BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
As part of ongoing disputes wih Equifax, where no such dispute was XXXX with FRAUD - Equifax inserted a FRAUD statement on my report - and then sent/shared it with XXXX and XXXX. 

The statement is wholly inaccurate, and not in any way shape or form warranted. 

Please remove this statement from my reports - and then - request that the same CRA 's you shared it with - as you ARE the owner, remove the same. 


" Company respondedXXXX said : Explanation of closureIn order to protect your privacy, we have mailed an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
ReliefWe received your complaint about the Initial Fraud Alert in your credit report, and apologize for any difficulty you may have experienced. Initial Fraud Alert identified in your complaint has been deleted.. 
DisputeResponseWe have reviewed your complaint along with the information you provided regarding this issue. In response to your request on XXXX/XXXX/2015, we received a request from Equifax to add an Initial Fraud Alert to your XXXX credit report. As a result the alert was added and a notification was sent to you via mail on XXXX/XXXX/2015. Please be advised under the guidelines of the Fair Credit Reporting Act, " Each consumer reporting agency that receives a request to add a fraud alert or active duty alert from another consumer reporting agency shall add the alert as though the agency received the request from the consumer directly. '' At your request we have deleted the Initial Fraud Alert from your XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I do not recognize certain items on my credit report. I am requesting that you immediately delete information off of my credit report that isnt mine. 
These accounts and inquires are not my and that my identity may have been stolen which I have included with this letter. 
Please find the attached documents.

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 2016-11-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In the case number referenced above the creditor XXXX loan servicing was deleted from my credit file. As of XXXX/XXXX/2016 the creditor was placed back on my credit file without notice from equifax information services llc

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
i applied for a TD bank credit card. was promised a {$200.00} sign on bonus if i spent {$1500.00} in the first 90 days. i did my part. the bank is not giving me the {$200.00} they promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I reported the fraudulent activity on checking account with Bank of America but they refused to do anything until I come in office. The closest office is 70 miles a way and I am 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 2020-04-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive reached out to Equifax numerous times about incorrect information displaying on my credit report such as previous addresses, filed numerous disputes and still the information is going on unresolved, this issue is affecting my everyday of life and background checks, please help resolve as i have tried numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information XXXX : The account type is blank & date last paid is inconsistent with the data against Transunion & XXXX. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted XXXX : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported Transunion : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Late Payments from XXXX XXXX All Inquiries

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 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016, I check my credit report and all my inquirers were deleted. I logged in today and there all back on my credit report and my score went down.

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 2015-08-17
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This problem started with a XXXX timeshare purchased by my ex in 2005. He supposedly gave it to me as a gift so I was tricked into signing the contract. I subsequently found out it is a timeshare trick because his credit record was so bad he would n't qualify for a loan. As a result, XXXX put the whole thing under my name only without my knowledge. Because of XXXX I never got any documentation. XXXX apparently sent all correspondence to him. He vowed to bankrupt me and ruin my credit. Even though there is a court order stating he had to tell me if there was a XXXX issued he never did. This year a repo showed up on equifax from XXXX who apparently bought XXXX. They refused to acknowledge that. Ever received notice, and refused to honor the divorce decree showing it as a joint debt. After many calls I got the contract cancelled. However, They say I owe a balance and nothing went on his credit report. 1 ) is n't there any protection in XXXX situations? 2 XXXX how can you repo time? Does n't there have to be real property? 3 ) how can it show as a repo and a balance due on my credit report? Is n't it one or the other? 4 XXXX why is n't he being held responsible for the debt? 

This is keeping me from getting any loans 8 years after it occurred. They strong armed me into paying {$1400.00} to clear the repo from my credit report and after I sent the check they said it does n't guarantee they will remove the repo. 

Help me get free from my ex XXXX and XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent Equifax a letter on XXXX XXXX 2016 certified mail proving that they did receive my letter. The purpose for sending the letter is because I see several things on my credit report that do n't belong to me. I sent Equifax supporting documents including a police report of the identity theft incident. Euifax never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to refinace. I had a difficult time getting a payoff from seterus. They would not talk to me because i had come out of a chapter XXXX in XXXX. After sending many documents and several phone calls and a copllaint to the cfpb seterus did finally send me a payoff. However it was Over {$14000.00} what is reported on the credit report. When i contacted the loan servicer a agent told me that probably wasnt the corect payoff because they havet finished my final cure. I was transferred to a supervisor and she said she would look in to it and phone me back the next day. She never did. I then got in touch with the somone from their consumers and government affairs office. She told she would look into it and call be back the next day. She did call, she said that they had to get in touch with the company that handled my mortgage before them because they did something with a escrow account. I have not received a call back, today makes a week. 
I have already lost XXXX credit in closing cost from my refinancing company when i went oast my lock in date because seterus has not provided me with a corect payoff. 

I have been trying to get a payoff from them since XX/XX/XXXX. I need a corect payoff from this company ao i can refinance. If they say i owe more id like a account of why and when this extra debt accured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: TX
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 sent out 2 letters each on XX/XX/2022 through certified mail to XXXX, Experian and XXXX to remove personal information that I do not want on my credit report. According to FCRA 15 U.S.C 1681 I have the right to privacy and according to 15 U.S.C 6802, no financial institution can share my personal information to third parties. I also did not give written permission for any company to furnish these items on my credit report. 

These are blatant violations of my federally protected consumer rights. 

Here are the individual tracking numbers : 1. XXXX Delivered XXXX XXXX 2. XXXX Delivered XXXX XXXX 3. XXXX Delivered XXXX XXXX 4. XXXX Delivered XXXX XXXX 5. XXXX Delivered XXXX XXXX 6. XXXX Delivered 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 2016-08-08
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I am reaching out in reference to an earlier complaint that I filed - XXXX. 
Target indicated that they would go back and correct any negative information on the credit report- and that has n't happened as of yet. I called Target and they stated the information was sent the credit bureaus and I should see an update within the next few days. I waited another week and it still has n't happened and it 's now XXXX XXXX. Again, working in the lending industry, this should have been corrected by now if they had processed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a Regions LifeGreen Checking account in-branch after receiving a {$400.00} offer in the mail. The offer required completing certain activities to receive the bonus, including XXXX debit card transactions and enrolling in online statements, which I did. According to Regions, they tried depositing the {$400.00} bonus on XX/XX/XXXX and the account was considered to be in a " soft-close '' status because it had a {$0.00} balance (? ) so the {$400.00} bonus payment wasn't completed, even though I have a recurring deposit every two weeks. 

I called in about not receiving the offer and confirmed I had completed all other activities except for the account being at a {$0.00} balance at the time they tried depositing the payment, but at no time was I informed that to be considered " in good standing '' the account had to be positive at all times. Regions was unwilling to bend on this " condition '' of theirs which at no time had been relayed as part of the offer, nor had I received any notification about this new " condition '' throughout the 90-day offer period. 

I am asking the CFPB to please step in and have Regions honor the marketing incentive, as it seems disingenuous that their internal " soft-close '' status is what rejected the new account offer, and it was never mentioned that that was a 100 % requirement to actually RECEIVE the bonus after having completed all other prerequisite activities.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contact and retained The XXXX XXXX This Credit Reporting Agency has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next steps. 

Please cease and desist all reporting of these accounts and inquiries. 

Accounts include : XXXX XXXX XXXX - {$0.00} auto loan {$42000.00} ( in collections/charge off ). 
XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$5900.00} XXXX XXXX XXXX - {$3200.00} Inquiries include : 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

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 2015-05-02
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was moved to Seterus in XXXX 2014. I am currently in a chapter XXXX bankruptcy that will be paid off in XXXX. I have filled out paperwork with my attorney 's approval so I may talk about information regarding my loan and sent it twice to the address I was notified by Seterus. My attorney also faxed the information twice to the phone number Seterus instructed twice. When I call about my loan, I am told this information has never been received. I am angry that my rights to my mortgage have been violated. I see several mistakes on the Seterus periodic loan notice but can do nothing to dispute this information. Furthermore, Seterus sends any information to my attorney annd I have yet to get a statement from Seterus. I want my account updated so I may have access to dispute any problems. I also am requesting an audit of my loan as I see there are mistakes on my loan. If you do not handle the auditing procedures, I appreciate any referrals you can provide. I want to thank you in advance for your help in this matter. Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The reason I am writing you today is because XXXX Credit Reports states that they had some " investigation '' when I disputed a notation in reference to XXXX / XXXX but the issue is. The amount reported from the Reporter ( XXXX / XXXX was much higher then the agreed to amount between myself and XXXX collection agency. There was litigation then we settled out of court for XXXX but there has not been any notation that the payment was properly applied to my account. I see from the most recent credit report the XXXX settlement is being ignored and the XXXX payment is being placed against a much higher balance this balance is not what we agreed to and wrong. This was reported to the credit reporting agencies including XXXX on several occasions but they state an investigation occured. If this indeed happened there would be evidence I asked for this evidence. None was received by me. I believe that if those who place information onto a credit report pay a fee to do that that creates an conflict of interest when a subject of the report attempts to correct an inaccuracy. Disputes go as far back as XX/XX/2013 I have a copy of the NYXXXX XXXX Complaint. This company had more then enough time, it 's time to remove the item from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any ev
idence. 15 USC 1681.

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