BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX 21. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 22. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  23. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 24. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

DPTEDXXXX {$4000.00} XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. 
XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
8 mobile deposits were made to my checking accounts not by me and Wells Fargo froze my accounts and said they were closing my accounts by XX/XX/29

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 2022-12-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a XXXX XXXX, XXXX, XXXX all reporting in my report as per 15 USC 1681 These companies had no authority and/or permission to report my personal information. They are violating TILA, CROA, and FDCPA laws. I am requesting that my credit file is updated and removed.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: NV
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:
I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$310.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2022-12-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2018-05-22
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our home was impacted by Hurricane Irma, we reached out to our mortgage company Roundpoint for assistance, they provided Foebearance on the account where they deferred XXXX, XXXX and XXXX payments and in XXXX there would be a balance due for the the deferred amount including XXXX payment and if you were not able to pay the full amount they can offer further assistance for a modification review. I was not able to cover 4 months of payments so I contacted Roundpoint to advise would like to apply for the modification, I was able to resume monthly payments starting XXXX and have been making regular monthly payments since then, I was advised by Roundpoint that there was nothing needed for the review and my account would not have a negative impact due to the natural disaster. 
Well its XXXX now and there still no decision, Roundpoint has applied late fees and loan level advance fees for property inspections and has reported late to the credit bureau, I have reached out to Roundpoint regarding the matter they said they will adjust the charges and correct the credit report, as of today no adjustments have been made no correction to the credit bureau. 
My credit has been impacted on one of my credit cards with XXXX went from a credit score XXXX to XXXX where they lowered my credit limit on the card. 
When I call Roundpoint all they can advise me nothing needed its still in process Please I need help to get this issue resolved and the corrections that Roundpoint said they would do but have done nothing.

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 2017-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a follow up to my CFPB complaint # XXXX regarding Equifax continuing to report 4 accounts from XXXX XXXX XXXX XXXX XXXX that have not been validated and that contained the wrong address and phone numbers to contact the collection agency. Equifax responded on XXXX XXXX, XXXX, that " The following disputed items have been removed from the Equifax credit file : XXXX XXXX XXXX XXXX XXXX account number ending in XXXX, XXXX  XXXX XXXX XXXX XXXX account number ending in XXXX, FXXXX XXXX XXXX XXXX XXXX account number ending in XXXX and XXXX XXXX XXXX XXXX XXXX account number ending in XXXX. '' However, the credit report Equifax sent to me, dated XXXX XXXX, XXXX, still showed the same 4 accounts with the incorrect address and phone number. Also, I printed out a recent report today, XXXX XXXX, XXXX, and the accounts are still showing on the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account was opened on XX/XX/2023 the highest balance is of {$720.00}. 

The account was closed on XX/XX/2023. 

The contact info is : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX I filed an FTC identity theft report, which is attached below ; and, I have no consent of this 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 non-monetary relief
Consumer complaint received 2022-09-09
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:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Equifax did n't properly use it 's considerable assets to protect my personal data despite making insane amounts of money. Deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}

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 2018-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Dear CFPB Team I owned a Bank of America Credit Card for almost 4 years and have used it often for my regular purchases. recently on XXXX of XX/XX/2018 I responded to an advert on XXXX from XXXX XXXX about about buy one get one lXXXX XXXX   for {$4.00} and I felt it was a good offer and went ahead to purchase it using direct link from XXXX. on the XXXX XXXX page I placed the order and received receipt for {$4.00} and an email stating that my order is through. but there was no mention of my end pair of leggings. I promptly sent email to XXXX XXXX on XXXX of XX/XX/2018 stating the bill is incorrect coz I placed order during offer. There was no response to that and I wasn't sure what to do. I hadn't received the product until XX/XX/2018 and on XXXX of XXXX I wrote to XXXX XXXX  that the leggings were not my size and I don't k what to do. again there was no response and by now I had numerous charges on my account from XXXX XXXX  and I tried to call them @ XXXX but there was no response and then I reached out to bank and requested them to block the merchant which they couldnt and then I asked them to cancel my card and ship me new one. which they did I had changed my credit card thrice and somehow XXXX XXXX got hold of my new credit card and kept charging me {$49.00} monthly and by now I had 5 transactions of {$4.00} and 3 transaction of {$49.00} totaling my bill to {$170.00} and they shipped me 3 leggings without my  consent. and there was no response to my emails or my calls I explained this whole thing to my banker and they raised complaints but kept closing them on me and also said the time has gone by when they could have acted upon and merchant claims that I enrolled in some VIP program ( Which I did not and their claims are base less and they have numerous complaints on XXXX from folks who had issue with the way XXXX XXXX  in doing business ). am attaching document which has more info about my claims and amounts charged by XXXX XXXX. I got another number of XXXX XXXX  from BOA and contacted them and they assured to refund me {$64.00} and I did not see that coming through. BOA says they can not do anything in this matter coz merchant delivered product, whereas I never authorized those transactions and I changed my credit card too. so this is unauthorized transaction and I should be getting refund of {$140.00} from BOA. Also out of frustration I closed my account altogether coz this is becoming never ending saga for me.

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 monetary relief
Consumer complaint received 2019-09-07
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
On XX/XX/2019 I paid the full outstanding balance of {$6400.00} still showing to all the reporting Credit Bureau Balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-09-09
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:
I am reaching out to the CFPB today about illegal activities that Equifax is engaging in concerning my credit report. They have a XXXX XXXX posting on my credit report under the account # XXXX in which I will attach the documentation concerning this dispute. It has taken them well over 30 days to respond to me in which I sent a dispute XX/XX/2022 and they are just getting back to me now XX/XX/2022. That is well over 60 days and they responded with a stall tactic they told me that they need identification verification when I sent my driver license and social security card so that response that they generated is invalid. This company fails to do their job so I have to escalate this issue to the CFPB. Not only do they send me that they require my driver license, and XXXX card that I already provided them countless times as this dispute as been going on well over a year. I requested investigative procedures concerning this XXXX XXXX  account under # XXXX and they fail to provide that and furnish consumer information which is against their policy and my request as the Original Creditor. They are saying under 605 ( C ) of FCRA law that this account is mine and they are going to do another reinvestigation but where is the proof under 605 ( C ) that I was the one that obtained goods and services for this account. I have not been provided any proof that of this in which Equifax is taking sides with XXXX XXXX instead of doing their thorough job and investigation which is the reason why they are in a probe in the first place for furnishing incorrect credit reports and wrong information. Not only this I disputed an inquiry on my Equifax credit report a XXXX inquiry dated XX/XX/2022 and it was the result of identity theft and fraud in which I did not apply for this account or have any business with this lender/bank. The day after I submitted the dispute EQUIFAX told me that they completed this investigation within 1 DAY and that it was verified as accurate which is completely incorrect and falsified information. How is this fraudulent inquiry verified not only that how did they come to the conclusion within one day and it is under my understanding that any fraudulent activity that is on my credit report must be REMOVED upon notice to the credit bureau unless they can provide information that it is VERIFIED Which they did not allow me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving several calls and letters in the mail from a company called 1st Heritage Credit. They stated that they sent a live check in the mail and that I have cashed it or gotten a loan from them. However, I have NOT received any sort check in the mail neither have ever cashed one. I do know that all mail that looks like junk mail to me I just throw away. I never opened any mail I received from this company until one day when I got a nasty phone call from 1st Heritage Credit. I told them that I have not received a check from them, I have not cashed a check from them, I have never taken a loan out from them, have never did business with them and furthermore don't need too. However, they kept calling and continued sending me nasty letters in the mail and they are still doing so to this present day. I called the none emergency police agency twice and talked to an officer and had them look up the company. The police told me it sounded like a scam and the other person at the police office who looked up the company told me that 1st Heritage Credit has a scam alert. This company is still sending me these bogus letter, nasty letters at that about a debt I don't owe.

Company response to consumer: Closed with explanation