BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX & XX/XX/2021 I froze my credit accounts with XXXX  of the 3 major credit Bureaus due to identity theft. There is information on my credit report that I did not authorize. XXXX XXXX XXXX  placed an immediate freeze on my account. The only credit bureau that has failed to take my accurate credit information & personal identification is Equifax. On separate occasions every day from XX/XX/2021 to XX/XX/2021, Equifax has consistently asked me about information I have no recollection of due to verification they continuously ask is, Fraudulent information that I never authorized. Clearly if credit accrued in my name was done fraudulently, I will not have information to it, because I never signed for it. All I need is a security freeze to prevent from further identity theft. If Equifax is the only credit bureau denying my true credit information, the only logical conclusion would have to be that Equifax allowed someone who fraudulently claimed they were me, file with my personal identification completely disregarding extra security measures. I need an accurate security freeze in MY name with MY true current up to date information. Using the proper security measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XX/XX/XXXX - I sent a letter to all 3 major credit bureaus and Bank of America, letting them know that I had been a victim of ID theft on this Bank of America account and to block the reporting from my credit report. Bank of America responded that the account had been verified accurately. 

XX/XX/XXXX - Bank of America sent out an ID Theft Affidavit for me to complete. I have completed the Affidavit along with the attaching a copy of an Incident Report and proper identification. 

XX/XX/XXXX - Bank of America reopened the fraud investigation on this account that is not mine. 

They have not provided any information to verify this account the first time I've disputed. I have given them more than enough time ( 3+ months ) and they have not resolved this account yet with no information to support why they believe it's valid. I can't continue to wait for them to take their time on resolving an issue that is costing me at the end of the day. 

I have been patient enough and have no choice but to file this complaint on 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 2021-02-24
Company: DriveTime
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX /drive time is reporting me 30 days late the month they received my pay off from the new purchaser my vehicle was sold XX/XX/2020 to XXXX XXXX a pay off was requested XXXX XXXX was informed bill of sale was reported to mvd /dmv pay off was made I have never been 30 days late with XXXX XXXX  in the XXXX years of having an auto loan with the company when i call they say their credit team will fight any dispute i have and report my final payment " my pay off " as 30 days late and there's nothing i can do about it I was in the process of buying a home and this hit dropped my credit score 44 points the fact that my history with them has been great and the month They get their pay off and im no longer stuck paying them thousands in interest i feel like they are punishing me when I have pay them in a timely manner I have already reported the company to the XXXX  because of of the mangers told me thats the only way i will get any help from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent XXXX and Experian as well as XXXX multiple letters challenging these accounts on my account by XXXX ... There are 5 in total ... XXXX, XXXX, XXXX, XXXX, XXXX. XXXX could not validate these accounts and deleted them. Its my understanding that Experian should follow suite as they nor XXXX can validate these debts. This is a clear violation of my rights and i demand that they delete this off my credit report and never report it again.

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 2020-07-14
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
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: Account status incorrect

Complaint:
Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer XXXX & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have applied for a credit increase with my XXXX credit card XXXX. Capital one denied me several times. Capital one reason was I was making low payments which is not true. My current balance is {$590.00}. My credit limit is {$3500.00}. I always make payments on time and way above minimum. No late payments. Excellent credit score. I want a significant credit increase based on my excellent credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: TX
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:
Per the direction of the Equifax I contacted the companies that made inquiries. The companies do not have record of the inquiries. I demanded by letters that Equifax remove the inquires according to FCRA. No written correspondence reply. I have called repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to open a checking account with TD Bank on XX/XX/XXXX. 
Information provided to TD Bank by a third party identification verification information company reports a fraud alert is attached to my post office box address so I can not open a new account. 
This information is incorrect because another person not related to me used my XXXX XXXX XXXX a few years ago for himself and his family. Numerous bills have arrived and apparently are unpaid resulting in a fraud alert related to my address. In checking with one of the credit report agencies, I have found that my credit is good and they have no fraud information reported related to my credit history. 
The matter is complicated due to the fact that this person has the same last name as me. TD Bank would not provide information to me as to the " third party '' company or companies they subscribe to for this service. so that I can attempt to correct the erroneous information. Any assistance will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-03
Company: Experian Information Solutions 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:
my identity was stolen and I have submitted the information to Experian at least 6 times since XXXX, they still will not remove all of the accounts. The accounts that were opened fraudlently in my name are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX  XXXX INQUIRIES XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-05-26
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account on XX/XX/XXXX with Citibank for a {$400.00} promotion with a {$15000.00} minimum balance requirement. I have well over {$15000.00} in my account. The banker I opened my account with XXXX XXXX confirmed my eligibility for the promotion at account opening. The money was supposed to stay the for 60 days and the bonus promotion to be credited to account within 90 days after the 60 days. It has been more than 6.5 months and Citibank still hasnt honored the {$400.00} promotion. They are scamming us. I have filed multiple complaints via the banker XXXX XXXX and Customer Service on XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX, a supervisor and XX/XX/XXXX and XX/XX/XXXX with XXXX a supervisor with Citibank and to no avail or response from 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 monetary relief
Consumer complaint received 2023-08-19
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 147 days and counting And still I can not prove I own the home I live in.

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 2020-05-26
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Several account balances are incorrect. Two accounts are paid in full. This shows my credit utilization as significantly higher 60 % vs actual 46 %. Ive tried contacting them online and by phone and there is no one to speak with. Accounts have reported to all three credit rating services. Current balance. Only XXXX  has updated the credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, i accepted an offer from CitiBank to transfer a balance from another credit card. under the terms of the offer, i paid CitiBank {$150.00} for a {$5000.00} balance transfer which would bear .99 % interest until XX/XX/XXXX. 
i had previously tranferred a balance with CitiBank which expired on XX/XX/XXXX and bore interest at 0 %. on XX/XX/XXXX and 15 i paid {$6000.00} to reduce the balance subject to the XX/XX/XXXX expiration. Citibank applied most of that {$6000.00} to reduce the balance subject to the XX/XX/XXXX expiration. 
Despite repeated calls, Citibank has refused to alter their allocation of the {$6000.00} payment. 
their explanation is based upon airline charges i made on XX/XX/XXXX which somehow altered the manner in which my payments were credited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: NCB Management Services Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is being sent pursuant to the provisions of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 

This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all consumer information be accurate, complete, and verifiable. This Act also requires that all third-party credit reporting agencies ( CRAs ) investigate the accuracy of any information they receive from creditors, debt collectors, or other sources. As such, I am requesting that you investigate this information and remove it from my credit report if it can not be verified as accurate and/or complete. 


I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00}. I am a victim of identity theft and I never opened this account. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$50.00}. I am a victim of identity theft and I never opened this account. 

Collection account from NCB MANAGEMENT SERVICE with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX $ XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$770.00} I am a victim of identity theft and I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My ex-husband secured a loan modification by forging my name and making false statements. As a result of his actions my name is still on a mortgage loan 4 1/2 yrs after divorce decree that can not be assumed nor is he able to obtain a new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Support Collectors, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent many letters to Summit Account Resolution to ask for verification of the debt, and Summit sent a letter stating that the account was verified, with no proof of me owing them. They did send a itemized letter with an address that I never lived at. I also reached XXXX about this and they only letters I recieved from them was stating the account was verified, but also had no proof of verification. I sent XXXX   and Summit many letters over a course of a year to send me proof of verification, not once have I ever gotten proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX is reporting incorrect information such as terms, amounts, balance, origainal balance to transunion.

i have asked to send contract that bears my signature no response.

they have been asked to verify no response but keep increasing there balance on loan monthly and when challenged.

Transunion also has fail to verify information and provide such information to me on several attemps to resolve this XXXX, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such 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 explanation
Consumer complaint received 2019-08-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Opend loan XX/XX/XXXX, lost my job after a year of payments. Auto was repo 'd. Never received any letters from Prestige Financial. Not sure if auto was sold. But the past due amount increases each month since XX/XX/XXXX. I have disputed this account through the reporting bureaus, it is validated each time. I disputed directly with Prestige Financial asking for paperwork proof, they did not respond.

Company response to consumer: Closed with explanation