BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: Synovus Bank
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:
XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX, Credit Reporting Agencies ( CRAs ) and XXXX XXXX XXXX XXXX ( ACDV ). 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. 
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Loan Depot for approximately six months applying for a loan modification. I have submitted two applications within that time. They have stalled and stalled claiming the need for documents that I have already sent them over and over. The latest now is that they have filed for foreclosure even while they are reviewing my last application. I have been served by the circuit court of XXXX XXXX with a hearing date set for XXXX. I have recently received a letter confirming that they were reviewing my application, so I am not understanding why they are moving along with foreclosure. I have been told several times that they would not move to foreclose as long as they were reviewing my application. Please help me in this in any way that you can. Thank you sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting a XXXX XXXX XXXX XXXX XXXX {$14000.00}, XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX XXXX {$2500.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$770.00} has violated my rights to privacy. 
15 U.S.C 1681 SECTION 602 A .Its states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section A states I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I am reporting about error in my credit profile. I found account that is not mine, somebody filed it however I am not connected to this account absolutely. Please I kindly ask you to remove it because I am victim of identity theft that's obvious.

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 2023-06-15
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a rental property on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX  credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX XXXX ( XXXX ) ( XXXX  ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2023-01-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, MA there was a Housing Grant XXXX XXXX One Mortgage that was income limit based. My Mortgage Loan Officer had me apply for one program, was overqualified, then applied for another program, uploaded all of the required documents in a timely manner, paid for home inspection, appraisal, to then be told, I was over the income limit. So I didn't close/ won't close as anticipated. Moved $ over from Retirement, not a lot, but will have to address any tax penalties.

So the loan officer couldn't tell me that before that I was over the limit? Before I paid {$890.00} for inspection & more than {$400.00} for an appraisal, on a house I won't obtain or acquire. What a reckless waste of time & my hard earned $ and time. 

Is there no recourse for me as a first time home buyer?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Collections account # ( XXXX ) : XXXX, XXXX, has violated my rights. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. states that I have a right to privacy. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : States that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-23
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: UT
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:
I had an auto loan with XXXX XXXX XXXX XXXX originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected immediately.

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 2022-02-21
Company: EQUIFAX, INC.
State: UT
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:
I had an auto loan with XXXX XXXX XXXX XXXX  originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: NC
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:
I originally filed a complaint with the CFPB regarding a verification letter that I sent to and was received by Equifax on XX/XX/2022. CFPB Complaint # XXXX. In the letter, I requested verification of a Bankruptcy item, and I also requested the Method of Verification as well. 

Equifax exceeded the maximum amount time of 30 days in which to respond. They failed to respond until after I filed my complaint at which time, they opened an investigation when they should have deleted this item pursuant to the FCRA. 

Now they are claiming as no XX/XX/2022 they verified this item to be accurate. This is no doubt, a violation of the FCRA. It is clear that courts do not report to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: REGIONS FINANCIAL CORPORATION
State: WI
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:
At the suggestion of the company that installed my windows, I took out a {$45000.00} home improvement loan from EnerBankUSA, which is located in Utah, now a subsidiary of Regions Bank in Alabama. This was a home improvement loan which if fully paid by XX/XX/XXXX would accrue no interest. 

After the windows were completed in XXXX XXXX and the company was paid, the loan was added to my credit scoring. Unknown to me, and not discovered until I saw my credit score decrease from XXXX XXXX XXXX. As I was looking into it further, on a credit report, they had closed my account for non-payment. It was later reopened but there was no return of my credit score back to its original score, it still remains in the XXXX 's. This must be restored to normal as soon as possible, as my car was just totaled and I need to be shopping for a new one. I am also a retailer and don't want my accounts to be closed.or new ones not accepted because of my now lagging credit score. 

I have spent numerous hours trying to get in touch with the bank at both the normal and customer service numbers, and have stayed patiently waiting now for up to 2 hours at a time. I always get the same recording on both lines which says because of high calling time the wait will be ... the last time XXXX min on the regular line and XXXX min for the customer service number. I have tried, morning, noon and afternnoon, There is no way to actually contact this bank, and I certainly wonder if all these other calls are not for similar reasons as 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 2023-02-23
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/17 ( which is my actual pay date ) Chime withheld my direct deposit saying it was a problem with my employer when I contacted them and I know that not to be true bc my fellow employees got paid and I was the only one who didnt. I tried contacting chime and they never responded. I was paid later that day and no one said anything after some of my payments were declined and additional fees were charged to me. This is not how to run a business and they need to be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
this is my name and my address that need to be on my credit report social seurity number XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/ XXXX/ this need to be on all credit reporting agencies

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 2022-02-20
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:
Experian has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, CA State ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. Experian has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my XXXX XXXX XXXX XXXX daughters. Being a XXXX XXXX victim fleeing my abuser at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my FTC ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which Experian explicitly lists as XXXX XXXX XXXX I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via USPS with a security freeze pin, yet Experian states that XXXX verified my information. I interpret that as XXXX violated my rights under the FCRA and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.

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 2023-11-03
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:
Inquiries not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX XXXX Date Opened ( XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened 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 explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2022-02-19
Company: EQUIFAX, INC.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation