BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I called Equifax twice in the past week trying to get erroneous accounts removed. I called and explaind that I noticed some unauthorized information on my consumer report that I would need removed under 15 USC 1681-3. Equifax assumed this role w/out my express permission or consent. Equifax did not respect my right to privacy under 15 USC 1681 -4 and they neglected to exercise their grave responsibility. They had no permissible purpose to furnish my consumer reports. They offered to " File Dispute '' which I notified them of my right and asked for deletion immediately. I never authorized a " Dispute '' but it was initiated. Attached are the proof of initiation. The following information needs to be remedied immediately. 
My Personal information is incorrect. Any variance of my birth name of XXXX XXXX XXXX needs to be removed. Only my current address of XXXX XXXX XXXX XXXX NC XXXX should appear. 
Collections : Under new law medical bills less than {$500.00} can not be included on report. 
XXXX XXXX XXXX XXXX {$170.00} The following Inquiries were never authorized.. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX The following Accounts were are violations and needs to be removed.. 

XXXX XXXX XXXX  Acct # xxxxxx XXXX XXXX XXXX  XXXX Account # xxxxxxxxxxxxx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, 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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing LLC : 1. Has misapplied payments 2. Is unable to properly apply and track payments made bi-weekly 3. Is improperly charging me late fees.

4. Has improperly sent me late payment notices 5. The first time this happened, the VP of Account Management, Mr. XXXX XXXX was able to step through dates and payments to verify and acknowledge the above claims. 
6. He adjusted my accounts to resolve the issue XX/XX/2018. 
7. However, the problem persisted and XX/XX/2018 I was receiving late notices again. 
8. In XX/XX/2018 my account had been reported past due to Credit Bureaus. Despite my having never missed a payment. 
9. Again, after several phone calls, and walking the account manager through my payment history and filing a dispute with the Credit Bureaus. The issue was resolved.

10. However, the inaccurate statements persist, the late fees continue to be applied. And now, without my authorization, Payments I specifically designate for P & I and Escrow has been improperly applied to late fees, shorting the scheduled and proper P & I payments. 
11. Attached are Supporting documents and extended narrative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. information from my consumer file. 

Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: NJ
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:
Someone applied for credit for the following companies and they are reporting on my account as inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When I tried for Auto Loan in the month ofXX/XX/XXXXreceived in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like XXXX, XXXX XXXX did not provide right Credit ability or the report varies from one Credit union to others. At last XXXX provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information. I hereby Authorize to take necessary Action against Fraudulent.

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 2018-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 called the company today to tried and get this fraudulent information removed they stated that the apartment complex never responded to the fraud request back in XX/XX/XXXX. I told the rep that as you are not able to verify this info to please remove it they told me they would not. I requested that the credit companies send over the police report filed. They have this information and are refusing to have the information removed from credit.I am at a crossroad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called XXXX and spoke to Ms. XXXX from Harris & Harris on XX/XX/XXXX. I told her I could not receive personal calls at my job. She insured me she would take my work number off of the list of numbers to contact and add my cell phone number instead. Today, XX/XX/XXXX, I received another call from the same company. They left the number XXXX for me to call back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Franklin Credit Management Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently went through a chapter XXXX bankruptcy that has completed and is being discharged in the next month. I have 2 loans on my home. One for XXXX and a smaller loan for XXXX through a company called XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I was instructed by the trustee in our chapter XXXX case to contact the mortgage company for future payments. I have done so, but they will not tell me what the balance is, what the payoff amount is, or anything else, they only give me the option to pay on their website, and have cussed at me and my husband on several different occasions, hung up on us, and refused to send any statements to my home. I have not received any correspondence from them over the last 5 years, and have requested it in writing 6 times now. Each time I have complied with what I am asked to do, and each time I am refused information on my mortgage loan. I'm starting to think that the loan may be paid in full by now. We paid XXXX in arrears, and XXXX in principal on the loan for a total of XXXX. I just want to know if I have a balance left so that I can pay it off in full, or if the loan is already paid in full, as the initial loan was only XXXX. I can't get a straight answer from their company, as soon as I give them my mortgage account number they either put us on hold, for 20 min., sometimes as much as 45 min. at a time ( hoping we'll hang up ) or get viciously nasty spewing expletives, and hang up on us for asking about the account. I'm very confused by this behavior, and just want to know if I owe anything more on the account, or if it's completed.My mortgage account number is There is one additional phone number for them. 
( XXXX ) XXXX ( Phone ) Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to the company, XXXX XXXX XXXX XXXX  after their multiple attempts to call me and asked them can I pay the balance and then have it deleted from my credit reports. The representative told me they would indeed delete it, but changed the account to reflect that it was paid and didn't remove it from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. information from my consumer file. 

Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as  required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

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 2017-06-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to  XXXX . They helped me in reaching out and negotiating with Bank. The Bank then started working with me. They then subsequently rejected the my modification.

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 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I deposited a check from You, Office of the Illinois Attorney General. 
I noticed that when I made the deposit that Bank of America made No funds available to me that day which I needed a portion of. I called BOA and spoke to an agent who informed me he could not help me and the funds would not be available until Today, XX/XX/2020. I called back again and BOA would offer me not further assistance. Here it is XX/XX/2020 and I have already paid my health insurance for {$600.00} because BOA said the funds would be available today and they are not. I called BOA immediately only to find out that they said they could not trust that you, the Illinois Attorney General, would have the funds in the account. I said the agent Tuesday told me that these funds would be available today. I said now my check will bounce and I will get hit with a {$35.00} fee for that and other transactions. I was told there was nothing they could do. I asked to speak to a BOA Supervisor who said that the first agent should not have told me the funds would be available. The Supervisor said there was nothing they could do for me because their processing dept. pushed the date out of the XXXX now because they did Not feel the Illinois Attorney General would have the funds in the account. I never heard anything so ludicrous. The Illinois Attorney General would not give me a check that was no good. I am a senior citizen and I am in tears again because of BOA. I need these funds in my account today as originally promised. I am sickened by the way BOA treats seniors and their lack of empathy for my situation here. I want the people of Illinois to be aware of what they did and how I was treated by this bank. I have been lied to, treated unfairly and BOA does Not assist in giving me any help whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX I went into the local Best Buy store to apply for a credit card in zip code XXXX. Application denied for the reason I find out weeks later through a piece of mail. A security measure on my account whenever I apply for credit requires the sales associate working at the establishment to call the phone number on my credit file which is my own. I am sitting in the store at the counter waiting on the phone call to verify myself but phone call never happened. I called Best Buy accounts to dispute and they lie to me and say the phone call was made, NOT!! I disputed the inquiry with XXXX  and it is still sitting on my report??

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 2018-10-29
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. XXXX  XXXX Upon reviewing my credit report XXXX XXXX ( XXXX XXXX XXXX ) was listed as in default. 
This acct. was supposedly opened on XX/XX/XXXX And reported to credit bureaus on XX/XX/XXXX its listed as a one month term? for {$390.00} this is not my debt. Ive been with my current provider for several years. Please remove this account from all credit reporting agencies pertaining to me. This is a fraudulent claim. 

2. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Resurgent are all listed as separate entities attempting to collect credit card debt. XXXX lists as me owing {$750.00} XXXX XXXX XXXX lists as owing {$640.00}. In reality it is one debt, but listing separately harms my credit report as it appears that I owe several accounts. On XX/XX/XXXX at XXXX XXXX., I spoke with Mr. XXXX of XXXX XXXX he could not tell me when acct. was opened, but I was told that this credit card debt is currently listed with them, they represent XXXX XXXX XXXX. My report should list XXXX Only ( not other three accounts ). Mr. XXXX asked me to fax my XXXX information so this can be resolved. I faxed it on XX/XX/XXXX. 

Please remove XXXX XXXX XXXX, XXXX XXXX  XXXX and Resurgent from my credit files. As it appears I owe several accounts which is false reporting. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation