BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: LA
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:
A lot of inquiries that I have not approve. With XXXX, experian and 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 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 looked at my credit and saw accounts that do not belong to me including a bunch of addresses. Please remove them ...

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 2022-01-12
Company: Experian Information Solutions Inc.
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 am a victim of identity theft. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
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:
Equifax has been reporting XXXX XXXX XXXX XXXX on my credit report : I have not authorized this and the company has not confirmed that I owe them. Based on law this should not be on my report. I do not owe this company or authorized anything with them. Please have equifax Remove this within 30 days or issue compensation. Based on 15 USC this should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 Capital One Account XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under XXXX and I need this info for and all. 
This is allegedly a My Place Rewards ( Childrens Place ) account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax have received my identity theft complaint ( XXXX ) on XX/XX/2023 via this portal and have refused to follow the FCRA procedures to block and delete or respond to me the consumer according to the timeline prescribed by the Bureau ( 15 USC 1681c2 ). Instead they are responding to me and telling me that my time sensitive complaint would take ( 60 ) sixty days for a response. This is unacceptable and is in direct violation to my federally protected rights under the FCRA. Equifaxs failure to respond in a timely manner and continues reporting information with actual knowledge of error ( 15 USC 1681s-2 ( A ) ) has caused me great financial distress and they are therefore liable to me pursuant to 15 USC 1681n and o. 

Refer to CFPB Complaint # XXXX for timeline and Responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a credit card in the mail from Synchrony Bank for Guitar Center  XXXX / XXXX /2017 - this was not opened by me. I have attempted to close this account this evening (  XXXX / XXXX /2017 ) and I have been repeatedly told that I have to reveal more information about myself in order to cancel the fraudulently open account. I do not know this bank, and I do not know the store. On my fifth phone call ( after nearly an hour total on the phone ) I was told they would shut down the account and initiate a fraud inquiry. I am concerned that the company will misuse my information and attempt to open additional accounts.

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 2021-06-14
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submit a letter to the collection asking them to validate the information and no response at this time. A letters in writing and mailed out

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 2019-08-14
Company: SYNCHRONY FINANCIAL
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:
inquiries shown on my credit report were filed without my consent i need these items removed

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 2023-07-12
Company: SYNCHRONY FINANCIAL
State: AZ
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 'S XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I didn't make these requests for a sam 's club credit card. I called the synchrony bank and they couldn't tell me who did it and all they did was close the account. They were supposed to send me a correspondence stating this was fraud but I never received any documentation. 

Address XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2017-07-17
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Ditech Financial to set up payments for every 2 weeks so that I could pay my loan off earlier and save come interest. I was told that I could change my loan from a variable rate to 3.5. I then sent in all the information and was told that the title was not in my name. Funny, the tax bills come in my name.
Here 's his email   XXXX   XXXX  , The title company just verified that you are not the owner of this house. The title is in the names of   XXXX   and   XXXX   XXXX  . You can not refinance this property with them on the loan. I can add  XXXX  and  XXXX  do the loan if you like and add your name to the title.
Please let me know how to proceed.   XXXX   XXXX    www.ditech.com/  XXXX   NMLS License #  XXXX  Ditech, a   XXXX    Company Home Loan Specialist Ditech Financial LLC |   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , PA  XXXX  Telephone   XXXX   | Fax  XXXX   XXXX  ditech.com See what our customers say about us : ditech reviews My mortgage is CURRENT.
What 's his scam? They even sent someone out to appraise the house-was that a scam too? Has this harmed my credit or my family in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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. 

Account name : # XXXX 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 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 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 non-monetary relief
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 pulled my credit report and noticed a charge off from Capital One that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX. I sent a notice to the creditor requesting for a 1099-C form on XX/XX/2022 but they failed to reply and I sent a follow up response on XX/XX/XXXX, and they failed to respond again. 

This information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX has understood this, but XXXX still has not deleted this information that needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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:
I RECEIVED AN ALERT FROM MY CREDIT REPORT THAT THERE WAS A NEW COLLECTION ACCOUNT POSTED TO MY CREDIT REPORT. I LOGGED ON AND DISPUTED IMMEDIATELY WITH THE CREDIT REPORTING AGENCY AND NOW I AM FILING A COMPLAINT. THIS ACCOUNT I DID NOT AUTHORIZE NOR DID I KNOW ANYTHING ABOUT IT. I WANT THIS COLLECTION ACCOUNT REMOVED FROM ALL THREE CREDIT BUREAUS AS FRAUD. I HAVE ALSO FILLED OUT AN FTC AFFIDAVIT AND POLICE REPORT AS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 : 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

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 2017-07-17
Company: EQUIFAX, INC.
State: IL
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 was contacted by US Dept of Education/  XXXX   about a student plus loan that I did not sign for. During initial contact  XXXX  2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from  XXXX . When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with  XXXX  I was told that I needed to file a police report, in which I did immediately. I provided the  XXXX  police report to  XXXX  ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the   XXXX   major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by   XXXX   to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/ XXXX ,   XXXX   XXXX  , Equifax and  XXXX  for reporting inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am currently in default on my navient loans. I have currently paid on the for over 5 years now, and have been going through tough times right now. I am not currently done with my degree and have been recently pursuing my degree a  XXXX   XXXX   XXXX   XXXX   XXXX  . With interest rates on my loans between 8-12 percent and monthly payment around 500 a month, it should be a crime to charge someone so much for trying to Perdue a degree with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing LLC ( SLS ) and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, not in its individual capacity but solely as trustee ( the TRUST ) are attempting to foreclose our property without any legal standing, resorting to fraudulent and deceptive practices to commit counterfeiting and racketeering. SLS repeatedly gave us a runaround for our Qualified Written Requests for Verification of Proof of Claim, including TRUE SALE of our mortgage loan and promissory note from XXXX  XXXX XXXX XXXX ( XXXX  ) to the TRUST, power of attorney from XXXX to SLS and the TRUST to SLS. In a response dated XX/XX/XXXX, to our complaint filed with CFPB earlier, SLS again failed miserably to provide any proof or evidence that would validate a legally acceptable TRUE SALE occurred on or before XX/XX/XXXX, showing the TRUST has legal interest on our Mortgage Loan and Promissory Note which we obtained from XXXX in 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 explanation
Consumer complaint received 2023-04-29
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXX XXXX XXXX XXXX  I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. 

According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle.

Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle.

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 2023-09-29
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity theft. I am filing this complaint as I am attempting to dispute an account that was fraudulently opened at BankMobile using my social security number ( SSN ). The account in question, was opened using a different name and date of birth, but is confirmed to be matching my SSN. I have been advised to use the BankMobile reference number XXXX, which should be attached to the fraudulent account being disputed. 

I have provided BankMobile all necessary documentation that supports my claim of identity theft, including a completed fraud affidavit issued by the Federal Trade Commission, a police report with the XXXX XXXX XXXX Police Department, proof of my identity, proof of my social security number, proof of my legitimate residency, and a signed/notarized Limited Power of Attorney for XXXX to speak on my behalf ( who has been assisting me on this matter ). These documents were sent via USPS certified mail on XX/XX/2023 to BankMobile at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The USPS tracking number indicates the documents were received by BankMobile on XX/XX/2023 at XXXX. 

XXXX and I have made numerous attempts to obtain an update on this disputed account, but have so far been unsuccessful, as BankMobile has been unwilling to assist us over the phone. I am requesting an immediate investigation into this identity theft matter, and expect to receive a release letter confirming the closure of this account and/or removal of my SSN. I expect any and all liability to be removed from my name and expect any reporting agencies to be corrected on my behalf. 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