BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX XXXX XXXX stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 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 2021-12-21
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:
Equifax is reporting the following alleged medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt - 2 ) if it is my debt Who I owe and where to pay! I have already disputed with Equifax multiple times over 4 - 6 months and still I do not have further information about the alleged debt listed below. 

I have a right an account credit files and these type of inaccuracies are unacceptable. 

Account No. XXXX XXXX debt is duplicate two different amount being reported {$1000.00} and {$2500.00} Account No. XXXX This account has no company name and it is also duplicated on my credit report the amount {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
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 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 explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reviewed my credit report recently and I noticed that there are incorrect addresses that should be removed. I have tried to resolve this issue with equifax before and no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my repeated attempts to rectify this situation, the fraudulent accounts continue to plague my creditworthiness and financial stability. However, it seems that my efforts have fallen on deaf ears, as these fraudulent accounts remain uncorrected. 
XXXX XXXX XXXX XXXXXXXX The continued presence of these fraudulent accounts on my credit report is nothing short of an outrage. They have inflicted severe damage on my financial reputation, making it virtually impossible for me to secure credit, obtain reasonable interest rates, and work toward my financial goals. It is beyond comprehension that your agency has failed to take swift and effective action to rectify this situation. 
Your agency 's failure to address this issue effectively is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The scoring models used by the credit agencies are CLEARLY FLAWED as shown last XXXX when XXXX reported millions of inaccurate scores to lenders and absolutely damaged consumers. 
The use of SCORES should be abolished and we should return to the days when a lender actually had to look at the report, study the person 's creditworthiness, and make a decision. 
I plan to file legislation through my Congresswoman to abolish all credit scoring. 
The bureaus should opt to remove it themselves PRIOR to this because a class-action will be part of 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
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: OH
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 received my credit report and noticed that I had some hard inquiries that I didn't recognize and would like to have them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX i closed my XXXX XXXX service and i also turned in equipment used. On XX/XX/XXXX I received mail and phone calls stating i owed on the account. I asked for verification by mail on XX/XX/XXXX ; I never received a reply from Convergent Outsourcing about the collection. I disputed the collection with all three credit reporting agencies numerous times. On XX/XX/XXXX I requested another verification of the account and was mailed a bill with a date in XX/XX/XXXX after i paid and closed the account. The bill that was sent had no description of charges, only a total due and my name.

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 2015-07-06
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage on XXXX XXXX, 2015. I called on Nationstar on XX/XX/XXXX to confirm that the pay off was received and credited to my account and the automated system reported that I still had have a balance and a payment due. Nationstar 's phone system does not provide a menu option to speak to a representative. With great difficulty, I was able to reach an agent named XXXX by " lying '' to the system and telling it that I wanted to make a payment by phone. XXXX confirmed receipt of the pay off funds and adivsed that an escrow refund of {$1300.00} would be mailed to me within 18 days of pay off. On XX/XX/XXXX, I called back and spoke with XXXX. I notified XXXX that their automated system continues to say that I have a balance and a payment due. She again confirmed that the pay off was received and credited to my account. She could not provide an explanation for the system still showing a balance but advised that it would be corrected. She also advised that XXXX had given me correct information as escrow refunds are retirned within 30 days of pay off. On XX/XX/XXXX, I called back to investigate why I still have not received my escrow refund. The automated system continues to say that I have a balance and that I am overdue for the payment due on XX/XX/XXXX. This time I spoke with agent XXXX who again could provide no explanation. I expressed my concern that this account may report late to the credit bureaus. He responded with " Well, if that happens, just give us a call back. '' This is unacceptable! He also advised that my escrow refund has not yet been processed. I explained that my understanding is that the law requires that escrow refunds be mailed no later than 30 days after pay off. XXXX said that I would need to speak with someone in the escrow department and that he would transfer me. After over 20 minutes on hold, a representative named XXXX picked up but was apparently having phone problems and could not hear me. I called back and searched through the menus for the escrow department. After another 30 minutes on hold, I hung up in frustation. Altogether I have spent approximately 2 hours on the phone and on hold with no resolution for this problem in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Bull City Financial Solutions, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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:
I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I went and loo at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX and XXXX XXXX XXXX. 
I got contact with FTC and i have call police

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX   XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX had a lawsuit in XX/XX/XXXX. 
The for-profit company that operates XXXX XXXX Colleges in XXXX, XXXX and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} million in loans for XXXX former XXXX students.Kentucky Attorney General XXXX XXXX and other attorneys general Monday announced a settlement in which XXXX XXXX XXXX will forgive {$100.00} million in outstanding loan debt held by more than XXXX former students. 

The state and federal settlement with one of the nation 's largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} billion. 

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness. 

*Indiana Attorney General XXXX XXXX XXXX the deal will provide {$5.00} million in loan forgiveness to XXXX XXXX students of XXXX XXXX College and XXXX XXXX XXXX, i also did not receive my {$1300.00}. Due to this sallie mae closed my accounts but did not remove them. I would like them removed also

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 2021-06-02
Company: MoneyLion Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I disputed numerous duplicate charges on my account, they were supposed to investigate and instead they closed my account and sent me the following message. I need help getting the duplicate charges back from my checking account that they closed. 

Hello XXXX, Yes, I do apologize, it does appear that your account has been closed due to unusual activity and can not be reopened. We will attempt to return any funds that were deposited into your account to the originator. You will need to work with the originator to receive your funds. If the funds cant be returned they will be escheated to your state of residence upon reaching dormancy, which varies depending on the state and can take up to 3-5 years. 

For now, I will be closing your complaint. 

If you would like to reopen your complaint, you can do so simply by replying to this email with your complaint reference number and best contact information. Once I receive this from you, I will gladly reopen your complaint and reach out to you directly to discuss this further. 

Thank you for choosing MoneyLion! 


XXXX XXXX XXXX Customer Advocate | Escalations MoneyLion Customer Advocacy XXXX XXXX. XXXX XXXX, XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon review of my EQUIFAX credit report, I am made aware of fraudulent activity on my credit file. There is a total of 9 inquiries on my report that have not been authorized by me in pursuit of any credit. These inquiries are fraudulent as i have not signed any applications for these companies nor have i made any request for the extension of credit. I have found numerous fraudulent unauthorized inquiries on my EQUIFAX file. Listed on my EQUIFAX report as of XX/XX/2023 is total of 9 fraudulent inquiries listed below : 1. XXXX XXXX XXXX 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX 4. XXXX, XXXX XXXX 5. XXXX XXXX, XXXX XXXX 6. XXXX ( XXXX ) I HAVE NOT AUTHORIZED ANY OF THESE COMPANIES TO ACCESS MY CREDIT FILE FOR ANY REASON. THERE HAS ALREADY BEEN A PRECEDENT SET FORTH REGARDING INQUIRY REMOVAL AS A RESULT OF IMPROPER USE OF MY USE OF MY CREDIT REPORT GIVEN THAT MY CREDIT REPORT HAS BEEN FURNISHED WITHOUT THE PROPER VERIFICATION AND CONSENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is showing an account on my credit report that isnt mine. 

Account is called XXXX I have filed an FTC report and sent several certified mail disputes as well.

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 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
good afternoon, I am verifying the status of my complaint ID XXXX and it reflects the system that CFPB closed my complaint, which I have not received yet any response from the bank which I have the problem, nor have I notified you that my matter is resolved, I made another complaint where it indicated that the problem has not been solved, but a closed complaint continues to appear, I would like to know what is happening, and because the bank has not yet given me an answer, I really see it unfair to beg for my money, the bank has every right to close my account for whatever reasons it wishes, but the money that was in the account is mine, thank you, please, review my case again. 

Cordially greetings 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 2021-12-21
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX sold my mortgage account to another company called XXXX and I am on time with all of my payments. XXXX XXXX XXXX is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
please i had Fraud Alert on my credit Report and i received Alert email from XXXX XXXX change on transunion by bank of america someone applied for some Credit type and already contact bank of america and complaint and deactivate credit card to replace and change user and password and now i'm asking to remove Unauthorized hard inquiries from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX due to Unauthorized and Fraud alert already on my report XXXX XXXX month ago and i already contact them

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 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2018-09-25
Company: Assured Financial Partners
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company called a family member and my place of work multiple times, starting XX/XX/XXXXst and continued calling on XX/XX/XXXX. They told both they were trying to collect a debt from me. They did not call me or try to mail anything to me. When I called them, they told me the original creditor was a day away from suing me and I needed to pay XXXX XXXX XXXX that day. They only sent me an " offer letter '' email ( attached ) and would not send me any physical mail. They gave me no information to validate this alleged debt, and the bank says I don't owe them money and they were not in the process of suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
During the 2nd week of XX/XX/2021 I stopped by the 5/3rd Bank in XXXX NC to close my checking account that I have not used for more than a year. The teller gave me cash money and told me she could not give me anything to state I closed my account. Odd to me not to get something stating I closed my account. In early XXXX I received a Overdraft Notification : Immediate Action Required letter Dated XX/XX/2021 from said Bank. On XX/XX/2021 I called the number provided and was on hold for a period of time till I could talk to someone. The girl I talked to ( XXXX? ) about the overdraft fee that couldn't be since I have not used the account for over a year and just closed the account, said she would take the {$11.00} fee off and close the account that was already closed?? I asked her to send me something stating my account is closed, she said she can't do that?? About a week latter I receive another Overdraft Notification : Immediate Action Required letter Dated XX/XX/2021. Time to file a complaint.

Company response to consumer: Closed with explanation