BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

FRAUDULENT Employment : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan XXXX Borrower : XXXX XXXX To whom it may concern, I am writing this letter as my last attempt in hopes of coming to a solution with my servicer and having them postpone the current sale sate scheduled for XX/XX/2018. My mortgage loan is an FHA type of loan and my investor is XXXX XXXX. I was informed that I can send a complete mortgage assistance package to my lender 7 days prior to the sale date in order to receive a postponement and proceed with my modification review. And so I sent over a complete package to my servicer on XX/XX/2018. I called my servicer and I spoke to XXXX the supervisor in loss mitigation on XX/XX/2018. She advised me that my investor was XXXX Not XXXX XXXX and that I had run out of time to proceed with my modification review. I let her know I was advised differently and that I even looked up my investor on XXXX and the system reflected my investor being XXXX XXXX. It seemed as if she didn't even care nor did she have the information for FHA 's guidelines. All she did was kept repeating herself that my investor was XXXX and they could not do anything for me anymore. From what I have been advised and what shows on the FHA website, is that a borrower can submit a complete mortgage assistance package 7 days prior to a sale date and still have the opportunity of proceeding with a modification review. It seems Mr. Cooper is trying to do otherwise and will not give me a chance to save my home even though by law I should be entitled to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
this is another credit card that i did NOT open i have tried to call the bank but there are not picking up pls cancel this and make this sure that i do not have to pay anything as i did not authorize this at all pls help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-13
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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:
accordance with the fair credit reporting act XXXX account # XXXX /account # XXXX, has violated my rights. 


15 u.s.c 1681 section 602 A .states i have right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a 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 2023-06-12
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Let me first say to communicate with ANYONE from Nations Star/Mr Cooper is useless. I continue to submit these complaints only to keep a paper trial going when I see discrepancies that could only come to harm us in the near future. For example, Nations Star/Mr. Cooper by its own response incorrectly ; intentional or unintentional gave conflicting information. The latest communication date XX/XX/2018 reference # XXXX cited I made a payment of {$1300.00}, THIS IS INCORRECT. As stated in our modification our payments are {$1200.00}. This payment should have been for XX/XX/XXXX. I was told it was not doing a follow up call, that the payment was for XX/XX/2018. As I stated, those funds were removed and the payment should have been reverse for {$1200.00} NOT {$1300.00}. Secondly, we were ask to provide information of the caller who called and attempted to force us to accept the modification and noted we did not accept, your records and notes on our account already has this information as a CSR explain she listened to the call and did not hear we did not accept, but did not agree with the terms and the modification was " rebooked '', what happen in this incident where we must provided information? Nations star already has this. This is unacceptable behavior. This company seems to have gotten prior housekeepers, dishwashers, food service and other blue collar workers and turn them into professional customer service reps, this will not work! These are examples of how much this institution lacks any business prowess and its customer service is a joke. 1 ) Modification terms were not explained to us 2 ) we already made trial payments and were told we had to make two more payment to for the modification to be booked 3 ) a mere CSR took upon himself to cancel the modification 4 ) two payments were sent but no one could find them 5 ) we were told CSR are aware of accounts irrespective of their locations, etc. WE request to get this account straight to reflect this missing {$110.00} to CSR told us was missing, this was not acknowledged in the above reference #.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-02-14
Company: EQUIFAX, INC.
State: NY
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:
THE ACCOUNTS THAT ARE BEING DISPUTED WERE NOT AUTHORIZED BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS LISTED. IT HAS BEEN BROUGHT TO MY KNOWLEDGE THAT THOSE ACCOUNTS HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FOR QUITE SOME TIMES AND I HAD NO IDEA HOW THIS HAPPEN. PLEASE IF THERES AN INVESTIGATION THAT CAN BE DONE TO HAVE THOSE REMOVE OFF MY CREDIT, PLEASE HAVE IT DONE TO CLEAR MY REPORT OF INACCURATE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We bought tires from a XXXX XXXX in XXXX of 2022 and it was bought on XXXX interest promise. I was charged a finance charge of {$470.00} and then was by the company told that if I wanted that charge removed I needed to pay the balance. I was speaking with them and they disconnected our conversation and I was not able to get anything resolved. I have made my payments on time at least minimum most of the time more. We were never told that after 12 months they would charge us interest for the entire purchase.

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 2021-07-30
Company: EQUIFAX, INC.
State: NM
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX  XXXX XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: IL
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:
There are late payments with XXXX that is reporting on my credit report, XX/XX/2020 and XXXX 2020. 

These payments were made late due to me contracting XXXX-XXXX  and being hospitalized and out of work for almost 2 months. 

I tried to dispute this information on Equifax site but the site has been down for hours. 

I am an XXXX and my position requires me to not have consecutive lates with a single creditor. I am also applying for a mortgage refinance and these lates will affect the rates I am given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: GOLDMAN SACHS BANK USA
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Midwest Recovery Systems
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 have no idea who these people are or how this got on my credit report. I'm 100 % sure this is not mine. 

Account Name : MIDWEST RECOVERY SYSTEMS Account Number:XXXX Date Opened:XX/XX/XXXX Collection account. {$310.00} past due. 
Status Updated : XX/XX/XXXX Balance : {$310.00} Your Statement : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/XXXX. 
Historical Information XXXX - Original Creditor Contact Info - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Early Warning Services, LLC
State: GA
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:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. 

Attached is documentation listing all accounts in question. 

Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Early Warning Services, XXXX, and XXXX are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. 

These blocks Early Warning Services places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft. 

Early Warning Services has specifically continued to violate these rights, and I need a resolution immediately. 


As detailed in the FRCA, these entities are now required by law to remove these accounts and provide me an updated copy of my account reflecting the changes Im, again, which I am entitled to per the directions provided by the FRCA, demanding to be implemented. All of the above accounts referenced need to be removed, as I am not liable for these debts that were unlawfully added to my credit report because of a severe case of identity theft Ive informed these companies of ON MULTIPLE OCCASIONS. Non-compliance will force me to forward this poor line of communication and blatant disrespect for my rights as a consumer, to the Attorney Generals office ; which will also include cases with the FTC and XXXX being submitted as well. Cooperation during this matter is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reached out for company 's help several times I've asked for proof of Debt and haven't received anything. 
XX/XX/2022 XX/XX/2022 2022

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 2021-07-30
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am having problem with the auto loan financed by Santander Consumer USA from XX/XX/XXXX ( loan number XXXX ) .The original loan amount was {$16000.00}. The loan was deceitfully and unfairly originated. I was deceitfully made to buy ancillary products like vehicle service contract worth {$1400.00} and vehicle appearance package worth {$890.00}. The loan was also unlawfully processed because my income residue ratio was inflated and consequently my interest rate was prohibitively high at 21.29 %. This has exposed me to high financial risk as you can see my loan has been on default on multiple times. I have already attempted to resolve this problem by making numerous phone calls, but it has not been considered. 
According to the multistate settlement of XX/XX/XXXX, Santander was supposed to forgive all loans that become delinquent but they have refused to honor that judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: GA
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation