BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: AL
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:
Subject : Request for Investigation and Removal of Unauthorized Hard Inquiry from Credit Report I am writing to file a formal complaint regarding hard inquiries that were placed on my credit report without my consent or authorization. I believe that this unauthorized inquiry is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 1681c, 1681g, and 1681i. I kindly request your assistance in investigating this matter and ensuring the prompt removal of the inquiry from my credit report.

I am well aware of the FCRA 's provisions that protect consumers from unauthorized or fraudulent activities that negatively impact their credit reports. Section 604 of the FCRA ( 15 U.S.C. 1681b ) clearly stipulates that consumer reporting agencies are required to maintain accurate and fair credit reporting, while Section 611 ( 15 U.S.C. 1681i ) provides consumers with the right to dispute any inaccuracies or unauthorized inquiries on their credit reports. 


The list below is the inquiries located on the credit report that are in violation : ** XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX fo In addition to these sections, the following provisions of the FCRA also support my complaint : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : This section requires that consumer reporting agencies have reasonable procedures in place to ensure that the information they furnish to creditors is accurate.

2. Section 607 ( 15 U.S.C. 1681e ) : This section mandates that consumer reporting agencies must maintain procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports. The unauthorized inquiry is evidence of a failure in their procedures. 

XXXX. Section 609 ( 15 U.S.C. 1681g ) : This section outlines the rights of consumers to obtain a copy of their credit report. I exercised this right and discovered the unauthorized hard inquiry, which has negatively impacted my credit score.

4. Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : This section entitles consumers to dispute inaccuracies in their credit reports. I dispute the unauthorized hard inquiry and request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Regions bank Collections is calling for a debt not owed, but misapplied by Regions employees in the Regions bank system. There is an elderly person at our number and the calls are interfering with ability to provide adequate and appropriate in home health care. Two Regions Collection agents over the past week were told no payments were due and the account up to date based on in person visits to bank branches over past two months. The first Collection agent spoke as if she took the information in a responsible manner and would follow up on status. Today 's Collection agent was clear after being told the above he did not care about the information we shared. He attempted to be intimidating and rude in the manner of a Collections bully. 

Two payments were misapplied within Regions over the past two months : one on bank deposit boxes, and one on the personal line of credit loan.

We went into a branch again today and found Regions employees misapplied our payment to the wrong place. They said their system showed ( 1 ) a {$90.00} outstanding due on what they term " the personal line of credit loan '' and ( 2 ) a credit of {$270.00} on what they call " the personal line of credit account ''. This is the same thing : the Regions Personal Line of Credit. What happened in Regions system is the loan payment was applied to the annual fee for the personal line of credit account. It is likely the payment for the annual fee was applied to the personal line of credit loan. 

We asked Regions main branch to process paperwork that no phone calls are to be made again, but communication in writing. 

We need to ensure Regions Collections does not process notice of late payments or other negative credit rating information against our accounts to any credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over the last year I have lost approximately {$3000.00} to fraudulent use of my Wells Fargo Debit Card. I have initiated three separate investigations and ordered three new debit cards and each one has been hacked and money stolen. Each investigation has concluded that no fraud is involved and basically I am a liar and a thief. The last debit card was shipped to me at the end of XXXX this year. I changed my user name, password and PIN number. Yesterday at XXXX someone attempted to withdraw {$21.00} from my account from an ATM three hours from where I live. Fortunately I have my card turned off so the transaction was denied. I called Wells Fargo yesterday and they were apologetic but they still stand by the results of their investigation that I am the one responsible. I am a senior citizen supporting my XXXX wife on my Social Security check. I dont know where to turn or what to do. Please help.

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 2018-02-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
0n XX/XX/2018, {$810.00} was taken from my checking account with Huntington Bank without my knowledge and concent by XXXX XXXX. I then called XXXX XXXX and was told they can take money out any time they want. My situation stems from a disputed debt with XXXX XXXX XXXX, which was acquired by Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$4900.00}.

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 non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: WA
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:
In XXXX my husband and I put solar panels on our house. At that time there were news stories about people having trouble with leasing them. So we purchased ours. We took the loan thru XXXX XXXX and were told they would put a lien on our home. We were told specifically that this would not be a second mortgage, but an installment loan. If I had thought this would be a second mortgage I would have gone thru a mortgage company to obtain the loan. Unfortunately, we were late on this loan less than a year ago when my husband left his job. This was due to XXXX after the loss of our son 2 years prior. We sold our house in XXXX of XXXX and moved home to be near my family in Washington State. We have been staying with a gracious family member while we attempt to obtain a loan for a home. However, we have been told that we can not obtain a loan because the XXXX loan is reporting as having been late within the last year and is considered a second mortgage. I have contacted XXXX a number of times ( 7 ) in order to find out what kind of loan this was. I was told this was an installment loan on more than one occasion and even have an email from them stating so. However, they are telling the credit reporting companies this was a second mortgage and now we are unable to obtain a home loan. IN the least, this is false advertising, or a bait and switch. I can't believe the interest we paid on a loan that I could have had funded by any local bank for half the interest. And in the worst, I was lied to, if I had known they were reporting as a second mortgage, I would have waited a year before uprooting my family and moving across country. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I tried to make a payment of {$1000.00} on my NJClass ( HESAA ) loan. At the time I did not realize that I had two bank account profiles one being my joint and the other which I always use. The payment went to the joint instead of the correct account and I noticed this because the payment was still in my account so once I recognized this I logged on to NJClass and deleted the incorrect bank profile and resubmitted to the correct account. I noticed the money was still in my account so I logged on again and saw that my payment privileges have been revoked. So I called to try to pay and was told I cant make a payment over the phone and would have to appeal to have my payment options reinstated. I emailed them and havent gotten a response back. Meanwhile my loans are collecting interest with NO possible way for me to make a payment. Ive been paying on these loans since XXXX. I have paid off several loans 3 of  them were paid off this year and two totaling XXXX were paid off in XXXX. They are collecting interest and not allowing me to pay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After several written attempts to each credit bureau, I have not succeeded in getting my credit report accurate. Lately, I wrote in and called each credit bureau to dispute XXXX XXXX  accounts on my credit report. XXXX XXXX  continues to report balance and past due payments on my credit years after the account was sold to collections. Currently, after my last report, Trans Union removed one of the accounts but not the others. XXXX and XXXX claimed to investigate and find the information to be correct. I have asked how the collections and the original account show past-due months or late payments and a balance. That is absolutely unfair. Once the original debt was sold, the account should be marked as closed with a XXXX balance, and the account should have a statement that the account was sold to collections. 

I should not have to continue to write in, call, etc. I have been affected by this for too many years after the fact and almost a year of continual disputes being sent to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Rewards

Complaint:
RE : XXXX mile bonus award for Bank of America Travel Rewards Credit Card The XXXX mile bonus award was not issued in XXXX, 2016. 
I call Bank of America at XXXX on the issue. 
The operator told me the card was activated on XXXX/XXXX/16 and the spending did not meet the {$1000.00} requirement. 
I tabulated the total transaction amount from XXXX XXXX thru XXXX XXXX is {$1000.00}. 
XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX Total Transaction XXXX Strictly speaking, the bank computer may have considered the period from XXXX XXXX thru XXXX XXXX as 91 days. Therefore, omit the {$160.00} and the {$10.00} and determined that my spending did not meet the {$1000.00} in 90 days requirement. 
On the back of my mind, I thought I activated the account in XXXX which probably is a mistake on my part. 
I hope that Bank of America will re-consider the case and grant me the XXXX miles bonus award. 
Thanks. 
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 2023-08-23
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:
I submitted a letter to the Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more.

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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:
Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-18
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX I received a loan for a home I was Buying. Upon applying for the loan I told the processor that I was going to immediately pay the mortgage down buy putting a large sum of money and was told that that was no problem, that they would recast my loan and that would lower my payment. The Monthly payment is {$1500.00} whish is a sizable amount for me. Less than 30 days later I payed {$90000.00} to bring my loan to XXXX Approximately. 
I notice my loan had not been recast so I called them and was told that there was a {$250.00} recast fee that was never disclosed to me. So after fighting with them I paid the {$250.00} recast fee to get the payment down. Upon checking online again I see that the {$250.00} was put towards my Monthly payment so I call them again. I am told that it takes 2 Months to process the recast to get my payment reassessed. Again not disclosed at the time of the of the payment of the {$250.00} fee. I am not refinancing just wanting my monthly payment to reflect the balance {$34000.00} over 10 years and feel that 2 months of the high monthly payments is long time frame to recalculate the numbers. The fee and lengthy wait was never disclosed to me. I feel this is an unscrupulous practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation