BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
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:
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX 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 XXXX 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. 



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


15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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 am writing to you as the surety and beneficiary in an implied trust relationship with you as Trustee and as the surety with invoked equitable rights on behalf of XXXX XXXX XXXX XXXX hereinafter referred to as the " consumer ''. It has come to our attention that there have been unauthorized inquiries on the consumer 's credit report, which not only infringes upon their rights but also poses a significant injury in equity. 

The unauthorized inquiries have directly interfered with the consumer 's ability to conduct commerce, thereby causing undue harm with denials and opportunity loss. Such actions can be construed as a violation under the XXXX XXXX and XXXX XXXX ( XXXX ) XXXX, given the organized and systematic nature of these unauthorized inquiries resulting in continued interference with commerce. Furthermore, these actions can be deemed as unfair and deceptive trade practices, which are in direct contravention of consumer protection laws. 

Moreover, it is our understanding that certain user agreements may have been formulated without proper legal oversight, leading to the unauthorized practice of law by a corporation. Such actions not only undermine the sanctity of the legal profession but also jeopardize the rights and interests of unsuspecting consumers. 

As Beneficiary, we urge Experian as fidcuairy to take immediate action to rectify this situation. We request a thorough investigation into these unauthorized inquiries and the removal of any such entries from the consumer 's credit report. Additionally, we seek assurance that measures will be put in place to prevent such unauthorized actions in the future. 

Failure to address these concerns in a timely and appropriate manner may compel us to take further legal action to protect the rights and interests of the consumer. We hope it does not come to that, and we can resolve this matter amicably. 

Inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian We appreciate your prompt attention to this serious matter and expect a response within 15 days.

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 2023-05-31
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, 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 explanation
Consumer complaint received 2022-10-21
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I dont recognize this inquiry and never gave permission

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 2023-05-31
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 my NUMEROUS 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 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 2019-09-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Infiniti Financial did not take out the final auto-draft, after taking 59 other payments which I paid on-time each month. When I contacted them about it, I spoke with a manager who confirmed the system had an issue and said he would fix it but it is their policy to STOP TAKING AUTO-DRAFTS ON THE FINAL MONTH. They waived late fees and interest, I paid off the loan and thought it was closed despite this deceptive business practice.

This line on equifax report now says " not more than two payments past due '' which has dropped my credit score by more than 70 points. I requested they correct it to " pays as agreed '', but they said there is nothing they can do, the request was rejected.

I have an open dispute with equifax, but I also think Infiniti is acting in bad faith, possibly impacting others intentionally at the end of their loan terms in order to intentionally collect late fees and over due interest. Making it standard business practice to stop auto-drafting in the last month, after doing it for 5 years, does not pass the " reasonable standard '' in that it creates a negative mark when customers are more likely to be looking for another loan, therefore inflating possible APR for the next automobile purchse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I WAS PROVIDED WITH A MODIFICATION EARLIER THIS YEAR AFTER MAKING COMPLAINTS THAT OCWEN WAS UNABLE TO OFFER ME A LOWER PAYMENT. 

I WAS GRANTED A MODIFICATION AND I BELIEVE I HAD MADE 2 PAYMENTS UNDER THE MODIFICATION BUT THEN MISSED THE LAST PAYMENT DUE TO A LAY OFF IN XX/XX/2018. I WAS UNSURE WHETHER I WAS GOING TO RECEIVE ALL OF MY SEVERANCE FROM THECOMPANY IN TIME. I MISSED THE LAST PAYMENT AND HD TO APPLY ALL OVER AGAIN. 

OCWEN PROVIDED ANOTHER MODIFICATION A FEW DOLLARS HIGH AND THE FIRST PAYMENT WAS DUE IN THE MONTH OF XXXX BY THE XXXX. I ONLY MADE A PARRTIAL PAYMENT BECAUSE THERE IS {$570.00} SITTING IN UNAPPLIED THAT SHOULD BE USED ALONG WITH THE PARTIAL PAYMENT SUBMITTED. WHEN I CONTACTED OCWEN CUSTOMER SERVICE TOLD ME THAT THE MODIFICATION HAD BEEN CANCELLED. XXXX. 

LET OCWEN GO ON UNEMPLOYMENT AND THE INVESTOR OF MY LOAN GO ON UNEMPLOYMENT AND SEE HOW ITS LIKE. THEY WILL ALL MISS XXXX IN THEIR 18K GOLD TOLIET BOWELS. 

TODAY I RECEIVE A ETTER THAT MY NAPPLICATION IS DENIED FOR A MODIFICATION BECUASE I MISSED THE PAYMENT THIS IS XXXX AND DISCRIMINATION AAGAIST ALL HOMEOWNERS THAT ARE EXPERIENCING HARD TIMES. AS WELL AS I HVE BEEN FIGHTING FOR 8 YEARS AGAINST OCWEN AND THE INVESTOR TO WORK WITH ME BUT THEY REFUSE TO ABIDE OF THE LAWS TO HELP HOMEOWNERS. 

THIS MATTER IS NOW BEINGING HANDLED WITH CFPB. I AM NOT CONTACTIUNG OCWEN ON THE PHONE FOR ASSISTANCE. THIS IS ABSURED. AND NEED ASSISTANCE AND REFUSE TO GIVE UP MY HOME OVER MY DEAD BODY. IF THEY ASSISTED ME AGAINST ALL THE COMPLAINTS I SUBMITTED WITH CFPB THIS HOME WULD NOW HE HALF PAID OFF. 

MY APPLICATION ALSO STATES THAT MY REQUEST FOR MODIFICATION AGSIN HAS ALSO BEEN DENIED. I WAS ALREADY IN A MODIFICATION STARTING THE MONTHLY OF XXXX NOT XXXX OCWEN IS PLACING ME IN UNDUE STRESS AND THIUS XXXX IS UNACCEPTABLE AGAIN AND ALL COMPLAINTS GOING FORWARD WILL BE SUBMITTED WITH THE CFPB. 

OCWEN IS ONLY A DEBIT COLLECTOR AND THEY DUE A POOR JOB AT THEIR JOBS AND ASSISTING HOMESOWNERS,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
My XXXX XXXX visa credit card is missing on my credit report. They sent a new card when it was expired but I missed it. Therefore requested a new card almost three months ago and using it since then, but it is still not showing up on my credit report. The card was previously there on my account for three years but suddenly disappeared. I called the XXXX XXXX visa and they said there is no miss on their side. So I created a ticket with the credit bureau a little more than two months ago. I received an email saying the steps they are going to take to resolve the issue but that too of no use. Since then I check for the credit report to be updated but nothing helped. My credit dropped from excellent to fair. All I see are requests to get a new credit card. But the current XXXX XXXX credit card is not even there and unfairly removed. I have always made all my payments before time and never had any issue with my credit

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 2023-10-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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:
Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: M1 Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
For XX/XX/2023 and XX/XX/2023 ive paid my entire statement balance and was still charged interest both months. The month before that they conveniently took nearly 10 days to complete a transfer of money request to pay the credit bill and charged me a huge fee for the payment bouncing this conveniently settled the exact day after the bill was due. Keep in mind this money was settling between accounts at the same company. I now believe this company to be predatory and fraudulent. Ive contacted the company by phone and there is nothing we can do about the interest being applied even though full statement balances are being paid. Ive also filed a finra complaint that they fixed behind the scenes after receiving and then answered in a non serious way down playing the theft ( or incompetence ) that apparently happens there on a normal basis. 

I have attached screenshots of me paying the credit card the day before the due date and then it settling 2 days later with no grace period like 100 % of other companies offer when they know youve submitted the payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from XXXX, XXXX, experion, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NC
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 ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big 3 CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( XXXX ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. You are now in liability as I have insisted on the immediate removal of the identified items in the past, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is refusing to allow me to come out of forbearance and resume making payments. My mortgage was current when I went into forbearance ( never paid late ). My first request to come out of forbearance was on XX/XX/2021 and the associate at Wells Fargo told me I was being taken out of forbearance and would receive a letter within 14 days. She said I would have 30-90 days to choose a program option for dealing with the amount of money that is owed due to forbebearance. I did not receive a letter and have since called back numerous times and each time I get a difference answer depending on who we talk with. I was told today by Wells Fargo that the FHA has placed all forbearances on hold and I can not come out of forbearance and resume making payments until the FHA releases the hold. I can find no such evidence of the FHA putting forbearances on hold on the FHA website. I am getting nowhere with Wells Fargo on this matter and feel that Wells Fargo is holding me hostage at this point.

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 2023-08-14
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I respectfully call for your adherence to the Fair Credit Reporting Act ( FCRA ), a critical legal framework designed to safeguard the rights of American consumers concerning credit bureaus. In light of this regulatory context, I kindly request XXXX to take the necessary steps to omit the following account details from my credit report : XXXX XXXX XXXX XXXX XXXX PENTAGON FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I emphasize that the inquiry associated with this entity was not initiated by me. In accordance with the FCRA, which places substantial importance on the accurate and equitable representation of individuals ' credit histories, I implore your prompt attention and resolution of this matter. 

Your steadfast commitment to upholding the core principles of consumer rights within the realm of credit reporting is greatly appreciated. I look forward to your timely response and the corrective measures needed to address this situation.

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 2021-07-30
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my lease ended on XX/XX/2019, on XX/XX/2019 i signed a a new lease, back in XX/XX/2019 i lost my job so i went to the leasing office and explained them my situation, they started playing with me likes the person is not here, that i have to sign other form etc.so i paid until my last day at the condo ( by the way i was paying on time every month ) and left.i don't really understand why they want me to pay them if my renewal was never done.knowing that the situation could affect my credit, i called hunter warfield inc and acccept to pay XXXX per month ( eventhouth i don't accept the debt ) in order to keep my credit ok for wish they agreed.after a few months i find out that it was on my credit so i stoped paying for something i did not agreed on the first place.in my opinion this is an scam that this leasing co is doing to the tenants.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
someone opened up a line of credit and a checking account at XXXX XXXX in my name. It also showed up on my credit report. I called XXXX XXXX  and they were able to I called Experian to have the fraud alert put on account and to have the inquiry removed.

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 2023-06-03
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:
I did not open these two accounts. I have been XXXX  from XXXX until XXXX XXXX, XXXX and need to get these two XXXX  accounts removed from my credit report. I have been released to the halfway house under the COVID cares Act as of XX/XX/XXXX, until XXXX and want this completed prior to being released. 

I have sent proof of FTC Theft report, XXXX  and release information and want this deleted from my credit report as I did not open these accounts. Please remove this incorrect information from my credit report. Thank you

Company response to consumer: Closed with explanation