BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: IL
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:
XXXX  XXXX On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called XXXX XXXX to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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:
Re : Request to describe method of verification To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$4000.00}, {$7600.00}, {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 






-COLLECTIONS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. Trans union, XXXX, and XXXX. I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this XXXX XXXX XXXX got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also XXXX  this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX and XXXX and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these 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 explanation
Consumer complaint received 2017-12-26
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2017, I had a theft from my bank account of {$720.00} due to someone fraudulently using my debit card to make a purchase online at XXXX XXXX. I immediately reported it to my bank which is XXXX XXXX located in XXXX Oregon. Their parent bank is Compass. I also, immediately, filed a case with XXXX XXXX and filed a report with my local law enforcement. This happened a week ago and not one person from Simple 's disputes team has reached out to me to discuss what happened despite my desperate efforts through emails and phone calls. I have done everything I can possibly do to get my money back, and the fact they will not even acknowledge me is unacceptable. I have rent I need to pay, medication I need to buy. This is a whole paycheck that was stolen from me. I am the victim of a crime, and the bank is victimizing me all over again. The bank 's dispute email is XXXX and their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a letter XX/XX/21 and no response from the company ( LVNV FUNDING LLC ), I sent the actual letter the I received from credit XXXX XXXX letting them, know that I was not liable for the account because it was open due to identity theft. No response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was behind 2 payments when XXXX XXXX contacted me via email on XX/XX/2021 about making a tax payment that was past due. She said she needed proof the taxes are paid by XXXX  at XXXX or the file will be assigned to an attorney. I made the tax payment and XXXX said don't worry about the loan payments, you have time to make them. About a month later, TD assigned my file out to an attorney for non-payment. I asked XXXX on XX/XX/XXXX if we could talk, she refused my request. I got a demand letter that week. Then TD bank filed for foreclosure. I tried to work out a plan to catch up and get back on track, the attorney told me they wanted to terminate the relationship. I offered TD Bank $ XXXX  to apply anyhow they wanted and they refused my payment. I am in foreclosure and they received final judgment. I wanted to work this out but was unable. I later learned that I should have paid the loan rather than what TD Bank, specifically XXXX XXXX, advised me to do. They told me to pay the taxes first.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Repeat calls
No letters
MA law 3 letters 2 from credit card then collections 
I never received any
Calls same person 25 calls
I changed my phone number that i had for 20 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX sold my loan to XXXX who sold to Rushmore. BK was filed w/ XXXX so should never have sold. XXXX is reporting it as a foreclosure and not bankruptcy status ( see attachments ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX XXXX, I received a collection account entry on my credit report from USCB America, regarding a debt. I contacted the company to inquire and request written communication and a chance to dispute the debt. I did not receive any written communication or phone calls or a chance to dispute debt before it was entered on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: WA
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 account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.

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 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
After the Equifax leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. On XX/XX/XXXX Respondent XXXX  XXXX, an apartment complex, transmitted a move-out statement showing a purported debt of {$4800.00} for rents, fees, etc. purportedly owed for XXXX and XX/XX/XXXX. 

2. On XX/XX/XXXX Complainant, an individual, disputed and denied the validity, amounts, dates, reasons, and objectively false representations contained therein, in totality, in writing. Prior, on XX/XX/XXXX the Complainant fully and absolutely vacated and relinquished the leased premises, without further access thereto, surrendering possession to XXXX XXXX. 

3. On XX/XX/XXXX [ Second Notice ], ( i ) XX/XX/XXXX [ Third Notice ], ( ii ) XX/XX/XXXX [ Fourth Notice ], and ( iii ) XX/XX/XXXX [ Final Notice ] XXXX XXXX attempted to extort {$4800.00} from the undersigned using ( i ) maliciously invented, invalid debts without factual or legal basis, ( ii ) objectively, provably false and unreasonable representations of the undersigneds prior tenancy ending on XX/XX/XXXX, and ( iii ) explicit threats of abuse of legal process, malicious prosecution, and corrupt influence of judicial proceedings. 

4. On or about XX/XX/XXXX, Respondent XXXX XXXX directed it's debt collection agent, Hunter Warfield , Inc., to initiate collection activities to obtain the unlawful debt. The Complainant exercised his rights under the Fair Debt Collection Practices Act. This complaint follows.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now XXXX won't even let me dispute this. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: CITIBANK, N.A.
State: DE
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: Personal information incorrect

Complaint:
I do not have middle name/initial or lived on XXXX XXXX in no part of the world ...

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 2022-04-07
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:
During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now XXXX won't even let me dispute this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Prosper Marketplace, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a medical loan on Thursday, XXXX XXXX, 2017 with Prosper Funding LLC. | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I was sent an email that I was approved for the loan amount requested which was approximately {$22000.00}, with the caveat that before the loan can be completed I needed to submit verification of income and provide some tax documents. I attempted to submit the documentation through their secure website, but the website would not take the information and gave me an error code. I then tried again later to resubmit the paperwork and once again it took some of the information, but not all of it. I went to the medical facility where I started the treatment that was needed, and the hospital called Prosper to verify that the loan was in good order. Prosper told them that everything looked fine. In the end, Prosper said they did n't get the paper work and what they got had discrepancies. I tried to speak with their account division to address whatever discrepancies they saw and also send in the paperwork that probably still needed to upload. Prosper told me they would not discuss this issue with me and that the account was closed and that I should never apply for a loan again. The hospital also called and with me on speaker phone was told the same thing. This is unacceptable. We are outstanding customers with excellent credit. This company now has our personal information and treated us like we are criminals submitting fraudulent information. They do n't have a loan processing department with someone to talk to? This company should not be able to have an online banking business when they are not willing to communicate with a customer regarding their application, they really want your information. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a current victim of identity theft. FTC report number XXXX. XXXX, Equifax, and XXXX continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXK XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE SERVICE XX/XX/XXXX, EQUIFAX XXXX. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2017-10-02
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of ID theft, I have tried to deal with this company but they refused to reply to me. 
I request a block of this account according to XXXX code XXXX XXXX of information resulting from identity theft ( XXXX XXXX ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX XXXX XXXX days business days after the date of receipt by such agency of : Beginning ( XXXX ) business days after receipt of information described in paragraphs ( XXXX ) through ( XXXX ) of subsection XXXX a ) a check services company shall not report to a national consumer reporting agency described in section XXXX XXXX p ), any information identified in the subject identity theft report as resulting from identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX - I lost my XXXX XXXX Check Card. XX/XX/XXXX - Called to place a hold on the card and order a new card. XX/XX/XXXX - XXXX made me aware that unauthorized activity had taken place on the card and transferred me to the fraud department and this department ensured me that the funds would be recovered. Informed me that the fraud department would follow up with a phone call. XX/XX/XXXX - The fraud department never followed up. The funds were never recovered. I called to see why I had not received a call and was given the runaround. 
XX/XX/XXXX - An agent named XXXX, who was extremely rude called to inform me there was no guarantee that my funds would be recovered and talked to me with very little respect because I did n't file a police report. I explained that I would and the only reason I did n't is because they ensured their investigators were on top of it and I did n't know who to file the report against exactly. XX/XX/XXXX XXXX XXXX XXXX XXXX from the executive office responded to my BBB complaint still refusing to return the funds and telling me the bootleg investigation they did had been closed. When I previously filed complaint # XXXX, XXXX XXXX disassociated themselves with BNY which are supposedly the issuers of the card. So now, I am trying to address this with the proper company. I have tons of proof to be uploaded but it wo n't let me go over 10MB. I uploaded my first call with them but I have 6 other calls that follow to prove their negligence, disrespect and outright lies.

Company response to consumer: Closed with monetary relief