BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America promise me to modify the loan and ask me for several paperwork over the course of two years but in the end are foreclosing my home on XXXX XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Equifax for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Equifax is given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed account with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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:
On XX/XX/2021, I requested the Credit Bureaus to verify the debt of XXXX XXXX I have not received any updates of any of my requests. I also contacted XXXX XXXX directly and they have to response to my multiple requests for them to verify this debt actually belongs to me with a signed written agreement as the Fair Credit Laws entitle 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 2015-03-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
An merchant account was created in my business ' name using my company 's EIN number. This account was created by someone who was not an officer of the business and Chase followed NO due diligence in making sure the account being opened was actually legitimate. Over a week before the account was closed, they allowed over {$7000.00} in charges ( that I am unaware to which bank account they went, since it was not mine ) and are claiming I will be liable for any charges made under my business name. Moreover, they are absolutely REFUSING to disclose any information to me without jumping through numerous hoops and filling out paperwork. They wo n't even give me such simple information such as WHO Opened this merchant account, because they could not have been an officer of the company. I 've spent several days waiting on calls back and spoke with several representatives all of whom acknowledge the fact that my identity and business ' entity 's information may have been compromised but they refuse to help me in any way or disclose the information I require to further investigate or take action against the perpetrators. I demand Chase disclose all pertinent information regarding this case ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had sent two ( 2 ) certified letters to ( XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ) : Letter one ( 1 ) was asking for the validation of debt. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) then responded by mail with just a letter dated XX/XX/2018 in response to my first request. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Did not include any original documents pertaining to this alleged debt. 

Letter two ( 2 ) was mailed on XX/XX/2018 to cease and desist communication with me because they have not sufficiently shown or provided proof of this alleged debt with original documents. 

Now, on XX/XX/2018 I received a new letter from ( Resurgent Capital Services ) which is another " company '' working with " XXXX XXXX XXXX '' in response to my second certified letter as they have said in the most recent letter mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 XXXX XXXX. Never heard of this company!!

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 2021-02-23
Company: EQUIFAX, 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:
Hello, I would like to report a mistake in my credit profile. Somehow I have accounts that are not mine in my profile. I rechecked couple of times and they are being reported over there. I am writing again, to request that you reinvestigate these accounts, and delete them. I have very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. Its identity theft! 
Please help me and remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
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 XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2022-07-27
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:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX  Date of Inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}

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 2022-07-27
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 XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have my credit report frozen and a fraud alert on my credit reports and yet for some reason on my Equifax report it shows that XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX, On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX On XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX BANK XXXX XXXX XXXX all ran my credit it and it shows up on my credit report. I have filed a dispute with Equifax and they replied with the information on my credit report is valid. When in fact it is not valid and I am a victim of fraud. 


XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Soft Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Account XXXX XXXX XX/XX/XXXX EQUIFAX Automated XXXX XXXX XXXX XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX CAPITAL XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX BANK Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System All credit inquires on my report were not my doing and yet they still keep them as valid. 
I have also filed a dispute about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX and was also told this too was valid!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I was XXXX, and when I was released I checked my credit score to find out there was a credit line taken out with capital one and maxed out. I disputed the transaction and they concluded that the account belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The credit agencies were notified VIA CERTIFIED MAIL on XX/XX/XXXX that I was disputing two items ( XXXX ) on my report. The mailings were confirmed received. They were also notified via regular mail, per CA Code of Civil Procedure 1013, " Service is complete at the time of deposit ... '' NO ONE RESPONDED. I then notified the agencies on XX/XX/XXXX that I had not heard from anyone and that their time to investigate was up. 

THEY ARE NOW RESPONDING TO THE CFPB THAT THEY ARE EITHER CONDUCTING THEIR INVESTIGATIONS NOW = TOO LATE OR THAT THEY HAVE PERFORMED THEIR INVESTIGATIONS AND THE CHARGES STAND. THESE INVESTIGATIONS HAPPENED AFTER XX/XX/XXXX, AFTER THE 30 DAYS THAT THEY ARE ALLOTTED TO DO AN INVESTIGATION, PER THE FAIR CREDIT REPORTING ACT, HAD EXPIRED. 

MAKE THEM RESPOND BY GIVING YOU THE SPECIFIC DATE ( S ) OF THEIR INVESTIGATIONS. IF THEY ARE AFTER XX/XX/XXXX, THEN THEY ARE BREAKING A FEDERAL LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Westlake Services, LLC
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:
Last year I discovered a false account with WESTLAKE FIN reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but WESTLAKE FIN denied the claim. Yet XXXX and XXXX removed this fraudulent account. This is not my debt. I have been cooperative with everything asked of me to dispute but WESTLAKE FIN refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been incarcerated and pulled a copy of my credit report it appears that someone open an account in my name that I didnt authorize and my identity was stolen

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 2022-07-27
Company: EQUIFAX, INC.
State: TN
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:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it is said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said that you have 30 days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or incorrect on them. 

I demand the following accounts to be verified or removed immediately. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX ( {$670.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$0.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX ( {$1200.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$960.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$650.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent 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 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation