BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
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:
An accordance with the Fair Credit Report act XXXX  Account # ( cant find ) has Violated of my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 ; it also states a counsumer 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 non-monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX 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 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 2022-05-19
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing the following debt " CREDENCE RM '' aka " XXXX XXXX XXXX XXXX  '' for over 120 days and have sent 4 rounds of dispute letters stating that the unverified items is in violation of federal law and is being reported incorrectly on my credit report. They have yet to show or provide me with any proof that this debt belongs to me. The first dispute was sent out on XX/XX/XXXX the second rounds of disputes was sent out on XX/XX/XXXX, the XXXX on XX/XX/XXXX and the final dispute was sent out on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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 need assistance in requiring the credit reporting agencies XXXX, XXXX, and Equifax to stop ignoring my oral and written instructions to correct errors on my consumer report. I have mailed 3 notices by mail with instructions and called twice on XX/XX/2022 and XX/XX/2022. I should have a lock on all XXXX reports and yet there are over 25 hard inquires for XX/XX/2022. There are accounts listed that are not mine and I require the CRAs to remove them. There are addresses not personal to me that I require the CRAs to remove. There are many unauthorized hard inquiries not once authorized that I require to be removed. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the information listed in the section below be corrected, updated, and deleted permanently. I have not given my written consent allowing them to provide or furnish any of the information in question. But I have given them oral and written instructions to correct the invalid information and accounts. They are not following my instructions and this is a violation towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to address complaint XXXX. As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to XXXX XXXX. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the XXXX data breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is XXXX XXXX XXXX. Please see your response highlighted where you admit to no proof of validation. Also see the XXXX data breach claim ID.

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 2018-11-06
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:
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 
@ @ @ @ @ XXXX/XXXX/EXPERIAN @ @ @ @ @ XXXX XXXX XXXX XXXX : XX/XX/2018 Amount : {$580.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount : {$380.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount {$2900.00} ( Fraudulent Account )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: MO
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:
There is an inquiry listed on my credit report as XXXX/XXXX dated XX/XX/18. I did not apply for credit with this company and I've disputed it several times with the credit bureau. They have sent out several letters stating that this has been deleted from my credit report ( attached ) but it still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I notified via email my email was changed. If I did this or not. I went in to say it was not ok but of course I could not lid in because my email was changed. Then, I was notified I sent money to someone which I didnt. It was only {$20.00}. She had sent money back but of course I didnt receive it back. This company is PayPal and I can not get through to a human. Its all automated. Ive been trying to remedy this for a week now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
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 opened an account with XXXX XXXX XXXX XXXX in XX/XX/2022. I submitted making an ACH information for automatic withdrawal for 24 month loan. Two withdrawals were taken out of my account and then all of a sudden my ACH information was deleted from the account by lender and I did not know that the account was not withdrawing until it was already past due. As soon as I realized I added back same info and got account up to date. I am never late and pride myself on my credit being in good standing. This was not my fault.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Ive recently checked my credit report and I see there are accounts that Ive never opened and I need them removed IMMEDIATELY! My grandmother that I used to live with XXXX XXXX open this account using my information trying to so call help me when I never asked for this account open.I never knew about this account till now I had a problem going on where she was using my information so I couldnt move and leave her home so when I do ever go to get a apartment I cant because of her messing it up and the police got involved and she lied multiple times. She has opened multiple accounts in my name even a loan and I dont know how to even get a loan I just turned XXXX. Please remove this from my credit report. 

XXXX  Ive called yall about a late payment because She messed it up she has access to all my information Ive mad a police report because shes trying to mess my life up since I left her home.she had access to my bank account since I was connected to her bank account before I was able to make my own. 
Remove the late payment from my credit report or close the account and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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 opened an account with XXXX XXXX XXXX XXXX in XX/XX/2022. I submitted making an ACH information for automatic withdrawal for 24 month loan. Two withdrawals were taken out of my account and then all of a sudden my ACH information was deleted from the account by lender and I did not know that the account was not withdrawing until it was already past due. As soon as I realized I added back same info and got account up to date. I am never late and pride myself on my credit being in good standing. This was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX account # 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 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 2023-10-25
Company: Experian Information Solutions Inc.
State: MA
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:
This is XXXX XXXX XXXX please 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 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 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 2022-05-19
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing you as a last resort and hopes of solving my issue with Shellpoint Mortgage company. They became my mortgage lender in XXXX of 2020, after Ditech Financial sold my account to them. Around XXXX of 2020 I received a letter requesting proof of insurance for the months of XXXX and XXXX of 2020. I immediately contacted XXXX XXXX and they faxed the policy information to Shellpoint. However, they have continued to charge me an escrow as if I did not have insurance coverage. They are using my house payment to pay the tacked on escrow charges to pay for insurance they added that was not needed because I already had coverage. Therefore resulting in late fees/missed payments ; when in actuality my payments are being paid on time each month! This has caused my credit score to plummet drastically, because they are reporting to the credit bureau that I have late or missed payments. I have tried multiple attempts to contact Shellpoint to rectify this issue without success. Each time explaining the issue with no resolution. They have promised to open cases to look into it and nothing has occurred. I have even had the insurance company fax them the information multiple times. I have been dealing with this for over a year. They are now threatening to foreclose on my home for a mistake they are responsible for. I can't afford to pay them monies that I do not rightfully owe! I have attached the initial letters they sent regarding my insurance. Each time I reached out to XXXX with whom I have coverage, who, then in return faxed proof of my coverage to Shellpoint. I have also attached my insurance declaration that proves I never had a lapse in my insurance and they should have never added escrow to my account to cover insurance they provided. I have also included a screenshot of my credit report with negative marks. I can also provide on request, proof of my bank accounts where the payments have been made on time each month, I have not missed nor been late on any payment. I don't understand how this company is allowed to continue to operate, when there has been numerous complaints and lawsuits regarding the same escrow issue. I would like to get this issue finally resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXXXXXX XXXX ... & XXXX XXXX XXXXXXXX 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 2023-05-09
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
This account was a Charge off account and it was opened in 2015 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I have to get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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 2022-02-07
Company: EQUIFAX, INC.
State: MS
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:
I have a bunch of inquiries on my credit report that I do not recognize therefore I never gave permission for the inqury. I have contacted all but its still reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX FINANCE ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX  XXXX XXXX ( Bank ) XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XX/XX/2020 CAPITAL XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX  ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2020 REGIONAL XXXX XXXX ( Bank XXXX XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Auto ) XX/XX/2020 XXXX XXXX XXXX  ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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