BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX 
XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX, FL XXXX These companies are reporting hard inquiries on my equifax credit report that I do not recognize. I do not have any open accounts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2021-07-22
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an accident the beginning of XXXX which in the same week my insurance company dropped Bridgecrest the {$28000.00} to be exact it is now week six and Bridgecrest is still holding my money for my overpayments every time I call I get the runaround I was first told 7 to 10 business days that came and gone then it turned into 4 to 6 weeks now here we are the sixth week and theyre still holding my money they got way more than what I paid for the truck none of their employees know what theyre talking about every time I called Ive gotten a different story a different time frame a different process I am a XXXX mother of XXXX children XXXX being a toddler XXXX being an infant neither of which I can get to the grocery store or doctors appointments or nothing for that matter because they refused to release my money so I can move on with my life and get another vehicle from experience find another company!!!! Now here it is almost 2mnths later still no updates still no refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by XXXX to Ditech in XX/XX/2016. The last mortgage payment I made to XXXX was never transferred to Ditech, so as soon as my account transferred I was considered " late ''. I called and wrote Ditech to no avail. I ended up making double mortgage payments for XX/XX/XXXX in an attempt to stop them showing I was late in paying my mortgage. It has been over a year and I thouight they had finally cleared this up, but just looked at a current statement and it shows accumulating late fees. THE PAPERWORK I RECEIVED WHEN MY MORTGAGE WAS TRANSFERRED TO DITECH INDICATED THAT THEY WOULD NOT CHARGE LATE FEES FOR 60 DAYS AFTER A MORTGAGE WAS TRANSFERRED TO THEM. They have committed fraud because they did not honor this agreement. 
I have NEVER knowingly paid anything late in my entire life. My credit score is over XXXX. Why can they not clear up their accounts and just be honest? Why did I never receive notification that they thought I still owed them a late fee?? In this situation with Ditech, I even made a double mortgage payment ( once to XXXX, and once to Ditech, which should n't even have been owed if they knew their accounting system from a hole in the ground ) to avoid a late fee, or being caused to look like a deadbeat. 
It enrages me that mortgages can be bought and sold seemingly at random and the consumer has no choice whatsoever in who services their mortgage. This is the hugest financial transaction that 99 % of us will ever have. Why ca n't it be done right? 
XXXX, I revere you. Please help with this issue. It is n't just me, but umpteem consumers that are getting shafted by this morgage servicing XXXX. 
Many thanks in advance for whatever you might be allowed to do by the current " administration ''. 
What am I asking for? : ( 1 ) Ditech removes the bogus " late fees '' from my account ( 2 ) Ditech sends me a letter of apology and an acknowledgment that what they did was in violation of their own policies ( 3 ) Ditech is put on some kind of watch list so if they continue doing this to me or any other consumer, they face harsh penalties and/or jail time for everyone in the C-suite ( 4 ) A bill is introduced to make mortgage servicing " cramming '' a federal offense punishable by massive penalties and jail time for executives

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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:
My personal information was shared to the public in various data breaches which caused me to be a victim of identity theft! I have accounts and inquiries on my report that were unauthorized and this is hurting my reputation with the banking system. I need these accounts and inquiries removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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 have contacted the credit reporting agency since XX/XX/2022. XXXX  XXXX credit card balance shows two late payments, according to 15 usc 1681 ( a ) ( 2 ) which is incorrect and in violation to consumer rights as far as credit reporting. a consumer report does not include transactions and experiences. 
XXXX credit card account is showing a negative payment status I requested debt validation numerous times since XX/XX/2022. Which I never received. In addition my consumer right 15 usc 1681 ( a ) ( 2 ) transactions and experiences are not to be included in consumer report. I might also add if this true debt this company claims it to be, a charge off is considered a cancelled debt. 
XXXX  XXXXXXXX XXXX XXXX in regards to late payments this reporting once again violated my 15 usc 1681 ( a ) ( 2 ) transactions are not to be included in consumer reports. 
Collection account from XXXX XXXX XXXX orginal creditor XXXX XXXX XXXX  XXXX XXXX. this is in violation of 15 USC 1681 ( 3 ) which restricts sharing my medical information to a 3rd party without my permission. In which I did not give or shown proof of my signature. This exhibits my HIPPA rights are currently violated as well.

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 2023-07-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent Transunion, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXX XXXX/XXXX-XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.

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 2023-09-15
Company: EQUIFAX, INC.
State: AZ
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:
wrote several dispute letters to the credit agencies, XXXX, Equifax, and XXXX to let them know by Law they do not have the right to show late payments on my credit report. By Law.. 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.. Meaning they are showing transactions and experiences on my credit report which is a Exclusion by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It 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 explanation
Consumer complaint received 2019-06-20
Company: Skrill USA, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I deposited {$100.00} to my Skrill account and they sent me an email after 5 days saying it was finally processed and in my digital Skrill wallet, however its not in my actual account, my bank was charged over a week ago and nobody knows where my money wentt. Theres no customer service or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} Discharged XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX DISMSD/CLSD XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX. XXXX, XXXX DISMSD/CLSD XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX nquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2022-05-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
To whom it may concern, Have had a citicard credit card for years, never have had late payments, always paid more than minimum payment, noticed when in looked at end of year report that I was being charged a debt protection fee which I never signed up for, mind you I had not used the card in years, i was just paying the " balance '' off, when I noticed the fee I contacted citicards and I was given the a # to call, I stated my case and was told to wait for a response through the mail, never received one, so I called again and after a few weeks received a letter that stated that they could not refund any of the debt protection. Reading about others in the same predicament, the same excuses I was told, that I had signed up for it, eventhough I never recalled doing it, that it has been so long ago that they do not have a record of it and so forth ... the debt protection fees are probably in the few thousand dollar range, I had not used the card in years, just paying it off.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-04
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have never been late with my XXXX XXXX. I did not receive statements around XXXX and when I became aware of a past {$41.00} balance I paid immediately on the phone. I do not know where my statements were going or if they were ever sent. I am disputing a late report to credit bureaus because I was never late. I recently changed several credit cards from online statements to paper statements because I was not receiving statements. XXXXXXXX XXXX could not tell me if this happened to this card.

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