BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: IN
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 to the federal law is code 1681. Has violated my my rights as a consumer. XXXX XXXX XXXXXXXX # XXXX. On my credit file.

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 2022-04-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX : XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX  violated my federally protected consumer rights and used my identity and fraudulently opened this account and reported this derogatory account to all credit reporting agencies. They've violated my rights pursuant to FDCPA section 807 by false and misleading reporting ; 15 USC 1692D ( 4 ) just for parking the debt on my credit report trying to get me to pay it. I do not have any contract with my signature on it with this company. I've never done any business with XXXX XXXX, nor have I ever given them any of my information, so this is also a violation of my rights pursuant to 15 USC 1681A ( Q ) ( 3 ). I also never gave this company consent to report this alleged owed debt to my credit report, so this is another violation of my rights pursuant to 15 USC 1692c ( b ). I've also disputed this account with the credit reporting agencies, and it was found to be accurate by XXXX XXXX. I've requested proof of validation and XXXX XXXX provided information of another consumer who is not myself. I advised XXXX XXXX XXXX, and all credit reporting agencies of the matter and I have not received a response. I have also reported XXXX XXXX to the Federal Trade Commission office and the United States Postal Service Criminal Investigations Department for using the United Postal service to commit Racketeering and organized crime towards me. Because this debt does not belong to me, nor am I obligated to pay it pursuant to 18 USC 8 and considering that I've been violated of my rights numerous of times, I demand that you immediately delete and block this collection account from my credit report INDEFINITELY! I have also reached out to my local attorney general and will be seeking damages in amount of {$1000.00} per violation under the Fair Credit Reporting Act in addition to pain and suffering from this heinous crime.

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 2023-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Requesting Equifax to Restore my points between XXXX XXXX thru XX/XX/XXXX, totaling.XXXXpoints.Reqesting XXXX to Restore my Points between XX/XX/XXXX thru XX/XX/XXXX XXXXI have been XXXX XXXX  customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot ; goodwill & quot ; adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that dates back to XXXX. Since that time I have been in exceptional customer paying every month on time. because of my exceptional history over the last two years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX, Equifax, XXXX and XXXX is willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. with todays credit industry so competitive, I know how important it is to maintain good relationships with customersXXXX XXXX has been exceptional in my book so far, and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest.I look forward to your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the accounts were mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.

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 2023-05-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/XXXX I received an email about a rewards program that XXXX ( this is the company that I have lease with ) mentioned that I could earn rewards based on my on time monthly payments. One option is that if I got XXXX points I could get my lease repriced. ( The company had given me points for my previous on-time payments that were made prior to the rewards program so I got my points a year later ) XX/XX/XXXX is when I hit my XXXX points. I called XXXX that same day requesting that I use my rewards to get my lease repriced. 
On XX/XX/XXXX I got an email from XXXX stating to sign my new repriced lease. The repriced lease resulted into me having a new account number and a new payment date of XXXX of every month. My reprice lease amount at the time of switching from the old account to the new account was {$7700.00} with a payment amount of {$280.00}. 
When XX/XX/XXXX came I notice that my auto debit payment hadn't been taken out of my account so I called XXXX to make a payment which I was instructed to make a payment on my new account since the old account is closed.I also mentioned to the rep that I was getting calls about the payment being late on the old account and if I should a payment on the old account and I was told no that any calls or emails that I receive I should ignore because it is computer generated.I asked will it effect my credit and I was also told no because I am making a payment on the new account and that she will make notes on old account that I am now making payments on my new account. 
On XX/XX/XXXX I made my second payment on my new lease account over the phone with XXXX. 
On XX/XX/XXXX I made my third payment on my new lease account over the phone with XXXX. 
Another issue is when XXXX closed my old account they reported that I missed XXXX and XXXX payment but made notes that my credit report that my last payment was XX/XX/XXXX. 
But on XX/XX/XXXX XXXX also reported on my credit report that my account is closed with " FULL TERMINATION : OBLIGATION SATISFIED '' Now on my new account XXXX is reporting on my credit report that I am 30-59 days late but also has that I am in good standing with my account. ( How confusing is that? ) And also, XX/XX/XXXX XXXX updated my account from being 33 % late to 100 % late after I disputed the inaccuracy through Trans-union on my new account. 
Then on XX/XX/XXXX XXXX came back and stated on my credit report that I went from 100 % on time payments to 67 % on time payments on my old account. 
This has been a mess from the time that I got my lease repriced to currently.

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 2023-05-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Reporting agency failed to adequately verify account in collections. Account is tied to an address that I have never resided in nor recognize. The address is also not listed on my credit report nor is the phone number tied to that account deeming it fraudulent. 

Also they have inaccurately tagged my credit profile as having 2 late payments with XXXX XXXX when I in fact do not have late payments on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX How is XXXX XXXX and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? 
XXXX XXXX is reporting the date last active as XX/XX/2021, XXXX is reporting it as XX/XX/2021, and Experian is reporting the date last active as XXXX date is it? It can't be all three? 

Why isn't XXXX XXXX reporting any payment history? Why isn't Experian reporting any payment history other than XXXX of 2021? How can I be on time with my payment in XXXX of 2021 with XXXX but charged off that same month with Experian? When was I reported late with XXXX XXXX or Experian? What was my monthly payment? When was my last payment received for this account? When was the date of first delinquency with all XXXX consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contact and disputed with all credit Bureau in regards to collection debt under {$500.00} that still have been removed from 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 non-monetary relief
Consumer complaint received 2023-05-17
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: Information belongs to someone else

Complaint:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I applied for a refi loan ( as well as debt consolidation ) with Loan Depot. I was repeatedly told that my application had been approved. I emailed and asked for a call-back many times from XXXX XXXX, the loan manager, who refused to call or email me back with a response unless I reached out to the loan officer. 
On XX/XX/XXXX, I signed the closing disclosure document. 
On XX/XX/XXXX, the closing disclosure was emailed to me again. 
On XX/XX/XXXX, I emailed & requested a new loan manager who would actually work on my file. They responded that my file was ready for losing. 

On XX/XX/XXXX, I was informed by XXXX XXXX that my closing docs would be available for signature on the next day, XX/XX/XXXX. I was not available on the XXXX so we scheduled for the XXXX. I was informed by the notary that the lending company had not provided the documents to the title company so we rescheduled for Friday the XXXX. On the XX/XX/XXXX, I signed the closing documents. 

On XX/XX/XXXX, I received an email from XXXX XXXX requesting verification of my employment. This is 60 days after my application XX/XX/XXXX - received an email to review the closing disclosure for the 3rd time XX/XX/XXXX - checked online & my existing mortgage was not paid off & none of the other debt paid off. Called Loan Depot customer care x2 - left message. Also sent chats x2 requesting resolution. Paid my existing mortgage payment for month of XXXX. 

XX/XX/XXXX - checked online & mortgage & debt still not paid off. Called Loan Depot customer care who said she would check and call me back. She called back & said the funds were wired to XXXX XXXX to pay off mortgage & checks for other creditors were fed exed to me on XX/XX/XXXX. Emailed loan officer, XXXX XXXX, and his supervisor requesting extension of 1st mortgage payment from XX/XX/XXXX to XX/XX/XXXX and refund of part of the processing fees for my inconvenience. Call to XXXX XXXX - out to lunch. 

I am requesting that Loan Depot refund a portion of the processing fee for their lack of communication, lack of timely processing my file, failure to timely fund my loan, and terrible customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The credit card from Comenity BankXXXX was opened around XX/XX/2023 and a purchase was made for {$1600.00}. XXXX credit identity service contacted the bank on XX/XX/2023 and the bank closed the account. My remaining question is that about this same time, my social security number showed up at a different address than my address. The bogus address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX. The credit card seems to be resolved, but I'm very concerned about my SSN having this new address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
The original amount I owed was XXXX then macys sent a report to the credit company stating I owed them XXXX they charged me an extra XXXX Ive paid a total of the amount I owed now they keep raising the fee even though they closed the account in XXXX they are still charging me on a closed account that Ive already paid in full

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 2022-10-06
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-18
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Exeter Finance Corp.
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: Problem with personal statement of dispute

Complaint:
I have been a victim of identify theft yet again with XXXX. I have no knowledge of this account with Exeter Finance LLC/XXXX which has opened an account with my social security number and card. I am unaware about any of this and the FTC already has an investigation in motion.

Company response to consumer: Closed with explanation