BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: NV
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 {$0.00}, {$0.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.

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 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I used a XXXX XXXX credit card to make a large purchase, and paid it off the following week, I got a message from XXXX XXXX saying my score went down, when i checking Trans Union lowered my score by 49 points, because i used the card?? it was not over my limit and it was paid back right away, why would this be allowed and for that many points is just crazy, and not fair to the consumer at all, seems this is a win win for the credit companies, but consumer lose all the way around and i called twice and both times while the agent was speaking with me the call was disconnected, poor customer service and no resolution as they dont even give you a chance to speak, they have a standard corp speech the hand out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hi I paid off with my credit card bill, but there is a bad score for late paid. 
Is there any way can help me take off the bad score from my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017 I paid XXXX directly for the amount of {$180.00}. Ive disputed this multiple time and convergent keeps saying everything is accurate.i have submitted proof it has been paid.

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 2017-08-04
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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: Account status incorrect

Complaint:
In XX/XX/2013 I did open a car loan with XXXX XXXX. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.

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 2019-03-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XX/XX/2013 I did open a car loan with XXXX XXXX. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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 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 an Identity theft/Police report which is attached along with proof of my Identity. The information is not information relating to any transaction by me, XXXX XXXX. 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 :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern ; I check my credit and notice some fraud accounts on my credit that I did not Authorize. I have no Knowledge or have I open any of these Accounts This is fraud, and I want to put a fraud Alert on my credit so that this will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
the fcra requires all beureas to report factual and accurate information at all times and these invalid accounts on my credit report are in violation of fcra sec 609 and 623 - b as well as fdcpa 807-8 i request with legal rights that these incorrect accounts be removed immediately or i will procede with civil litigation for violations of the statutes

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 2020-05-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX THRU XX/XX/XXXX I have made several attempts to these companies but never gotten to any person to assist.

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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my current credit report for the month of XX/XX/2020. I noticed that Transunion is inaccurately reporting the following Inquiries without my consent. 

1 ) XXXX XXXX on XX/XX/2020, I did not give transunion permission to release my information to XXXX XXXX XXXX, This action is a violation of federal law Section 1681 of FCRA rules. 

2 ) XXXX XX/XX/2020, I did not give my consent for TransUnion to release my credit information to the company under the name XXXX, there was no permissible cause, no line of credit was awarded, no loan was awarded. This is a violation of federal law.

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 2020-08-22
Company: EQUIFAX, 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 LOOKED AT MY CREDIT REPORT AND SAW A XXXX BILL. THIS ACCOUNT IS NOT MINE NOR DID I BENEFIT FROM THIS ACCOUNT IN ANYWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted the company on XX/XX/XXXX to resolve a matter after speaking with the original creditor. Told them that they had no legal authority to collect the debt since there was no contract between myself and their company as they were a " debt purchaser '' who buys collections in bulk and would not settle the matter for a reasonable amount. 

Negotiated with them and paid for them to close the account in a positive manner - they are still reporting to the credit bureaus that the debt is a bad debt and in collections when they stated they would report positive information within 72 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CarMax, Inc.
State: MD
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:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been unable to get in touch with my mortgage company to ask about a streamline refinance for a new rate and also to remove my PMI. Everytime I call, I'm on hold for 45 minutes or more and have to hang up because I only have so much time on breaks from work to speak to them during business hours. I know these are two separate issues but I can not get a live person on the phone to address my questions about either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 LOOKED AT MY CREDIT REPORT AND SAW A XXXX BILL. THIS ACCOUNT IS NOT MINE NOR DID I BENEFIT FROM THIS ACCOUNT IN ANYWAY.

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 2021-05-06
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hunter Warfield debt collection added to my credit report false information. They listed I owe {$520.00} to XXXX XXXX XXXX The apartments never gave me back my security deposit after contacting them several times. A XXXX day notice was given to the XXXX, XXXX, I was leaving because of noise complaints they never resolved. He agreed. I have the original email from him. The apartments have my address and my mail was forwarded. I never got a notice ( certified mail by law in XXXX ) that they were keeping my deposit. All of a sudden, a {$520.00} collection is put on my credit report. No phone calls and no letters. I want the agency to pay for damages of my credit dropping XXXX points and not following the law. I want to be compensated now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have overdraft protection for my checking account with SunTrust. Yet I was charged {$180.00} in overdraft fees which 5 {$36.00} overdraft fees were charged. I had money at the time when these transactions were taken out. The money was debited from my account. I don't know how I was charged {$36.00} for 5 transactions. Which I had money in my account to cover those transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo has been violating my rights as a natural person and federally protected consumer under 15 USC Chapter 41. They have been claiming to be the creditor and claim that I owe fraudulent debts. I am the Original Creditor- Per 15 USC 1602 ( g ). I sent an Affidavit of Truth to them ( attached ) via certified mail informing them of the violations ( & proof of each- which are attached ) they have committed that have caused much harm to myself, reputation, and overall quality of life. The Affidavit of Truth was received on XX/XX/2021 ( as shown in one of the attachments ) and they responded with the letter attached and dated as XX/XX/2021. I did all steps needed to exercise my rights and Wells Fargo is not complying. This is not my debt to pay back!

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 2018-04-27
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I discovered a debt owed to Citibank on my credit report while attempting to finance a new home purchase. we contacted Citibank to settle up with them but they are refusing take payment or work with us in any way due to the account being in an " unworkable status '' thus holding my credit hostage. i spoke with XXXX id # XXXX who refused to work with us or escalate the contact to somebody who could. we just want to pay this and get it off our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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: Account information incorrect

Complaint:
XXXX damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by XXXX failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: NATIONAL ASSET MORTGAGE, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX, I signed a contract for deed with XXXX XXXX, and XXXX XXXX XXXX, which now calls itself National Asset Mortgage. I was excited to get into my own home, so much so that I didn't read the fine print. Well after becoming late during a medical catastrophe, I came home out of the hospital on more than 1 occasion, to a big note taped to my door for all to see, that read I had to vacate property within 11 days for being late on my payment. That should have been my first sign. So after digging into my contract I signed with them, I found they were charging me 10 percent interest on my " mortgage ''. After years of dealing with them, and a few notes taped to my door ( which was done by a management company of some sorts ) not by a law enforcement agency, it was greatly stressful, and quite honestly embarrassing considering I was going thru medical issues, and always got caught back up. I had been approved for the goverment program called hardest hit fund, which was willing to pay the house off, and at the time, nam refused to work with them, because they said they weren't a mortgage company and couldn't accept their payment. Fast forward to know, and I have been divorced from my ex-wife for some time now, and my ex-wife who was not on the contract was awarded the house. And was to handle all transferring of said house. Well needless to say, she hasn't, i have tried everything possible to work with them to get this done, so it can be removed off of my credit and they will not. So not only did they publicly shame me for a medical issue and being out of work, deny working with a place that would have paid the house off, gave me an astronomical interest rate ( is that even legal ), reported to one of the bureaus one thing, and another thing to the other 2, including that the loan was only for 30 months. When it was supposed to be 30 years, but now they refuse to help me by removing it.. it has caused me and my family a great deal if distress and has prevented me from getting into a new home ... please help with this predatory loan place, and there threatening collections tactics so others don't ever have to go thru that embarrassment The company just had a judgment against them by this bureau on XX/XX/XXXX for somethine else as well. 
They are listed as XXXX, NAM out of south Carolina.

Company response to consumer: Closed with explanation