BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: CA
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 contacted XXXX, Equifax, XXXX XXXX multiple times, my Initial date of first contact XXXX XXXX follow up letter dated XX/XX/2023. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. 

Account:XXXX XXXXXXXX, Account : XXXX XXXX  XXXX, Account : XXXX XXXX XXXX XXXX This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer.

15 U.S.Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

Account : XXXX XXXX, Account : XXXX XXXX XXXX. Both these accounts are a VIOLATION of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. 

Therefore, I request that my TRANSACTION between Myself and XXXX XXXX XXXX, XXXX  XXXX, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! On XX/XX/2023 I Have Filed a FTC COMPLAINT REPORT XXXX. 15 U.S. Code 1681c-2 A consumer reporting agency shall block 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 4 business days after the date of the receipt by such agency of. ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions 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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, 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. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information 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 2019-07-10
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: Account information incorrect

Complaint:
On or about XX/XX/2019 XXXX and Equifax reported a XXXX , XXXX collection account against my file. After numerous failed attempts to discuss the matter with XXXX  I disputed the account with XXXX  by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the XXXX account with XXXX  and Equifax on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( XXXX.  File No. XXXX/Equifax # XXXX ). 

On XX/XX/2019 XXXX responded to my CFPB complaint stating that on XX/XX/2019 they directed XXXX  and Equifax to remove the account from my credit file and that they are no longer handling the account. A copy of XXXX 's CFPB response is attached. 

On XX/XX/2019 the XXXX  debt was still appearing on my credit file at which point I called spoke with a representative at XXXX explaining that XXXX directed the account be removed from my file as well as faxing to XXXX a copy of XXXX 's CFPB response. The XXXX representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 

As XXXX has directed the credit reporting agencies to remove the XXXX account from credit file and the agencies refusing to comply, XXXX and Equifax are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
ILLEGAL CONVERSION WITHOUT MY CONSENT! 
My signature was forged! This was a violation of my constitutional rights! 
The Bank of America never put up any money, they borrowed money using my signature and converted this transaction from a mortgage loan to shares without my consent or knowledge. These shares have no connection with a mortgage loan so, This was Conversion of a loan without disclosure, Mers transferred title to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I gave them XXXX down and the money taken at closing belonged to me not them and it was taken for 1 ) Tranfer of title2 ) payoff the note3 ) transfer was never satisfied. They wired themselves from the Mers IRA and The Keogh Account that are owed by the State of Louisiana and held on deposit by the banks. 
When the banks said to their counter criminal, how are we going to be paid back? You owe the feds for 20 yrs of budget overrun, go get the homes one at a time! But we owe the owner for the  HUD1 closing for the wires that you stole, The criminal in charge said, Its your problem! 
Mers is the creditor and I am the successor not anyone else, this was a deceptive move with criminal intent, people were too trusting. I am stating a claim on my own behalf and I DID NOT ABANDON my property, trusts, etc. 
it was stolen from me through crooked avenues an this has to STOP NOW! 
facts through evidence of documentation which clearly states that America 's Wholesale Lender is not a corporation that ever existed, and is named on the Deed of Trust. Bank of America wrote the loan and property is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX denied being owner of loan and property yet an Assignment of Deed of Trust was recorded in the Land and County Records. Upon foreclosure of the property, XXXX XXXX XXXX XXXX XXXX filed a recorded deed as owner of the property in order to foreclose. Once they filed the Deed of Record, they were able to take possession of the property and filed a foreclosure. XXXX XXXX XXXX XXXX XXXX was the buyer at Auction. Why would you purchase the property if you owned it to begin with. Im now out of my home by force of the state, unlawfully, the banks put up no money, I signed my name then they converted it to a securitized mortgage of which I wasnt informed in writing and now receiving a XXXX tax bill showing this is a tax situation of shares that I did not abandon or receive any residuals. The public deception here is of the highest. Im requesting my property back through Escheat. I am demanding my XXXX back and treble damages for my pain and suffering. I am forwarding this to the President of the United States, DOJ, And Governor of Louisiana, I dont care who I forward it to, you will get my money and home back!!!!

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 2020-07-20
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, 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. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: AZ
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX  XXXX  XXXX Balance : {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, 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. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information 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 2020-07-20
Company: Experian Information Solutions Inc.
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623,  subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2020-07-20
Company: EQUIFAX, INC.
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2020-07-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i tried to call in personally and also my power attorney was present. The lady was combative and also my poa tried to let her know her attitude was making him nervous and scared. I have attached his XXXX act letter as well as the fact I am being charged {$490.00} annual fee for items no longer available like road trip interruption. They stated it ended before I even signed up. Then the lady lied on me saying we called about Citi Rewards card when it was about the Citi Prestige card and my XXXX poa veteran I have attached proof to prove they are breaking federal, state, & local laws and also denied me falsely telephone communication with my bank with Covid 19 that is the ONLY WAY I can communicate with them. If I can't call them how am I supposed to notify them of fraud or loss or to get any of the benefits that come with this card? 
Also for the record, I never spoke to the agent so I didn't speak in any negative manner it was my POA. Therefore they have violated my privacy rights if they spoke with my POA without my permission or me being present.

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 2023-05-26
Company: Bread Financial Holdings, Inc.
State: NY
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, 15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-30
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called me XXXX on XXXX within an hour ( XXXX, XXXX ) and XXXX times XXXX so far XXXX on XXXX XXXX XXXX, XXXX, XXXX XXXX. I have been at work today ( XXXX ) and the repeated phone calls are causing me stress that is interfering with my ability to do my job. I work on commission, so this stress is significantly affecting my income as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
When XXXX hit in XXXX, I filed a forbearance request with Dovenmuehle, my loan servicer because of income loss. I have yet to receive any response even though I sent several letters and multiple emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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  gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( 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 explanation
Consumer complaint received 2022-03-30
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
I have contact these companies several times since XXXX XXXX. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX GM Financial 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 I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation