BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: FL
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 SEE ATTACHMENTS : Enclosed please find the evidence detailing Equifax 's violations of federal laws, encompassing the FCRA and GLBA. These violations involve unauthorized reporting, absence of verification, non-compliance with opt-out provisions, lack of wet ink signatures, and failure to conduct proper investigation procedures. These actions infringe on my rights and have resulted in significant harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
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:
Credit Reporting Companies, XXXX XXXX XXXX is inaccurately reporting that this account has late payments. I noticed on a previous statement that they have a person named XXXX also with the same account number listed on my same statement. This is the source of the problem. My name is XXXX XXXX XXXX XXXX and I have never missed a payment and paid that account off a long time ago. They even have the wrong name on the statement. Its very strange what they have done.They have my account confused with as much as XXXX different people! I spoke with the manager there and they have agreed multiple times to delete this account or update it to never late as it should be. However now they keep avoiding me and telling me the manager is out and that he will call me. They never all and are clearly dishonest and shady people who know they are not complaint and are choosing the not acknowledge the error and keep reporting to the credit reporting companies that the status they report is accurate. See the attached document it proves there is great confusion within their system and that it should not be trusted. You all are required to comply with FCRA and FDCPA and delete this account immediately since its clear there is obvious identity theft and unfair reporting practices by this data furnisher or creditor. This account is causing severe impact to my financial, and work life. My health and family life is greatly impacted. It is very inhumane to and down right wicked to be so callus and apathetic about this issue. I should not have to ask again. Please delete this account and keep it off my report.It is a lie to report this as verified! This is preventing me from getting lifesaving medical treatment! I am going to make this public. I could potentially die because this company won't comply with FCRA and FDCPA laws and delete this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: GA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-12-29
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had contacted the lender asking for them to remove me from the loan almost a year ago and they said they would get in contact with me that they would have too get it approved.. so here I am waiting and never heard anything from them I have tried everything asking to dispute it from my credit. I was young and XXXX at one time in my life I had a ex the other person on the account we split up and she took the car and jumped town I have not heard anything from her if I was in contact with the car I would have kept making on time payments, I em XXXX XXXX XXXX now and have XXXX kids Im happily married and would like too move on from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: ALLY FINANCIAL INC.
State: MI
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:
From the months of XXXX XXXX-XXXX XXXX Ally Auto reported to the credit bureaus late/ Nonpayment, which is in violation of U.S. code 15 1666. I did not give any written consent or permission for any of those accusations to reported on my consumer credit report. No consent is identity theft and also unauthorized use. Ally Auto applied debt to payment, which is also against the law.

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 2023-10-10
Company: EQUIFAX, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Resurgent Capital Services L.P.
State: TN
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:
XXXXXXXX XXXX XXXXXXXX sold my account to a third party which is trying to collect on a debt that was writing off as bad debt. This account has been on my credit report shown as bad debt for a period of time. The third party that is trying to collect on this matter have put this on my credit report as that i open this account on XX/XX/2023 which is not true. This illegal maneuver have cause my credit score to drop a XXXX points. This is a fraudulent act and should be rectify ASAP. I have sumitted a copy of the report showing the fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 leased a XXXX XXXX for my daughter and within a few months the tires were worn down at an excessive and alarming rate. I determined the vehicle had been in an accident and I was not notified when I leased the vehicle, they said they were not obligated to inform me. After I brought it to the attention of the dealership they indicated they would " work with me '' when I turned in the vehicle as I had already purchased new, very expensive, run flat tires and paid to repair the cause of the issue. Upon return of the vehicle about one year later, the dealership agreed to no charge the tires that needed to be replaced. I eventually received a notice that I owed {$800.00} for tires. When I called the dealership they acknowledged the error and agree to rectify the issue which of course they did not. A short time later when I applied for and was denied credit, the only negative mark I had was an {$800.00} judgement from XXXX XXXX and two late payments. First, I never had a single late payment and the {$800.00} was a fraudulent charge. When I again called the dealership immediately following this incident I was shocked to realize the dealership was CLOSED leaving me zero ability to effectively fix the lies XXXX had reported. What had once been a XXXX XXXX dealership was now a XXXX dealership and they effectively laughed at me and told me " good luck ''.

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 2020-05-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX  XXXX {$5400.00} DPT EDXXXX XXXX {$1300.00} DPT EDXXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT EDXXXX XXXX {$800.00} DPT EDXXXX XXXX $ 2864DPT ED/XXXX  XXXX {$2300.00} DPT EDXXXX XXXX {$2000.00} DPT ED XXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fair credit reporting act 15 usc 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account is inaccurate in many ways. I have previously reached out to LVNV FUNDING and the are in violation of law 15 U.S.C. 1692g ( b ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1692e ( 2a ) ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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:
Account # XXXX XXXXXXXX XXXX has already been verified as INNACCURATE AND REMOVED from XXXX and XXXX. Transunion is still reporting this inaccurate account. I formally request this account be removed from my consumer report immediately due to this account being inaccurate. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ]. [ 15 U.S.C 1671 e ]. 

I attached my updated consumer reports from both XXXX and XXXX showing that it has been removed as well as the dispute results from XXXX showing that it has been removed.

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 2023-10-10
Company: EQUIFAX, 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:
This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-09-12
Company: Caliber Home Loans, Inc.
State: NJ
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CALIBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
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: Information belongs to someone else

Complaint:
Please remove inquieries XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX Credit Card XXXX. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. These are the fraudulent accounts left that you havent remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.

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 2022-12-08
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. This account was never late XXXX Account XXXX XXXX XXXXXXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number XXXX XXXXXXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Date of transactions XX/XX/2023. 
Amount of transaction : {$13000.00} Received at Selene Finance : XX/XX/2023 Location : XXXX XXXX NJ office Signed by XXXX XXXX at XXXX XXXX  on XX/XX/2023, delivered by XXXX I sent XXXX certified checks for {$8000.00}, {$3000.00}, and {$2900.00} to have my loan reinstated by the stated date of XX/XX/2023. Today is now XX/XX/2023, and i have made over XXXX calls to Selene Finance and every day I am told that my funds have not been received. I have given the company the name of the person who signed the XXXX package and time it was ( XXXX ) signed for. Selene refuses to take the extra step and call their cashier department to locate the certified funds. Prior to mailing I called XXXX  times to verify the address to send the reinstatement funds to and all times I was given the NJ address, NOW I'm being told that they can take up to XXXX days to locate my certified funds. I want my funds applied to the account as of XX/XX/2023 when the package was delivered on time my loan number is XXXX my home address is XXXX XXXX XXXX XXXX NY XXXX PLEASE help me before I lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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