BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : US DEPT ED XXXX Balance {$730.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX {$2300.00} Date Opened : XXXX US DEPT ED XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$3900.00} Date XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Default on mortgage due to cut hours and other bills to debt. No car, breaks went completely out. I support XXXX children. Cloths food, and a home. I just recently found out it is in a excursion situation. Who I believe to be there father. He has payed half mortgage, half phone bill and daycare. Including the MID, all which are under my name. He states he will not pay, and is now not wanting to help financially. I have received multiple scams on loans and mortgage, ways out. We have found electrical devices in the home. Which can be used for personal data. No one is aware of any out side devices. Which he has no legal rights to do. I have found in a shoe box hidden in the closet of a lot of financial debt. And I believe I have added items on my credit report. Because some of the names did not look familiar. Or I was not involved with the incident.

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 2023-02-27
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/XXXX my wallet was stolen from my locker while I was working out at the gym. The thief took my wallet to the XXXX down the street and charged all of my cards in my wallet several times for a total of {$100.00} for each transaction. He charged each credit card twice and each debit card once. I have no idea how he ran my debit cards as he clearly would not have my pin number, unless he ran it as credit and then fraudulently signed for it. He then went down XXXXhe street a little bit more and attempted to use my last debit card at a smoke shop multiple times for a transaction totaling {$40.00}. However, by this time I had realized my wallet was stolen and I locked my cards on the app. I also had an airtag in my wallet, so I knew the location of the thief. I called XXXX so that the police could come and arrest the person I suspected for stealing my wallet. When the police arrived, they informed me that they could go look around for my wallet but couldn't arrest or ask anyone for the wallet based on an airtag location alone, especially since the suspect was hanging out with a group of people. The police couldn't really do anything unless they had better probable cause for one person. So I was left to report all of my cards as stolen, get a new airtag, new wallet, new drivers license, new transit card, new everything. I reported the cards as stolen within one business day of the theft. When I reported these transactions as fraud, all of my banks investigated it and informed me that according to their investigation, the transactions were in fact fraudulent. They they covered the cost of the false charges. Out of all of my banks, however, TD bank was the only one to say this transaction at XXXX was not fake on the grounds that " the card was not used again after this transaction ''. When I called to dispute their investigation, I asked them if they had any documents or anything showing that they did their due diligence in investigating the issue. They were unable to provide any evidence that they did in fact investigate my claim. I reopened the fraud claim and a few weeks later they denied it again stating that I " benefited from the transaction ''. I find it curious that just one of the banks I use found my fraud claim to be untruthful. I am submitting the evidence that I have as part of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which 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. 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 an 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 2022-10-07
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify these items. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. I have also filed a FTC Complaint as well. 
Account related items are. XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX & XXXX XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : 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 2022-02-15
Company: EQUIFAX, 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: TX
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 disputed some inquires in Late XX/XX/XXXX to remove some inquires due to a Victim of their Inquiry issue. I received a letter it was not resolved a deleted. Here are the in inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, 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:
There is an address I saw on my credit report I never live at this address before XXXX XXXX XXXX XXXX XXXX ga XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to request for the removal of the erroneous information about my accounts that has been neglected by TransUnion Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports :

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 2023-03-12
Company: EQUIFAX, 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:
In the constitution it states that. : 15U.SC 1681 sec 60A-/ : STATES I HAVE THE RIGHT TO PRVICY.!!

15.U.S.C 1681 Sec : 604A/sec2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT!!!! Finish account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) sec : STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, AND OTHER ADVERSE ITEAM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WITCH ANTENDS THE REPORT BY MORE THEN 7 YEARS!

15. U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS REPORTING OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE! 


I HAVE BEEN VIOLATED ON THE FOLLOWING ACCOUNTS : # # # XXXX. XXXX XXXX XXXX # XXXX amount {$480.00} ( originally XXXX XXXX ). I NEVER GAVE MY PERMISSION??? 
XXXX amount {$590.00} XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX  # XXXX / # # XXXX XXXX XXXX XXXX credit # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX and # XXXX XXXX XXXX  # XXXX Remove all listed from my credit report even closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX   {$860.00} Account number XXXX Collection opened Loan Amount {$860.00} {$900.00} Payment Info Original loan amount {$900.00} Balance {$860.00} XXXX XXXX XXXX  XXXX Original creditor : XXXX {$0.00} 100 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Balance Loan Amount {$620.00} Payment Info Original loan amount {$620.00} Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$240.00} Account Info Hover over labels for more details Account numberXXXX Account status Closed Date opened XX/XX/XXXX {$240.00} Past due amount {$240.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX {$740.00} Paid, closed Account number452912XXXXXXXXXX Account statusClosed Date opened XX/XX/XXXX {$740.00} {$500.00} Past due amount {$740.00} XXXX XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5300.00} Account Info Account numberXXXX  Date opened XX/XX/XXXX Balance Loan Amount {$5300.00} LABELS FOR MORE DETAILS ACCOUNT NUMBER XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX {$0.00} {$300.00} XXXX XXXX XXXX {$0.00} Paid, XXXX  XXXX XXXX XXXX XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Account Type Unsecured Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX {$210.00} Original creditor : XXXX Balance {$210.00} {$210.00} Opened XX/XX/XXXX Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CORELOGIC INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credco is claiming that they are a part of CoreLogic for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen.

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 2023-08-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had an authorized user on my account named XXXX XXXX. I sent a message using my NFCU online banking to let them know on XX/XX/XXXX that I wanted him taken off of my account as an authorized user. I have used this avenue to remove authorized users in the past with no issues. So at that time I assumed he was no longer on the account. Then, on XX/XX/XXXX XXXX XXXX XXXX initiated a {$100.00} cash advance from my account to his checking account. On XXXX when I realized this, I immediately messaged NFCU to find out why he was still on there as an authorized user. We went back and forth with them finally saying that the removal was never finalized because I had to respond to their response saying that I confirmed that I wanted him removed. I never had to respond before for that. Me giving them notice that I no longer wanted him to have access to the account was enough of a notification and he should have been removed. I want my {$100.00} back that he cash advanced because he should not have been on the account at that point in time. The following is their response to my inquiry about this issue, " XXXX XXXX, thank you for your follow up message. We did reply to your message on XX/XX/XXXX, acknowledging the request, however, we needed further confirmation from you in order to complete the request to remove the authorized user. XXXX XXXX has been deleted as an authorized user of your XXXX XXXX account. You continue to remain responsible for the entire balance, including any charges made by a deleted authorized user. Please allow 1-2 business days for the removal to reflect via Online/Mobile Banking . Your user 's removal will be updated with all major credit bureaus on or around the next statement closing date of XX/XX/XXXX. If we may be of further assistance, please let us know ; we always consider it a privilege to assist you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from XXXX XXXX XXXX XXXX. 

According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''.

Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave XXXX XXXX XXXX XXXX WRITTEN INSTRUCTION to report information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Kelsting Group, 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:
On XX/XX/2022 XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation