BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: MT
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:
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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : BILLINGS ANESTHESIOLOGY PC ) XXXX Date opened XX/XX/XXXX Balance {$13.00}XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} 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 explanation
Consumer complaint received 2015-12-10
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage account is currently in bankruptcy. Approximately around XXXX 2015 I submitted complaints to both the CFPB and XXXX in reference to SunTrust charging me {$1700.00} in fees. I was not notified of the fees and SunTrust also gave their lawyers inaccurate account information that led to a foreclosure process. In XXXX I received a letter advising that {$110.00} in fees was valid and the difference was credited. I called SunTrust to verify the amount I needed to pay for my Mortgage since there was going to be a scheduled change in the amount. Since I was advised my account was current, I was able to speak to a regular agent instead of being transferred to the Bankruptcy team. I also inquired about the fees owed. The agent advised me it was {$20.00}. I made sure to reaffirm the amount. I went into the branch and made my regular payment in addition to the {$20.00} in fees ( XXXX 2015 pymt ). In XXXX 2015 I received a letter advising that SunTrust filed post-petition fees in XXXX 2015 with the Bankruptcy courts in the amount of {$120.00}. This was the first time I have seen this document. Why was this amount not discovered during the four weeks of investigation on my account in XXXX 2015? Is the {$120.00} in addition to {$110.00} I owe? I hope this is another misunderstanding. I need to know EXACTLY what is owed in fees. So far I have been given various amounts from SunTrust ( {$110.00}, {$20.00} and now {$120.00} ). Also I called again just last weekend and your XXXX now has my account as past due. Please also note that due to my account being current I was denied a loan modification earlier this year. These conflicting status and amounts on my account is unacceptable and needs to be addressed. The inconsistencies make it quite hard to trust that all the departments are sharing appropriate information to manage this account. I hope this would be my last complaint and I would be able to get my account straighten out. I have attached a copy of response from the first compliant and the post-petition notice for your review. I should not have to spend this much time on this issue..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NY
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 sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: KY
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:
So I sent letters off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
So I sent letters off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: NY
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:
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 accounts 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 accounts 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. I have attached my FTC report and my Police report that I have filed on mylocal police department that would testify that I am a victim of Identity Theft. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}. 

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 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 2022-01-22
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I closed on a {$300000.00} mortgage for 15 years at 3.25 % with Caliber Home Loans. On XX/XX/XXXX, I made the first of XXXX bi-monthly payments via an ACH draw on my bank account. Each monthly payment was in the amount of {$2100.00}. On XX/XX/XXXX, I received a letter from Caliber Home Loans stating that I was in arrears in the amount of {$4200.00}, which would be XXXX monthly payments. They threatened to report me to the credit bureaus. I was not in arrears and stated that in a message posted to their customer service message server and asked them to state that they would not report me to the credit bureaus. 

When I did not receive a response from Caliber in the promised two business days, I initiated a refinance with XXXX XXXX for a 15 year mortgage at 2.625 %. That mortgage closed on XX/XX/XXXX and the payoff amount requested by Caliber was {$290000.00}. The outstanding loan amount, calculated by using an amortization table, was {$290000.00} and the refund owed to me by Caliber was {$2100.00}. On XX/XX/XXXX, I received a check from Caliber in the amount of {$1200.00}, which is {$840.00} less than the amount owed me. 

Well before I received this check, I filed a complaint against Caliber with the XXXX XXXX XXXX. I also filed a complaint against Caliber with the CFPB. I declined to accept the explanations offered by Caliber and, in my last response to Caliber, I requested a detailed statement from them showing how they arrived at the {$1200.00} figure. They refused to cooperate with the XXXX  and the complaint was closed with suggestions on how to proceed further. Caliber closed the complaint I had filed with the CFPB, stating that since the mortgage had been paid off, there was no justification for my complaint. 

If Caliber had responded to my initial complaint and worked with me to resolve it, I would never have filed with the XXXX or the CFPB. But Caliber did not do that. They made no attempt, at any time, to reach out to me to discuss a resolution to my complaint. I had no option but to file the complaints I did as trying to communicate with Caliber is an exercise in futility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i have no recollection of this debt and i reach out to the company for verification of this debt which they could not proved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
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 account 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 account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. 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 account/item which do not belong to me or were opened without my permission. 

CAPITAL ONE BANK USA N XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: BCI FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
City national bank, have put me in a stressful and mentally unstable due to their incompetence with my forbearance. Attached fine the letter they send me offering three month of forbearance I will never except anything from them after 8 month of trying to reach out to them. At no time have they CREDIT my late fees of 200 or more plus 30.00 of property inspection. My loan payment went up due to these fee that I was cover under the forbearance act. At no time the loan manager or their assistants have reach out to me I had to take a loan to pay all that past due amount which was not past due. My credit has also been affected because of the late payment they have managed to destroy my credit. The stress and mental issue they have left me is undeserving at these horrible time we are dealing with. Including losing my job after 14 years due to COVID19. My loan increase 50 more dollars due to all the late fee the escrow acct become -. I hope this is resolved soon. Thank you. 

I cant believe that at no time in this letter offered me all my fees back!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A court judgment has been reported incorrectly with all three of the major credit report companys. I was reported as being the Defendant where as I was the Plaintiff and that judgement was against me where as it was actually for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NY
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:
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 accounts 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 accounts 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. I have attached my FTC report and my Police report that I have filed on mylocal police department that would testify that I am a victim of Identity Theft. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date Opened : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}. 

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 explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 accounts 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 accounts 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. I have attached my FTC report and my Police report that I have filed on mylocal police department that would testify that I am a victim of Identity Theft. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}. 

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 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 2017-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 

XXXX : :XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX : :XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NY
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:
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 account 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 account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. 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 account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at XXXX XXXX! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card XXXX. 


When something went wrong with that checking account at XXXX XXXX- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 accounts 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 accounts listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. 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 accounts/items which do not belong to me or were opened without my permission. 

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