BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-18
Company: EQUIFAX, INC.
State: VA
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:
Equifax Credit Reporting agency has not complied with Section 605B of the Fair Credit Reporting Act Which requires them to block fraudulent information on my report. Instead they continuously keep submitting disputes with no resolution. I have exhausted numerous hours and phone calls trying to have them to comply and remove and block the accounts. The representatives have poor English and continue to put me on hold only to come back on the line and state that they are waiting for a dispute resolution. There will never be a resolution. The fraudulent accounts that remain are as follows .... 

XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has been forwarded a copy of my identity theft report / police report but continue not to comply or remove the fraudulent accounts. I have called them over 10 times to include communicating with their fraud department as well. This agency is not cooperating with me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2023-05-16
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: HireRight Solutions, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Prospective Employer XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX, Without written authorization took my personal information and submitted it on my behalf to XXXX XXXX company for a background check consumer report for appointment as a private contractor of XXXX XXXX XXXX XXXX XXXX XXXX of which is a misrepresentation as I was under the Impression I was going to be employed by XXXX XXXX XXXX 
XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  Utilized the service Hireright LLC to acquire an unauthorized complete report. 
XXXX XXXX. XXXX. XXXX Suite XXXX XXXX, OK XXXX XXXX XXXX and or XXXX casualty Insurance company in this action without written authorization and surely with no XXXX Ohio address Listed my job location as XXXX XXXX, XXXX OH XXXX knowing all along my Insurance producer license Was NV Resident only and without non resident permissions. 
I did not have knowledge of the report, or the report in my hand to dispute within the required timeframe listed to be a 5 day requirement provided within the HIRERIGHT LLC communication. As all or part of it may be incorrect. 

HireRight llc WAITED UNTIL XX/XX/2021 to send me notice of this report with a letter stating that this report has information in it that may result in " company '' deciding not to offer me a position in which I did not apply. 
The background check and consumer report request # XXXX States it was REQUESTED : XXXX  XXXX XXXX  COMPLETED : XXXX  XXXX 2021 ADJUDICATED STATUS SET : XX/XX/2021 Yet the postage shows that it was not sent until XX/XX/2021 I did not receive it until today.vAttatched is the info for XXXX XXXX XXXX XXXX for the liability protection of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
and also Attached is supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 60 days late as of XX/XX/2020 I am not sure how this happened as I had enrolled into their Covid Relief Program and was told that I would not be marked late. My only thought is that there was an issue with my application being processed in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE 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 belongs to someone else

Complaint:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private 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 non-monetary relief
Consumer complaint received 2021-11-05
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've tried several times and several different ways to get my personal information corrected on my consumer report yet i haven't received any response nor update to my report. ive been a victim of identity theft and continue to reports this to the 3 major buearus to no avail.

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 2023-05-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
CREDIT ACCEPTANCE CORP Balance details Paid off - Balance - Balance updated - Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/ Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/ Original balance {$23000.00} Monthly payment - Last payment date XX/XX/ Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MI XXXX Phone number By mail only THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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 2023-08-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX  XXXX Balance Owed : {$3900.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} 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 2022-11-17
Company: Experian Information Solutions 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 a accordance with the fair credit reporting act XXXX  account 's that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 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 2022-11-14
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company SYNCB/CARE CREDIT, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCB/CARE CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is for EQUIFAX Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/, Citizens Bank acquired customer accounts from XXXX. By checking, credit card and line of credit accounts were migrated to Citizens Banks. In addition, Citizens Bank covert my line of credit into an overdraft protection account, which is now jointly tied to my checking account, The contact information for these transferred accounts was not correctly handled, and my checking account went past due 30 days with a statement, phone, or email. As a result, this account was charged off. I made a payment to settle the charge-off in XXXX. However, the more significant concern is since my separate line of credit has been tied to the checking account as overdraft protection, I no longer have access to my line of credit or the ability to make payments. There are no local Citizen bank branches in the state of Georgia. Therefore, I can not fulfill charges to the account ; the line credit account I originally had is no longer available. I contacted XXXX, the original owner of these accounts. They provided me copies of the last two statements before my funds were transferred to citizens bankthe statements clearly detail that these two accounts were wholly separate and had different account numbers. In addition, Citizen provided me with a line of credit checkbook, which deposited a check that was returned due to unverified account numbers, that I had to throw away. I need this overdraft account to convert back to the original format of the report I previously owned at XXXX I had for over 17 years, immediately. I provided documentation of previous accounts in question for their review. Citizen Bank has yet to respond to my XXXX  complaint, which has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Global Lending Services LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I took out a car loan for the purchase of a used car in XXXX of XXXX With global lending service at a very high interest rate of 24 %. I had XXXX credit at the time and that is why my interest rate is so high. I had a 100 % payment history up until until XX/XX/XXXX. I called And explained that I had been diagnosed with a XXXX  XXXX and had been Suffering tremendously from my XXXX, Having become a XXXX  XXXX XXXX  And being subsequently fired from my job for that reason. I explained that I was experiencing an undue financial hardship and requested some type of reasonable accommodation. I was told by whom I was spoke with that they would put ahold on my payments to give me more time and guaranteed me that this would not be reported to the credit bureau. Local lending services do not offer refinance they are a creditor. Someone with a 100 % payment history and who is in the process of increasing their credit score should be able to have the opportunity to refinance And have a smaller payment. Within 30 days of my 1st late payment someone reported it to the credit bureau and it has literally destroyed my credit score Which at this point is making it absolutely impossible for me to find a rental home because I am in the middle of being a evicted. I have been offered no lower monthly payments, no option to refinance, and it's, no help whatsoever. It was my understanding that under the American with disabilities act creditors are required to offer customers Who have disabilities that are preventing them from working and paying their bills on time, are reasonable accommodation. This has literally ruined my life And will most likely be the reason that I Become homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: SC
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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