BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2023-02-16
Company: EQUIFAX, INC.
State: MI
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 acquired my credit report and asked the credit bureaus to check and make sure everything was Complete and accurate according to 15 USC 1681i ( 5 ) Ill wait 30 days and receive my info investigation and noticed everything was still the same. The consumer reporting agencies which is Equifax XXXX and XXXX XXXX did not modify or remove anything. The open day is not correct they last accurate is not correct on three credit report dates of the last payment is not correct on all three credit reports. Which is a violation this is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how XXXX XXXX XXXX Equifax violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802.

Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government.

17cfr 424 all inquiries must be removed.

Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello Today is XX/XX/23 and this IS NOT A DUPLICATE. This is a complaint regarding XXXX XXXX and their reporting on my TransUnion credit report as there is yet another inaccurate reporting that has cause me hardship. I submitted a complaint before to no avail and now I am asking the CFPB to step and and hold XXXX XXXX accountable for their failure to accurately report information on a consumers report per 15 USC 1681a XXXX This is the second time my score has decreased by more than XXXX points. This is not only causing me stress but the inaccuracies are affecting my dealings in commerce. Lastly its my understanding that XXXX XXXX XXXX has an arbitration agreement and that agreement was not followed during the closing of the accounts. Lastly I XXXX XXXX am technically an investor with XXXX XXXX  as I am that my application, transactions, and other deposits of this account was being utilized with benefit to me the beneficiary 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 2023-12-07
Company: First Financial Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First Financial Resources , Inc contacted me stating that I owe a balance of {$2200.00} that I never applied for or received.

This account was fraudulent opened using my personal information with no agreement signed. I reached out to the company for the original contract from XXXX XXXX XXXX XXXX signed and the purchase agreement According to Identity Theft and Assumption Deterrence Act ( ITADA ) - identity theft and provides remedies to victims. It allows victims to dispute fraudulent accounts opened using their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have reached out to Wells Fargo to get a better understanding of how this loan was structured, to better understand why the loan amount wasn't reducing after XXXX  years of payments. I have paid XXXX of a XXXX loan and they still have me owing XXXX, this have the appearance of of a predictor lending practice. I have inquired about the loan with their representivies and receiving no positive results. I have ask them to sent me a copy of the contract, because my copy was lost in our storage container. I don't remember the total amount of the Car minus my trade in, however the interest rate was supposed to be fixed at XXXX XXXX. I don't understand how they are making their calculations on this loan agreement, and this is why i need your assistance.

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 2021-10-26
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/2020 I applied for a refinance at home point financial corporation, despite having positive income From self employment the loan officer ( XXXX XXXX ) refused to count my income on valid file tax returns. He and his team claimed I did not show liquid assets even though my bank statements totaled XXXX, they chose not to conform to guidelines and rejected my documents. I lost 3 months finding a new lender with higher closing costs and a higher interest rate while I located another lender. Their lending practice was subjective and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: MI
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 submitting this CFPB Complaint to to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00}. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on 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 2022-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have an account with Experian to check my credit score this is the site : https : //usa.experian.com/login/index I check my credit score pay the monthly fee and call over the phone to cancel my account. I was not able to cancel the account in their website there were not option to do it. They said yes my account was cancel. I paid all my debts in full and i notice that my credit score was not improve it i went and check my credit report in a free gov website. and i find out that what it was affecting my credit the most was a charge of almost {$300.00} by Experian they had never cancel my subscription adn keep charging me for almost 2 years.

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 2023-11-10
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXX XXXX XXXX XXXX US DEPT . OF EDUCATIO 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 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional fixed mortgage with Bank of America. My loan was in forbearance due to COVID. I elected the option that was offered to me by Bank of America in XXXX of XXXX per federal banking guidelines. I have been making regular monthly payments to them since XXXX of XXXX with the mobile banking app that I have been using to make these payments over the last several years. ( pre-COVID crisis ) This is based on their requests and recommendations in XXXX of XXXX. I was told those payments would trigger the option to extend the past due amounts to the end of my original loan and the issue of past due payments would be resolved. Those mortgage payments I made are recorded through outgoing banking transfers shown on my personal banking statement. The Bank of America has informed me that I am in default as of XXXX of XXXX due to non-payment. I have called them to resolve this. They say I have to produce banking statements that show payment to that account although, they have accepted those payments from my personal bank account. Where did these credit/funds go since my personal bank account has since been debited to Bank of America for {$990.00} on XX/XX/XXXX and XX/XX/XXXX? I am concerned this will affect my credit rating in the future as a past due debt. I have talked to their loan officer who asked me several questions and also wanted to know why I did not make any payments in XXXX. I explained the situation and his response was, " Well, I have no record of these payments. You must show proof. '' I explained the situation to him and he allowed our communication to devolve into an argument. My perception is that when dealing with Bank of American home mortgage with any situation outside of the 'box ' they do not listen to their customers and are very quick to claim default on loans that have been given forbearance. they also do not recognize bonafide banking transfers as payments and insist on unnecessary documentation to prove I made payments to them. This is a delaying/stalling tactic to float money from private citizen payers who do not have the support of easy money through the federal banking system. The bank statement also states I will owe late fees if they do not receive timely payment.

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 monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
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:
Per 15 USC 1681G ( A ) 1, 15 USC 1681A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : MY RIGHTS HAVE BEEN VIOLATED AND IGNORED! 


I want this auto loan deleted from my credit report immediately. I have asked for about 1 year now for it to be removed. This is does not belong to me. It is fraud. XXXX XXXX has yet to provide verification of this alleged debt. I have requested every document they have with my name and social security number attached to be sent to me and they refuse. They have violated my privacy by sharing my personal information with other agencies without my consent, they have damaged my employment and other opportunities to extend credit, committed identity theft against me and did not provide information on how to opt out of third party sharing of my private information. This is a violation of my consumer rights. 

Delete and never repost this account on my consumer reports ever : XXXX XXXX Do not claim this is not me. I have sent my id attached as well. That is a stall tactic that you use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: MA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 this creditor has violated my Rights. 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-06-07
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: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries, hard inquiries that I have asked Equifax to remove several times already, via certified letter. They have ignored everything that I have asked and provide no explanation. 

The following several hard inquiries have been performed on my credit which has dropped my credit score. 

They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have NOT authorized any of these companies to utilize my credit reports to provide me any credit. I never implied a request, or verbalized a request or given them a handwritten request. 

They have illegally put hard inquiries on my report. 

Please remove these inquiries from my report as this is contributing to the drop in my credit score which has been going on for months!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
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 accounts 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 accounts : XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
609 ( A ) ( 1 ) Dispute Letter : I wish to dispute the following information found on my XXXX/Equifax/XXXX  credit reports . 

( Dispute 1 ) Account Information : XXXX  XXXX & XXXX XXXX XXXX Description of Dispute : These accounts are not mine and I did not seek to apply for new credit cards. I do not recognize the accounts that appear on my credit report.

( Dispute 2 ) Account Information : XXXX  Description of Dispute : Late payments have appeared on my credit report regarding my student loan balances for over 6 years without any acknowledgment of addressing the error. I've attempted to contact the loan service provider on numerous occasions and was told that the error would be corrected as it was a system glitch. Nothing has been done to move forward with a resolution, so I've attached a copy of my most recent credit report to dispute the discrepancy. 

I'm asking you to investigate these errors and remove any information that can not be verified. Please notify me in writing of your findings and any action you have taken within 30 days of your receipt of this letter. 

I am enclosing a copy of my credit report. Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief