BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX  {$380.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On today X/XX/2016, I received a notice in my email from XXXX XXXX that a new account was added to my credit report. After login into my account I found out that the account was from a XXXX XXXX XXXX in the amount of {$120.00}. XXXX XXXX XXXX was notified by phone ( to number XXXX to XXXX XXXX and XXXX XXXX ) that they were in fact in violation of the FCRA, FDCPA for placing this alleged account on my credit report without prior notice in written as required under Federal and State Laws. I have no knowledge of this alleged account, never received and prior written notice before this alleged account was placed on my credit report and after it was placed on my credit reports. They are required under FCRA 1681-s2 ( b ) to verify any alleged account before reporting it to the CRA 's.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: LA
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm trying to buy a house and noticed several inquiries that were unauthorized. According to 15 U.S.C 1681 law, there should not be any damages on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo Bank - I have submitted multiple complaints via the CFPB & the responses & or partially answered, not answered or no resolution has been done.. My complaint is that Wells Fargo has a NO GRACE PERIOD AND TAKE FEES FROM LOANS FIRST AND AND THEN APPLIES REGULARLY SCHEDULED PAYMENTS AFTER FEES ARE DEDUCTED. These LATE CHARGES deducted first results in PARTIAL PAYMENTS and therefore OVER 30 Day Collection items appearing on the credit bureau. These fees collected first have caused negative and derogatory credit being reported which is not accurately reported when scheduled loan installment payments are made on accounts. This practice is deceptive and puts negative items on credit bureaus due to a no grace and fees applied first then principle schedule payments applied last on customer accounts. Wells FArgo is deceptive and hides these practices to both customers and to the consumer financial protection bureau by not fully addressing my several submitted and previously sent requests

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 2017-04-06
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
11 months ago I submitted a loan application with Quicken Mortgage Loan Company to refinance a home loan. I provided all of the information the representative requested, an appraisal, pest inspection, XXXX for me and my wife an array of different documents and information all over a two month period to be told that the loan was not approved. the expense incloded {$400.00} appraisal, {$25.00} pest inspection and a XXXX point drop in my credic score because the company ran my credit report several times under different company names. Each week a representative from the company would call making additional and repetitive requests for the same information implaying that the loan was in the approval stage to string us along to the point that we could not go through another company to seek a lone because Quicken ; s multiple inquiries precluded us by dragging down our credit score. Unfortunately, Quicken failed in their promise to complete the loan. 
Two weeks ago my wife made an inquirery with Quicken again to secure a VA mortage loan. Again we provided all the information. The representative stated that the loan was in the approval phase. Today the representative stated that he needed me to file my XX/XX/XXXX taxes which are not due until XX/XX/XXXX. I informed the representive that I may have to request for a tax extension because I have business deductions. He stated that although he has my XXXX for XX/XX/XXXX, Quicken needs my XX/XX/XXXX taxes to be filed before the loan can be approved. I think that I have been mis led by deceptive loan practices and I feel betraied by the mis representation by Quicken and their loan agents and practices. Quicken could have informed be prior to me signing th papers for my credit information that I could not have income tax which showed adjusted income on my tax information. Quicken representative should have informed me that the amount of the loan request required me to have a specific income to qualify for the loan. If I could have been informed on the front end, I would have not have proceeded with the credit request, Now although I don ; t have any negative results on my credit score because of all the inquiries by quicken my score droped. Therefore, if I wanted to obtain a loan through another lender my score after their inquiries prevents me from applying to another company for two years. The inquiries that Quicken will remain on my credit file for a two year peroid. Quicken is not a prudent company and their loan procedures are deceptive and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 number : XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXXXXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX  Account number:XXXX 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 non-monetary relief
Consumer complaint received 2022-01-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a text message from XXXX bank telling me that my account had suspicious activity of XXXX. There was a link to click on to fix this problem. When I tried to call the phone number it went to voice-mail so I went to the web address given and it looks like a XXXX website, however, you can not proceed to any site function via site navigation without inputting your personal password/code and account information, ie account numbers, social security number, etc... I sent this to XXXX fraud department and to an antiphising department for fraud/theft. I am now reporting it to you. I hope you are able to locate these criminals before they steal any money or get any personal information to ruin others credit worthiness or banking information. I am enclosing a screenshot of the text and my personal information so you can contact me further if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
I was getting gas at a convenience store when I gave the attendant  my XXXX XXXX credit card. He tried to charge {$1200.00} on the card and XXXX  XXXX declined it due to suspicios activity. I did not know this until after I gave the attendant  my American Express for {$15.00} in gas and he then charged the {$1300.00} on the American express card. Within about 20 minutes I saw that a few charges were on my American Express card that did not make sense and XXXX XXXX had declined the {$1200.00} attempt. I immediately contacted American Express to report the fraud ...!!! I was told that " Pending Charges can not be disputed ( I have this inwriting from American Express and written chat from me reporting the fraud and them doing nothing about it except charging me the {$1300.00}. I could see if I had waited but I reported it immediately and thank XXXX XXXX XXXX declined the suspicion charge since buying a large amount of anything at a gas statin would be ridiculous!!!! 


XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Card Member : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2023-09-04
Company: EQUIFAX, INC.
State: MI
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. US DIST CT XXXX. Please delete this item ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Due to ongoing issues with a foreclosure case that is still open in XXXX XXXX, MD, Bank of America and their agents sold my home from underneath me, without a final ratification. I am trying to buy a home and it has been reported that there was a foreclosure in XXXX, but that is false information. Bank of America filed foreclosure paperwork against me in XXXX when I was only 2 months behind. They then bought the property back at auction sale on XX/XX/XXXX. Not XXXX. In XX/XX/XXXX, my home was sold to a realtor by the name of XXXX XXXX XXXX XXXX, of XXXX XXXX, XXXX XXXX, XXXX, who only wants the home to sell for investment purposes only. Bank of America has committed fraud and the Circuit Court did not have a final ratification on the actual XXXX sale to this day. This in turn is hurting my chances with getting new lending opportunities to get a new home because lenders require a 2 year removal of the foreclosure. 
The XXXX of Maryland Land records apparently is reporting that there was a foreclosure thanks to Bank of America 's agents, and that is not the correct title information. I am wrongfully foreclosed on my former property, and I am still in court trying to rectify the case with actual facts. However, there is no way to speak with Bank of America over the phone or get a clear response through the mail, because they tell me to speak with their law firm, XXXX XXXX XXXX and XXXX XXXX XXXX. They are the law firm who are the agents that wrongfully stole the home through false reporting to the XXXX of Maryland government that they had the rights to the home, and filed a Deed transfer ... without a final ratification per Maryland Law. Bank of America also wrote off the entire amount of my home to me for my XXXX taxes by claiming that I abandoned the property through a 1099-A, but that is not true neither. I am seeking help in correcting the title reporting of a supposed foreclosure, when it is still open and ongoing in the courts, and the reversal of the sale of the home. This is causing a hardship upon me at this time as a XXXX XXXX. Please note the other complaints since XXXX over this same former lender who bought my home loan, and the excuses given to CFPB over this same problem. I am hoping that action actually occurs because Bank of America will always continue to say to this government agency that they have done nothing wrong, and that the " foreclosure, '' was just. The home was never foreclosed upon officially in the Courts because it is still ongoing, not XXXX. Thank you. 
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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 : Account Name : XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2017-03-30
Company: The Receivable Management Services LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a debt from XXXX XXXX XXXX on my Credit Report that is showing up on all XXXX major Bureaus. The collection agency is Receivable Management. XXXX XXXX XXXX, XXXX PA XXXX. Their phone number is XXXX. The account # it 's listed under is # XXXX. The total is listed at {$330.00} dollars. I have called XXXX several times now, and they have informed me this debt is nowhere in their system, that it is non existent. I called the credit agency and informed them I would be filing a compliant with you guys, they said go ahead and do so. I 'm trying to buy a house and this bogus collection is costing me thousands of dollars. I 'm requesting it be removed from all XXXX major credit bureaus. Thank you.

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