BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-09
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was involved in a car crash in XXXX where my car was totaled and the gap insurance paid off car which has left a balance on car of XXXX plus dollars. And it is still showing open with a late payment for XXXX years consecutively. I have made several attempts to pay debt but also asking the creditor to remove late payments they are refusing which is very disheartening. Because this is crushing my credit worthiness and affecting my life from moving forward. I am willing to pay amount in full but I have been trying to work with Credit Acceptance and they are making it very difficult for me. According to 15 USC 1666 B timing of payments a creditor should not treat a payment under a open ended consumer credit plan as late for any purpose. unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required.

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 2018-09-07
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is about a 2nd loan mortgage from Guaranteed rate, Inc. XXXX XXXX XXXX XXXX, Illinois XXXX. This loan was funded XXXX XXXX XXXX. The loan number is XXXX. The loan has a second home rider attached to it. the address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. On the second home rider item 6 Occupancy is in question. The home has been rented out for short term rental since XXXX  forward. The home has been permitted by XXXX XXXX Neveda and advertised in XXXX since XXXX. Item 8 Borrower 's Loan application is in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The following is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: MS
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX XXXX three friends and I found an apartment unit in downtown XXXX on XXXX to rent for {$430.00} from XX/XX/XXXX to XX/XX/XXXX for our spring break trip to XXXX. The photos and reviews of the apartment seemed nice, so I booked the unit with my XXXX credit card XXXX on XX/XX/XXXX through XXXX website. However, when my friends and I arrived, we discovered that the apartment was not as advertised, and soon realized that most of the photos and reviews were fake. The windows were broken, the bathroom was in utter disarray, the bed and floor was dirty, the unit did not fit four people as described, and there was trash and XXXX all over the place. The host had billed an additional {$300.00} deposit " refundable only if we stay '' from my XXXX credit card, which was not brought to our attention before we rented the unit, so we had no choice but to stay at that dilapidated unit. After the second night, I found multiple rats had infested our unit and took photos. They chewed through our food, chewed through our electronics, and left dung all over the already dirty floor. We decided to move out early, and I had to do basically all the cleaning even though the host had charged me over {$120.00} in " cleaning fees. '' I confronted the host about all this, and the host even refused to refund me any portion of the {$430.00} stay! I immediately tried to escalate with XXXX customer service and file a chargeback through my bank, Navy Federal, in the weeks after the stay but the dispute was denied. This XXXX unit was an utter scam for {$430.00} and tarnished the reputation of XXXX in my eyes ; I could've found many 4 star hotels in XXXX that are cleaner and nicer than this XXXX. If this is the quality of units and hosts that are on XXXX, then please, I do not want to ever use XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Ditech XXXX Shellpoint XXXX To Whom It May Concern : Your assistance in resolving the following matter is needed, Our mortgage was serviced by Ditech until XXXX of XXXX. All payments were properly recorded and the account status was current. 

Ditech went into bankruptcy and was bought by New Rez ( dba ) Shellpoint. This is where the nightmare began. Neither Ditech nor Shellpoint sent any notification that the loan had been sold. I found the information by going to the Ditech website to make a payment XX/XX/XXXX. I then searched for the information on how to pay Shellpoint. 
Our account has been protected by bankruptcy which we filed in XXXX. All post petition payments were made directly to the Ditech website. However Shellpoint said they would not allow payments to be made directly on their site due to bankruptcy. I therefore made the first payment by debit, on the phone with Shellpoint on XX/XX/XXXX. All subsequent payments have been made via bill pay from my XXXX XXXX checking account. We completed our final bankruptcy payment on XX/XX/XXXX and the court sent out a document of final cure for which New Rez 's legal representation responded that the account was current with no arrearage. Immediately after final payment ( XXXX ) Shellpoint began calling claiming our account was two payments past due. This is incorrect and we have documents to support. I attempted to communicate with Shellpoint on multiple occasions but they refused to either acknowledge receipt of documents sent to them or correct the matter. 

I reported this activity to our Bankruptcy attorney who notified the court. 

While the matter has been corrected by Shellpoint as the court directed, this poor accounting and perhaps egregious attempt to create foreclosure circumstances has created great stress and anguish for us. We were repeated harassed by collection calls and erroneously reported as late to credit bureaus. Additionally, I suspect there have been errors in applying escrow payments as Ditech showed a positive balance and Shellpoint shows a negative. I therefore am seeking your assistance in getting this matter corrected and that all information is provided in written format. That all credit agencies are notified, and any fees, or charges related to this matter are refunded along with any penalties or fines applicable are assessed. 

Urgency in resolving this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my Consumer Report account, and I would like to unfreeze my Consumer Report but I can't get in contact with anyone at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX XXXX about my credit card asking them to postpone the due date to pay for the credit card by 3 days. the agent over the phone said yes we will postpone the due date by 3 days to give you time to pay for the balance that was due earlier than expected because credit cards can be due every 4 weeks instead of every 31 days. They closed my card right after that and did not delay payment by 2 days nor even by 1 day, immediately closed the account and sent it to my collections to damage my credit score. I contacted XXXX XXXX and equifax both to dispute the charge and they denied to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX CFPB claim number for Equifax. I never every said my auto loan with XXXX XXXX XXXX. I never ask for this account to be under investigation. Why is it under investigation? I never said this account was fraud or identity theft! Please take it off the investigation list its not fraud or identity theft! Please pay attention to what I text write to you. It seems like you are doing what ever you choose to. I sent for you to take off a loan from the company XXXX XXXX. XXXX XXXX. I never opened this account is the only thing that needs to be under investigation for fraud and identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: VA
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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX.The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Advanced Resolution Services Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested that ARS, Advanced Resolution Services , Inc. put a security freeze on all of my information. I had problems getting them to cooperate. Finally, on XX/XX/2022, via a series of emails, they acquiesced and put a freeze on my information. Then I received a letter stating they were refusing until I provided them, once again, with proof of my identification ; they included : name, address, phone number, social security number, and copies of my state ID and SS card. They quote CA law that I believe is moot due the FCRA. I do not think I should have to provide this sensitive information. Furthermore, I have copies of the email series, their letter, and other documents that I can provide. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX ( TransUnion and XXXX ) and XXXX ( XXXX ) I temporarily " lifted '' or " thawed '' my credit freezes. The freeze was to go into effect just for today, XX/XX/XXXX so I could apply for a new cable/internet service. I received notifications this had been done. When my credit was pulled by XXXX XXXX today, I was informed my credit was frozen and had to cancel my sign-up. I went online and verified that all the accounts had temporary lifts of the freeze. 
I suspect, but can not verify, that XXXX was the problem. This is because it took me hours to remove the freeze with them and minutes with XXXX and XXXX. I recognize it could be the others or even XXXX that has the issue.

Company response to consumer: Closed with explanation