taken proper care or responsibility with the use and custodianship of my consumer report and credit file. As this is not Equifax 's first time violating federal and state laws, Equifax has been reckless, willfully negligent, and acted with impunity with my consumer report and credit file. Equifax has willfully violated and is in violation of : 1- 15 USC 1681b- permissible purpose ; 2- 15 USC 1681c- Requirements related to information contained in consumer reports ; 3- 15 USC 1681c-1 -- Identity theft prevention fraud alerts ; 4- 15 USC 1681e- Compliance procedures ; 5- 15 USC 1681m- Requirements on Users of consumer reports ; 6- 15 USC 1681n- Civil liability for willful non-compliance ; 7- 15 USC 1681o- Civil liability for negligent non-compliance ; 8- 15 USC 1681q- Obtaining information under false pretenses ; 9- FCRA ; 10- FDCPA ; 11- CA Consumer Credit Protection Laws ; 12- UDAAP ; 13- federal Privacy Act ; and, 14- Agreements made by Equifax under their settlement agreement filed on 01/13/20 in the United States District Court, Northern District of Georgia Atlanta Division ; just to list a few of the federal and state laws that Equifax has willfully and negligently violated . 
Equifax has caused FURTHER injury, harm and damage to me by their actions because this has caused my FICO credit score to drop FURTHER negating my ability to be financially able to obtain future credit. I have and continue to receive communications from other credit reporting agencies that this action by Equifax has negatively affected my ability to obtain future credit. Equifax is a REPEAT OFFENDER and REPEAT VIOLATOR of my federally and state protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2020-12-29
Company: AMERIS BANCORP
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a conventional home mortgage loan with Ameris Bank. On XX/XX/XXXX I refinanced my mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX At closing, XXXX XXXX paid my property taxes for the year XXXX. Therefore, the money Ameris Bank held in escrow for my property taxes needed to be refunded. 

XXXX sent me a letter on XX/XX/XXXX stating that they owed me an escrow refund of {$2800.00}. 

I called Ameris Bank on XX/XX/XXXX to inquire about my escrow refund check. I was told that on XX/XX/XXXX a refund check had been issued and maybe got lost in the mail since I moved. I was asked to wait a few more days since a check could not be canceled until 30 days after it was issued. 

I called Ameris Bank on XX/XX/XXXX because my refund check had not arrived and I had allowed ample time for the mail to be rerouted to my new address. I was getting all my other rerouted mail at my new address, including checks and bills. I was told on XX/XX/XXXX that the check must have gotten lost so the associate canceled my check and I was told another would be issued to my new address. This check still has not arrived. 

On XX/XX/XXXX I called Ameris Bank again since the check that was supposedly issued on XX/XX/XXXX never arrived. I explained the situation and said I wanted a more effective resolution. I was transferred to a manager who said she escalated the situation and that I should receive a call. I was never called back. Later that day, I called again. There was no record of my call earlier that day. During my second call, the associate put me on hold and canceled the check from XX/XX/XXXX and came back on the line to say she issued a third check. Because the associate did this, I am unable to escalate the issue for another 30 days. 

I never received any of the refund checks, even though I am able to receive mail and I have received my refunded mortgage insurance so I do not believe there is an issue on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

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 2023-04-03
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: VA
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 writing the CFPB once again because the last case was closed without an amicable solution when I wrote you previously, I provided an immense amount of evidence showing that the negative information that is being reported by XXXX XXXX XXXX for a creditor named XXXX XXXX with Account # : XXXX is being illegally reported to my credit file that Equifax records has on my credit profile. 

Additionally, Equifax has deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Furthermore, XXXX has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Equifax to do the same. 
Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX  took this matter seriously and deleted this account and others quickly because they're not mine. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions 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:
The only letter i got from this company was from civil court. I sent the company a debt validation letter which this company has failed to reply so im seeking compensation for the damage that have been brought to my name.

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 2020-12-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I CONTACTED THIS COMPANY 2 TIMES ALREADY IN THE PAST 75 DAYS AND THEY HAVE NOT GOTTEN BACK TO ME WITH ANY RESULTS OR INVESTIGATION. I CHECK MY CREDIT REPORT AND THERE ARE STILL ERRORS ACROSS MY ENTIRE REPORT. I TOLD THEM TO VERIFY ACCOUNTS AND THAT HAS NOT BEEN DONE AND ITS BEEN 75 DAYS THIS IS RIDICULOUS. I WILL ATTACH THE LAST LETTER I SENT THEM AND YOU CAN SEE THEY ARE STILL REPORTING THIS ON MY REPORT WITHOUT PROVIDING ANY RESPONSE. PLEASE HAVE THESE REMOVED FROM MY CREDIT REPORT THIS IS GETTING RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Rocket Mortgage, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Called Quicken Loans in XX/XX/XXXX to ask what I needed to do or send them to get them to fix the problem of wrong info reported to the credit company 's. Info that they reported my mortgage as being closed and discharged as part of the bankruptcy. It was not discharged, it was showed as an asset. So Quicken should instead report it as being open and in good standing. Was transferred to different department and they told me their was nothing I could do because it was company policy to report it that way. 
I contacted the credit agency 's and sent them copy 's of the bankruptcy, bank statements, and tax statements from Quicken Loans and more, but the company continued to say the mortgage had been discharged. The company sent all the proof to Quickens, but Quicken still refused to change what they reported. I'm a XXXX senior citizen. Quicken Loans has damaged my credit and caused an almost {$7000.00} financial burden on me and now I'm unable to get a refi loan to finish my kitchen. The stress I have been under from this has caused my Dr to put me on more medication. I have had a mortgage with Quicken since XX/XX/2013and always paid no time. Quicken Loans has cause me major stress and damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Shellpoint Partners, LLC
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Currently, I've been receiving calls from NewRez to collect a debt. My problem began with Ditech. According to NewRez, payments of around {$1600.00} to Ditech were sent to escrow and not toward my mortgage payments. Ditech went bankrupt and I've received numerous calls from NewRez/Shellpoint for payments. I was told that this happened around XXXX-XXXX. Because of this, I've been behind in payments. In the latest phone call, I was told by NewRez that there was nothing that they could do. I'm the one who, however, is caught in the middle and it appears that I can not recover those payments that I made to Ditech. I still make payments every month, but that doesn't successfully stop the calls. I've shared with NewRez that I get paid once a month so I could only pay them after I get paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon recent review of my credit report an item was listed on Trans Union. 
XXXX XXXX XXXX. It was reported as in collections for the amount of {$770.00}. 
I have never heard of this company. I contacted Trans Union and filed a complaint. 
File # XXXX. I also tried to contact XXXX XXXX XXXX  directly, but was put on hold twice. Both times the call was disconnected. Received the results of Trans Unions investigation XX/XX/XXXX. They verified the account as accurate. I called and asked them what criteria was used to determine the the accuracy of the account. Was told they verified with XXXX XXXX XXXX my name, address and social security number. 
That was the extent of their investigation. My did my own investigation and found that XXXX XXXX XXXX is a collection agency. The original debt was with XXXX XXXX, which provided home security systems for homes. They are no longer in business The debt was turned over to XXXX XXXX XXXX for collections on XX/XX/XXXX. Purchased first house in XX/XX/XXXX and have never had a home security system. I never received any information or communication from either XXXX XXXX Solutions or from XXXX XXXX. I have always maintained an excellent credit score, between 750 and 800, am retired and currently have no debt except for a balance on my mortgage. Would like to get this removed from Trans Union. Please review and advise.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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