BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
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 HAVE BEEN DEALING WITH IDENTITY THEFT WELL OVER A YEAR, SOMETIME IN XXXX I WAS MADE AWARE OF 2 ACCOUNTS THAT WERE FRAUDULENTLY OPENED USING MY NAME 1 COMPANY IS XXXX XXXX OPENED ON XX/XX/XXXX {$200.00} 2ND IS XXXX  XXXX  XXXX OPENED IN XXXX {$4100.00}. WHEN I LEARNED OF THESE ACCOUNTS I UPDATED MY POLICE REPORT WITH XXXX COUNTY SHERIFF IN XXXX FL. I DID A REPORT ANNICIALLY DUE TO SOMEONE STOLE MY PURSE WITH ALL MY PERSONAL IDENTITY. AFTER INFORMING THE COMPANIES I HAD NEVER HAD AN ACCOUNT WITH THEIR COMPANY I ALSO UPDATED MY FTC REPORT AND I ALSO CALLED THE CREDIT BUREAS AND UPLOADED THE UPDATED FTC REPORT WITH ALL 3 CREDIT BUREAUS. WELL SOMETIME LATER I APPLIED FOR A MORTGAGE AND WAS INFORMED BY THE MORTGAGE COMPANY BOTH THESE ACCOUNTS WERE ON MY EQUIFAX CREDIT REPORT ( ONLY ON EQIFAX ) I FOUND IT HARD TO BELIEVE BECAUSE I HAVE A MYEQUIFAX ACCOUNT SO IM REGULARLY CHECKING MY CREDIT REPORTS, SO I CALLED EQUIFAX AND EXPLAINED THE SITUATION THE REPRESENTAIVE ASSURED ME THERE WAS NO COLLECTIONS ON MY CREDIT REPORT, SO AGAIN I APPLIED WITH A DIFFERENT MORTGAGE LENDER AND SAME THING WAS TOLD THERE WERE 2 COLLECTIONS ON MY ACCOUNT, SO AGAIN I CONTACT EQUIFAX AND AGAIN WAS TOLD NOTHING WAS ON CREDIT REPORTAND THE REP STATED SHE WOULD BE SENDING ME A CREDIT REPORT IN THE MAIL, I HAVE YET TO RECIEVE THAT REPORT! WELL ON XX/XX/XXXX I RECIEVED AN ALERT FROM XXXX XXXX INFORMING ME THAT MY EQUIFAX SCORE WENT DOWN OVER 60 POINTS SO I LOG ONTO MYEQUIFAX ACCOUNT AND MY CREDIT REPORT WAS ALL MISINFORMATION THOSE 2 COLLECTIONS WERE ON MY CREDIT REPORT AS WELL AS 22 INQUIRIES THAT ARE NOT MINES AND ALL MY POSITIVE TRADELINES WERE NO LONGER ON MY CREDIT REPORT! I CALLED EQUIFAX EACH TIME BEING TRANSFERRED FROM REP TO REP, I FINALLY SPEAK TO A REP AND HE SAYS HE CANT IDENTIFY ME OVER THE PHONE THAT I NEEDED TO SEND IN MY IDENTIFICATION AND SOCIAL. I EXPLAINED IM SURE YOU CANT SINCE EQUIFAX HAS REMOVED ALL MY INFORMATION AND TRADELINES AND PUT NEGATIVE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CALLED MULTIPLE TIMES ONLY TO BE TOLD I NEED TO PROOVE THE ACCOUNTS ARE NOT MINE, I EXPLAINED I HAVE UPLOADED MY LEASE WHERE I WAS AND STILL AM RESIDING AT THE TIME ACCOUNTS WERE OPEN I ALSO UPLOADED ON EQUIFAX WEBSITE 3 MONTHS OF UTILITY BILLS PROOVING MY RESIDENCE AT THE TIME, I ALSO UPLOADED FTC REPORT AND ALSO POLICE REPORT AND MY LICENSE WHICH ALSO HAS MY ADDRESS ON IT. AND I ALSO UPLOADED MY SOCIAL SECURITY CARD. AND STILL NOTHING IS BEING DONE, TOLD ME I HAD TO WAIT 30 DAYS FOR DISPUTE RESOLUTION. ITS NOT FAIR THAT FRAUDULENT ONFORMATION CONTINUES TO SIT ON MY CREDIT REPORT WHEN I HAVE PROVEN THE ACCOUNTS DONT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: IN
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 was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I tried contacting the the credit bureaus but could never get through to speak with an agent. XXXX XXXXXXXX this is not mine, XXXX XXXX XXXX XXXX XXXX this is not mine, ( 1 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 2 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 3 of 3 ) XXXX XXXX XXXX XXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, THESE ACCOUNTS ARE FRAUDULENT AND ARE NOT MINE. Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My person information is as followed Name : XXXX XXXX, Year of birth:XXXX, My address is : XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX none of the other personal information applies to me and should be updated. Please Help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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:
i have sent out numerous of letters dating all the way back to XXXX of 2020 to all 3 credit bureaus.informing them that accounts on my credit report are inaccurate and don't belong to me they have responded by saying the accounts have been verified so then i ask for proof that the accounts belong to me and i get no response and accounts still remain on the reports.

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 2020-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with CAPITAL ONE and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I tried contacting the the credit bureaus but could never get through to speak with an agent. XXXX XXXXXXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, ( 1 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 2 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 3 of 3 ) XXXX XXXX XXXX XXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, THESE ACCOUNTS ARE FRAUDULENT AND ARE NOT MINE. Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXXXXXX. My person information is as followed Name : XXXX XXXX, Year of birth:XXXX, My address is : XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX none of the other personal information applies to me and should be updated. Please Help Me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The misappropriation of funds started on XX/XX/XXXX. I made a house payment that was applied to principal funds, and had to have it reversed. On XX/XX/XXXX, I made another house payment with an additional XXXX dollars to the principal to stay a couple of months ahead, another phone call to reverse the all principal application and get it towards my house payment. On XX/XX/XXXX, another phone call to reverse the principal payment and have the XXXX dollars which is the amount of my house payment ( and should have been a clue ) applied to the house payment. On XX/XX/XXXX another phone call to have the XXXX dollars ( again the amount of my house payment ) applied to the monthly payment and not the principal. On XX/XX/XXXX another phone call to reverse the additional payment of XXXX applied to the principal coded to my house payment and have the additional XXXX dollars coded to principal. At this point I am 6 months ahead, but yet they coded the XXXX dollars as a partial payment and just had it sitting there, not applied to anything. On XX/XX/XXXX, another phone call. I made a house payment with an additional XXXX dollars as I have been doing for years. They put the XXXX dollars to the escrow. I am thousands of dollars ahead in escrow. I once again called them to correctly apply the XXXX dollars extra to principal, their solution is to rescind my house payment. The money is not in my bank account, not applied to my house payment, and not towards the principal. I have spoken to managers, de-escalation agents etc. There XXXX page is full of complaints regarding the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: HI
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 XXXX XXXX has a signature loan that is currently open an in good standing. On the credit report with XXXX, Experian and XXXX it shows the account is collection/chargeoff. The payment was behind 2 months but has been brought current.

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 2020-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of XXXX I went to my local bank branch to effect a balance transfer which would pay off my Visa account at USAA and create a new Visa account at my local bank ( for which there was an incentive of getting six months without interest ). The payment from my bank to USAA was rejected as having the wrong address. After additional attempt was made to effect a balance transfer, I requested an e-mail from USAA with the verified payment address, which they provided. This was the very same address which I had provided to my bank the first time I attempted to transfer the balance in question. After a 3-way call with myself and representatives from both my bank and USAA was held to determine exactly what was required to do a balance transfer, a final attempt to effect a balance transfer was undertaken in XXXX of XXXX and again USAA rejected the payment from my bank stating that the full account number of the USAA Visa account was needed. My bank XXXX XXXX XXXX XXXX XXXX XXXX assured me that the entire account number was provided to USAA via ACH information but was never included on hard checks due to security concerns. Nevertheless, USAA again declined the payment and seems to contrive multiple and various excuses to decline any attempt to effect a balance transfer from my bank. 

Ultimately, I have declined to make further payments on the account pending a resolution of the issue because I believe USAA is deliberately obstructing my attempts to close out my Visa account with USAA. I have communicated my position to USAA in that regard but they have now begun harassing me with collection calls on a daily basis. 

My bank assures me that they have provided all the required and customary information for transactions of this type to USAA. USAA, however, continues to claim that additional or different information is required or that the information needs to be presented to them in a different form. In short, they are refusing to accept a balance transfer as payment against my account and doing so without justification, which has cost me over 15 months ' worth of interest ( a total of over {$1000.00} ). I have spent considerable number of hours making multiple trips to my local bank branches, making phone calls, and participating in online help chats until I am simply unable to continue pursuing this myself because nothing I do changes the outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Acct number XXXX XXXX XXXX Usaa Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, Texas XXXX They robbed me charging me the full amount of insurance owed as if I should pay the full amount for the months ahead after I stopped paying them for the service. I should not be accountable for future insurance service that has been canceled. I want the debt exponged and paid in full receipt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Midland Credit Management. 


After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, And, XXXX XXXX XXXX, has Fradulent accounts on my credit profile that needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an unauthorized transaction on my card from Bank of America. But, they don't even want to open a case to figure it out. They reissued the card and say good bye. The police told me that in this case the main thing so that the bank would start the investigation ... ..

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 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$430.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Equifax XXXX XXXX, XXXX. I received an email that the dispute was completed on XXXX XXXX showing that my bankruptcy is validated by XXXX XXXX. I know this information to be false and that they did not verify it through XXXX XXXX. I have a security freeze on my XXXX XXXX account since XXXX XXXX, XXXX. I also contacted XXXX XXXX bankruptcy court and inquired if they furnish court information to the credit bureaus, was informed that do not. I believe Equifax is not actually verifying/validating any disputes but saying that they are doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My mom added me as an authorized user on her credit card she opened without my authorization or knowing and her credit card balance shows up on my credit report. I had her call and take me off and was told it should drop off of my credit report in a few days but Im nervous and annoyed with the fact she so easily could add me onto her credit card without my social sec. or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Victim of Identity Theft Dear Credit Reporting Agency, After reviewing my credit report I must inform you that I am NOT responsible for the listed accounts as I have been a victim of identity theft. I XXXX XXXX natural living person have never signed or contracted with Nelnet XXXX XXXX and if any papers with my name on it in wet ink is identity theft and fraud by Nelnet the debt they are attempting to collect on has been discharged by us dept of education .I am willing to file a police report and make this report known to the Federal Trade Commission Please delete the following accounts from my credit report immediately! 

Dept of Education Nelnet + XXXX acct number Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a BMW car from BMW Financial services in XX/XX/2019. During the Corona Virus lock down, they offered me two forbearance on my lease which I accepted. I applied for at loan at my bank in XXXX of this year and they denied me and made me aware that BMW Financial reported that I had three missed payments and late payments,. I reached out to them and they told me they did not report anything to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A check intended to pay our accountant was STOLEN from our mailbox and deposited by XXXX XXXX. Bank of America will not refund our money because we did not catch it in time, missing their 60-day window by only 15 days. 

This is a clear cut case of check forgery and mailbox theft. 

XXXX XXXX needs to answer for these crimes.

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 2018-02-17
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX, is reporting that my mortgage loan with them is still open. They transferred my mortgage loan to XXXX XXXX XXXX. The loan should me reported as closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving phone calls about a Debt that is owed to a Medical office out of XXXX Texas and I live in XXXX TN. I have never been to XXXX and I have never used this company 's services. I asked them to send me a bill in which they did.for {$5400.00}. I called the office and asked for the address to the Doctors office. That is when I found out that this is a Fraudulent company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: CAPITAL ONE FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 Capital one bank XXXX  highest balance {$310.00} and highest balance {$310.00} i have 3 late payment on both credit breaus and the credit breaus will not remove it from my credit report .also XXXX XXXX  XX/XX/2019 XXXX  and XX/XX/2019 XXXX  will not remove the late payments off my credit report neither.I tried getting those removed with dispute letters but they still would not removing those my credit report.

Company response to consumer: Closed with explanation