BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: SC
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:
This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do nonrelated to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF ED / XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF ED / XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 2022-11-03
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 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 2022-05-06
Company: Experian Information Solutions Inc.
State: SC
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:
The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$1900.00} XXXX XXXXXXXX Balance {$14000.00} XXXX XXXXXXXX Balance {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XXXX ( Original Creditor : XXXX ) XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1500.00}

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 explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
From XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : XX/XX/ Last XXXX SSN : XXXX Subject : Formal Complaint Inaccurate Credit Reporting by XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX regarding their inaccurate credit reporting and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the inaccuracies in XXXX 's reporting of my account with XXXX XXXX XXXX, Account Number : XXXX. 

I have recently obtained my credit reports from both Transunion and XXXX and have discovered a significant discrepancy in the balance reported for this account. Transunion reflects a balance of {$0.00}, indicating that no money is owed, while XXXX reports a balance of {$1000.00}. It is evident that these balances can not both be accurate representations of the same account. 

Under the FCRA, I have the right to dispute any discrepancies contained in my consumer credit reports. Pursuant to Section 611 ( a ) ( 1 ) ( B ) of the FCRA, if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency is obliged to conduct a reasonable investigation to determine the accuracy of the disputed information and record the current status. In this case, XXXX 's reporting of conflicting account balances violates this provision of the law. 

I kindly request the Consumer Financial Protection Bureau to intervene and address this matter with XXXX. I seek the following remedies : 1. A thorough and comprehensive investigation into the discrepancies regarding the account in question.

2. A prompt deletion of any inaccurate information from my credit report.

3. Written confirmation of the completion of the investigation and the removal of the disputed account from my XXXX credit report. 
4. Imposition of appropriate penalties on XXXX for their failure to comply with the FCRA. 

I appreciate the Consumer Financial Protection Bureau 's attention to this complaint and its commitment to ensuring fair and accurate credit reporting. I rely on your assistance in resolving this matter and seeking the appropriate remedy for the harm caused by XXXX 's inaccurate credit reporting practices. 

Thank you for your prompt action in this regard. 

Sincerely, 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 2023-04-21
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX and account # XXXX all under ( XXXX ) and XXXX charge off with no account number. all for has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15U.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 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 2022-05-06
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

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 2020-07-27
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I am closing a mortgage account with Dovenmuehle Mortgage Inc. My new lender ( HFCU ) requested a pay-off statement on XX/XX/2020 from Dovenmuehle but they didn't get a response. I requested a pay-off statement and obtained it on XX/XX/2020. I did my closing for the refinancing XX/XX/2020, so that the due balance to Dovenmuehle will be paid off and I will work with another provider ( HFCU ). 

Today, the same day I did my refinancing closing, XX/XX/2020, I received a letter from Dovenmuehle mortgage stating that the right to collect payments from me is being transferred to another servicer ( XXXX XXXX ) and that Dovenmuehle won't accept any payments from me after XX/XX/2020. So I have only 4 days to adapt to this change. 

Soon, my new lender will send a pay-off check to Dovenmuehle Mortgage company, but if it is later than XXXX XXXX XXXX Dovenmuehle will not accept the payments, and I will be late for payments unless I continue paying to the new servicer. Dovenmuehle customer service suggests to me continue paying the new servicer and get a refund later.

This is a scam. When I called the new servicer ( XXXX XXXX  ), the automated message starts with " If you are a transferring customer from another provider, enter ... '' This is a set up done by Dovenmuehle Mortgage company to confuse customers and get them to pay double. I am pretty sure XXXX XXXX is a paravane company still controlled by Dovenmuehle. This is insane. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: CT
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 into a forbearance plan in XXXX of XXXX when Covid hit. During this process i made sure to connect with my assigned contact to make sure that this would not affect me in any negative way. I was assured that there would be no problem fast forward to XXXX of XXXX my Forbearance was ending and i would resume my payments. I was specifically told my my point of contact that I would resume my payments in the month of XXXX so I called in to make my payment for XXXX. I was sent a loan modification agreement at the beginning of XXXX that needed to be notarized. Per my point of contact I was to NOT pay the month of XXXX because of the delay in getting the loan modification agreement. Since then i have received a total of 6 Loan modification agreements because of errors made either by XXXX XXXX  or the XXXX. I have sent everyone of these in ; in a timely manner. Because of others mistakes I am now paying the price which is not fair. XXXX XXXX is reporting tho the credit bureau that I am not making my Mortgage payment when I indeed have been paying it since XXXX as i was instructed to do. I have tried a number of times to get this fixed and taken of my credit with no luck. Every time I call i get no where ... this is costing me a lot my credit went from a high XXXX down to a low XXXX. Please help I have no fault in this.I filed a formal complaint with XXXX and received a letter saying they were going to look in this but I have not heard anything else since. I have never payed my mortgage late. since the first reporting XXXX has gone and sent a second reporting of me not paying which is not accurate at all i have my bank statements that show I have been paying. I was told that the reporting would keep happening until they receive a complete agreement. as i mentioned i have sent in 6 of these agreements but they are not accepted because of errors XXXX made or the Notary made... I need to get the reporting of my credit report and have them stop reporting because again i have no fault in this delay. I appreciate your time with this matter and hope that i can get some help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

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 2022-10-22
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticedmany items which do not belong to me. Since Im a stickler for research, I found that under section605b of the FCRA you are required by law to remove & block any items which are found to be openeddue to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report foryou and the bank 's records ( learned through more research both parties require ). Please block/removethese files. XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right 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 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The 3 Credit Bureaus XXXX, Transunion, and XXXX need to be held accountable for the injustices they have burdened me with. My credit report shows an account with The XXXX XXXX XXXX ( Acct # XXXX... ) That is full of inaccurate information. If they are getting this information from the same data furnisher, then how is it that they all have different information being reported? My credit report has to be 100 % accurate, and 100 % consistent, and 100 % verifiable. XXXX ) The account status shows as Indeterminate. This account can either be Open or Closed NOT indeterminate. XXXX ) Transunion is reporting a balance of XXXX $ on a closed account that has evidently been purchased by another per the remarks associated with this account. XXXX ) If the account has been purchased by another lender, the Original Creditor can no longer report information of this account. XXXX ) The date last reported has different information reported between the XXXX Bureaus, XXXX. Yet another inconsistency. XXXX ) the 24-month record of payment history is all jacked up, full of unfactual payment history. XX/XX/XXXX XXXX reported that I was 30 days late when XXXX shows that I paid on time, while Transunion holds no payment history at all. Again, in XXXX of XXXX XXXX reports me as XXXX late when XXXX shows I paid on time, no payment reported from Transunion. From XXXX of XXXX to XXXX of XXXX my payment history is reported Inconsistently ( See attachment ). My payments were never late, and the account is closed. These false and inaccurate late payments have tarnished my credit rating. I want this erroneous data deleted from my consumer profile immediately.

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 2022-05-06
Company: EQUIFAX, INC.
State: FL
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 several inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. 
Equifax is stating that " inquiries are a factual record of file ''. How are these inquiries factual when I have contacted the creditors and the creditors have no account. 
Furthermore, they have no knowledge of me doing business with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: AMERICAN HONDA FINANCE CORP
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX is listing the incorrect address for American Honda Finance/Honda Financial Services. The street address is listed as XXXX XXXX XXXX XXXX. The XXXX street address in North Carolina is XXXX XXXX XXXX XXXX. XXXX is required to provide accurate information. This address error is a violation of FCRA. Additionally, Transunion lists the name as American Honda Finance. The correct name should be Honda Financial Services. Honda Financial Services also has an address in Texas - Honda Financial Services, PO Box XXXX, XXXX, TX XXXX. What is the correct address for Honda Financial Services for communication regarding consumer credit reporting - Texas or North Carolina?

Company response to consumer: Closed with explanation