BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: CO
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:
Equifax has refused to accept an updated report on a balance from XXXX XXXX since XX/XX/2020. I already had to report Equifax for attempting to illegally block a legal name change. Now they will not accept updates on this account. Balance has been paid off and Equifax is refusing to be truthful on this matter.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered the debt in XXXX of 2020 and realized that the debt doesn't belong to me. It possibly belongs to XXXX XXXX XXXX XXXX NOT XXXX!. I have a police report and my drivers license that is different number than what the company has in their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: Experian Information Solutions 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:
I am writing to request credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place! Proof of my permission for them to pull my credit. 
You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. 
This is a request to remove the following inquiry that were made without my expressed permission. 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, 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 Report number : XXXX FTC These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 
Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report. 
This letter was fax to your office. Every-time I call you guys give me the run around. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. Thank you for your assistance in this matter, Thank you for your timely attention to this matter. I can be reached at XXXX ( XXXX ) XXXX or 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 2018-03-29
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Citicard declined a fraud claim. They fail to comprehend that I had 2 credit cards in my name on the same account as well as the card being used in 2 different locations. My card was fraudulently used on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX {$39.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX {$190.00} XXXX XXXX and XX/XX/XXXX {$320.00}. XX/XX/XXXX XXXX XXXX {$320.00} XXXX XXXX  I used my card on XX/XX/XXXX at XXXX, XXXX and XXXX in a different city and I sent them all addresses of my legitimate transactions and the fraud transactions as well as mapquest showing the miles and time and that i cant be in 2 different places at once. My chip stopped working in XXXX  and I requested a replacement card. I never destroyed the chip card that sometimes worked. I had two cards in my name on same account and one was lost. They actually told me to file a police report, call the merchants and requested the front and back of mine and my husbands drivers licenses. The total fraud is like {$600.00}. I have been a Citicard member since XX/XX/XXXX and spend $ 2-3k a month on Citibank and pay in full every month. Im not sending in my drivers license. Can they legally request this information? Im concerned about identity fraud and I feel they dont need this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: MD
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:
According to the Equifax web site the believe that my information was compromised as part of the recent Equifax Security breach. 

It took me XXXX days to log into their system and find out if my information was compromised, and simultaneously to put a freeze on my report. I have had to pay the other credit reporting agencies to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan Servicer as of XX/XX/2020 has 1. stopped sending monthly statements, 2. refused to speak on the phone with us regarding the missing statements and 3. regarding our modification application. Rushmore, even though is our Servicer, said we must only speak with their attorneys XXXX, XXXX XXXX XXXX. We refuse to speak with any adversaries at a law firm and demand the Servicer, Rushmore, speak with us the customer and provide monthly statements as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
To whom this may concern ; On XX/XX/2022, I made a cashier 's check deposit ( issued by the IRS for an income tax return ) in the amount of {$30000.00} to Huntington Bank. 

I entered the branch to open an account as a returning customer, and was told by the company that : a. I was in good standing with them, and there were no flags nor issues with getting a new account, and b. that I was guaranteed to have my money available by the next business day. I deposit said cashier 's check to my account with Huntington. 

On the same night of XX/XX/2022, I received an email from Huntington saying that a hold was placed on my deposit until XX/XX/2022. I was not informed by Huntington in any form or fashion, that a new account would hold my cashier 's check, nor that there were any flags nor issues upon the creation of the account, and/or initial process of the deposit. 
Over the course of the week between XX/XX/XXXX and XX/XX/XXXX, I have made multiple attempts to contact Huntington by branch and phone to find some resolution or understanding about what had happened. XX/XX/2022, I spoke to a Huntington customer service representative, who claims that my account was now going to be closed over an 'issue ' with a previous account ( i.e said previous account was closed by my request, after a multitude of faulty charges kept coming through, and I did not wish to have the account anymore. ) Huntington claimed that my account had been charged off, when in fact, I followed all steps to close the account myself, in perfectly good standing with the bank. I was then informed that I could not do anything about my situation, other than wait for my deposit hold to clear, so that I could enter a branch and withdraw my funds in time. 

Huntington essentially told me that I had to race against both the bank and time, to attempt to see my funds that I had entrusted them. XX/XX/XXXX, XXXX XXXX again contacted Huntington to attempt to collect my finances. Instead, I was told that my account was now marked for closure, and that I could enter a branch, but there would be nothing they could do for me. They continued on, stating flatly that I had to wait for a check to be sent to me by mail, and that I could not access my account in any form. 

I have no access to any of my funds or account, I have not performed anything fraudulent, my funds came directly and were verified from the IRS, I have lost my cashier 's check unfairly, and I feel that I have been both financially sleighted and lied to about the bank 's processes, by Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Experian Information Solutions 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:
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX  OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.

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 2018-02-08
Company: HW Holding, 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:
Regarding former Complaint XXXX, Hunter Warfield claims to have no records of my phone calls or communication between myself and XXXX XXXX in the Consumer Resolution Department, but in their answer they advised me to contact XXXX XXXX of Hunter Warfield 's Consumer Resolution Department. This sounds contradictory and doesnt make any sense. You want me to call XXXX XXXX and go through the entire process again? Since my previous efforts and attempts have gone unresolved, pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I  request that Hunter Warfield provide the certified documents that were reviewed to conclude the accuracy of the information they are reporting to the credit bureaus and to provide me a complete copy of all the information that was furnished to them by the original creditor XXXX  that they are claiming to be trying to collect a debt on behalf of. If you do not comply I intend to commence a lawsuit against you for damages and equitable relief due to non- compliance with the FCRA Section 611. I will also be aggressively pursuing the full judgment that I can get against Hunter Warfield for violation of the Fair Credit Reporting Act and defamation. I have fully investigated my rights in this matter. The foregoing is not intended to be a complete recitation of all applicable law and/or facts, and shall not be deemed to constitute a waiver or relinquishment of any of my rights or remedies, whether legal or equitable, all of which are hereby expressly reserved, including my right to all available remedies against Hunter Warfield, including but not limited to the recovery of costs and attorneys fees.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH BANK OF AMERICA. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO BANK OF AMERICA AND TO THE XXXX BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING ON MY CREDIT 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 2021-01-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX XXXX EXPERIAN HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES. 

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX XXXX EXPERIAN HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.

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 2021-01-29
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: Public record information inaccurate

Complaint:
THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX EQUIFAX/ XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES. 

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX EQUIFAX/ XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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:
THE ACCOUNTS AND INQUIRY LISTED DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE AND THEY WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVE THE ACCOUNTS AND INQUIRY OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: DISCOVER BANK
State: TX
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 DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX JXXXX XXXX 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, DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Reliant Capital Solutions, LLC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
This company has continued to call me about a charge that I know for a fact I did not incur. This collection agency Reliant Capital Solutions state that I went to XXXX XXXX XXXX  University which I didn't. They are advising me to pay XXXX for a school that I did not attend. I advised I was not agreeing with charge and send me verification of a Wet Signature the company sent me a XXXX agreement. This is a computerized signature which anyone could have generated in my name. I will include the information that was sent to me but does not verify that I did so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
About a month I called XXXX and pay to rent a car for some Heath problem I couldn't get it i called XXXX XXXX XXXX and explains them why I could not get the car but they did want to get my money back then because this car company refused to give me my money back i did used the car I called my credit card to dispute this charge at the beginning they were suden with me after almost a month they sent me a paper saying that they can give me the money back because this company contacted and say that we were did gave them the card number and because of that I was agreed with the terms and condition it is a new way to agreed with anything they have in their contract and that's why they will not going to go forward with this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: OH
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 not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX  XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: FISERV INC.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received an envelope marked Not a bill or advertisement. Important information about your Economic Impact Payment. Within is a XXXX credit card and the following statement : Here is your Economic Impact Payment Card enabled by Money Network. It contains the money you are receiving from the US Department of the Treasury under the COVID-related Tax Relief Act of 2020. It claims this card is being to you on behalf of the US Department of the Treasury in place of a paper check.

Company response to consumer: Closed with explanation