BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: EQUIFAX, 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: NEW YORK COMMUNITY BANCORP INC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/2023 payment was 1 day late, so I went online to pay itXXXX, as I completed the payment process, somehow I only paid the late fee. On XXXX 2023, I received a forbearance letter. I called the mortgage company, on XXXX, and they said I only paid the late fee. And I asked how is that possible, that the online payment system will allow only the late fee be accepted as payment, and not the actual mortgage payment? I then made the XXXX and XX/XX/2023 payments over the phone. The gentleman I talked to helped me fill out a " credit reporting review request '', Which I sent in via fax, XXXX. 
On XXXX, I received another letter stating they are unable to conduct an investigation because the specific item disputed was not provided. I called the mortgage company again, explained what has been going on, and now my credit score went down XXXX XXXX, and my wives went down XXXX XXXX. She then said she will put in a request, asking for what specific verification is needed, clarify what is not provided. Her response was that everything in my file looks correct, and this issue should be excused. She then said that I should resubmit a " credit report review request '' via email. She said that this makes no sense, as she is making notes in my file about her findings. On XXXX I received a letter from mortgage company saying they received our inquiry, but after reviewing their records, they determined that a credit correction is not necessary at this time due to the XXXX payment was late.

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 2023-05-24
Company: EQUIFAX, INC.
State: MO
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 consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance .I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because Equifax should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have uploaded my letter. To show proof, that I have mailed in a copy to Equifax. 

Equifax has violated my rights. In my letter, I have attached supporting documents for my Identity and current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have called this medical company to let them know that I do n't know anything about about this bill, I have never had any type of medical treatment whatsoever I always have medical insurance I needed to go to the hospital or any medical facility it would be paid for through my insurance so I know for sure I did not have anything to do with this. It 's ruining my credit for the amount of XXXX the company is called Debt recovery Solutions. I have tried communicating with them and they are not trying to listen to my side of story they are very rude and hard to deal with every time I dispute it with XXXX they always put it back on after it can delete they 're playing with my credit report I have no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX  XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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 2022-09-30
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: Information belongs to someone else

Complaint:
I'm a victim of Identity theft my information was found on the dark web, XXXX data breach, and other places. Someone has purchased cars, tried to buy houses and apply for credit under my name. This is defaming my character, violating my privacy, and destroying my life. I demand this item be removed and blocked from any future reporting. There are also fraudulent inquiries on my credit report i never applied for. I demand immediate removal I'm trying to purchase a home for my child, and this is in my way as i reported this is not mine doesn't belong to me. 15 U.SC 1681 is right to privacy act which there are a lot of violations.

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 2022-04-22
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to Comenity bank at the same time. 

I received a letter a few weeks later indicating it was written on XX/XX/22 that Comenity Bank did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from Comenity Bank. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked.

I have a denial letter from Comenity bank telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from Comenity Bank showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. 

The hard enquiry should be rescinded and removed from my credit file since Comenity says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. 

Comentiy cites XXXX / XXXX Risk Solutions Consumer Center as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that Comentiy Bank Uses and cites in their letter whom I have never heard of. XXXX XXXX indicated at the time I had no credit lock on file with them, Comenity indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and XXXX / XXXX had no security freeze on file ). 

These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and information.

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 2022-07-06
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
8. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
9. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX : I successfully open a XXXXXXXX XXXX XXXX  savings account XX/XX/XXXX : I attempt to connect my bank ( XXXX doesnt take my bank. doesnt tell me this though! ) instead of giving me an error message it just locked me out PERMANENTLY for too many attempts. 
XX/XX/XXXX XXXXXXXX XXXX  : I call XXXX. They half remedy the issue by unlocking my account, I thought everything was fine. 
XXXX I find that I can't open new bank accounts. I can't connect accounts. Apparently XXXX sent ChexSystems some message saying I'm negative. From what I'm reading this mark with remain there for 5 years. No other information is available accept that I have the option to ask for this report and dispute it. Notice how much I need to do because XXXX 's platform doesn't inform you of THEIR website error. Websites are telling me " pay down debt '' as one of the steps. As if I did anything wrong or owe anyone money. 
XXXX I fill out my sensitive info for chexsystems, click send, nothing happens. I try on a XXXX, same thing. I'm on a common laptop, like what's the issue? This is actually illegal on the part of ChexSystems, because they claim they will give me my report but it is inaccessible. I actually try to call, but the connection and accent is so bad I can't understand anyone and I give up. I promise I'm not being XXXX, just XXXX ; I really struggle to understand heavy accents. Inaccessible information that is mine. Hours spent by now. 
XXXX I call XXXX back to give them an opportunity to correct it ; the kind and unfortunate supervisor tells me that by their rules XXXX can not do ANYTHING FOR ME~! I have to reach out to ChexSystems. He was upset as well, he didn't even know this could happen. 
XXXX filing this complaint. Will bring lawyers into the situation if 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My mortgage was in forbearance since around XX/XX/XXXX through XX/XX/XXXX. During this time, XXXX XXXX XXXX ( XXXX ) reported my loan delinquent twice. I applied for credit in XX/XX/XXXX and was advised of the delinquencies were reported between XXXX and XX/XX/XXXX. I contacted XXXX over the phone and through their customer web portal to request the removal of the derogatory items. I was advised both times that they would look into the matter and resolve. Over the past month, there has been no further correspondence nor any updates to my credit report. I advised that under the CARES Act, they were not supposed to report my loan late, just in forbearance status.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # XXXX open on XX/XX/2020 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-24
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:
On Monday XX/XX/XXXX, I spoke with an account specialist at XXXX XXXX who advised me to send in a written complaint to have this matter addressed. As the accompanying documents show, this account is being reported with/as false information on my credit file with at least three credit reporting agencies. Not only is the information false, unclear and misleading, but it is also being shared unlawfully without my express written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-09-21
Company: Bread Financial Holdings, Inc.
State: GA
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 contacted XXXX XXXX due to a fraudulent reporting on my credit as a charge off for this unknown account. XXXX XXXX stated over the phone, I spoke with XXXX, stating how there is no accounts connected with my social security number so that means someone is reporting fraudulent information on my behalf. This is disastrous to my well-being and my future plans. I am in school trying to apply for a new apartment and I was denied due to incorrect information reporting through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Despite the multiple previous written requests sent to TransUnion, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC Sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
US DEPT ED-Balance $ XXXX Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX USDOE/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/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 2023-03-21
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hello, My name is XXXX and I need help... 

XXXX XXXX XXXX XXXX : XXXX Start Date:XXXX Initial Balance : {$26000.00} Remaining Balance : {$17000.00} I put a down payment on a truck in XXXX, Within 5 months the engine went out. I went to XXXX dealership, and they say they put a new engine in the vehicle and apparently they didn't. Now not even 2 years later I need another engine on the vehicle. My vehicle doesn't run and I'm stuck paying a car note of XXXX a month. XXXX XXXX in XXXX XXXX IL is now telling me that my warranty has ran out but I already used the warranty 5 months after putting down a down payment. Now I have to file bankruptcy because I cant receive another loan since I already have one with Credit Acceptance. I feel its very unfair that XXXX XXXX are giving people vehicles that barely work and now where stuck and in debt because of it. Is it any way you can look into this situation? I just dont want anyway else to have to go through what I'm currently going through. They need to be shut down 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