BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of XX/XX/2021, XXXX has been inaccurately reporting things on my consumer report. According to 15 USC 1692A ( XXXX ) I am a federally protected consumer who has been violated. XXXX has my personal information in accurately. 15 U.S. Code 1681 ( a ) ( XXXX ), 15 U.S. Code 1681 ( a ) ( XXXX ), 15 U.S. Code 1681 ( b ), 15 U.S. Code 1692d ( XXXX ), 15 U.S. Code 1692d ( XXXX ), 15 U.S. Code 1692f are all violations of my consumer rights which isn't fair to me as a federally protected 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 explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
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:
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 XXXX u.s.c. 1681 Account Name .... XXXX XXXX XXXX Account number... # XXXX XXXX XXXX .... # XXXX. XXXX XXXX # XXXX .... XXXX XXXX ... # XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX .. # XXXX XXXX XXXXXXXX XXXX .... # XXXX ... XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
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. 1681 c. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Comenity Bank XXXX fraudulently opened a credit card for me without my knowledge or consent. I called Comenity Bank XXXX to cancel the card. However, they asked me for personal information such as social security, address, phone, and date of birth before they would cancel, and I'm concerned about providing additional sensitive information to an unscrupulous and fraudulent company. I hung up and do not know what to do to close this card. 

Comenity Bank XXXX also conducted a " XXXX  inquiry '' on my credit report without my knowledge or consent. I've successfully removed the inquiry from my XXXX and XXXX credit reports. However, XXXX will not remove the hard inquiry from Comenity Bank, despite me filing a fraud report and requesting credit protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX-XXXXXXXXXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XXXX XX/XX/XXXX XXXX {$210.00} XXXX XXXX XXXX  XXXX XXXX {$1900.00} XXXX   XXXX XXXX XXXX {$51.00} XXXX XX/XX/XXXXXXXX {$970.00} XXXX XX/XX/XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$450.00} XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$4800.00}

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 2023-04-28
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 XXXX  account XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$410.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: SUNRISE CREDIT SERVICES, INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a derogatory remark filed by Sunrise credit service INC on my credit report which was false report. When I went on call, they told me that it was requested by XXXX  and when I called XXXX then they told me that I don't owe them anything and they will be reaching out to Sunrise credit service INC for same. I'm filing this complain on why on first hand sunrise credit service INC put that derogatory remark on my credit report when there is no money that I owe to XXXX. Sunrise credit services INC should have verified it with XXXX before doing so whether if there is any amount that is owed to them. It drastically affected my credit history and I want to make sure that sunrise credit services INC is held accountable for that.

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 2022-08-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-04-05
Company: ALLY FINANCIAL INC.
State: VA
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:
On XX/XX/XXXX I contacted Ally Bank and XXXX XXXX to request that they report my on-time payments to them for cars they financed in XXXX and XXXX. Between the two companies, I paid 61 payments on-time - but not a single payment was reflected on any of the three credit bureaus. 

While I filed Chapter XXXX in XXXX, I never stopped making on-time payments on our cars. When I contacted both banks, they informed me that it is company policy not to give me credit for on-time payments before, during, or after filing Chapter XXXX. I was told the only way to initiate credit bureau reporting is to refinance the cars with another bank. 

I believe this to be unfair consumer policy and request it be investigated.

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 2021-12-28
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2020-02-18
Company: Experian Information Solutions 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:
In the XX/XX/2018 I got a mortgage from XXXX XXXX. I used a preapproval from XXXX. XXXX   XXXX performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and XXXX XXXX led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.

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 2023-04-05
Company: EQUIFAX, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

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 2023-10-10
Company: United Credit and Collections Inc.
State: NH
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 signed my daughter up for acting classes through XXXX XXXX and the agreement was we only paid for what she classes she took and it was paid ahead of time. It was said it will never show on my credit. There would be no surprise bills because you pay ahead and payment stops if you stop. After we stopped the classes I had a collections show up on my credit for XXXX dollars and after multiple disputes it now says XXXX I owe in collections but I do not owe anything at all and Its not the terms I agreed to. They refuse to take it off my credit and have ignored my requests and explaining what I agreed to. Theyre rude and unprofessional and Im highly dissatisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Paramount Recovery Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This reporting is in violation of my rights in accordance to HIPPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I took out a private student loan in XXXX in the amount of {$6000.00} dollars when I attended XXXX XXXX. XXXX closed and was deemed a predatory college under the new student loan guidelines. Navient dismissed many of the loans from XXXX but said mine was not eligible because XXXX is now XXXXXXXX XXXX XXXXXXXX. I filed for XXXX  XXXX bankruptcy in XXXX of XXXX. I included this loan in the bankruptcy. According to the courts it was dismissed, but Navient says I still owe on it. I recently saw that Navient was held to a large financial judgement for making people pay on their loans even after it was XXXX in bankruptcy. I have been paying on this loan for 18 years and the balance is only XXXX dollars less than I started with. I feel like I am unjustly held to a debt that was XXXX 11 years ago. Enclosed is the bankruptcy discharge letter, student loan information from Navient and other details. I asked them to settle this debt for {$1200.00}, but they refuse. I just want it gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CCF Intermediate Holdings LLC
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Speedy cash does not operate in my State of Virginia. It is illegal and also illegal to come after me but they keep selling my so called debt and putting it on my credit reports AFTER I HAVE ALREADY HAD IT REMOVED!! It was just recently been put back on my report in XXXX XXXX XXXXXXXX and that is a complete falsehood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
A few times i tried to go to my bank and start a credit card but they told me no on Several occasions because there were too many attempts on my Social Security card so they said I couldnt make an account because someone is attempting to use my Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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: Personal information incorrect

Complaint:
I've asked the credit bureaus to update my name, address and it's been over 45 days and they still have not completed this for some reason.

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 2021-12-27
Company: Gotmortgage.com
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX closed on loan promised payment to my account by XX/XX/XXXX, it is now XX/XX/XXXX, they have not funded loan and have not called me back but XXXX cant confirm problem because Lending3 is not returning my or their calls or emails. They also tried to close the loan on XX/XX/XXXX with wrong documents and charging me {$5000.00} more than what I had previously agreed to and signed off on and when asked for right paperwork they threatened they were going to cancel my loan if I didnt sign the wrong stuff which I still refused so they finally got the right paperwork to me. But now I am awaiting the funding and the funds put into my account and they have disappeared and wont return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I closed on a brand new home financed by Homepoint Financial. In XXXX of XXXX, I received an escrow analysis showing a Forced placed insurance charge of close to {$6500.00} dollars. This forced placed insurance was incorrectly placed on my account, as I had insurance at the time of close and was able to obtain proof of insurance for XXXX to XXXX. Since XXXX of XXXX, I have been working with Homepoint to get this charge removed from my escrow account. I have submit proof of insurance close to 10 times, called in weekly and sometimes daily, spent countless hours on hold, spoken to over 10 representatives and have had to explain myself to them every single time I call in. The forced placed insurance charge has caused my monthly payment to increase by over {$350.00} for every month since XXXX. Homepoint has made no effort to resolve this. I have sent in emails, written notices of error, spoken to directors and insurance department alike. I feel I have done my part to resolve this as this issue is between the insurance company and Homepoint financial. I have paid my insurance and have paid my mortgage, yet the ridiculous charge of {$6500.00} has only been partially refunded and still reflects a charge of over {$4000.00} without reason. Many agents have stated verbally that they see the error, yet nothing has been done to fix it. One agent even stated I was charged 2 forced placed insurance charges but have not been refunded. Homepoint is purposely being negligent to prevent my mortgage payment from returning to its original amount of about {$1500.00}. My current payment is $ XXXX Through no fault of my own.

Company response to consumer: Closed with explanation