BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX/XXXX is listed as a hard inquiry on my Credit Report, for which I have no knowledge of nor have I contracted with them. XXXX/XXXX  has not provided any contact or account information so that is verified or validated. On my credit report simply indicates " No contact information has been reported by this creditor. '' This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and charges, provide a copy of my signature with the provider of service then I demand that they cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, Dept Of ED/XXXX, and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to TransUnion   regarding my credit file. TransUnion  further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US Dept. of Education/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  via XXXX XXXX reported to the TransUnion that I applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It has been over 30 days since I submitted the disputes to the credit bureaus. The credit bureaus have violated federal law multiple times under the Fair Credit Reporting Act, 15 USC 1681. Please have the credit bureaus stop the violations and remove this incorrect information from my reports. I have attached the original letter I sent to all three credit bureaus in XXXX. Thank you.

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 2022-05-01
Company: ERC
State: NJ
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. 

15USC 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I first opened the account towards the beginning of this year. Since then, Ive had to change my email, phone numbers and password due to not remembering. I was incarcerated from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I needed someone to access my account due to the fact that I was incarcerated. I decided to give my sister XXXX XXXX POA for financials. She came, I signed and it was filed at the court house. She did get access XXXX XXXX ( Approximately ) She sent me money ( {$300.00} ) and put money on the phone. She then decided to move the majority of the remaining balance to an account with XXXX  XXXX XXXX she was using for.me. That alerted chime of fraud. My sister sent all documents that was asked of her. That didn't work. I got released and contacted chime my self. We went in to XXXX XXXX XXXXXXXX with an appointment asking about the form they were asking for. They advised us that no banks bank statement contains the entire debit card number to protect their customers from potential fraud. Instead they brought up her account and printed the screen showing that debit card was hers. I opened this account strictly for my monthly XXXX payments. I contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My sister and I have sent approximately XXXX emails back and forth. Everytime we send the correct documents, they ask for different ones. Now we're at a point that the bank it's self doesn't offer. I have contacted chime, advise they of this but, there comment is there specially team will contact by email then again ask for same document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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 submitted a complaint last XX/XX/ and the companies responded and some got deleted but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/ and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 non-monetary relief
Consumer complaint received 2023-08-07
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been approved for the Florida Homeowners Assistance Fund program in XX/XX/XXXX. I called XXXX on XX/XX/XXXX and was told my payment was sent to Cross Country Mortgage on XX/XX/XXXX. I called Cross Country Mortgage today XX/XX/XXXX to inquire about the FHAF payment and was told that they had not received it. In XXXX the payment was posted to my account with Cross Country on XX/XX/XXXX and XXXX payment was posted on XX/XX/XXXX. If they received my payment from XXXX, then the payment needs to be applied before my grace period ending date of the XXXX. I do not want to be charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2018-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Cap One is reporting on my credit report that I have no knowledge of. I have contacted this debt collector for proof that I owe this debt and they have repeatedly denied my request and have not provided proof. This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information then I demand that they cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: AMERICAN HONDA FINANCE CORP
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
They reported negative or inaccurate information on my credit report which is against 15 usc 1681. They denied me the ability to discharge this debt by not giving me the ein # to use on a 1099 form for the irs. They have also harrassed me about this alleged debt by phone call and by mail. They also repossessed the car when I know it was paid in full using my social security number because I'm the creditor so they wrongfully have stolen my property and have committed fraud. All of these are violations of HJR 192 and 18 usc 8 obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2021-05-02
Company: EQUIFAX, INC.
State: ND
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts belong to someone else and they were fraudulently put on my credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( Transunion, XXXX, and XXXX  ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.

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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The consumer reporting agencies, XXXX, XXXX and Transunion must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

There exist two public records listed on my credit report that have not been verified by these agencies within the last 30 days. Each one is using old dates as part of their reference, dating back toXX/XX/XXXX and XX/XX/XXXX without either stating a verifiable source, such as the courts. 
Each of these bureaus are in violation of FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute related to the two public records listed on XXXX and XXXX ; and the one public record listed on Transunion. 
These companies have failed to list their sources and confirm the source within the last 15, 30, or 60 days of receiving my prior dispute of this matter.

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 2020-02-09
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  XXXX XXXX {$820.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  {$950.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX  {$2000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   {$340.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Thaxton Investment Corporation
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX XXXX have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XX/XX/23 : Two fraudulent Zelle payments to XXXX XXXX of {$400.00} and {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy discharged ; XXXX XXXXXXXX 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 2018-04-19
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018 I sent a certified letter to Credco Corelogic disputing 3 hard inquiries the company had placed on my credit report for XXXX XXXX. As I stated in the letter, I did not dispute the fact that I inquired to XXXX XXXX   on a possible mortgage loan. I was disputing that the inquiries were for pre-qualification purposes and was to only be a soft inquiry. I ask Credco to send me copies of the authorizations they had to place hard inquiries on my report. I sent them copies of the XXXX  report I had which clearly shows it was XXXX XXXX that they provided the reports to. I received a response from Credco stating they had furnished the reports to their client XXXX XXXX   and they represented they had permissible purpose. Yet they did not send me any copies of proof of authorization.

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