BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
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: Reporting company used your report improperly

Complaint:
Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX XXXX Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TRUIST FINANCIAL CORPORATION
State: PA
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:
remove inquiry off of 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 2018-12-08
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2018 I was notified by XXXX XXXX a hard credit inquiry was just made by XXXX XXXX XXXX to Equifax. 

I have never done business with XXXX XXXX XXXX. I did NOT authorize this hard credit inquiry. 

I pulled a copy of my Equifax report and saw the inquiry. I have attached the page of the report showing the inquiry. 

I called XXXX and they advised I call Equifax. I did an online dispute with equifax. I have attached a the initial inquiry response. 

On XX/XX/XXXX Equifax advised they reviewed my dispute and will not remove the inquiry. They advised XXXX XXXX XXXX could remove the inquiry. They further stated XXXX could electronically remove the inquiry. 

I called XXXX again on XX/XX/XXXX. A manager informed me XXXX would not and could not remove their inquiry. He assured me he has handled 20 different  complaints such as mine and they could not remove the inquiry. He suggested I call Equifax. He did confirm I did not have an account at XXXX. He could not confirm I authorized them to run my credit. 

I called equifax and they said XXXX must remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I starter receiving calls from Diversified Consultants and the representative was XXXX XXXX from phone number ( XXXX ) XXXX stating about a debt that they claimed I owe for a XXXX bill that I never had in my name. However, I sent in a verfication letter from them that same day inquiring about the bill and requested that they send me something with my valid signature proving that I had some type of legal ties to them via certified letter. In receiving the letter, they sent me a bill which still to this day havent provided me with valid signature. Considering that this business does not have a contract with me for goods or services, nor have they provided me adequate proof therefore I am not obligated to pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TN
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:
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 a 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 non-monetary relief
Consumer complaint received 2023-04-13
Company: NEW YORK COMMUNITY BANCORP INC
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in Mississippi and have a foreclosure sale date of XX/XX/2023. I want to reinstate the mortgage loan, but Flagstar Bank mortgage and their attorney, XXXX, XXXX, XXXX will not provide me the amount needed.

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 2020-09-27
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Recieved a debit card from Pay Pal, never requested one, dont want it! Please have this company stop this fraudulent practice. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: AMERICAN HONDA FINANCE CORP
State: DC
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 a vehicle loan with XXXX XXXX XXXX for a vehicle I purchased CPO in XXXX. I had setup an auto-pay account through their service and had no problems until XX/XX/XXXX. My husband and I moved to XXXX  in XX/XX/XXXX but, realized my checking card had been stolen so we had to disable access to the account. I recognized immediately and changed the checking account online for XXXX to draw from but, for whatever reason - the payments were note being pulled on their end. Apparently they tried contacting me but, my phone service may have blocked their calls as SPAM so I never had a chance to interact with them until I realized the following month that payments had not been withdrawn. They recognized the issue/error on their end that the payments were not being withdrawn and they fixed it immediately. I paid off the missed payments as well as the current month in full right away however, this ended up resulting in a delayed payment notice. I submitted an appeal to the CRA but they did not appear to address my concern or issue with this and these two delayed payments are severely impacting my score. I am a XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX and have not had a lot of time to deal with this until now and I'm looking for some help to correct this and request forgiveness for the delayed payments that I paid in FULL as soon as possible. I am looking to purchase a house and this is negatively impacting my ability to do so in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Convergent Resources, 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: Old information reappears or never goes away

Complaint:
Hi. This debt is old.

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: Experian Information Solutions 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:
I am writing to make a several attempt to dispute and request the deletion of multiple fraudulent and inaccurate items on my credit report, which are causing substantial harm to my financial reputation. These items include an inaccurate name, incorrect addresses, late closed accounts, charge-offs, unauthorized inquiries, and a public record, all of which I believe have been reported in error. 

Here are the details of the fraudulent and inaccurate items that I am disputing as well as needs to be delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$67000.00} 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 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 It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The incorrect name, addresses, late closed account, charge-off, unauthorized inquiries, and public record claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above, and I dispute the late closed account and charge-off claims as I have made efforts to resolve these issues, with supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : *Conduct a thorough and exhaustive investigation into the accuracy of my name, addresses, late closed account, charge-off, unauthorized inquiries, and public record on my credit report. 

*Contact the respective creditors, collection agencies, and entities responsible for the inaccuracies to verify the information. 

*Correct the erroneous information on my credit report to accurately reflect my true credit history. 

*Provide me with a written response outlining the results of your investigation and the corrective actions taken.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: TX
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:
EXPERIAN has reported incorrect information to my credit file and refuses unlawfully to remove it. XXXX XXXX credit card services incorrectly charged me a late fee and added missed payment to my file. on XX/XX/2022 XXXX XXXX caught mistake and issued XXXX late payment reversal credit to my account ending in XXXX, also removed late payment from file. After reporting this to EXPERIAN and providing proof they still have refused removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Pursuant to FCRA, Transunion credit bureau must furnish true and accurate information reported on the consumer. Transunion is required to obtain the original contract with the consumer 's wet signature to furnish a report on the consumer. XXXX XXXX XXXX has been reporting delinquent account information on to my credit report to harm my reputation and credit worthiness. I have never had any relationship with XXXX XXXX XXXX. I have disputed this account with Transunion more than once and Transunion has refused to validate the debt. Subsequently, the incorrect account has remained on my credit report. 

XXXX XXXX XXXX has sent written documentation confirming that an unlawful purchase in violation of the Privacy Act of 1974 took place of my personal identifiable information. XXXX XXXX XXXX is a third party, not a party affiliated with any agreement with XXXX XXXX, who is engaging in unlawful debt collection practices to harass consumers in to making payments towards fraudulent contracts. 

XXXX XXXX XXXX has provided documentation stating that the collection attempts are for a contract XXXX XXXX XXXX is not a party to. Failure to provide a written contract between XXXX XXXX XXXX and XXXX XXXX make the fraudulent relationship void ab initio. 

XXXX XXXX XXXX has kept record of my personal identifiable information without my consent. 

XXXX XXXX XXXX has made an unlawful purchase of my personal identifiable information with XXXXXXXX XXXX to engage in unfair and abusive debt collection practices. 

XXXX XXXX XXXX has furnished false reports to at least 3 credit bureaus, including Transunion, XXXX, and XXXX, to harm the reputation of consumer XXXX XXXX without lawful proof of any debt obligation. 

All bureaus have willfully neglected their federal obligation to validate each debt before furnishing a report on the consumer.

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 2022-12-19
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Several months ago XXXX changed their XXXX XXXX XXXX card from the XXXX XXXX XXXXXXXX to Comenity Bank. Our main purpose in using a XXXX card was to use it for travel : twice we tried to use it toward travel expenses at XXXX and it was declined, and a third time with a local business. My husband and I both have cards and Comenity claimed that the first payments we made in XXXX were late and charged us late fees. The payments were sent before the due dates but Comenity claims the postal service must have been slow. That being said, we decided to send the XXXX payments return receipt requested, they were sent on XX/XX/XXXX, it was delivered to the XXXX XXXX XXXX on Monday, XX/XX/XXXX ; we have been checking my bank account daily and as of Sunday morning the XXXX of XXXX when the payment was due on XX/XX/XXXX, there is no indication of it being deducted from our bank account. Comenity Bank does not return the checks to the bank so we do not have a receipt of the written check, they just put in a code to charge the account immediately which means it should have been deducted at the beginning of the week not kept in order to charge a late fee, the first charge was {$25.00} saying the next time it would be {$39.00}. 
We are in the process of trying to close these two accounts and may not be able to do anything about the first set of charges, but I definitely know we do not owe a second set of charges. We intend on fighting any further late fee due to Comenity Banks incompetence and to avoid having our credit rating damaged. We have filed a complaint with the XXXX  and reviewed the rating : Comenity Bank has an overall rating of XXXX and an XXXX  rating regarding credit related matters. Review of the complaints indicate that charging late fees seems to be their way of doing business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: CORELOGIC INC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received a call regarding home loans and how they work. Then I received a second call and they told me that my score was XXXX which I confirmed to be true. However, I never agreed to them processing an inquiry.

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 2020-09-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX, banker, opened my account and made several mistakes. She told me it was a {$200.00}. XXXX ASKED IF I WANTED ONLINE STATEMENTS AND SIGNED ME UP WHEN OPENING ACCOUNT-NEVER TELLING ME I HAD TO SIGN UP OR WOULD LOOSE PROMO OR I WOULD HAVE. Promotion NOT {$300.00}. Promo, ONLY After required direct deposits were met ( which  XXXX never informed me of an amount or number ), I asked if I could switch to a student account and would still get {$200.00} Promotion, XXXX said : Yes. XXXX, XXXX branch banker, emailed XXXX that I should not talk to XXXX anymore-I was  getting All Wrong Information. Also to prove I did everything right, in US Bank 's response to CFPB said I needed to sign up on website for online statements-I HAD NEVER BEEN CHARGED  THE {$2.00} STATEMENT FEE UNTIL NOW. ALSO XXXX, BANKER, CHANGED MY ACCOUNT TO ONLINE BANKING IN XXXX THEN WHY WAS I NOT CHARGED THE PAPER STATEMENT FEE BEFORE AND I SHOULD NOT HAVE BEEN NOW BECAUSE I AM SIGNED UP SEVERAL WAYS FOR ONLINE BANKING. US BANK NEEDS TO TAKE RESPONSIBILITY FOR XXXX 'S MISTAKES BY NOT KNOWING THAT THE PROMOTION WAS EVEN FOR {$300.00}. AGAIN IF XXXX TOLD ME I NEEDED TO SIGN UP I WOULD HAVE BUT SHE DID NOT.

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 monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: MI
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2020-09-27
Company: General Motors Financial Company, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM Financial has reported myself as charge-off account, despite my numerous requests for negotiation and proof on the debt. This is happening during the covid19 pandemic and GM financial refuses to abide by gov't direction to work with impacted consumers.

GM Financial has reported my account 120 days late in XX/XX/2020, no prior notices or 30, 60, 90 days late process ( jumped directly to 120 days, with no notice or consumer notification to allow me time to address in correct legal fashion as per FCRA, FCCA.

GM Financial continues to violate/damage my credit standing in an attempt to force there agenda of aggressive actions, and force me to bend to there demands and tactics.

How can GM Financial continue to not follow

prescribed US govt directions during these troubled Covid19 times?? Where is the help to impacted consumers? where is the corporate humanity? 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 found on my credit report from XXXX that Citizens Bank of PA did a hard inquiry on my credit on XX/XX/XXXX. I did not apply for credit at that time. Also, XXXX had old late credit card payments from XXXX that they refused to remove. How long does late payments stay on report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: IN
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation