BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: TX
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:
Dear Equifax : I XXXX XXXX XXXX am working on my own credit and I authorize the CFPB to receive info on my behalf so I can keep record for Law suit purposes if you do not honor or refuse to process my request. 

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX N/A XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently Sold from Mr Cooper to XXXX XXXX XXXX XXXX company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with Mr cooper without an extension. However I attempted to request an extension with Mr cooper loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called Mr cooper they informed me my loan was sold to XXXX XXXX. Up until the date of XX/XX/2023 Mr Cooper did not QRPC according to XXXX XXXX XXXX guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. XXXX XXXX as of this date has not responded with a resolution this issue, Or even attempted QRPC according to XXXX XXXX XXXX XXXX for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only 6-7 months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX 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 an 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 2022-09-28
Company: EQUIFAX, INC.
State: MD
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 submitted my initial request to Equifax to remove XXXX XXXX  '' an account I did not open, from my credit report on XX/XX/2022. I received a copy of my credit report ( approximately 45 days later ) in which Equifax started, " WE VERIFIED THIS ITEM BELONGS TO YOU. '' I responded by asking for documentation used to make this determination and Equifax did not respond. I tried to get information numerous times without success so I filed a complaint with the XXXX XXXX XXXX on XX/XX/2022. Equifax responded by stating they were investigating and would provide a response once the Company replied. This in itself was a problem since Equifax had already sent me a response in XXXX stating, " WE VERIFIED THIS ITEM BELONGS TO YOU. '' On XX/XX/2022, I submitted another request to Equifax to remove two more accounts that had been placed on my account that I did not open, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also included XXXX XXXX XXXX again with a reminder that I had not received any documentation to substantiate this was my account. I have spent numerous hours trying to get these issues corrected and my credit score has dropped numerous times, with the most significant change being a XXXX point drop. I have incurred damages and am seeking immediate corrections to my credit report and monetary compensation. I can provide documentation as evidence to substantiate my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX and i am a victim of checking account identity theft and fraud. I was incarcerated from XXXX XXXX and was released from prison on XXXX XXXX. Upon my release, i assumed i was coming out to my money in my bank account that i had in it upon arrest, upwards to {$24000.00}. Unfortunately, when i Went back to the bank to obtain my funds, I was informed that all the money has been transferred, withdrawn from my account by an individual put that I dont know, personally, by the name of XXXX XXXX XXXX The Online check, transfers and wires were listed in her name and all of my personal information including but not limited to my address telephone number, and email for the checking account were changed from my personal information, phone number and address and email all now or change to that associated with this XXXX XXXX  individual. When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions via USPS Mail rather than myself. This is when I recognize that all my settings on my account had been compromised and that it had to have been this woman, because even her home address is save under the account. After all the money was taking out she put fake checks into my account as well witch made me negative a few XXXX dallors and got me RED flagged from every single bank. I have filed at least 3 times with XXXX to get my money back right away but i got denied. 
One last thing, when i got arrested i told my step dad that im close with if he can go to the bank and become my power of attorney just so we can watch my bank account for save keeping. 
After all this time my dad told me to contact you guys and tell you my story for help. Please look into this and if ur have any questions Ill be here to answer. Thank you for your time and i hope you can help!! 

-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 explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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 am making this complaint today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

I have not given the following company permission to look at my consumer report on the dates your company Reported on my consumer report or at all for that matter. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY XX/XX/XXXX FXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XXXX/XXXX/XXXX Social Security : 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 2023-08-22
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We have paid off the loan back in XXXX or XXXX but recently when I tried getting the title from DMV in XXXX, it turns out there is a lien from Honda Financial. I called them but they dont have a record of the old loan and not sure how to go about releasing the lien XXXX VIN for the vehicle is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 do not recognize XXXX XXXX inquiry on XXXX. Inquiry is unknown and unauthorized use on my Consumer 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 2023-08-22
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with the home affordable program via XXXX XXXX they have approved me for assistance to bring my account current to this date MR Cooper has not responded to there request for the current amount to bring the loan current I keep getting the run around by MR cooper telling me they have been in contact with the State of Colorado director and the State Director is telling me no they have not responded to there endless emails for the past 6 months I need help or we are going to loose are home at no fault of ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Eastern Account Systems of Connecticut, 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: Old information reappears or never goes away

Complaint:
I never heard of XXXX XXXX XXXX and I do not recognize the amount

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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:
HELLO, MY NAME IS XXXX XXXX. I HAVE BEEN ATTEMPTING TO BLOCK THESE ACCOUNTS OFF OF MY CREDIT FOR SOME TIME NOW. DUE TO THE NATURE OF THE DISPUTE, IT IS A VERY SERIOUS MATTER AND AM NOW SEEKING LEGAL COUNCIL AND HELP FROM THE CFPB! 

PURSUANT TO SECTION 605B OF THE FCRA. ACCOUNTS AND INFO CLAIMED AS FRAUD MUST BE BLOCKED WITHIN 4 BUSINESS DAYS WITH ALL THE RIGHT DOCUMENTS PROVIDED. I HAVE PROVIDED ALL THE PROOF YET THE BUREAUS HAVENT BLOCKED THE ACCOUNTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: AR
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:
Identity theft report from the federal trade commissions report numbers # XXXX, # XXXX. Under the FAIR CREDIT REPORTING ACT Experian is obligated to provide accurate verification within 30 DAYS of being notified by a consumer of inaccurate/ fraudulent related accounts being reported on their credit file. It has been over 60 days and Experian has and continues to violate the Fair Credit Reporting Act. The data furnisher which they use or e-oscar automated verification system only verifies a consumers name, social security number, and address. Any individual who has access to my personal information as such would easily be able to impersonate me and commit identity fraud. Experian has not provided me with any physical documentation obligating me to these fraudulent accounts ( XXXX XXXX XXXX  # XXXX, Office of Attorney General # XXXX. I have provided more than sufficient supporting documentation to Experian but yet these fraudulent accounts yet still appear on my credit file. For the past several months I have be in touch with Experian consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Experian numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Experian has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Experian has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-22
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from Credit collection services XXXX XXXX XXXX XXXX, MA XXXX This is regarding file number XXXX This charge was falsely against me. XXXX missold a device to me and im happy to return it back, i have not used at all. 
I went to the XXXX  store to return which was not accepted, i called XXXX  to send a return label which was not sent. 
I responded to the collection services with the attached response, still it showed up on my credit rating. 
please help me My old address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX New address is XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Tx XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: DISCOVER BANK
State: MN
Product: Credit reporting 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:
My personal information was used by someone else to obtain credit from these different companies. I've sent out multiple dispute letters to each credit bureau, dating back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ai open end consumer credit plan as late for Afrigk purpose.

485

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 u.s.c. 1681 section.s 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
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. 


I told XXXX, XXXX, and Equifax to reinvestigate the Account 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 aren't reporting correctly.

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