BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: MD
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 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 Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX  Account number XXXX Account name : XXXX XXXX  XXXX Account XXXX XXXX Account name XXXX XXXXXXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX  Account number 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 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 2022-04-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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 2018-11-13
Company: Westlake Services, LLC
State: NC
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:
After reviewing my credit report, XXXX XXXX XXXX pulled my credit report without me authorizing them to do so. I never signed anything giving them permission to run my credit. Can Westlake please provide me with proof and signature that i authorized them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Marlette Funding, LLC
State: IL
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:
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/XXXX - BEST EGG, XX/XX/ 2021 XX/XX/XXXXXXXX, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had filed for a loan with affirm to buy a cell phone from XXXX XXXX. XXXX XXXX phone was damaged therefore I started a return for a refund. I believe it is unfair that I have to pay for something that was damaged and XXXX XXXX is not abiding by their own company policy. Therefore I am also filing a complaint with the government regarding this complaint I sent documents that prove to purchase this phone from XXXX XXXX returns within 14 days. I put in the system for a return and explain the damaged phone and XXXX XXXX sent a label and stated that the phone must be returned by XX/XX/XXXX and it was returned by XX/XX/XXXX. Then I received a message that the refund will be within 10 days however XXXX XXXX neglected to send the refund. They sent me the phone on XX/XX/XXXX XXXX then I called XXXX XXXX customer service on the same day- she told me a refund will be in 24 hours. then I called XXXX XXXX on XX/XX/XXXX reference number XXXX and she told me that I should receive a call from the escalation department regarding a refund, I gave affirm all this information and affirm is not advocating for me regarding this purchase and expected me to pay for something that is damaged. I believe I should not have to pay for something that was damaged and if I pay for something that means I am going to continue to pay for a damaged phone that is unfair. I will not pay a payment until XXXX XXXX gives me my refund. 
I believe affirm should assist me with a dispute against XXXX XXXX for selling me a damaged phone and violating their own policies. Affirm expect me to pay for something that is damaged by XXXX XXXX however they had sold me a damaged product. I filed a dispute with Affirm and provided all documents that XXXX XXXX is violating its own company policy. Affirm closed my case and told me I still have to pay regardless of XXXX XXXX defaulted on their company policy regarding refund procedure. I am requesting an investigation because Affirm should advocate for me that I should receive my refund as I filed a dispute about it with Affirm. I filed a dispute and Affirm did nothing to assist me. Affirm is asking for payment and not pursuing the dispute with me as returning customer who paid off loans before with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX of 2021, I wanted to talk to XXXX  customer care for an app named XXXX and how I wanted to change it from an XXXX version to an XXXX version. But the XXXX had a fraud website as attached I called the customer care number on the fake XXXX website which popped up first in XXXX search that day and I was not so cognitively aware to differentiate between fake and real XXXX website and then they made me download some weird XXXX app which I was not able to deny because they were very tricky to hypnotize the brain attached is the fake website And they broke into my phone and kept doing taking out the money from my XXXX and chase savings account through XXXX XXXX XXXX and just told me to be on the phone while they were fixing the XXXX XXXX for me attached is the screenshot of the phone call which I was on for almost an hour After that, all I knew that I was fraudulently victim of losing my money from XXXX and Chase bank app XXXX were kind enough to resolve my issue timely and refunded the money as they investigated and found out that it was a fraudulent act but Chase bank gave me hard time A little back story about my health I am a XXXX survivor and STILL have a XXXX and XXXX XXXXt will attach my XXXX  injury card as well I am not having any job and no XXXX all I have is my savings but the scammers took $ XXXX from my chase bank and the bank is not giving me a proper response since last months. Please help me in this matter you are my last hope

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX received official documentation of my police report and affidavit proof of identity theft but they continue to report XXXX XXXX account ending in # XXXX and XXXX  account ending in # XXXX i will attach a notarized affidavit and i will attach proof of police report. Also checking my credit on XX/XX/XXXX i have also found that XXXX account ending in # XXXX is reporting additional inaccurate information on my credit report which will be attached. XXXX XXXX reports last payment on XXXX account on XX/XX/XXXX equifax reports last payment XX/XX/XXXX. Error number two same account two different close dates XXXX XXXX readsXX/XX/XXXX equifax reads XX/XX/XXXX. Error number three days late XXXX XXXX reports 120-149 days late equifax says 180 days past due. Also the XXXX  account ending in # XXXX is a closed account reporting monthly payments of {$230.00}. These errors on my credit report has been harming me financially and emotionally i cant continue my line of business with inaccurate information on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Federal Trade Commission We live in the state of Florida which was hit by Hurricane Irma last XX/XX/XXXX. XXXX XXXX owns our mortgage, and XXXX XXXX XXXX, XXXX is debt collector in charge of processing payments. Due to the impact of the Hurricane Irma, XXXX XXXX   gave us a 6 months mortgage relief option to with a due date as of XX/XX/XXXX. This mortgage forbearance agreement provided customers with the option of making partial payments, and we the debtors were able to make partial payments from XX/XX/XXXX to XX/XX/XXXX. We made {$480.00} partial payments every month, which equals to {$2800.00}. Our mortgage payments are up to date but Ditech have the wrong amount on their website. 

Breakdown of Payments made to Ditech Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Payments made in XX/XX/XXXX Electronic Payment XX/XX/XXXX {$3000.00} Electronic Payment XX/XX/XXXX {$1200.00} Electronic Payment XX/XX/XXXX {$1500.00} Total amount paid to Ditech by XX/XX/XXXX {$8600.00} Please see below all payments made to Ditech Financial LCC Still today Ditech Financial has been unable to bring our mortgage account up to date. We have used all forms of communication with Ditech, phone calls, and electronic media, and Ditech has not corrected their accounting errors in their computer system, we have requested in writing that our account be reviewed and our payments correctly be applied to the amount due. If you have any questions, feel free to contact us at XXXX or XXXX. 

Thanks, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, 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:
In trying to access my Equifax credit score, the webpage comes up with an error and to contact Equifax Customer service with the code " XXXX ''. I have contacted them multiple times over the past 2 years and state they will get it fixed within 10 days. 10 days comes and goes and nothing gets done. I have been denied credit because the report that was pulled comes from Equifax and there is no data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have identified inaccurate information on my TransUnion report that is a result of identity theft. These items are not related to any transactions completed by me : XXXXXXXX XXXX XXXX # XXXX {$20000.00} ; XXXX XXXX  # XXXX {$10000.00} ; XXXX XXXXXXXX XXXX # XXXX {$7400.00} ; and US DEPT OF ED/XXXX  # XXXX {$160000.00} I am requesting these items be permanently blocked and deleted. My request to block and delete these items are not made in error ; nor being made on the basis of a material misrepresentation of fact. TransUnion is required by law ( 15 U.S.C. 1681c-2 Block of information resulting from identity theft ) shall block the reporting of any information in the report and file of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later than 4 business days after receipt of such agency of -- 1-appropriate proof of the identity of consumer ; 2- a copy of the identity theft report ; 3- the identification of such information by the consumer ; and 4- a statement by the consumer that the information is not relating to any transaction by the consumer.

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 2022-04-04
Company: Experian Information Solutions 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:
I am a victim of identity theft and fraud, fraudlent inquiries are on my account I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2021-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: FL
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused XXXX XXXX XXXX XXXX XXXX. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Account information incorrect

Complaint:
I sent a let out on XX/XX/XXXX to XXXX, and Equifax. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB XXXX XXXX  However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX : XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX I created a dispute through XXXX  and Transunion in regards to validating a Bankruptcy showing as a public record. They claimed that it was valid. 
Being that we had not had a Bankruptcy in the XXXX XXXX Court System, we sent the courts a letter requesting to validate the account using the address provided on my XXXX  report. The letter came back as a " return to sender '' -invalid address in XX/XX/XXXX. 

We would like this public record removed from my XXXX and Transunion report due to the error and lack of validity and errors when XXXXand Transunion investigated 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 explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was offered a streamline refinance with Freedom Mortgage, which was supposed to be a quick process by what I was told. I agreed to proceed and have my rate reduced as well as my payment and believed I was in good hands. I was told this process was to take about a month to process. This was started back in XXXX and it is now XXXX and I have not heard from my main contact named XXXX XXXX. The last contact I received was to supply a survey for the tile company and after this was completed I have received no emails or call backs to answer my questions about this process. I have sent multiple emails to XXXX XXXX, XXXX XXXX, XXXX XXXX, and Customer Care with the only response of " we will direct this to the proper department ''. Note : this response was from a customer care representative, not from any of the individuals named above, they have remained silent and have yet to reach out to me over the many emails I have sent. The main reason to proceed with the streamline refinance was to help ease financial stress due to the current global situation. Now 5 months later I have yet to reap from the benefits of this program which I believed was being handle by a competent team of individuals. I would greatly appreciate if I can receive the lower rate in which I was promised and locked in over a recorded line as well as signed documents. I would also like to have up to date communication on this process and have it actually " Streamlined ''.

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 2022-04-01
Company: Experian Information Solutions Inc.
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:
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 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