BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Somehow My father accidentally added me as an authorized user on his credit card at  XXXX   XXXX . I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her  credit score . It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all

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 2017-05-06
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Somehow My father accidentally added me as an authorized user on his credit card at   XXXX   XXXX    I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her credit score. It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Ally Financial is taking the whole amount of the pmts toward interest and not applying any towards principal. The amortization schedule doesnt match my balance owed. My balance is more.

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 2023-03-26
Company: Global Lending Services LLC
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 have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Somehow My father accidentally added me as an authorized user on his credit card at  XXXX   XXXX . I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her  credit score . It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all

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 2023-03-26
Company: Experian Information Solutions Inc.
State: IL
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:
After numerous requests, XXXX XXXX XXXX, XXXX, IL XXXX Should be the only address on my credit profile. Delete all other addresses 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
Consumer complaint received 2017-05-07
Company: Tebo Financial Services, Inc.
State: OH
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:
I have reached out to the company to get proof that the reporting information is correct and they will not send me anything back. I 've contacted them by mail with certified letters and still ca n't get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received a dunning letter from ERC. The only notification was when ERC reported the collection on my credit report and I received the alert via the credit monitoring program I am enrolled in.     I sent a certified debt validation letter  XXXX . ( attached ) ERC reponded  XXXX , almost  one month and 15 days later and did not validate the debt accord ingly . ( Letter  attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was in dis belief when I saw the late payments on my student loans. 

Late Dates are not listed but it says 90 to 119 recent days late. 90dayd would be XXXX XXXX and XXXX 2019 but the picture of the debt dont show any latex in 2019 Account names Dept of Education XXXX Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: SUNRISE CREDIT SERVICES, INC
State: DE
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 pulled up my credit report and found a charge that isn't mine. I filed a dispute with XXXX. They found it to be real - even though it is not. They haven't provided any documentation for these charges. The company that is claiming the debt will also not respond. I would like to speak with a person. I would like proof that I signed up for this item. Neither of these companies seem to be willing to speak with consumers. 

SUNRISE CREDIT SERVICES , INC ( 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 2017-05-07
Company: Experian Information Solutions 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 sold my house and paid  XXXX   XXXX  the full amount of the balance due for the mortgage and the equity line of credit in   XXXX  2015.  The bank reported it as repossessed or foreclosed. I sent the  XXXX  credit reporting agencies a copy of th e HUD1  from the home sale indicating that the bank was paid in full. The credit reporting agencies did not fix it. Multiple calls to the bank were unsuccessful in correcting the situation and it has been affecting my credit f or two years  now. I am unable to get this fixed. Please 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 explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the fair credit reporting act, creditors have violated my right. Under 15 U.S.C section 166B states a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account XXXX : XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. Account Name : XXXX XXXX XXXX  Account # : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX has violated my rights. 15 USC 1681 Section 602 A. 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 an account without my written instructions. 15 USC 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 USC 1681s-2 ( A ) ( 1 ) a person shall not furnace any information relating to look at summer to any consumer reporting agency if the person knows or has a reasonable cause I believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
Company: CITIBANK, N.A.
State: OR
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:
On about   XXXX   XXXX   i had my home depot account switched to my business checking for auto pay and  XXXX  dollars over the min payment and then I get notified on the   XXXX   XXXX   XXXX   that im 2 months behind they have record of me switching it but evidently messed up and put auto pay for   XXXX   XXXX   then told me they could not do any thing to reverse what had  XXXX  reported to credit agency so this has ruined my 8 years of  XXXX  percent payment history and dropped my score now my other credit cards have lowered my limit by thousands inaffect raising credit utilization lowering score more and raising interest and payment I have worked really hard at having  XXXX  percent history and never make min payment for 8 years for this to happen over home depot mistake is not rite and for other cards to lower limit raising utilization is even worst I hope someone can help me thanks  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 2023-06-14
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:
I am a victim of identity theft. I have requested on mutiple occasion that these accounts be removed from my credit report and i have also mailed in an ftc report to validate this identity theft and they still refuse to remove the inaccuracies from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or service as a result of the identity theft. 

( XXXX ) XXXX  XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account Number : XXXX Date : XXXX The following inquiries were not done on my behalf : ( XXXX ) XXXX XXXX  Date : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX  Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
Company: Experian Information Solutions Inc.
State: CO
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:
Experian has an Item listed on my credit report from  XXXX  and they refuse to remove it. Actually they put the item back on my credit report after removing it back in  2016 .  XXXX  has notified me that they advised Experian that the item was to be removed. It is evident by the proof that I have which is attached that Experian is in violation of federal law and they are just trying to hurt my credit worthiness. This item needs to be removed immediately.     Secondly ( see attachment ) that Experian is reporting that an old student loan which was sold or transferred was late on a payment. I was never late and yet they report me as late and even list in the comment section that they can not verify it but yet have me as late. Once again violation of Sec tion 609 of the FCRA. Thi s needs to be updated to reflect never late as I was never late and they can not verify their reporting.     Third they added a security Freeze to my account and I did not ask them to do so. This needs to be removed 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 2023-05-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Medical Debt Collection on Credit report for ACCOUNT RESOLUTION SERVI keeps being removed then reappears back on my credit report fraudulently!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made on-time payments for this account, and it is causing me significant anxiety to see an inaccurate late payment on my account. I have never missed a payment and I am pleading with you to remove the incorrect late payment from my account as soon as possible. It is difficult for me to come to terms with this issue and it is affecting my ability to sleep. Please update my account promptly.

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 2017-05-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home has been in foreclosure for over 6 years. I retained an attorney and submitted multiple requests for modifications and short sales. The ba nk Chase, has stalle d and given me the runaround that whole time. Recently, they sent correspondence directly to me bypassing my attorney. I sent the letter to my attorney who called them and told them that until they get a court order or that the case goes before a judge they are not to enter the property or change the locks. They agreed that they should have gone through my attorney first. Then I got a notice from my insurance broker that a claim was made on the property by someone other than me. He investigated and found out that the bank entered the house illegally and made the claim. Basically, they committed the crime of break in and entry to a property that A- is not theirs and B - they knew full well was being represented by counsel. All of this while obfuscating and refusing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Balance : Balance : {$0.00} XXXX  XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor Name  : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX XXXX {$2100.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief