BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Credit bureau deducted my credit score with an unknown hard inquiry on my account. Can you please remove that hard inquiry on my credit report account now.

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 2023-09-12
Company: EQUIFAX, INC.
State: TX
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: MI
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. 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 XXXX more than XXXX times. XXXX 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 and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: WA
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:
Credit bureau deducted my credit score with an unknown hard inquiry on my account. Can you please remove that hard inquiry on my credit report account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I am a victim of the XXXX breach, hacking and identity theft. NETCREDIT has given funds to someone who isn't me. I did not even have a job for well over a year before they claim to qualify me for payday loan. Some sort of job is required to get a payday loan their website states.. I was Recovering from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many more injuries... still am. 

I would have no paystub or paychecks to show them in XX/XX/2023. My car accident was that bad i'm still recovering. What ever they got was from the hacker ( S ) stealer ( s ) was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar/Mr Cooper has added forced insurance and escrow to my account when I have insurance and have presented it multiple times. I filed a complaint with you XXXX XXXX, 2017 and now they have deducted for property taxes they did not pay and still deduction forced insurance. My account is a mess even though I have never missed a payment of principle and insurance. Now they are selling my account to XXXX XXXX. 
This forced insurance has been going on for months and numerous conversations from me and multiple faxs of declaration page has not resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 belongs to someone else

Complaint:
Please be Advised. Ive been a victim of identity Theft!! The following company has allowed someone to get medical care in my name. 

1.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$2300.00}. Ive never done business with this company or signed into an agreement. This is a fraudulent Account!! 

2.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company continues to remove and add back fraudulent medical bills on my report. This company failed to notify me in writing 5 days in advance per the FCRA!! This company failed to validate this account. This company is reporting a fraudulent bill on my reports. Ive never done business with or entered into a signed contract with this company!! ( Please see attached FTC report ) 3. XXXX XXXX XXXX in the amount of {$1300.00}, Ive never done business with this company or have I never entered into a signed contract with this company!!! This account 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 2021-12-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Rent Recovery Solutions
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It first came to my attention in XX/XX/XXXX in attempts to fix my credit that there was a collection from Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX GA XXXX for the The XXXX in the amount of {$2300.00}. I have sent MULTIPLE letters ( XXXX ) asking for verification and have disputed the collection with all XXXX credit bureaus. I have never received any proof of debt. The only returned communication I got back was for a settlement offer XX/XX/XXXX for {$1100.00} I have been calling daily since where representatives have sent me to voicemails with no returned calls. Today XX/XX/XXXX I finally talked to a representative named XXXX who informed me that they do not verify debt and I needed to do that in the community which makes no sense. I asked how he could collect a debt that they could not verify and he said he didnt know. I explained I have had a few instances of fraudulent collections and Id like this taken off since they couldnt prove debt. He explained that I needed to make a police report then send in the proof I did so then they would investigate. This is not promising since they have failed to do this debt any justice since they have a horrible Track record of returning communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Resurgent Capital Services L.P.
State: IL
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:
XXXX XXXX took this off my credit in XX/XX/XXXX because it was identity theft, It was placed on Lnvn Collections in XXXX of XXXX. I asked them to send me a copy of contract they sent me an affidavit. I want this account removed from my XXXX because XXXX and XXXX removed in XXXX of XXXX because this is not my account, I have sent XXXX letters and they keep saying verfied with no proof, I sent them ftc report dated back in XXXX and police report and still have not taking off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX was added to my credit report a guy named XXXX XXXX at XXXX XXXX XXXX said it was from XXXX to XXXX which is not my account I have lived in my current address at those times the date on the report said the account was opened XX/XX/XXXX it is not my account.

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 2021-06-07
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: NC
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, North Carolina XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Experian & XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-10-11
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account

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 2021-06-06
Company: Experian Information Solutions 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:
I disputed XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX On XX/XX/21, XX/XX/21, XX/XX/21. Eventhough I have proof that they have ignored my inaccuracies turning them into violation. They have failed to properly investigate

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 2023-11-03
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out XX/XX/XXXX  and was told I would receive notice of the balance owed, if any. No letter or call was submitted and this showed up on my credit report. I tried contacting southern management systems and they told me they would take legal action, however I still have not been provided with any information on how the amount was determined

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. 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 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 explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: MI
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX  my XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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:
Subject : Request restoration credit score To Whom it May Concern, On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX Dealer, on XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX for amount of {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at 50 miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for one month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX, XXXX, within 9 days of purchase. I cancelled the insurance ( XXXX ). As XXXX Car Dealer gave me the XXXX license plate, XXXX Car Dealer told me they will return the license plate to XXXX. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to XXXX New York. 
In a letter dated XX/XX/XXXX, Addressed to me XXXX XXXX has the vehicle. I want my credit scores restored because it has hurt me. I had a credit score of XXXX to XXXX, XXXX points to XXXX and XXXX points to Equifax. There's inaccurate information on my credit report. I don't have late or missing payments, I paid my bills always on time. I keep my credit utilization ratio below 1 %. My credit limit has not decreased. I don't apply for credit cards. I have no derogatory mark on my credit reports. Why did my credit score drop? Seeing my credit score drop it May cause me some anxiety. It's for this reason I take this action to get my scores back up. I demand these inaccurate information be corrected immediately for ligation due to the stress you cause me. 

I am writing to you to dispute all these remarks of correcting a mistake on my credit reports from all my explanations given, I am required to investigate on my dispute. Because there is a mistake on my credit reports from XXXX XXXX which caused all these damages on credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried reaching out to customer service and the security team at chime to either close or get XXXX to my account. After following their protocol and send my id with photos of me standing in a pose with that days date and time yet they refuse me access to my funds. I'm asking for the situation to be resolved immediately or I will sue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Genesis FS Card Services, Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I HAVE HAD THIS CREDIT CARD WITH GENESIS FS CARD SERVICES SINCE 2009 BUT IT IS NOT BEING REPORTED TO THE CREDIT BUREAUS.I CALLED THEM ABOUT A MONTH AGO AND TOLD THEM THEY SAID THAT THEY ARE REPORTING IT.I CALLED XXXX XXXX AND THEY SAID THEY HAD NO RECORDS AND TOLD ME TO CALL THE COMPANY A FEW DAYS AGO AND THEY SAID THE SAME THING AS BEFORE.SO I DISPUTED THEM.THIS HAS CAUSED ME TO KEEP MY SCORE LOWER THAN IT IS SUPPOSE TO BE FOR YEARS AND CAUSE ME HARDSHIP.PLEASE LOOK INTO IT TO SEE IF YOU CAN HELP. THANK YOU

Company response to consumer: Closed with explanation