BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: Asset Management Outsourcing, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called and negotiated over several months to pay the Balance in full. The original loan amount was with XXXX XXXX XXXX in the amount of {$2000.00}. I was XXXX and have been struggling the last couple of years and through Covid to get my finances in order. We mutually agreed on {$1800.00} as payment in full. I asked for confirmation of the agreement before I made the payment and they advised me that they did not have a way to send me a confirmation of the agreement but that I would recieve a reciept stating a XXXX bal due and that payment had been received for payment in full. I recieved a Receipt in the mail dated for XX/XX/2020 with a remaining balance of {$1300.00}. It did not have the amount of my payment listed. 

The letter said : For : XXXX XXXX XXXX Bal XXXX Agency Accnt # : XXXX Creditor Accnt # XXXX Thank you for your payment. You will find your current balance above. 

This company said that if I made the payment of {$1800.00} I would be released from any further liability of the debt and that collection efforts would stop and my credit report would be updated accordingly to reflect the debt was settled for less than the amount owed. This company did not live up to their end of the bargain. They committed Fraud to entice me to make a large payment that took up all of my accumulated savings to settle this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: AR
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 submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made some research prior to submitting this CFPB Complaint and I have read that under the Federal Law, Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to request of you to please remove the fraudulent accounts and information from my Credit File as soon as possible.

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 2023-08-22
Company: Experian Information Solutions 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:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2023-05-18
Company: EQUIFAX, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX of this year I tried to open another savings account online with BMO Harris Bank, I already have one savings account. They rejected the application saying that there was something in a credit report that caused the rejection. They refused to tell me what was in the report that caused the rejection. I pulled my credit reports, there are no problems. If they have erroneous information on me and the insurance industry gets a hold of it, they will use that to increase premiums and, they may already have. 
I can not find a problem and BMO will not give me an explanation,

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 2023-05-12
Company: EQUIFAX, INC.
State: NY
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX  XXXX KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602 . WHICH IS ALSO AGGRAVATED IDENTITY THEFT. BEFORE, DURING, OR AFTER THIS TRANSACTION THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER. THAT MEANS I NEVER RECEIVED ADEQUATE NOTICE MAKING IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY AGREEMENT ( XXXX ) MAKING THEM XXXX. I WASN'T AWARE THAT XXXX XXXX XXXXXXXX WOULD BEREPORTING ANY DETAILS OF OUR RELATIONSHIP TO ANY XXXX PARTIES ( XXXX XXXX XXXX WHICH IS A DIRECT VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX XXXX  ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF XXXX XXXX XXXX NEGLIGENCE AND DEFAMATION OF MY CHARACTER. 

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 2019-06-22
Company: C.Tech Collections, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got alerted this afternoon about change in my credit, through XXXX  XXXX, after checking, I found out that a derogatory message has been sent to my credit, I clicked on it and it was from XXXX XXXX XXXX XXXX, opened on XX/XX/2018, through a Collection company, name : C Tech Collection. 
This derogatory message was suprising because i was not informed, I was a patient of XXXX XXXX, and I gave the details of my health insurance, i wasn't informed that i have to make any extra payment, the payment was sent to my insurance, but according to the lady i spoke with today from the collection office, the insurance paid {$50.00} less than amount expected, Instead of the Doctor office to send me a message about the {$50.00} balance, no communication was sent, either through email, mail or Phone call, the case was given to collection office and the collection office never get accross or communicate the {$50.00} balance with me, am only getting to know for the first time today that my insurance paid short of {$50.00}, If there was no communication of any kind to inform me of the balance, how would i have known that i have a balance to pay, because payment between doctors and insurance are never disclosed with the patient, I totally disagree and dispute the derogatory message sent to my credit, I have never late in any of my payments and my record is there to show, I am ready to pay {$50.00}, even though i am just getting to know about it, but the derogatory message sent to my credit is very unfair and cruel. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2022-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Tuesday, XX/XX/XXXX, I received a notice from XXXX that there had been a hard inquiry of my credit that day. I KNEW it was not me so with further investigation I discovered that a credit card had been applied for from Bank of America and was approved by them. The applicant used my name and address ( they may have used more information but I dont know what else ) and pulled my credit report. 
I called Bank of America to report the issue and they took the information into their fraud unit and gave me a case number. They also told me they would contact XXXX, XXXX and XXXX to have this removed from my report. 
I also contacted each of the three credit reporting companies to have a freeze put on my account, which they tell me was done. 
XXXX has opened a dispute for me in their Identity Theft division. I was told by XXXX to report here in lieu of a police 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 explanation
Consumer complaint received 2018-11-08
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:
I reported to Equifax, 0n XX/XX/XXXX, that my identity was stolen about 4 years ago and that the thief opened opened numerous credit cards in my name and sought medical attention at a hospital that was currently reported on my credit file. The medical company reported on my credit is named XXXX XXXX XXXX. Equifax refused to thoroughly investigate. I did not open these accounts, I did not authorize these accounts, and I do not have no knowledge of these accounts. This has also been reported to FTC Identity Theft. I explained to Equifax that the accounts do not belong to me and I submitted a dispute. Equifax did not provide a thorough investigation into the reported fraudulent activity, but instead, returned a " completed '' investigation in 2 days, stating that the information was verified. Not sure how Equifax report that my information was verified when the addresses used and reported on my credit report are incorrect and the name is misspelled and incorrect. Equifax could not have received proper and correct information on from any of those accounts I reported to them. My credit file was also used in a breach of Equifax 's negligence to protect my identity. Equifax also did not report to the other agencies that my identity had been stolen. The name that the thief used to open the accounts are incorrect and misspelled. They used names as XXXX XXXX, XXXX, and others, which is not my name. My name is XXXX XXXX. They also used addresses in Arizona where I have never lived. I was born and live in XXXX XXXX. The credits opened are XXXX XXXX with a balance of {$6700.00}, XXXX XXXX   XXXX XXXX with a balance of {$3100.00}, XXXX/XXXX XXXX that had a balance of {$2400.00} ; XXXX XXXX XXXX that had a credit limit of {$250.00} ; and a XXXX XXXX that had a credit limit of {$600.00}. All of these were opened between XX/XX/XXXX and XX/XX/XXXX when I was a XXXX XXXX. Also, there are hard inquiries listed from XXXX XXXX, XXXX, and XXXX XXXX  which I did not authorize and have no knowledge of. I would like for Equifax to remove the accounts from credit file, as they do not belong to me and I did not open these accounts. My identity was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent invoice was sent to me through paypal.com. This triggered an official email from paypal to be delivered to me which included a seller 's note which was the scammer 's number. After I was unable to dispute the charge through paypal app and paypal.com I called the number on the seller 's note which began the process of identity theft. Believing I was on the phone with customer service, I followed their instructions which was to first download the XXXX XXXX  and then gave them remote access to my cellphone. They told me someone had opened credit cards on my account and that I would need to start the process of opening up a credit card to cancel all fraudulent activity. A card was then opened through the Venmo mobile app ( card issued by Synchrony Bank ) and the scammer pretended to cancel fraudulent charges by sending money to themselves. This was about an hour on the phone, then the scammer instructed me to send money through other XXXX XXXX XXXX. We signed up for an account on XXXX to begin the scam cancellation of wire transfers and we also sent money through XXXXXXXX XXXX XXXX  on the chase mobile app. By this time I had already given the scammers my full information including my name, address, account numbers, card numbers and social security since all that was necessary in issuing the credit card. 

{$500.00} total was sent through XXXX XXXX pay on the chase mobile app which directly came from my account. {$740.00} total was sent through Venmo for the Synchrony Bank card.

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 2022-07-09
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My wife died in XXXX of last year. I sent a copy of her death certificate to Mr. Cooper, asking them to take her name off of the loan. Later I sold my home. A month or two ago I received two large checks from NationStar, made out to me and my wife. My bank told me that with her name on there I would be unable to cash or deposit them. I sent them back to NationStar with another copy of her death certificate, and nicely asked them to re-issue checks with just my name on them. I kept waiting. Yesterday, I received another large check with my name and my wife 's name. Apparently, they did not read my letter or ignored it. These checks are for a lot of money that is rightfully mine, and I need the money badly. I can not find a phone number for them. They are in XXXX, TX Please contact them and tell them to send me the money in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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:
The financial institution misguided me about the cancellation process for this loan. Since XX/XX/2021 I have been in communication with them to make sure about the balance that I have pending and the number of payments needed to payoff the loan. The guidance from them was that the loan will be paid off in XX/XX/2021 and that the final balance was going to be {$710.00}. When I issued the payment in XXXX, I start preparing to pay off the loan in XXXX. But I received a debt collection letter on XX/XX/XXXX, dated XX/XX/XXXX saying that I had an outstanding balance of {$1600.00} and notifying me that my credit report was affected because of this. This was the first communication I received from them regarding the balance of the loan. Previously I was the one who called them to check this information. I called the financial institution to clarify this because they oriented me that the pay-off balance was {$710.00} and to claim the reason for reporting to the credit bureaus without letting me know first about the issue. In the last years, I have paid on time this loan. It doesn't make sense. Their answer was that the outstanding balance included charges accumulated in the life of the loan. So, okay, I will pay it if I have to, but I have always paid the loan according to the agreement and I also paid in XXXX what I thought it was the pay-off balance. But now my credit score went down XXXX points because of this affecting completely my financial plans and goals in the near future. I need the help of the CFPB to request the bank to remove this late payment in my credit history, because they are not willing to do it.

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