BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, 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:
SEE FTC AND EQUIFAX REPORT : ERRORS SEE ATTACHMENTS : XXXX XXXX XXXX XXXX WRONG XXXX XXXX XXXX WRONG Social Security Number xxxxx XXXX CORRECT Age or Date of Birth XX/XX/XXXX XXXX  CORRECT XXXX XXXX XXXX XXXX hippa VIOALTIONS. 
MORE WRONG INFORMATION WILL UPLOAD IN ATTACHMENTS FOR ALL PROOF XXXX XXXX  XXXX XXXX XXXX  DATA BREACH OR FCRA VIOLATIONS I'M NOT THE EXPERT YOU TELL ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX at around XXXX i was contacted by Financial Account Services Team ( XXXX  ). I had paid 2 accounts off XXXX XXXX and the rep was telling me the accounts were still open and that i had never made a payment. I supplied her with the Receipt number from where i paid it. She still insisted i owed the money. I asked for a supervisor. The next person on the phone proceeded to say things like " you must be one of those dads who do n't support his kids '' she ended up hanging up on me with other words said back and forth. I called back and talked to rep XXXX at ext XXXX. She quietly told me she over heard the other rep and she was new and she spoke out of line and gave me the owner XXXX XXXXXXXX XXXX name. She also advised me that the money i paid on XXXX was applied to a different debt account that i did n't even know i had and that it could n't be reversed that only XXXX could do that. I called XXXX today XXXX. After arguing with him over the debt he is threatening legal action against me on the debt that the payments were applied to. He did reverse the payment to the correct accounts but is now threatening legal action on account i have never received notice of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ATG responded on CFPB XXXX # XXXX, they'll remove collections account from my credit report and send proof of debt on XX/XX/22. As of XX/XX/22, I was notified that this account is reporting on my XXXX and XXXX credit report when at first it was only reporting on XXXX. They stated that'll remove it it should've been removed immediately instead they posted this unverified account to the other credit bureaus. If this account isn't removed from my credit report by end of business day on XX/XX/22, I will file a complain with the attorney general and a small claims against them and request that they pay all lawyer'e fees as they're validating my consumer rights to be informed of this debt. The documents that they provided in the previous case showed a 0 balance so this make me think they're con artist and they need to be sued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-11-08
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
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 XXXX ( XXXX ) inquiries on my credit file from this bank, dated XX/XX/XXXX & XX/XX/XXXX. I have not applied for credit with this bank, and have requested documentation on two occasions supporting their permissible purpose in accessing my files. I have received nothing but a brief letter stating that they had no documentation, as the applications were submitted on-line. My second request garnered no response at all. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ], this access can only be obtained " In accordance with the  written instructions of the consumer to whom it relates. '' As they have no such written instructions, accordingly, these inquiries must be removed from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This XXXX mtg co is the worst. 
They bought my mtg. in XX/XX/2019. When I went through refi they found out that previous mtg co did NOT pay last quarter taxes. Now after 2 mos. of getting everything in order they tell me I MUST pay the taxes again in order to close on refi. I pay my taxes every month. Plus,  I was told that we were closing on the XXXX and now I do not have XXXX XXXX payment. 

This is XXXX  XXXX!! The old mtg co said they would pay the taxes & penalties. BUT, XXXX Off Roundpoint paid bot quarters and penalties. 

Now in order to close on my refi they want me to pay the taxes again ar closing and then wait for the refund from county which will take months, per county. 

I paid my taxes!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On various websites, XXXX XXXX keeps showing up as me - XXXX XXXX XXXX I was adopted and the only people I am related to are XXXX XXXX XXXX and XXXX XXXX of XXXX, WV. I was born in XXXX to a woman named XXXX and her last name was and is not XXXX, so it's not related. This woman tried to use my XXXX policy to report accidents to my XXXX account and it took me forever to prove the accidents were not me but her mixed with my identity. My social is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX va. I've never known this woman or any XXXX. SHe is a fraud and I need someone to detach my name from her as she has had accidents, lived in addresses I've never lived at, and it effects verification checks like on XXXX. When I try to answer questions to verify my ID, I get all but 1 wrong because of her fraudulent activity. Please help me XXXX is my old number to prove more verification. But now its 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 2017-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 recently ordered my credit report from XXXX and noticed a number of unauthorized enquiries.There were enquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke to a representative who advised me that nothing can be XXXX therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2021 are reporting on my personal credit file with ( Equifax/XXXX/XXXX ) credit reporting agency . These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my property in XXXX, WA that I had my mortgage with United Wholesale Mortgage closed on XX/XX/XXXX. My monthly mortgage payment was {$990.00} and I've been making payments on time every month. I never skipped or missed any payment. I had my payment automatically paid online every month on time for {$990.00}. I did not get any notification until I checked my credit report online showing my credit scores has been decrease from XXXX to XXXX due to UWM been negatively reported that I was late for XXXX and XX/XX/XXXX and I was charged {$45.00} every month for late fees even though I've been paying on time during covid pandemic. I've been on the forbearance so they should not have reported as late or charged me any late fees. 
I contacted UWM to have them remove any late fee and remove negative reporting on my credit but they've ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: R & B Corporation of Virginia
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is against XXXX XXXX XXXX located in XXXX, Virginia. I am a 100 % fully and permanently XXXX veteran of the armed forces and I am entitled to free emergency room visits, which I utilize often when needed. In XXXX of 2020 I noticed that my medical bill from this facility was on my credit report. It says the original amount is XXXX XXXX But the debt is showing XXXX. And it says the responsibility of payment is the individual but that is not true. What happened was XXXX XXXX XXXX failed to send my emergency room visit bill to the correct va entity for payment. Instead, they sent it to a debt collector. I have even tried to resolve this issue directly many times with the medical center and they refuse to send my bill to the va even though the va says they will pay it for me just as soon as they receive it from the hospital. Please help! I dont know how to force a hospital to bill my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 called target customer service via the number on the back of the card on friday XX/XX/XXXX. 
I asked to speak to someone about the late payments that were reported to my credit in XXXX, XXXX, and XX/XX/2021. I also explained I am trying to buy a house and those XXXX late payments are stopping me from doing so. 
I explained the company I worked for made us take a cut in pay due to co-vid 19. I emailed the ceo to ask for forgiveness doing a time I was not working. 
I received a letter from target stating they are not able to remove it from my credit report out of good will.I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. it also states a consumer reporting account can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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 a victim of identity theft and there are accounts on my report that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP XXXX CONSUMERS LIKE MYSELF

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 2019-08-06
Company: Williams & Fudge, Inc
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company name is Williams & Fudge , INC . 
Ive been receive called from them, threatening me multiple times. I got tired, they told me that I owned {$8800.00}. 
They send me a letter to make payment right away. I dont have nothing to deal with this Company. Today XX/XX/2019. They tried to collect my personal information. Im afraid my personal identity is not safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Ability Recovery Services, LLC
State: NY
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:
ABILITY RECOVERY SERVICES , LLC {$1400.00} they say it was opened XXXX this account was fraudulently opened I am a victim of identity theft please remove my name of this account as it is fraud and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Security Credit Services, LLC
State: NY
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:
Collection Agency SECURITY CREDIT SERVICES {$1700.00} this account is fraud and I want it removed. As I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all  of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP SCREWING CONSUMERS LIKE MYSELF

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 2022-03-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-07
Company: Aldous & Associates, PLLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a member of XXXX XXXX in the summer of 2021. I canceled my membership cause they discriminated against me for having a XXXX XXXX. I agreed to pay one month 's membership cause they were threatening to report false information on my credit report. I set a cerfted letter to Aldous and associates. They continued to harass me and call and send a threatening letters

Company response to consumer: Closed with explanation