BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is from XXXX, 7 years ago. 

It is now resolved and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Reference Complaint Number XXXX. On or about XX/XX/2022, obviously materially altered check # XXXX ( XXXX XXXX Bank of America for payment of Home Equity Line of Credit account number in memo line scrawled over to read XXXX XXXX XXXX ) in the amount of {$4200.00} was cashed with an improper endorsement and deposited into XXXX XXXX XXXX Bank of America account which leads one to allege a Bank of America employee was a co-conspirator in the theft of funds. XXXX XXXX Bank paid the altered check and sent the {$4200.00} to Bank of America, so XXXX was complicit in this fraud and theft. As soon as my husband and I became aware of the fraudulent theft of the {$4200.00} at approximately XXXX XXXX. on XX/XX/2022, we began calling both XXXX Customer Service, and Bank of America, Customer Service and Mortgage Departments, and filed a police report with the XXXX Police Department. On the morning of XX/XX/2022 my husband spoke to Bank of America and was able to ascertain that XXXX XXXX XXXX had an account at Bank of America he requested that this account be frozen, and our {$4200.00} be restored to us immediately while I went to a XXXX branch to file a Fraud Packet as instructed. Subsequently, we have been made to jump through hoops, to fill out numerous copies of basically the same forms, delver the forms and evidence, etc., and still our stolen money has not been restored. Following this we have been forced to open a new checking account with XXXX, Bank of America froze our line of credit, so we did not have access to the funds for several weeks, and changed our account number : it appears we took a new line of credit and I am not fully confident they removed the late charges. I believe that both Banks are making a concentrated effort to ruin our credit rating while not restoring the {$4200.00} they are complicit in stealing from us.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: VA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant XXXX XXXX XXXX distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 DEPT OF ED XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citicard canceled my credit card on XX/XX/XXXX after a few weeks of issuance. They replied in email and letter that the reason was my association with a XXXX business. However my association was terminated XX/XX/2022 and I never used the card for any XXXX purchase or business. 
I understand they can cancel cards anytime for whatever reason, so I requested to at least be reimbursed the {$590.00} I paid in advance. They declined and said its non-refundable.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-09-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 continually followed up with the companies as well as the credit bureaus of XXXX XXXX and equifax and they refuse to remove the information or provide any documentation to substantiate their position regarding credit XXXX and XXXX funding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report and I was shocked to learned that I had numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report as soon as possible.

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My authorized user account on with XXXX  XXXX was deleted from my account because I disputed a closed XXXX XXXX that I believed was fraud. So they said they deleted it because they thought it was attached to my fraud claim but it wasnt. Then said they cant put it back. Then somehow next day it was put back then deleted again three days later. This account had a low utilization and over XXXX XXXX dollar limit that was helping 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2023 : I received a call from National Credit Systems regarding a loan amount of {$9100.00}. to secure an apartment in XXXX, Michigan. The apartment is : XXXX XXXX XXXX West XXXX XXXX XXXX XXXX XXXX, MI XXXX This is a clear example of identity theft. I live and own my home in XXXX, NJ. I advised the debt collector that I did not open up this account, nor do I live or ever lived in XXXX, MI. 
I recently made another call to the National Credit Systems collection company stating again, a fraudelent account obtained by identity theft. The woman advised me to file this claim via FTC.Gov. She also advised me to file a claim at my local Police Department in XXXX, NJ. I have notified all XXXX credit reporting companies as well. 
I would like to have this case investigated. I have not been in contact with the apartment manager on the premises as I dont want to scare the perpetrator away or go underground. 
This collection is adversely affecting my credit rating. Please help. jThis loan was taken out using my name and credentials. I have been a victim of identity theft in the past ( XXXX ). Subsequently, I have been signed up with credti protection with XXXX and XXXX. Neither had reported this to me, until very recently, much after XXXXXXXX XXXX when the loan became due and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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 hope you can help! I got a response from the credit bureaus and got a response saying I was a third party and that they want continue the dispute they are stalling! I'm upset because im sending the letters! I'm going to list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. XXXX Account Number : 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 2023-08-22
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, XXXX XXXX transferred the mortgage to XXXX XXXX and Selene Financing became the servicer. The mortgage was a part of bankruptcy proceedings at that time. ( Attachment pages 3 and 4 ) In XX/XX/XXXX, the outstanding balance on my mortgage was {$89000.00} ( Attachment page 6 ) Between XX/XX/XXXX and XX/XX/XXXX, Selene Financing did not apply payments received from Trustee to my account. At the end of XXXX, the outstanding balance on my mortgage was {$87000.00} ( Attachment page 5 ) The calendar year XXXX payments were NOT applied to my account. XXXX XXXXSelene Finance communicated to the Trustee, bankruptcy attorney, and bankruptcy court my mortgage was in arrears. The Trustee and bankruptcy attorney would only discharge my bankruptcy once I paid the alleged outstanding balance of approximately {$14000.00} to Selene Finance. ( Attachment page 1 ) In XX/XX/XXXX, through the bankruptcy attorney, Selene Finance recommended a HAF ( Housing Assistance Fund ) grant to cover the alleged arrears on the account. 


By XX/XX/XXXX, Selene Finance was aware they would receive {$18000.00} from North Carolina HAF, {$14000.00} to apply to the alleged arrears, and the remainder was to cover future mortgage payments. ( Attachment page 7 and 8 ) The payments I made through the trustee beginning in XX/XX/XXXX had applied to my account in XXXX XXXX more than a year later. ( Attachment page 1 ) After receiving the NCHAF funds in XX/XX/XXXX, Selene Finance acknowledges payments made by me through the Trustee but does not apply the funds to my outstanding balance. ( Attachment page 1 ) In XXXX and XX/XX/XXXX, Selene Finance did not appear in bankruptcy court to explain the misappropriation of funds. On XX/XX/XXXX, my bankruptcy was XXXX. 


On XX/XX/XXXX, as retaliation for allegations of fraud, XXXX XXXXSelene Finance provided an erroneous update to credit reporting agencies, negatively impacting my credit score by XXXX XXXX 


As of XX/XX/XXXX, XXXX XXXXSelene Finance shows an outstanding mortgage balance of {$67000.00} which does not consider all funds I paid through the Trustee and funds received by NCHAF. 


In XX/XX/XXXX, the county presented a tax bill for payment. The tax bill underestimates my property value by nearly {$100000.00} as XXXX XXXXSelene Finance has sold off approximately a quarter acre of my lot during my bankruptcy. 


Note : Attachment page 1 is a download of account activity from selenefinance.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XX/XX/XXXX has violated my rights XXXX XXXX XX/XX/XXXX has violated my rights XXXX XXXX XX/XX/XXXX has violated my rights Below here are the accounts XXXXXXXX XXXX XXXX XXXXXXXX, has violated myrights. 

XXXX XXXX XXXX, has violated myrights. 


15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express is stating they are now charging me {$4200.00} for a charge they are claiming did not go through on XX/XX/2022. The charge went through previously ; yet I can not locate it on my statement. I believe they are charging for something past when they should be able, and believe they have altered my online statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. 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 XXXX XXXX XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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