BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX To Whom It May Concern : I am sending this over because there are fraudulent accounts on my credit report. These accounts are NOT mine ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of both my social and my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of permissible purposes of consumer reports, 15 USC 1681b- ( a ) ( 2 ). NO CONSENT IS IDENTITY THEFT. Please also send me an updated credit report reflecting these changes. Thank you. 

Fraudulent Accounts XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX Fraudulent Inquiries XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Please review the attached copy of 605B of the FCRA for your recollection. Thank you Along with this letter I have sent the following : 1. FTC Claim 2. A copy of section 605B of the FCRA, that requires you to block this fraudulent information within 4 business days.

3. A picture of My license which should be enough to identify me being that you have my alleged personal information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has inquiry 's on my credit report that is not recognized. 
I Attempted to dispute them through Experian, but no results I've downloaded a letter of the inquiry 's i want to dispute which is XXXX. XXXX inquiry date : XX/XX/XXXX XXXX. XXXX XXXX inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  inquiry date : XX/XX/XXXX XXXX. XXXX XXXX inquiry date : XX/XX/XXXX XXXX. XXXX XXXX inquiry date : 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 2021-12-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, I uploaded to Select Portfolio Servicing, Inc.s website a hardship letter that disclosed I have a XXXX XX/XX/XXXX, I uploaded to Select Portfolio Servicing, Inc.s website a hardship letter that disclosed I have a XXXX. 
XX/XX/XXXX and XX/XX/XXXX, I submitted a reasonable accommodation and modification request. 
XX/XX/XXXX and XX/XX/XXXX, I emailed the Consumer Ombudsman Department at Select Portfolio Servicing , Inc. and made a reasonable accommodation and modification request and disclosed my XXXX and attached medical documentation and stated that I was applying for SSDI and that I felt they were discriminating against me because of my XXXX. 
XX/XX/XXXX I emailed that I am a person with a XXXX to the following : XX/XX/XXXX, XXXX response to the mortgage assistance required documentation, I uploaded medical documentation to Select Portfolio Servicing, Inc.s website. 


This was the denial : SPS has reviewed your request for workout assistance on the above referenced account. We are unable to approve your request for assistance involving a Short Payoff. 
We determined that we are unable to assist you in this proposed arrangement because the offer received was not sufficient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. 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 XXXX XXXX SXXXX XXXX XXXX XXXX THESE INQUIRIES ARE REPORTING ON MY CREDIT PROFILE FROM ATTEMPTED FRAUD TXXXX GET CARS, AND GOODS IN MY NAME

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 2023-01-05
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:
XXXX I found out my info was fraudulantly used to obtain credit. I requested credit reports and to my disbelief, there were many erroneous and inaccurate info on my report. 
I filed a FTC ID theft affidavit along with proof of addresses that were not mine, names, XXXX and names.

15 U.S.C 1681 ( a ) ( B ) ( ( G ) ( H ) ( I ) Everything must me fair and accurate.

Transunion has violated my rights by Fraudulantly saying that they verified with creditor, creditor have deleted the erroneous accounts on XXXX and XXXX but Transunion refused to reinvestigate and instead updated the account but, with a new Account XXXX the very same account they deleted. I have not been able to receive any free credit reports from them, due to system unavailable for last 2 months, I have attached the FTC ID teft Affidavit to show the 2 original fraudualnt accounts that were deleted, and prove that XXXX XXXX  and Transunion Fraudualntly added the account again with a new number. 

XXXX XXXX XXXX XXXX XXXX is the same XXXX XXXX Account # XXXX that was fraudulantly opened and deleted along with another acount that was also deleted. 
XXXX XXXX XXXX XXXX XXXX is not mine, it's illegal to and a violation of my rights. 
Delete this account or I will sue for fraud, inaccurate and erroneous info my 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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX To Whom It May Concern : I am sending this over because there are fraudulent accounts on my credit report. These accounts are NOT mine ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of both my social and my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of permissible purposes of consumer reports, 15 USC 1681b- ( a ) ( 2 ). NO CONSENT IS IDENTITY THEFT. Please also send me an updated credit report reflecting these changes. Thank you. 

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX/XXXX  Inquiry : XXXX XXXX, XXXX XXXX/XXXX  XXXX  XXXX  Inquiry : XXXX XXXX, XXXX Please review the attached copy of 605B of the FCRA for your recollection. Thank you Along with this letter I have sent the following : 1. FTC Claim 2. A copy of section 605B of the FCRA, that requires you to block this fraudulent information within 4 business days.

3. A picture of My license which should be enough to identify me being that you have my alleged personal information without my consent

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am filing this complaint because Credit Bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

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 2022-12-24
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent a letter to all 4credit bureaus and XXXX, stating this debt has been paid in full since 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I received a collection notice from Credit Control LLC about an alleged debt I owe to XXXX XXXX XXXX and I responded back on XX/XX/XXXX with a debt validation letter, on XX/XX/XXXX I received a letter from XXXX XXXX saying I requested a verification on a debt and sent me a credit one bill with an address in another county, I would like to know how is it possible for two of these collection companies can be writing me about the same debt and when I write one another one responds, I will attach all documentation from these collections companies to make sure they are doing the correct thing.

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 2021-08-09
Company: Aqua Finance, Inc.
State: IN
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:
# 1 : In XX/XX/XXXX Aqua Finance reported to the credit bureaus my account was in collections. This continued until XX/XX/XXXX. 
This information was FALSE and damaged my credit score.

To this day, I still have never been notified our account was ever sent to collections.

# 2 : Aqua Finance charged off my account in XX/XX/XXXX for {$7900.00}, yet still continues to report to the credit bureaus monthly increases and late payments to my account. The account balance is now {$11000.00}. 
They are still trying to damage my credit score fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER REMOVING THE LATE PAYMENTS FOR I HAVE BEEN A CLIENT THAT STRIVES TO MAINTAIN AN EXCELLENT STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted each on XXXX these creditors as followed Capital One Auto, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I have attached my letters and the FTC report that was forwarded to the creditor/ Debt collection company. Please block and remove the accounts as they are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I used to have a loan with Bank of America and in my credit report still showing I own them money!!! And I have right now the same loan but with a different company

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 2022-11-04
Company: Self Financial Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
XX/XX/2022 Self financial XXXX XXXX XXXX Dear Credit Reporting Department or Self Financial ) : Re : ( account number ending XXXX ) On XX/XX/XXXX, I paid my account balance off. That information was supposed to be supplied to bureaus on first week of XXXX. Last rep informed me it was sent on XXXX. 

Unfortunately, your ( product or service ) has not performed well ( or the service was inadequate ) because the bureaus have stated XXXX has not sent reports on time its been the XXXX of the following month ) .XXXX  stated it automatically updates and they can see that none of the reports have ever been on time. I am disappointed because Ive expressed my frustration over this since XXXX. This product doesnt help the consumer. My balance has been XXXX since XX/XX/XXXX and yet it still hasnt been updated with bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022, I purchased a vehicle from XXXX XXXX in XXXX, Tennessee on XXXX XXXX. My first payment was to be due on XX/XX/2022. 

I submitted my first payment XX/XX/XXXX, a week early as I have been trying to improve my credit score. I received a notification saying the transaction was successful on the same day. I then get a message on XX/XX/XXXX, 2 days after the due date, that my payment did not go through and that my {$690.00} was returned to my account. I make another payment on XX/XX/XXXX, for the payment that was due on XXXX, and get another email that says my payment was successful. I get another message on XXXX, saying that my payment of {$690.00} was again returned to my account. 

I call XXXX personally and tell them about the issue and they direct me to my bank saying it is on their side. My bank, XXXX, said that is false and if it was on my them, then ALL transactions would not be going through. This was an error on XXXX I choose to pay my note again as I am worried this may affect my credit score, I make another payment on XXXX and get the same message of my payment being returned on XXXX. My XXXX XXXX then drops XXXX points as I technically was late on my first payment by 30 days, which is not the case. Eventually, this stops happening and I never understood why it was happening in the first place, all I got from XXXX was that, " This should be good now. '' Please see attachments, I should not lose XXXX points for XXXX 's negligence.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus . Transunion, XXXX, XXXX, XXXX XXXX and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. 
Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192.

Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation.

15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.

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 2020-07-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is impossible to speak with someone over the phone from Experian. This company has been OBSTRUCTIVE to me refinancing my home. I WANT TO SPEAK WITH SOMEONE OVER THE PHONE TO FIND OUT IF THE FREEZE HAS BEEN PERMANENTLY LIFTED AS I REQUESTED. IS THIS TOO MUCH TO ASK?

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 2021-08-09
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received a request to send money through XXXX. Payment was unauthorized and have tried to have it reversed to no avail. XXXX will no do anything and PNC will not do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent Wakefield and Associates a letter asking them to simply verify the debt I supposedly owe them. I asked for original documents including my signature and how they calculated the debt. 
On XX/XX/XXXX, I received a letter from Wakefield and Associates and the information they sent over was unresponsive to my original demands. Not only that, they violated HIPAA by sending over my medical record number, procedures, and a lot of other personal information I NEVER requested. I never signed a HIPAA form requesting them to access and send over my medical history. They have violated my rights and I will be taking this a step further by filing a HIPAA complaint as well. Not only do I feel violated, I am disgusted at the fact that they should know better!

Company response to consumer: Closed with explanation