BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Yield Solutions Group, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Today, I have received a rejection letter from XXXX XXXX XXXX XXXX, stating that I was denied a loan for the amount of {$26000.00}. As I was told by XXXX, XXXX of the prerequisites was to have a minimum score of XXXX. I did my research on RefiJet before I even gave them my consent to verify my information using my XXXX and XXXX credit reports. I feel like I've been bamboozled. With the rejection letter, XXXX XXXX XXXX XXXX did not use XXXX nor XXXX, only XXXX. I have the documentation to prove my claim. Just for the record, all information is recorded, as I was told countless times by RefiJet agents. Again, the only thing I needed was a XXXX XXXX XXXX. XXXX assured me that my application will go through without a problem. It was until XXXX and other agents got involved and ruined the entire application process. This evening, I connected with a RefiJet agent named XXXX, who was not sympathetic nor did she address any of my concerns regarding my application. I was not pleased with any response that was given. I explicitly stated on call that I will be contacting the CFPB about RefiJet misusing my information to unknown sources without my knowledge/permission. I have unfreezed both my XXXX and XXXX credit reports because of what XXXX and XXXX asked me to do. I was transparent about my goal as a consumer and they were retrieving all the pertinent information that I've provided them in the chat through a third party software that is often used by them. I want to stress this... I did not give RefiJet consent to use my XXXX credit report and share it to third party lenders. It wasn't until today that I received the rejection letter stating that XXXX nor XXXX was used on the application. I'm wondering if those reviews about RefiJet are legitimate. But that is besides the point. I am opening a claim for CFPB to investigate RefiJet and their unethical business practices. I will also dispute this hard inquiry with XXXX. I did not give them my permission to use XXXX for the hard inquiry, only XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX XXXX who has applied for an exception for my tax an although I've provided proof of my statues the mortgage company which is Mr , Cooper is saying that they only show that I am 4 % tax reduction eligibility. Second issue is that I tried to get removed from the escrow and paid them the money that was in the negative in escrow to bring my balance to XXXX and they said that they never received the money and second the 've doubled my escrow from XXXX to XXXX dollars in one day. When I was first made aware of the escrow issue is when my mortgage company was Trippled my monthly payments from XXXX to XXXX in XXXX of this year. Once I was able to get them to recognized the tax decuction my monthly payment is now XXXX these numbers are just ball park figures however the point is I feel that I am dealing with an unhonest company. I spoke with them about the XXXX dollars I paid them on XXXX XXXX XXXXXXXX XXXX to bring my escrow balance to XXXX they said that they didn't process the money because it was one digit off something crazy like that but I was never made aware of an issue with my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: MI
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:
There has been four hard inquiries in the month of XXXX which has impacted my credit score on Equifax. The first mistake was a report of secondary account opened at XXXX, I was easily able to dispute this problem which decreased my credit score by XXXX points I called the bank immediately and found no other account open under my name which I reported to Equifax, the second inquires were back to back in the order of XXXX ( XXXX ), XXXX XXXX XXXX  ( XX/XX/25 ), XXXX XXXX XXXX  ( XX/XX/25 ) and XXXX XXXX XXXX ( XX/XX/25 ). I called Equifax immediately about these inquires and were met with unhelpful responses, which lead me to ask more questions such as l, whats the name on this account. This inquire turned out on their system that Equifax combined my brothers name with my account, I have explained throughly this is not possible since I have had my account longer then his, they are aware this is their mistake but refuse to do anything about it other then to send in my SS card, Driver license and letter of why Im requesting this change. After doing this they still will not remove the inquires though they have made the mistake in the first place. All the other bureaus have not made this mistake and are reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Someone else auto loan is currently reporting on my credit report. Which making it hard for me to get approve for auto loan nor I'm I able to veer 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 explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NC
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:
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a ; ate payments. They have not supplied this information and they must delete the alleged late payments on my credit report they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of constructions - Exclusions.- Except as provided in paragraph the term " consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-06
Company: EQUIFAX, INC.
State: PA
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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-02
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt I have no knowledge of never had an account with astound ever

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-13
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: Their investigation did not fix an error on your report

Complaint:
I have disputed these accounts for several months and I have not gotten any responce...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

TRANSUNION XXXX : XXXX XX/XX/XXXX 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

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 2022-05-27
Company: EQUIFAX, INC.
State: TN
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 : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account NumberXXXX has Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: AZ
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:
PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
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 that 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 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 2022-09-27
Company: EQUIFAX, INC.
State: VA
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:
I have late payments reported on my report thats causing me grief and hardships from getting a home for my family my information is being trafficked without my consent and its casing me embarrassment and unfairness, and I also have falsely been told Ive been pre approved for credit cards that I have been denied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX of last year, the Santander bank accepted a loan for me to take out an XXXX XXXX XXXX car with XXXX, due to the high fees. I spoke with my bank, XXXX  XXXX XXXX, and they approved the refinancing. To date, the installments were up to date, on XX/XX/XXXX they sent me the pay off of the total car debt, immediately send this to the XXXX  XXXX XXXX. and XXXX XXXX  XXXX paid XXXX Santander the value that Santander had sent in the Payoff. Last week I received a bill for almost {$1400.00} dollars after two months of having settled the car debt with XXXX Santander, I called XXXX Santander because that bill had arrived. For which the loan had already been closed with them, they only replied that the entire debt was not paid, I called my XXXX  XXXX  XXXX and told them about the situation with the Santander bank, then they told me that it was not Bank 's fault of America, because they paid the payoff that the Santander bank sent me to pay them. To this day I don't understand why two months later they send me an invoice for {$1400.00} dollars and I'm out of work, and Santander calls me all the time to charge me if not, they report me for damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: PA
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:
After receiving response that my account/debt was verified. I sent in a XXXX  letter on XX/XX/23 to all XXXX credit reporting agencies regarding numerous account ( all will be attached to this complaint and where also attached to my dispute letters ) based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who the spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the MOV dispute letter.. This is a violation of the FCRA. Also this creditor is in violation os 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00XXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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