BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: CL Holdings LLC
State: SC
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 # XXXXand contacted the police department and obtained a police report # XXXXwhich 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 : JEFFERSON CAPITAL SYSTEM {$9300.00} Open balance XXXX  XXXX XXXX XXXX   Original creditor XXXX  Opened XX/XX/XXXX JEFFERSON CAPITAL SYSTEM {$2300.00} Open balance XXXX  XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
During the buying process I was encouraged to use a lender provided by my real estate agent. I was put in contact with Fulton Bank. I was very clear that my current loan approval did not have any PMI associated. I was verbally promised that if I used Fulton I would get the same deal with a lower APR for the mortgage. At the last minute, right before closing, my disclosures all had PMI. I was way too far into the process at that point to switch back to the original lender that I wanted to use in the first place.

I am now over 3 years into repayment and Fulton continues to refuse to remove PMI even with an appraisal showing loan to value of 60 %. This is unfair, deceptive and causing me to waste over a XXXX dollars every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Convergent Resources, 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 have made disputes to both   XXXX   and   XXXX    regarding information reported on my credit file that is not correct.  XX/XX/XXXX  made it difficult to confirm my identity because they are relying on fraudulent accounts as verification. I have submitted several disputes and made phone calls to  XX/XX/XXXX  and after a re-investigation, I received an email that advised me to call   XXXX   for further information if I still dispute the item. When I called  XX/XX/XXXX , they stated that the collection agency " verified '' that the account was in fact my account. When I asked what was the proof that they provided, I was told that the collection agency confirmed that the account in question was associated with my social security number. Well of course it is, that is what I am complaining about ; someone using my " identification '' fraudulently. That is the basis of the dispute.   XXXX   stated that I would need to contact the collection agency because they believe the collection agency. This is the proof? that the social security number belongs to me? I contacted the collection agency " Convergent '' and they stated that the account is being reviewed by the fraud department but it appears to be my account. I provided a police report number and information forwarded to me by the police department. The reporting agencies refuse to remove false information and I am losing money by purchasing different credit monitoring companies to gain a way to dispute these items. The collection agency states that they will send an update to the address on file. The address on file for a cable bill. I reiterated that I never have lived at that address, let alone the city where the fraud occurred. Where is the proof from these companies. I must show the burden of proof, not them. I was never notified of a bill, therefore a collection was reported on my credit file without my knowledge, and now that I know there is such a collection, they ignore the facts that prove it is not mine. I have researched the address and found the name of a person who lived there during the time of the fraud. Neither the reporting agencies or collection agencies perform due diligence.

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: EQUIFAX, INC.
State: NY
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:
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. 

Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: AMERICAN EXPRESS COMPANY
State: DC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, DC XXXX XXXX XXXX XX/XX/2023 American Express : I am writing in response to a request for an explanation of the dispute on a criminal authorized charge from a taxi cab in XXXX. As I have explained several times in calls, there is no written documentation. I never signed or approved a {$5300.00} charge for a taxi cab in XXXX. 

I arrived in XXXX, XXXX, by air on Monday, XX/XX/XXXX, around XXXX XXXX  for an international conference. Two colleagues and I went to the taxi booking desks and arranged a taxi. The cost was to be the equivalent of {$25.00} which we were to pay to the driver. My colleague had been to XXXX before and knew that was the going price for the short trip. On the way out of customs, our party was met by a driver who said he was our taxi and took us to a car. In retrospect, we now know the man who greeted us was a scammer. 

We were asked to pay the {$25.00} by card. I gave the taxicab driver my amex credit card. The card was run several times and we were told it was not going through. My colleague also gave her credit card and was also told the card did not go through. At no time did either of us give him a pin or sign any receipts. We said we would pay cash and the driver took us to the XXXX XXXX, a 20-minute drive from the airport. 

Because we were told the credit card did not go through, I paid the driver US dollars in cash. He did not speak much English. 

Both my credit card ( Amex ) and my colleagues credit cards were compromised with these outrageous charges. 

As I said on repeated calls, I have no documentation, but the colleagues with me were XXXX XXXX and XXXX XXXX. They would be happy to verify my account of the case. 

I would be pleased to answer any other questions. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: IL
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:
This CFPB complaint is to follow up any response from the Credit Reporting Agencies after 30 days of investigation. As I reviewed my Credit Report, I noticed that there are still accounts that are reporting erroneous and incorrect information. I discovered that some of the information on my credit report was incorrect when I reviewed it. Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00} and XXXX XXXX XXXX Balance : {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
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: Account information incorrect

Complaint:
I'm filing this complaint against Equifax Information Services regarding the XXXX XXXX. XX/XX/2023, I sent a letter to Equifax Information Services by the provisions of the Fair Credit Reporting Act that this item, XXXX XXXX XXXX 
Account Number : XXXX be investigated and removed from my credit report. I demanded that any information the creditor could not provide be deleted. I never received a response from Equifax Information Services. In XX/XX/2023, I filed a complaint with the XXXX XXXX XXXX against XXXX XXXX XXXX XXXX and was issued Complaint ID XXXX, which the XXXX XXXX XXXX stated the following : Dear XXXX XXXX, Re : Complaint ID XXXX ; XXXX XXXX, XXXX We are not able to pursue your complaint because we believe the company is out of business. Your complaint has been helpful in advancing our efforts to report on this company. 
If you wish to pursue this issue further, you should contact a legal advisor, your state 's Attorney General 's office, or your local consumer protection agency. If you have any questions about this issue, please do not hesitate to contact us. 


Based on what the XXXX advised, I chose the third option and filed a complaint with the Consumer Financial Protection Bureau because I believe Equifax Information Services used a stall tactic to border not following the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-09
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed some money to XXXX back in 2017. They sent my account to a collection agency ( XXXX XXXX ). The latter contacted me and I paid them and the cases was settled and closed. After two years, EOS CCA ( another collection agency ) reported to XXXX that I owed them {$59.00}. I explained to them that I paid XXXX XXXX and the case was settled and closed but in vain. This company has been doing to a lot of people as I read online. I have a bank statement showing I paid XXXX XXXX. By the way this company is out of business as I checked online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions 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:
XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX is furnishing information from XXXX XXXX, XXXX. In addition, XXXX XXXX is involved in Racketeering Activity along with XXXX XXXX, XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, Consumer. In addition to receiving proceeds derived from such Racketeering Activity. Convictions of Racketeering Activities carry up to a XXXX XXXX XXXX of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXX XXXX XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.

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 2017-05-08
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern, Quicken Loans advertises financing as easy as 1-2-3 but that is not the case. In fact many real estate agents I have worked with say quicken is not a good way to go. A : Quicken has held me hostage to " conditional '' approval of my loan- even after all of my objection deadlines for the property that I am under-contract for. This strategy gives them the upper hand and lets them set the terms. B : Quicken requested repairs to the property that were not requested by the appraiser and not considered an impact on the valuation of the home. They said, " Its something they just wanted done. '' It almost killed the deal, cost me money on a property I do n't own yet and made it impossible to do an appraisal objection since it was quickens request- not the appraiser. C.Quicken has asked for documentation for every amount down to {$100.00} going in and out of ALL my bank accounts. Basically causing me the inconvenience of 'freezing ' my account activity so that they will not HARASS me with any more documentation requests.
D. Quicken keeps on coming up with new " problems '' they had n't noticed before like asking me to pay off my auto-loan to qualify AFTER they had already qualified me. The auto-loan had been there all along. It is my professional opinion and that of my legal counsel that quicken is doing whatever they can to block this loan. E. Quicken has repeatedly attempted to find ways to charge more points to my loan so that it is more profitable to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened or tried to open a savings and checking account with Bank of America in my name. Apparently the scammer got my name and social security number. I got three email notifications from Bank of America that an account was created on XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and asked if they could flag the account or close it as it's not mine. They said in order to confirm my identity I would have to visit a Bank of America branch with two forms of ID. There isn't a Bank of America anywhere near me, not in my state at least. So I have no claim number or ability to follow up with Bank of America since there isn't a branch location in my state. They sent me a link to schedule an appointment with a bank branch but again, there is no location near me and even if I wanted to schedule an appointment I can't because it requires an account number which I don't have because I don't bank with Bank of America. So now I have to call all the credit agencies and figure this out on my own because Bank of America can't figure out a system to prevent this or even help reconcile this.

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 2017-12-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation