BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NC
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  Balance : {$220.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$52.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: AL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited a check for XXXX via my camera on Friday the 1XX/XX/2020 at approximately XXXX XXXX  to cover amounts that would come through my acct. since it was a holiday weekend a hold was placed on the funds until the next business day. My bills hit my acct and the bank charged me three fees XXXX knowing that check was on hold. Next my social security check was deposited on XX/XX/XXXX and I was charged yet 4 more fees for in coming bills. When I discussed this with the bank I was told that they would not refund any fees. This bank took XXXX from my cacti struggle to make ends meet and understand that some charges are my fault however I dont believe that it was fair to take this amount of money from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was told today by your offices to file another complaint to try to force Wells Fargo to answer through your offices. The original CFPB Complaint number was XXXX, which was filed in XX/XX/2016. i will attempt to attach subsequent correspondence between myself and Wells Fargo via phone calls, E-mails and faxes in chronological order. Basically, all Wells Fargo has done is to stall by forwarding the information between California, Oregon and North Carolina and force me to keep answering the same questions repeatedly.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 explanation
Consumer complaint received 2017-08-29
Company: The Receivable Management Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" Frequency or repeated calls '' is the box that I checked, but ironically I am having the opposite problem that most people have. 

I noticed that a debt showed up on my credit report as a delinquent balance. I do not recognize the debt. It is owned by " The Receivable Management Co. '' in XXXX, PA. I have received no communication from them. There is a phone number listed to call them on the credit report, XXXX. When one dials this number, and presses # as directed to speak to an agent, it places you in queue for 20 seconds or so, then rolls to voicemail, always, and without fail. 

The voicemail ( and the IVR ) for that matter identifies the company as " XXXX '' ( XXXX? XXXX? XXXX? ). I have left repeated voicemails saying that the company being identified as " XXXX '' is strange as I dialed the number for Receivable Management Co., that I do not recognize the debt, and that I would like for someone to contact me. 

They have never contacted me. I have received no notices via mail, and I have not received any return phone calls either. 

In addition to them being unresponsive on the phone, and there being confusion over their name, there does n't seem to be any website for them which I could find, either in search engine searches or via internet registry ( I work in IT, so I have additional tools at my disposal and still came up with nothing ). Also, calling the registered number for " XXXX '' which seems to be the closest match ( as they do outsourced call center etc. ) just rings and rings, with neither a person nor an IVR or system answering the call. The XXXX website only provides a " contact us '' form which I have not yet filled out. 

If there is a negative mark on my credit report which is in turn negatively influencing my credit-worthiness I believe that the collection company has some responsibility to be responsive. 

This is maddening, negatively affecting my credit score, and totally irresponsible. I would like for the CFPB to recognize ( this situation should be easily reproduced ) this issue I 'm having so that I can use the recognition to have this erroneous mark removed from my report via the credit bureaus, since there is no way for me to talk to anyone who claims to hold the debt.

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 2017-08-29
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: Account status incorrect

Complaint:
THIS ACCOUNT FROM MACYS ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/XXXXOF XX/XX/XXXXTO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
XXXX is not reporting payments made to my Student Loan. XXXX has not reporting any of my employments. Also XXXX just dropped my credit score by XXXX points with no indication as to why it dropped so dramatically. Also through XXXX there is a hard inquiry for XXXX which I have never iquired about. I also have XXXX open collections which have been paid off that XXXX has not removed from my credit report. XXXX is truely the worst credt bureau to have to deal with.

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 2018-07-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called Equifax about this issue and they still wont remove these inquiries that wasnt authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Excuse me for my Grammar and I'll be using XXXX to fix the basic mistakes. I have a XXXX XXXXXXXX. 

I became a member of Experian Credit Bureau. I pay {$24.00} each month to have them protect my identity. They are telling me false information for deleting my records from potential identity theft websites. Explain website told me that my information was removed on the XXXX of XX/XX/2022. The disclaimer told me it will take between 14 to 45 days after the removal. It has been about 45 days since. My information is still on the websites. 

I feel they are charging me too much money for Protecting My Identity when it will be false 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 explanation
Consumer complaint received 2017-08-29
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a store card with XXXX through Comenity Bank. The system does n't offer automatic payments setting, thus unless you remember to pay your card every month ( which I do n't use that often, since it 's a store card ), you 're bound to pay for the late fees. I called the bank to ask if I can set up an automatic payment, and the customer service person told me it simply was n't an option. I almost feel that the bank is doing this because it wants me to forget, so that they can gain the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, I was upgraded from a secured Discover Credit Card to an Unsecured card. I had initially put in a deposit of {$200.00} dollars was scheduled to be mailed the deposit via check within a month. It hadn't arrived the first time it was " allegedly '' sent out, or the XXXX. By that time I had asked for it to be sent electronically and Discover assured me they would in about 10 days time. A month has gone by since then I still haven't received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NV
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:
accordance with the Fair Credit Reporting act 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2017-04-15
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans is not reporting accurate information to the major credit bureaus in regards to my " monthly '' payments received, monthly payment amount, which is XXXX not XXXX or XXXX and matter has caused a negative impact on my credit, score and job clearance. Per my credit reports On XX/XX/XXXX and XX/XX/2017, Caliber reported that my account was delinquent by 30, 60, 90 days when in fact my account is current and does not reflect reporting for the months of XX/XX/XXXX, XX/XX/XXXX nor XX/XX/2017. I have recently reached out to various Caliber Customer Service employees whom referred my inquiries to their " Credit Department, '' however, the issue still remains unsolved and incorrect. I am fully aware that XXXX 's reporting is the XXXX of each month, however, XX/XX/XXXX 's reporting should reflect XX/XX/XXXX 's payment which has not been reported and the same for XX/XX/XXXX 's reporting. To date, my next scheduled payment is not until XX/XX/2017, which my reporting should reflect on time. Caliber is not adhering to their reporting schedule nor are they reporting accurately, which causes a financial and employment strain on its customers, due to their inability to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2022-08-30
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
last XX/XX/XXXX i noticed 2 credit inquires, syncb/j.c.penny XX/XX/XXXX and XXXX  XX/XX/XXXX. i immediately called both of them, told them that i never applied to either of them. after they both reserched the accounts, they both concluded that someone fraududently tried to open an account. they both said that they would send a letter to XXXX  to get it deleted off my credit report. i also requested that letter to be sent to me.they said that they would. they also said it would take30-60 days for the deletion. i said o.k., long as it is done. 3.5 months later, there is still no deletion. i called them back again to find out whats going on. they said they sent the letters to XXXX. XXXX told me, no such letter has shown up regarding any deletion. i asked them to send it again. they both said that they will. XXXX said that they never got letter, nor did the send me the letter as i requested. to date XX/XX/XXXX i have contacted both again3 or 4 more times about this. no letter has shown up at my residence or XXXX. every time i asked them to mail me and XXXX, they always said they would. and as allways no letter is sent. i'm just trying to get false info off my credit report. i have worked hard rebuilding my credit, up XXXX points in a year now up XXXX points to date. please help me get this false info off my credit report. syncb/j.c.penny XXXX and XXXX  XXXX phone numbers. my name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX ohio XXXX my phone number is XXXX my email 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 non-monetary relief
Consumer complaint received 2017-04-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2017 Ditech Financial LLC received ( via certified mail ) a request from me regarding payouts that had been made from my account : # XXXX. It has been 38 days and they have not provided me with the information. They refuse to call me even though they assured me via email that they would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
House was scheduled for foreclosure auction XX/XX/XXXX. Does not appear that this happened. I just got a letter in the mail saying that I sent Wells Fargo documents allowing another company, the one that has caused all my problems including this foreclosure, to receive information about my mortgage account. I have never sent any such thing to Wells Fargo. Furthermore they refuse to discuss the account, MY account with me. This is as shady as it gets.

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 2017-04-12
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I went to XXXX Bank to apply for a mortgage on XXXX 2017 and when the mortgage officer ran my credit, he said there was a charge off/negative collection account on my report that I did not open. I realized it had been a result of ID theft so I started the process of filing a police report and disputing it with the credit bureaus but nothing has been done yet and this is still damaging my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: ALTERRA GROUP, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX the sellers of a home I made a offer on accepted and I was under contract. Closing should have been easy considering my credit score was above 700, I made over six figures and the loan on this property was only XXXX. What I didn't know is that the lender I was working with left Alterra and no one took over my file. The file collected dust for almost 3 weeks. That is what someone from Alterra admitted to me. the lender asked to file, in total, 4 extensions to push back the closing date with no explanation. I have already invested over 17k, with XXXX earnest, XXXX architecture fees and {$750.00} transfer stamps, appraisals and home inspection. Once someone started working on the loan there was no sense of urgency. I had a hard time getting a hold of anyone working at Alterra and the lack of professionalism was unbelievable. I am a real estate investor and will never use them again!

Company response to consumer: Closed with explanation