BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
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:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been writing the bureaus several times to dispute my student loans. The student loans are reporting with different info through out the 3 bureaus. According to the FCRA This is a violation and should be deleted immediately. I've pointed out things that are not correct several times and they just send letters saying updated and leave the accounts still showing negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
They're trying to collect {$610.00} from me but this debt is not with them it's with XXXX XXXX in XXXX XXXX has sold it to them and they have no proof that I owe the debt with them thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Monday XX/XX/XXXX I deposited 3 checks from the same company to a branch of Bank of America. I have been getting checks form this company for a while now. 
1 of those checks cleared immediately but the other 2 totaling {XXXX} were put on hold by the system. 
I reach out to BofA customer service the day after XX/XX/XXXX, and I was told by the Supervisor ( XXXX XXXX XXXX XXXX ) that she couldnt help me that same day due that the checks were still " processing '' but to call back in 1 day and the would release the funds then. 
I called again XX/XX/XXXX and another Supervisor ( XXXX # XXXX ) told me that she couldn't help me and I had to wait till the XXXX to release the Hold and the other supervisor was wrong about this. 
This was not the first time that BofA put a hold on a check I deposited but they always and I mean always helped me after a long phone call to release the funds. 
My account is now in red and if there is not enough funds to cover a very important ACH I will lose my XXXX XXXX which will take me out of business. 
Bank of America didnt care about my situation and kept saying we cant Help. 
I need the release of funds immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$1100.00}, {$2100.00}, {$6300.00}, {$2800.00}, {$12000.00}, {$7700.00}, {$1700.00}, {$5700.00}, {$0.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened onXX/XX/XXXX, XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XX/XX/XXXXwith ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

6. XX/XX/XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$1700.00} -This is not my account. 

9. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- PERSONAL LOAN 10. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX, XXXX XXXX, and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX, XXXX XXXX, and AMEX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2022-11-02
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job during the pandemic in addition to my husband leaving and eventually a divorce. I had a true financial hardship, this all started pre-pandemic in XXXX. 

As the pandemic hit and courts being closed and bank representatives not available as during pre-covid times. I was continued to be told the same thing by the bank representatives, that I need not worry and that at the moment the foreclosure would not be an issue and that once things normalized I would be given the opportunity to have the matter resolved. 

At some point I believe in XXXX the foreclosure was filed. I have tried endlessly to come to a resolution with the bank XXXX  to no avail. Now I heading toward my final court hearing/conference on XX/XX/XXXX and despite my multiple requests for resolution, everything from a modification to a proper breakdown to understand how we got to these figures. I was even granted a XXXX state XXXX to bring my loan current and since there is still a shortage of approx. XXXX, they aren't willing to work with me. 

I really need help in saving my home. I have been in this home for about XXXX now or somewhere abouts. I am back to work and can afford my mortgage, I see no reason for the bank to not want to come to an agreement with me. 

Please help!! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX R XXXX, TX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7800.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX  XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2018 as a perspective funding source for XXXX XXXX for a personal loan I had requested, XXXX XXXX requested and received a credit report on my person ( XXXX XXXX ) from Trans Union. Trans Union reported to XXXX XXXX  that my credit score was XXXX. When I pulled my report from XXXX XXXX shortly after seeing this information I then checked my score and it showed XXXX, I immediately informed XXXX XXXX that the score given to XXXX XXXX was erroneous. 

Fortunately the persons handling my loan documents took that data in consideration. But you can believe that the amount of interest I was offered on my load is much higher.

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 2023-10-28
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I SENT A CERTIFIED LETTER WITH DISPUTED ACCOUNTS AND XXXX REFUSED TO INVESTIGATE WHICH IN TURN VIOLATED MY CONSUMER RIGHTS. BELOW I HAVE ATTACH DOCUMENTS SUPPORTING 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 2023-07-28
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX and XXXX are horrible and thieves, they have taken me to collections for furniture I never received, I never signed an agreement with them and it is bizarre and crazy that almost XXXX  years to the date of supposed delivery and purchase I was taken directly to collections never receiving paperwork or letters. Heres the full story back in XX/XX/XXXX I walked into a XXXX  and XXXX store and wanted to purchase a couch, I applied for progressive leasing and was approved but was told the couch was out of stock given XXXX  and delays in shipments. I left my personal information at the store located in the XXXX, NY. I never signed an actual purchase agreement. Fast forward to XX/XX/XXXX ( XXXX yr later ) I received a call from a gentleman claiming to be from XXXX and XXXX talking about a purchase done a year and how progressive leasing did not cover the purchase now imagine my surprise as ( a ) I never received merchandise ( b ) never placed an actual order ( c ) never received letters, emails nor a phone call in the year from XX/XX/XXXX to XX/XX/XXXX. I dispute this transaction and order and I was told theyd investigate, great. I follow up twice with the company and never heard back until this past XX/XX/XXXX when I get a notification from the credit bureaus about a collections account from the XXXX XXXX regarding a balance owed to XXXX and XXXX again surprised and in utter disbelief. I reach out to the collections agency and dispute the charge and of course no help! I reported to the credit bureaus and its under investigation. I asked the collections agency for proof and all I received was a copy of a supposed signed delivery receipt which is XXXX because its not my email nor my signature. I have been transparent providing affidavits of fraud, disputing the account and working with XXXX and XXXX and the collections agency to get this removed and resolved and its been XXXX. No resolution. This is theft as they are charging me for an account I never opened nor had, I am being charged and unlawfully taken to collections for a purchase that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Harpeth Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Advance Financial and request for Debt Validation to request and letter verifying un the Fair Debt Collection Act to sent me and Debt Validation Debt Collection notice to sent to my XXXX XXXX XXXX Legal counsel At XXXX XXXX XXXX proir to my notifying them i am being Legally Represented by XXXX XXXX XXXX from the letter of representation letter to provide us validation of the amount {$330.00} dollar. 
And they refusing to sent and debt validation notice validating the debt collection account they is trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint to 5/3 regarding my mortgage. I have experienced nothing but incompetence bordering on negligence. I have follwed the process 3 times over the past 7 months for cancelling my PMI and consistenty am met with no response. I have submitted the form to have a XXXX XXXX XXXX  on three occasions, have recieved email confirmation of the submission, and heard no response. When speaking to representatives in that department, I was told they never recieved any documentation and there was nothing they could do. The following is a timeline of my correspondence with 5/3, for which I have records. ( EH refers to XXXX ; EP  refers to XXXX ) * XX/XX/XXXX XXXX : Me to EP - Sent first email request to cancel PMI based on LTV ratio * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX : 5/3 to Me - Received denial letter outlining next step options * XX/XX/XXXX XXXX : Me to EH - Emailed XXXX  authorization form following instructions on the denial letter ( first attempt ) * HEARD NOTHING FROM 5/3 for 2 months * XX/XX/XXXX XXXX : Me to EH - Sent follow-up email asking for status * XX/XX/XXXX XXXX : EH to Me - Received automated confirmation receipt of email * XX/XX/XXXX XXXX : Me to EP - Sent second email request to cancel PMI based on information received from two seperate customer service reps who told me my LTV ratio was under 80 %, I was specifically told 79.4 % * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX : 5/3 to Me - Recieved denail letter outlining next step options * XX/XX/XXXX XXXX : Me to EP - Sent third email request to cancel PMI explaining what was provided by customer service reps * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX XXXX : EH to Me - Received secure message email explaining that denial is based on principal plus deferral balance * XX/XX/XXXX XXXX : Me to EH - Emailed second XXXX  authorization form ( second attempt ) * XX/XX/XXXX XXXX : EH to Me - Received automated confirmation receipt of email * HEARD NOTHING FROM XXXX for 4 months * XX/XX/XXXX XXXX : Me to EH & EP - Emailed XXXX  authorization form ( third attempt ) * XX/XX/XXXX XXXX : EH & EP to Me - Received automated confirmation receipt of email

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX. I am a victim of identity theft. My consumer report is not in compliance with the Fair Credit Reporting Act 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the item in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of erreneous accounts reporting on my Credit Report : Late/Closed XXXX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX CARD-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation