BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: DE
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report and it is showing multiple inquiries from Navy FCU and I don't know why. I have not inquired any new credit or tried to so I am asking for these inquires to be removed from my report. it is inaccurate and needs to be removed according to 15 USC 168 ( 5 ) the following are Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-04-30
Company: EQUIFAX, INC.
State: LA
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:
Account was paid for to be settled and DELETED off of mine and my wife 's credit profiles. Account has since only been settled as paid, but not removed from collections. I do have email confirmation of payment and of the company stating they would delete the account pending payment but have yet to remove or delete the account at all. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
hello i have a legal name change that i am trying to update with equifax its being more than 6 months now, thats i have been try to get my name change at equifax, unsuccesfully, i already sent them my new issued social security card, my certificate of naturalization and everything but they still not want to update my information.what is the proper way to get this solve.   thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 2021-12-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had nothing but problems with experian XXXX since I did their free service and it expired, I happen to have a credit card that gave me free access, I pay my cards off every month, I never carry a balance, I make multiple payments per month up to 5 to clear a zero balance, I get emails from them telling me they are going to shut down my experian for no report of payment, XXXX is this.i was penalized XXXX points last week, for know reason, XXXX, XXXX I went up and up by XXXX points or more from experian, they claimed I paid a account off with XXXX recently this is incorrect, XXXX also raised a loan amount which I haven't touched to XXXX and raised my credit card to XXXX which is always at XXXX every month.i will file a XXXX on experian and take them to court if they don't stop their XXXX credit tactics, infact I went 5 mo ths with no score change with them before this none at all and I pay all my accounts off every month

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 2023-08-28
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Loan Care once again is deciding not to apply payments in order to get late fees. They have done this many times to us. We use an automated system to pay them so the money gets there at the same time every month. They will also log that they receive payment then refuse to/inconsistently apply the balance in order to charge more late fees. I once seen the un-applied balance go upto {$3000.00} which was 3 months worth of payments at the time. They have stated that they had fixed this the year before that {$3000.00} un-applied balance when i submitted my last cfpb report. 

Why do we not use loan care 's automated payment system? 
They have arbitrarily without notice refused us access to the system that would make the payment causing us to not only have a late payment but also dinging our credit scores. Using their payment system used to be our regular method of payment before this happened. Since then we use our banks automated system to send a check at the same time every month. 
And to be clear they told us the lockout had nothing to do with us or any outside actor attempting to gain entry to the account. It was however in response to a XXXX WITH a signed affidavit stating payments would continue to be made to loan care.

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 2022-06-11
Company: EQUIFAX, INC.
State: WI
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 Bankruptcy Account # XXXX, Bankruptcy Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: NC
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 confidentiality under 15 USC 1681. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-02-05
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to reach Nationwide Recovery Systems on numerous occasions regarding two debts that I allegedly owe ( {$1900.00} and {$68.00} ). I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Nationwide Recovery Systems nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Nationwide Recovery Systems provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 
If these things can not be provided I will be handing this over to my XXXX and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
remove all old adresses

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion has sold my personal information to several companies without an written authorization from me. Reporting XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TransUnion has stolen my identity under Identity Theft and Assumption Deterrence Act of 1998 - Amends the Federal criminal code to prohibit identity fraud. Imposes penalties upon anyone who, in interstate or foreign commerce or through the use of a communication facility, knowingly, with intent to defraud, and in order to receive payment or any thing the aggregate value of which is at least {$1000.00} : ( 1 ) receives, acquires, obtains, purchases, sells, transfers, traffics in, steals, possesses, or uses any personal identifier, identification device, personal information or data, or other document or means of identification of any other entity or person; ( XXXX ) assumes, adopts, takes, acquires, or uses the identity of any other entity or person; or ( XXXX ) attempts, solicits another person, or conspires with another person to commit such offense. TransUnion has violated 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 non-monetary relief
Consumer complaint received 2019-11-22
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I sent a written request on XX/XX/XXXX to Freedom Mortgage to please provide the payoff, the Freedom Mortgage website confirmed three days to provide the payoff with the email confirming receipt of the request received on XX/XX/XXXX. I followed up on Wednesday XX/XX/XXXX and called today, confirming that it should be completed on Monday XX/XX/XXXX. The closing is being delayed due to the lack of the required documentation. I resent all outstanding notice of errors and requests for information XX/XX/XXXX and still have not received a response on those documents that state a response is provided within 30 days with many resent twice since the original request and it is years later. 

Request for Information Request Date XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX Notice of Error Request Date XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX & support resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX & support resent XX/XX/XXXX & XX/XX/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 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, nor are these names and addresses listed on file. Please remove them.

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 2023-09-13
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: 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. 

DEPTEDXXXX : XXXX, DEPTEDXXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2021-02-05
Company: CORELOGIC INC
State: OH
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 have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports 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 explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
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 contacted XXXX XXXX, Experian and XXXX on multiple occasions via regular mail, certified mail and online disputes trying to get XXXX XXXX off of my credit report. My car was repossessed and I got it back and paid it off in but it is reporting derogatory information on my credit report. I am trying to get a job with the government and this negative information is hindering the process. The account is over XXXX years old and neither reporting agency will remove it.

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 2023-04-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear XXXX, I am writing to dispute an inquiry on my credit report that was made on XX/XX/2023 by a company called XXXX XXXX. 

In accordance with the fair credit reporting act. The inquiry above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 


The inquiry was made without my permission and has negatively impacted my credit score. I request that this inquiry be removed from my credit report immediately. 

I have reviewed my credit report and have determined that the inquiry was made by [ creditor/company ]. I have no knowledge of this inquiry and did not authorize it to be made. Therefore, it should not be reflected on my credit report. 

As you are aware, the Fair Credit Reporting Act requires that all information on a consumer 's credit report be accurate and verifiable. The inquiry in question is neither accurate nor verifiable, and as such, it must be removed from my credit report. 

I request that you investigate this matter and remove the inquiry from my credit report within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against JPMorgan Chase, regarding an erroneous {$5800.00} charge-off that has been added to my credit report. Despite my repeated attempts to rectify this issue, JPMorgan Chase has failed to provide any evidence substantiating the legitimacy of this debt. I have sent three letters to the company requesting proof of ownership and clarification, yet I have received no response other than a document requiring me to demonstrate that the debt is not mine. This unresponsive behavior has led me to seek assistance in resolving this matter through the appropriate channels. 

As a consumer who prioritizes maintaining an accurate credit history, I am deeply concerned about the potential implications of this false debt on my financial well-being. The actions of JPMorgan Chase in neglecting to address my legitimate concerns have not only caused undue stress but have also violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached copies of the three letters I previously sent to JPMorgan Chase, along with proof of delivery, to demonstrate my earnest efforts in resolving this matter directly with the company. I kindly request that these documents be included as part of my complaint for your thorough review and assessment. 

I hope that your intervention will encourage JPMorgan Chase to acknowledge their error, rectify the situation promptly, and take necessary steps to prevent similar incidents in the future. I eagerly anticipate your response and the resolution of this unfortunate situation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief