BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
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:
This is XXXX XXXX once again and I am submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. I recently received an updated copy of my credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of and yet being reported on my Credit File. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX BANK XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX  Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX Balance : {$0.00} 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. If the Credit Bureaus believe that the disputed accounts and information belong to me, I require the Credit Bureaus to send me any copy of proof of verification they may find during their investigation to prove that the disputed accounts belong to me. I strongly believe that the disputed accounts were results of the theft of my identity and must not be included on my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: NV
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 explanation
Consumer complaint received 2020-03-25
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought our home XX/XX/XXXX. The escrow account was set up to cover all taxes and insurance. In XX/XX/XXXX, the company reassessed our escrow and changed the terms. It lowered our obligation by several XXXX dollars and refunded {$1800.00}. While they were doing this and sending us mail about the change, the company transferred our loan to someone else. 

We thought the change in escrow was from the new company. We had argued that it shouldn't be changed and was told, our records show you don't need to pay this much. 
This XXXX we received a notice that we owe {$5000.00} to our escrow because we are short. They want to a ) have us pay it in full or b ) pay {$400.00} more a month on top of increasing our mortgage payment to the original amount. We can't afford either solution. 
We called the company and spoke with XXXX  ext. :XXXX. We requested an audit on the escrow. We are supposed to get an email by the end of the month. They asked where we want to go with this and we told them " We need to be compensated for their error in the audit and change of our original terms in our Escrow disclosure. This is and will put a tremendous strain on our finances. '' We've tried to reach out again. The company hasn't returned our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank refused to process my payment in a timely fashioned claiming insufficient funds available only after the payment due date. Upon contacting my bank, no such request for EFT to Synchrony was ever made causing my payment to be late and incur late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-04-09
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent a letter from Credit Management , LP dated XX/XX/XXXX. This was a letter stating I owe XXXX XXXX ( XXXX ) {XXXX} from XXXX. This is a 5 year old debt they trying to collect on. My state limitation is 3 years. I responded to this letter on XX/XX/XXXX with a validation letter that I mailed to them via Certified U.S. Postal Service. They received this letter from me on XX/XX/XXXX. There was no response from them to valid this debt. I followed up with another validation letter mailed via Certified U.S. Postal Service on XX/XX/XXXX. They received this on XX/XX/XXXX. I received notification from a credit monitoring app that I had a new collection on my report. They placed this debt on my credit without them validating this debt or sending me anything to prove this was my debt. The FCRA gives companies 30 days to respond and as of today I have no received anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: FIRST ADVANTAGE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
First Advantage company had performed a background check on behalf on my employer " XXXX ''. They reported that I had worked for an employer by the name " XXXX XXXX XXXX ''. From the period of XX/XX/XXXX till XX/XX/XXXX. I am writing to inform that I have never worked for such employer and I am sure that this is a ID theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am XXXX XXXX, and I hereby submit a CFPB Complaint in response to your recent investigation. Your findings are unacceptable and demand absolute accuracy. It is evident that not enough was done to effectively reach out to the creditors reporting inaccurate information on my report. I demand immediate and comprehensive information on these items in question. Your failure to address this matter with utmost urgency will not be tolerated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - It has come to my attention that this charge off account with a XXXX balance is still being reported on my credit file. As this account have already been paid in full, I demand that you investigate and remove the charge off status to prevent further harm to my credit score. 

XXXX XXXX XXXX XXXX  Balance : {$0.00} - I need to dispute charge off this account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XX/XX/2015 CHAPTER XXXX DISCHARGED 0 $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS TRANSUNION/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 explanation
Consumer complaint received 2020-03-24
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account and have requested debt validation I have no contract with this company and I have been paying XXXX dollars a month for 5 years for something I have no knowledge of please help I believe it is fraudulent

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 2023-12-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-10
Company: Bread Financial 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: Personal information incorrect

Complaint:
An old address on my credit report is being reported. Please delete the adress XXXX XXXX XXXX XXXX XXXX, FL XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS and XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX  XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX  account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: 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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
MY DIRECT DEPOSIT ALWAYS DEPOSITS ON A TUESDAY NO LATER THAN XXXX! IT'S NOW XXXX AND I DON'T HAVE MY PAYCHECK. CHIME IS BEING UNRESPONSIVE AND LYING TO CUSTOMERS ABOUT THEM NOT BEING DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX we received notice that SunTrust ( Now Truist ) did not received our monthly payment. We had changed where the payment was being sent to as our bankruptcy had completed and now we were to send the payments to a different processing center. Our XX/XX/XXXX payment was processed as a total principle payment and not applied to the monthly payment. This has occurred each month since, and we have had to call them each month to move the money to be processed correctly since. They have the payments ahead of the due date. We have asked for this to be correctly processed and not make this a habit that we have to call them to do their job correctly each month. This is now a FIVE month continuation of the same problem. There has been no fix to the process other than after we call them. We have checked to see if the payment is being sent to the correct place and it has been verified each month as being sent to the correct location. We will be calling them again today to fix the XX/XX/XXXX payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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: Old information reappears or never goes away

Complaint:
DEPT OF ED/XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, XXXX AND EQUIFAX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( Accounts ) : XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.

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 explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are multiple inaccuracies in all of these reports from XXXX, XXXX, and transunion such as dates for payments such as XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, balances. XXXX XXXX dates account opened on, and inaccurate reporting dates XXXX, XXXX, XXXX, the date opened in different transunion. XXXX XXXX reported inaccurate open date in transunion, XXXX XXXX is inaccurate dates for late payments in XXXX, transunion, and XXXX. XXXX XXXX XXXX ( different account ) XX/XX/XXXX has inaccurate dates for when account was opened. XXXX XXXX has inaccurate late payments dates and open dates.

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 2021-09-22
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank / Credit Card Inquiry DISCOVER FINANCIAL SERVICES got a copy of your XXXX  Credit Report. 
DISCOVER FINANCIAL SERVICES made a Bank / Credit Card Inquiry by checking your XXXX  Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX Company : DISCOVER FINANCIAL SERVICES Address : XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX  ) XXXX-XXXX  Alert received today and states it will be on my report till 2023, But I did not make an application for credit to them. My financial information was compromised in the past and this is but another attempt. 
NOT MINE - Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Chime Financial Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a chime account in XXXX MIND YOU Ive never used the account.. I downloaded the app received the card AND EVERYTHING!! so when I went back one day to check the account it was LOCKED never even made a transaction so I called in to see why they said I needed to further verify my identity .. so I sunt in the documents XX/XX/XXXX!!! Its goin on XXXX and my account is still locked!! Im heated because why lock an account hat hasnt even been touched!! Then false advertising like yall reach back in XX/XX/48 hours BUT THEY DONT ITS BEEN 2 months on going and the account is STILL XXXX LOCKED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation