BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: General Motors Financial Company, Inc.
State: FL
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:
o Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX XXXX XXXX XXXX XXXXXXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received an alert that there was an new credit account on my credit report for a company called XXXX XXXX in XXXX Wisconsin. I immediately put in a disputes with all XXXX bureaus, had a freeze place on my credit reports and a XXXX alert placed on my credit reports and made a police report. I called XXXX XXXX about this account because I assumed it to be opened fraudulently upon speaking to XXXX XXXX and then a XXXX XXXX at XXXX XXXX I was told that the account did not belong to me that it belonged to another person with a similar name as mine this person also lives in another state. A state that I have no association with. After a 30 day investigation XXXX removed the item and address off my credit report stating that after their investigation it was found that the account did not belong to me. Yet Experian and XXXX refuses to remove the account or address off my report stating that the account is being reported as mine from the creditor and is associated with my social security number which is not true. I contacted the company XXXX XXXX again on XX/XX/2023 and was told that the account was not mine and that they are not reporting the account as mine that it belongs to another person with a similar name as mine and that the Experian and XXXX have made a mistake in there finding. I have been trying to get this taken care of for the last 3 months and both companies Experian and XXXX refuses to investigate this properly. If they did their investigation properly they would have found that I have never lived at or have any association with the address belonging to the account and that the company XXXX XXXX does not have me on file as having an account with them. These companies are refusing to investigate properly and will not remove the address or account that does not belong to me from my credit report.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.

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 2016-11-07
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My property is in Deed of Lieu and they are claiming that I have missed fourteen payments. I have not missed any because I have re-modified my loan. Could you please correct this on my XXXX and XXXX reports. The account number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 believe this XXXX credit card paper statement I just received in the mail is fraudulent. I never applied, opened or maintain a XXXX credit card, especially one with a {$500.00} credit limit and 29.9 % apr. I never received a physical card just this first statement in the mail which states I opened the card on XX/XX/23. I can also see a hard inquiry on my transunion credit report on XX/XX/23. I have called the XXXX card number customer service line XXXX and XXXX XXXX XXXX which is the bank associated with the card XXXX and they both want me to confirm my social security number, address, phone number, birth date, address and account number over the phone which I am not comfortable doing just to verify my account before having them look into fraud and stolen identity. They refuse to help further despite informing them I did not open an account with XXXX and wish to have it closed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 having unresolved charges for 6-months for non-received items from Amazon which were charged as delivered to my Amazon Prime store card, I paid in full and when posted to the account at XXXX balance I closed the account. Now in XX/XX/2022 ( 7-months later now ), Amazon has posted the credits which were due me to this closed account ( one month after closed ). Synchrony Bank has allowed transactions to occur on a closed account. This is unacceptable and must never happen, yet it has. In conversation with Synchrony, the representative with whom I spoke seemed to think this was fine and dandy since the transaction was a credit rather than a charge. I DON'T CARE. They allowed activity on my closed account!!! This must not be allowed- EVER! That is my complaint.

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 2022-03-03
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:
The letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. Experian responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.

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 2021-04-14
Company: Experian Information Solutions Inc.
State: WA
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:
I started receiving text messages that I owed a company called XXXX a small amount of money. I had never heard of the company before and disregarded the text messages as spam. Then, I recently had credit pulled to buy a car and noticed my score was lower than I expected. I then pulled my own free credit report and discovered the account which I did not recognize. I then formally complained to Experian and two other credit agencies, and Experian 's investigation determined that the account that had been opened was verified as accurate! Which is not correct! Again, I have no idea who XXXX is and have no supporting documents to provide since I've never done business with them. My credit report with Experian is incorrect and Experian 's investigation has not corrected it.

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 2023-11-24
Company: EQUIFAX, INC.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: GA
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
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. 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: MT
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Below, is the account they should CORRECT on my file : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Account : XXXX XXXXXXXX XXXX XXXX  act # XXXX Account : XXXX XXXX XXXX acct # XXXX I was never late on the paid off accounts and accounts listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account If u can not supply this please delete this alleged late payments from my credit report

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 2022-06-14
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year, my wife and I fell behind on our mortgage starting in XXXX. I was not working at the time, I was attending for that semester. I finally started back working full-time in XX/XX/XXXX last year. In XXXX, I attempted to make a payment with cardinal financial and was denied because the company had a claim against me for foreclosure. Mind you, I did make some payments between XXXX and XXXX. But interest kept piling up. I. Any effort to keep from foreclosing, my wife and I used money from our XXXX along with money her mother gave us to pay down the balance, which was XXXX dollars. We payed them XXXX of it and was told we'd receive a loan reinstatement package in the mail after our forbearance was up which was from XXXX this year to XXXX of this year. The company has not updated our payments nor sent this package for us to sign. And sometimes no one answers the phone when we call. Now that the forbearance is up, we can't make any payments because cardinal financial is still reviewing our loan status while waiting for a signed reinstatement package that they have not sent to my address as of yet. Mean while, our delinquent payments are still accumulating.

Company response to consumer: Closed with explanation