BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NJ
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:
REMOVE THESE INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX THSEE ACCONTS IS NOT MINE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER HAD LATE PAYMENTS ) XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: OH
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 Account XXXX XXXX # XXXX, has violated my rights. 15U.S.C. 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2021-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been working with XXXX  on this issue since XX/XX/2020. Back in XXXX I submitted a partial claim due to Covid, for roughly the amount of {$7000.00}. Shortly after though, I decided to actually do a loan modification instead of the partial claim. I have a statement that even shows that amount added to my principal and then paid off when I refinanced. Yet the lender is saying that I also did the partial claim, but you can clearly see on my payment history that they added the amount to my balance and I paid that in full when I refinanced my mortgage. They still filed the partial claim though and it's showing on title. I tried to get them to do a re-conveyance of the partial claim and now they're saying I did both the modification and the partial claim, which is entirely impossible. They literally show on my payment history that I didn't.

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 2023-10-29
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATIONXXXX Balance details 11 % paid off Balance {$860.00} Balance updated XXXX XXXX, XXXX Original balance {$980.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance $ XXXX  Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2022-10-13
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed my bank account on XX/XX/XXXX. I opened an account with them on XX/XX/XXXX. The deposit was from a lawsuit settlement. I went into the bank and received a cashiers check then soon after I tried to purchase car insurance and my card kept declining. I called the bank they told my they had terminated their relationship with me with no reason to explain. They said they funds that were in my account were blocked and I am unable to access them for 30-60 days. Ive been calling and reaching out and no one has been giving me updates. My account has well over XXXX in it as I said from a lawsuit settlement. The bank illegally closed my account with no reason.

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 2022-05-03
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX credit score for years and all of a sudden I see a collection report. This is unacceptable. How is it possible for the credit bureaus to add a collection and not inquire the consumer? The collection added hurt my credit score and is not justified! I disputed it with the credit bureaus and they replied within a few days. I was not provided with any supporting evidence. I dont owe the account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to get a hold of an agent at my mortgage company, Amerihome Mortgage for the past two days, having made over 10 calls and waited on hold for over 3 hours collectively without being able to speak with one of their representatives.

All I needed to do is update my bank account on autopay because my old account is no longer active and my payments keep getting rejected. I called in XXXX to add the new account and remove the old bank account, which still hasn't been done. As a result, my last two payments have been late and I've been incurring late fees because the system won't stop drawing from my old bank account. I even tried to do this online through their website, and the system showed an error and directed me to call in instead, so the issue is still unresolved months later. 

Needless to say, I am absolutely furious about this experience. I've been doing all I can to be make my payments on time, even setting it up automatically, yet I am still having issues and getting assessed late fees due to no fault of my own. The fact it is so difficult to speak with someone to resolve the issue is baffling and something needs to be done about this company 's lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX have 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

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 2022-08-12
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below XXXX XXXX XXXX XXXXXXXX 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 2023-10-29
Company: EQUIFAX, INC.
State: WA
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:
well on the date of XX/XX/2023 i filed a dispute through the CFPB to XXXX XXXX an equifax as well due to the fact that there are reporting incorrect info on my credit report that is damaging my life in way not even known and they both got back to me one in just a Little under a month and thee other in just a little over month witch is not legal but anyway to put it short they are both saying the same thing to me about not being able to understand what it is that i am filing about well it is clear to see an is clearly not rocket since i have sent screen shoots to back my claim as well but here i am doing this again because i filed a dispute with XXXX  as well and they are getting back to me with the same response as well so here i am to clear the air one more and hopefully final time so that they understand i have updated info on the things that i am filing about and will one again post screen shoots with this dispute please help for one they want up to date address info and that i do not have because i am currently homeless in XXXX wa so as far as an address to give i dont have one no one wants to rent to me because i have bad things on my report and to boot there are all different on each sight and all i get is this nonfiction saying that my reports are out of date and will up date in x amount of days or i can just pay to have updated right away witch i dont think is legal either not sure but this is really crazy that to know what i am talking bout they need to know about my past an current living situation its wrong and just down right unfair and it need to be fix so again i am saying its not rocket silence if all 3 are not reporting the same then that is grounds for removal getting back to me 30 or more after i file a dispute is also grounds for removal of any negative info on my report and one deletes it all of them have to delete it so please do so asap thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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:
I recently noticed fraud on my credit reports. Ive had fraudulent activity on my personal and business credit reports. I believe its from a stolen laptop and a break-in to my van. Ive already contacted some of the creditors and told them I never applied for their card or their account. Ive also contact the State of Florida to explain the person trying to purchase a home and cars in my business name does not work for me nor have I ever heard of them. I was told by the authorities this is a common practice from thieves to steal identity from older businesses. Please delete these fraudulent names, inquiries, addresses and accounts from my credit reports listed on the attached FTC Report. 

Also XX/XX/2022 I also noticed a new inquiry on my XXXX report for a RV company XXXX XXXX. I have no place, no need or room for a RV. I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased XXXX lock feature to ensure this stops. So no need for a fraud alert.

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 2021-03-09
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: AAA Auto Title Loans, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Cash 1 Has Not Been Reporting On My Account Since XXXX. I Have Been Making Payments And My Balance At This Time Is Only {$1900.00}. I submitted a dispute with XXXX and XXXX results came back stating that Cash 1 reported the balance as correct that is clearly incorrect.They have been reporting I owe {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Monterey Financial Services LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are charging me {$170.00} for an account that was opened. XXXX Knows when. This look fraudulent. it seems someone else bough something from the company they represent. 
I have no knowledge of how this happened and when this happened. My credit bureau was already informed about this mistake. The company says that it is mine and that I need to pay. I told them repetitively times it is not and that is fraudulent, They do not want to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: Bryant, Hodge & Associates LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Contacted my employer on the phone and stated that he was going to contact / call everyone at my employer until i paid the debt. Additionally, they called all my relatives harassing them about my debt, while they had all my contact information. I emailed them and verbally told them to only contact me through the mail and they ignored that and actually increased the harassment.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to get my credit report or dispute results from Equifax since XX/XX/XXXX. Uploaded documentation shows number of attempts to retrieve my report. I even had to start paying a subscription because I used up all of my free reports trying to see my report. I informed equifax through letters and phone calls I feared identity theft due to a divorce. I am a single mother of XXXX children in college and I am in college as well. I can't get student loans approved due to equifax. Lenders can not see my credit report. Even Equifax customer care states they can not see my credit report. I've tried to retrieve it through My equifax, credit karma, smart credit, XXXX website, and credit sesame. I have contacted Equifax customer care 4 times and each time they say they are escalating the case to IT and I will receive an email. I have never received an email from them out of the XXXX complaints that have been filed. I'm uploading documentation which shows where the disputes were filed and they say complete. But I can't see the results, and it never fixes the problem. The dates I contacted Equifax customer care are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am fixing to have to drop out of school because of this. They refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In the complain XXXX I was told the wrong information was been reported by 3rd party companies but these companies claim that is not true and it is a problem on how Experian is receiving and processing the information. To prove that, they claim the other Credit Bureaus report my name correctly, which is true. 
Experian has not provided any solution.

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 2021-09-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent two letters to MIDLAND CREDIT MANAGEMENT which is reporting a debt on each of three my credit reports, asking them to verify or validate that this debt belongs to me which they DID NOT respond to. I have filed multiple dispute letters : 2 Dispute Letters to XXXX, 3 Dispute Letters to XXXX, and 3 Dispute Letters to XXXX, and NONE of these 4 companies have provided any documentation proving that this debt belongs to me. This is a clear VIOLATION of the FCRA. Any information that can not be properly verified, MUST BE DELETED/REMOVED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
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: Account information incorrect

Complaint:
Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that XXXX  XXXX is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The XXXX XXXX accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for  {$500.00}. I was offered by XXXX  XXXX during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute  with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of XXXX  XXXX. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.

Company response to consumer: Closed with explanation