BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: OH
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 reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX ) : ( XXXX ) Please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a letter XX/XX/XXXX concerning an escrow account in which they reported an increase in my taxes and insurance. However, in addition to an increase of {$34.00} a month to cover the increase, they want an additional {$1400.00} added to my XXXX  mortgage payments and are unable to provide any backup as to why I owe it.

I have made several attempts to resolve. So far their explanation is that they had to pay off the home insurance company to keep my coverage after they FAILED to pay it the entire year of XXXX. I actually did not have insurance that entire year. I have several questions they seem unable or unwilling to answer : ( 1 ) Why am I responsible to pay anything AT ALL for the year in which I did not actually have any coverage? ( 2 ) What did they do with the money I paid into escrow to cover home insurance? ( 3 ) What is the supporting documentation to demonstrate where the supposed {$1400.00} debt comes from? They are now simply not answering my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: OneMain Finance Corporation
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Between XXXX & XXXX of 2019 I went and applied for a payday loan here in XXXX XXXXXX/XX/XXXX at One Main Financial Services. I've dealt with this company before in serval accessions when needed. I borrowed a payday lone in which I was paying them on time. My complaint basically is that I feel I was forced into this Dept. situation in which I also know I am a fault. I strongly believe that the amount I originally applied for was not giving to me. At that time I was going through other crises both mentally and financially. I ended up going through a consolidation agency and was able to consolidate almost all of the accounts owed. One Main Financial took my account to a collection agency. I believe this agency is over charging both in interest and in money totally owed. During this pandemic that is already happening is there anything I can do or sue this collectors agency? I already started paying them the arrangement made through my council Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
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:
This letter is my final communication regarding the inaccurate entries being reported on my credit report. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1- XXXX - XX/XX/2018 2- XXXX - XX/XX/2018 3- XXXX XXXX XXXX XXXX XX/XX/2018 4- XXXX XX/XX/2018 5- XXXX XX/XX/2018 6- XXXX   XX/XX/2018

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 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 to resolve this matter on my own but have not been able to, If you could assist me in resolving this issue. The following account is not mines : XXXX XXXX XXXX XXXX XXXX {$120.00}

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I do not know these people, addresses, Phone and Numbers. I never made any accounts with these companies or have any contracts with them. I'm asking that they all be removed promptly from my credit reports Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I went to buy I brand new car from team XXXX XXXX Nj which is located in XXXX XXXXXXXX XXXX  XXXX, XXXX, NJ XXXX. In XX/XX/2019 Unfortunately since its the first experience for me I trusted the finance manager that he will do the finance through his company only but I found out he run my credit score almost 23 times with deferent lenders which effect my report and I even didnt get the approval from his company although I was 100 % coalfield to. He chose the lender who gives him more commission and charge me with 11 % interest rate for 6 years which will cost me to pay the vehicle price 1.5 time the real sale price. I have no option that time but since that time Im suffering with the monthly high payment which is {$590.00} and I found out that I cant refinance as he said.

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 2021-03-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I went to buy I brand new car from team XXXX XXXX Nj which is located in XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. In XX/XX/2019 Unfortunately since its the first experience for me I trusted the finance manager that he will do the finance through his company only but I found out he run my credit score almost 23 times with deferent lenders which effect my report and I even didnt get the approval from his company although I was 100 % coalfield to. He chose the lender who gives him more commission and charge me with 11 % interest rate for 6 years which will cost me to pay the vehicle price 1.5 time the real sale price. I have no option that time but since that time Im suffering with the monthly high payment which is {$590.00} and I found out that I cant refinance as he said.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2023-12-13
Company: EQUIFAX, 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-09-24
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit 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 literally got a refund from Apple and a dispute with them then it got fixed before that could even happen its been 10+ days with my account restricted requesting payments and all and I havent heard anything from support at Apple Card . They said we cant help over the phone you have to wait

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: CBC Companies, Inc.
State: NY
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 was applying for a mortgage loan with XXXX XXXX XXXX XXXX  and they informed me that there were 3 delinquent accounts with XXXX XXXX XXXX XXXX. I called the company, explained that I have never had an account with them. They said that I would have to travel to the central offices in XXXX XXXX to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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 XXXX is claiming that I owe {$710.00} in debt " via XXXX '' but will not resolve the problem without a police report, who have told me a report likely wouldn't accomplish anything. 

The debt is the result of my identity being compromised in XXXX 2020 where several fraudulent transactions occurred through my USAA banking accounts and I lost my phone number on XXXX, stolen by the same perpetrator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: MD
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 EXPERIAN : XXXX XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} XXXX : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  ( XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} 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 an alleged 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 explanation
Consumer complaint received 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to BANK OF AMERICA , N.A . XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICA 's customer service representative.

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 2021-03-12
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:
RE : XXXX XXXX XXXX XXXXXXXX - I was never late on this account, To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of status of account. Under FDCPA I have the right to request validation of status of my account. you say I owe you. 
This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was hospitalized in XX/XX/2023 for having a XXXX, I submitted a XXXX letter to the company asking them to help me ( not to report a late payment ). I made a payment on my account immediately when I got access to a computer. I just need some patience due to my situation. I usually make my payment on time.

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 2021-03-12
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts has been illegally reporting a collection debt, XXXX XXXX XXXX XXXX, which I do not owe to the credit bureaus since XX/XX/XXXX. I have been disputing this account on a monthly basis since it was placed on my reports and requested verification of the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In response to these 3 requests Capital Accounts sent me 2 page letters suggesting they have sent an itemized list of my debt. In each of the letters the second page is a blank page. This is not a mistake. This is evidence that there is no debt owed at all. 

In any event I did not ask for an itemization of my debt. What I insisted on was validation of the debt with my signature authorizing the debt. I have not received verification as of today. They continue to refuse to remove this false debt from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DP OF EDUC XXXX Balance : {$13000.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$4800.00} DP OF EDUC XXXX Balance : {$22000.00} XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020 XXXX XXXX Date of Inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: MD
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 never got a loan from XXXX student loans i never went to school in the usa so no need to get a loan XXXX student loan is reporting incorrect and wrong information 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 2023-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that this is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with non-monetary relief