BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: First Credit Services Inc.
State: NJ
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 credit report I have found a Collection account in which I have no association with the collection account or the original creditor listed within the collection account. 

XXXX XXXX XXXX XXXX is reporting that I owe {$190.00} originally form XXXX XXXX is which i have no and never been associated with. I have attached a letter of validation for XXXX XXXX XXXX to validate this allege debt and provide any signed contracts so that i may understand where this is truly originating and find out if someone has stolen my identity or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a CARE 's act third stimulus federal payment in XXXX. Capital notified me that they would debit {$83.00} out of my account as part of the payment. I never agreed or had the option to contest this payment to the bank either verbally or in writing. Also, I signed nothing within the initial contract when I opened the checking account, allowing the bank to draft the {$83.00} without my consent. On XX/XX/XXXX, the money was drawn out of the account, overdrawing my account and the bank collecting potentially {$37.00} 's on each overdraft fee. When I called their customer service, they claimed that they would not work with me regarding another option or provide a temporary credit to my account to bring it back into the positive and stated that I could file an internal complaint which would take 30 days for the bank to respond to from there management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
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:
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. 

I told Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX is on Equifax twice as an account. Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Around XX/XX/2021 I applied for a XXXX Credit Card. My credit score through XXXX is around a XXXX, I was denied and on XX/XX/2021 I received a letter from XXXXXXXX XXXX stating the information they received from Transunion is the reason for the denial. I went to Transunion Website and put in my user name and password and it wouldnt let me in at first. I was then able to get in to the website but after putting in all the correct information I was denied access to view my credit report. I called the number and spoke to a supervisor named XXXX who informed me that there were XXXX credit reports and they needed to fix that first before I could view mine. I argued that if a credit card company was able to view it and I was denied credit due to what was on the report I should be able to view it as they were.I was told that wouldnt be possible and I should call back in 5 business days. I want to know how there is 2 credit reports { I was told it happened when someone was reporting about me and whoever was inputting the information had made an error } That makes no sense! I have a right to my credit report and I want to view it since I was denied a credit card because of it. I then tried to obtain it through XXXX and was denied on that website as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: A-L FINANCIAL CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a used car loan from A-L Financial in XXXX. My car was impounded, I lost my license and the vehicle was sold at auction by A-L Financial. The loan balance of {$3100.00} was charged off on XX/XX/XXXX. 

Now over 7 years later I am in the process of buying my first home but my credit keeps going down because A-L financial keeps pulling my credit without my authorization. A-L Financial Corp has pulled 3 hard inquiries without my consent or knowledge over the past 24 months and this has dropped my credit enough to stop me from qualifying for a better rate. 

A-L Financial Corp ran a hard inquiry thru XXXX without my authorization or knowledge on the following 3 dates over the past 24 months. 

1 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX 2 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX 3 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX This is A-L Financial Contact info as it appears on my credit report Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-06-16
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
received loan and being charged more than what was in the application and a ridiculous date of one week after loan. {$270.00} weekly instead of a {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Investigation took more than 30 days

Complaint:
The report has taken over 30 days. I received a stall letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of 2023 Wells Fargo has a loan called flex loan no credit check to obtain the loan. today I received a message stating I open a new credit card account and I didnt. my credit report is still showing 100 % still need to b paid whn a payment was made on XX/XX/XXXX. I Was not aware of WF putting the {$500.00}. loan on my 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 non-monetary relief
Consumer complaint received 2021-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Ex wife missed a payment I was the closest signer on the loan I was never contacted by the XXXX XXXX XXXX about the missed payment. I viewed my credit report and noticed the late payment I called and had to make a payment out of my pocket on a vehicle that I was not using. I asked them to remove it in good faith from all 3 credit bureas in good faith and they didnt even have any empathy.

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts 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 explanation
Consumer complaint received 2023-05-08
Company: NAVY FEDERAL CREDIT UNION
State: AL
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:
XXXX XXXX  XXXX  CALL THEM TO SEE WHO OPEN AN AUTO LOAN IN MY NAME I REQUESTED THEY DELETE IT NO REPLIES BACK

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was informed via mail my account was closed, due to fraud. I am unaware what the fraud is ... I was contacted by XXXX XXXX services acct ending XXXX via USPS. If I am under investigation for fraud it would be essential that I know this I have not filed a report but I did request for a credit freeze. 

I need to know the details of the fraud so I may rectify it. Otherwise Why have my card been canceled without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX and Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XXXX XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate XXXX and Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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:
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. 

I told Experian, to reinvestigate these accounts : XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account XXXX : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-10-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
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: Account information incorrect

Complaint:
This account should not be reporting to my credit report ; XXXX account # XXXX. 
This company ( XXXX ) was involved in a class action lawsuit, and was in violation of the UCC code.

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 2023-06-16
Company: SANTANDER HOLDINGS USA, 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:
The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, 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:
Please help me understand why the bureaus are still reporting accounts that are inaccurate, unproven, unverified, and definitely NON-COMPLIANT with the FCRA/FDCPA laws. It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that these accounts they keep posting in my report are verified and true. I have been continuously denied getting loans because of this. This should have been resolved months ago but they don't seem to care at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
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:
of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I went to XXXX XXXX to request assistance with obtaining a modification on the mortgage of my property that had been in default since XXXX. The mortgage company at the time was XXXX, although my loan was initiated with XXXX Bank. XXXX  XXXX advised that the best course of action would be to file bankruptcy while we seek a mortgage modification from XXXX. I entered bankruptcy in XX/XX/XXXX, the mortgage modification paperwork was received by XXXX in XX/XX/XXXX. XXXX denied the mortgage modification in XX/XX/XXXX ( during the XXXX pandemic ) citing income inadequacy. The attorneys set a mediation to appeal the denial. The servicer then allowed me to resubmit the mortgage modification paperwork. I attempted over the course of the next XXXX years ( while still in bankruptcy ) to complete the mortgage modification obliging all requests and never received a response. My bankruptcy ended in XX/XX/XXXX. I made XXXX additional bankruptcy payments for XXXX and XXXX of XXXX. The bankruptcy will be XXXX with a successful completion within the next 30 days. I still did not receive a response and the mortgage servicer declined my modification citing incomplete paperwork. I was informed that the foreclosure on my property has recommenced.

Company response to consumer: Closed with explanation