BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX with a dispute against consumer reporting agency - TransUnion. TransUnion is reporting inaccurate information- ( inquiries ) onto my consumer report that needs to be deleted immediately pursuant to 15 USC 1681e ( b ). I did not consent to nor authorize any of the following inquiries that are reporting onto my consumer report. I want them deleted 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I, XXXX XXXX, have been a victim of identity theft, and as a result of the Louisiana Data breach, all of my personal information and credentials have been exposed. I do not have an account with XXXX XXXX XXXX, and my credit report reflects inaccurately. There is an inquiry on my credit report that does not belong to me due to identity theft, and I have no knowledge of it.

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 2019-05-29
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:
Unauthorized credit inquiries : 1-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 



2-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

3-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

4-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

5-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

6-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

7-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

8-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

9-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

10-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

11-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

12-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

13-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: UT
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:
XXXX, XXXX, and Equifax have not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ref : Shellpoint Mortgage XXXX XXXX of the XXXX XXXX XXXX, NY XXXX Sirs ; Shellpoint Mortgage has modified the two way payment on their payment process web. This program was designed to increase the late fees and will not allow a regular two payment amount. I pay the total amount by the XXXX of each month. One payment on the first and the next on the XXXX. 
This payment method has been used for years. The program only excepts full payment, principle payment and escrow payment in their new explanation of payment. On XX/XX/2021 the modification was found. I send {$780.00} on the first and {$780.00} on the XXXX. I can not send two payments as previously. 
Shellpoint applies any payment prior to the XXXX to principle and will not apply the amount for payment on the mortgage. The only option a client has it to mail the two payments and post date the mail sent. Write on the back of the check to cash only on the first. Otherwise it will not apply for payment and a letter of payment due is sent and added to the new statement. 
They continue to message a Bankruptcy note and the XXXX has been over 2 years. I believe that we have a right to pay in 2 payments and the total amount in by the XXXX of each month. The late fee can not apply by paying this way. Shellpoint has found a way to remove this option and apply the late fees monthly. I need help and an inquire as to why a client can not pay the amount as previous for years. 
Thank you very much

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Experian Information Solutions 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:
Errors on my report with following : 1 ) XXXX XXXX 2 ) XXXX XXXX / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX {$170.00} 4 ) XXXX XXXX, XXXX XXXX XXXX {$420.00}

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 2018-10-12
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/2018 I done an extension on the loan and I applied a {$100.00} dollars payment that should go toward the loan balance and make the loan balance go from {$500.00} to {$400.00} dollars, the total amount that was supposed to been taken from my XXXX  account should have been in the amount of {$190.00}, {$96.00} would be the loan interest fee and that {$100.00} dollars would be applied towards the loan balance.The total amount of the loan that was borrowed was {$500.00} dollars and the interest fee was {$96.00}. Someone went and deleted payment for the {$100.00} dollars that was supposed have went towards the loan, and did not send the email for the extension that was requested on the XXXX, they went and changed the loan agreement and redone a loan for amount of {$400.00} dollars.I noticed that online when I had looked at the agreement.When I had called Cashnetusa the reps was unable to see where there was a partial payment in the amount of {$100.00} dollars requested.I was offered a payment plan and I took it, I had asked to be refunded the {$100.00} dollars since the {$100.00} dollars was never applied towards the loan.I explained to them when I had the last loan and requested an extension my balance remain the same, and the balance should have been now at {$400.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
During the timeline of XXXX XXXX ( XX/XX/XXXX ) I have been dealing with identity theft. I was able to let XXXX, XXXX and my banking company know of the issue and put a credit freeze and fraud alert on my accounts. I tried contacting experian until I found out the hacker who stole my identity created a fake gmail account and was in control of my experian account. Experian supposedly changed the email to mine but the username still continues to be the hackers fake email of me. They ensured me it would take 24-72 hours to change and to not log in. I waited and tried and still could not log in, the email was never changed for the account but I have been filtered the emails when there is action on my account. I contacted experian multiple times during the timeline I provided and was told I was unable to do anything because I could not answer the security questions or provide the PIN number. The security question and pin is what the hacker made, so I am unable to verify it because it was not me who set it up. I told them to cancel the account and look into it. They canceled it but now the hacker reopened it. The hacker is still in control of the account and is continuing to use it. Experian has done nothing about this issue and I have filed a police report with the local police. Hacker has my drivers license information and social security number.

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 2021-04-06
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:
So I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. When I call again they told me i need to get a FTC report. This is affecting me from getting my place for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by myself. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
While running information to purchase a new home, our credit was run and the current debts were listed. While listening to the debts, we became aware that one of the debts was not one we had acquired. Upon further investigation, we found that a XXXX XXXXXXXX XXXX XXXX was purchased from XXXX XXXX XXXX, XXXX. in XXXX NC. This purchase was made using my name and social security number. I reported the PII theft to the XXXX Police Department, XXXX, NC ; Officer XXXX, Police Report # XXXX. Officer XXXX suggested I report to my local police department, the XXXX XXXX Police Department, XXXX XXXX, GA, Police Report # XXXX, Officer XXXX. 

I attempted to report this to Capital One, and sat on hold for more than 5 hours on the telephone. I am supposed to close on my home on XXXX XXXX, and now the lending company will not underwrite the loan due to this new XXXX debt on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: SN SERVICING CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are borrowers who reside at the subject property for the last twenty-seven years. After an unexpected accident which led to wifes XXXX and we applied for a loan modification. We have disclosed all our financials, in spite to that Lender keep getting the same unaffordable for us monthly mortgage payment. Instead of adding all missed payments to the current mortgage principal amount, like every modification done, Lender is keep asking for a gradually increasing down payment knowing in advance that we can't pay that. This is only made us feel more miserable and hopeless than before. It doesnt sound at all like we even been offered a loan modification. We hope we have a wrong impression, but it feels like our Lender SN Servicing fully understand and knows that giving us such high monthly payment will lead us to imminent default wright away. Feels like Lender simply enjoys and doing everything that put us in the default without any chance to recover. It hurts to see how people smiling behind your back enjoying your suffering. Our constant stress level impacted our health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Dear Equifax, I have received a copy of my consumer credit profile report. I am writing in regards to dispute the misleading information that's appearing on my Equifax consumer credit profile report.The following inquiries are unauthorized, and I ask that they be removed immediately. 

Name XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my consumer credit profile report. Please remove any information that the creditor can not verify. I understand that under FCRA 611 ( 15 U.S.C. 1681I and 15 U.S.C. Sec. 1681i ( a ), XXXX must immediately remove any misleading an/or misinformation being reported to my consumer credit report profile.Thank you for your time and consideration as well as helping with the situation, it is truly highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: DC
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:
I AM The Victim Of Identity Theft ; Whereas, FRAUD ACCOUNTS -AND - CREDIT INQUIRES Appear Per My Credit Report. With That Said, A Designated Police Report ; Proof Of Law Enforcement Correspondence ; And, Proof Of True Identity Forwarded As Such : FRAUD ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2023-03-02
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:
My credit report lists two XXXX and a XXXX XXXX  XXXX account that contain numerous errors. Although these accounts were erased on other credit reports, Experian has purposely refused to remove them. I have contacted Experian multiple times through certified mail and online dispute to address these issues. 

To resolve this matter, I have requested the following documents and information from Experian : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigator 's report. 
I believe that with this information, I can prove that the erroneous details on my credit report are incorrect and should be removed.

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 2015-07-20
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX cashed a check in settlement of money owned. We received a notice from a creditor, Financial Data Systems, XXXX, that XXXX passed our account to them for collection due to non-payment. Prior to this notice, we received no second or third notice of non-payment from XXXX, and we had no reason to believe after the check was cashed that there was any potential issue with the account or XXXX accounting. We contacted XXXX XXXX on XXXX XXXX, and they stated they would open an investigation and have a superior call us. We contacted Financial Data Systems, XXXX to inform them of the error, and Financial Data Systems, XXXX stated they would await notification from XXXX XXXX XXXX On follow up on XXXX XXXX, no investigation had been started by XXXX XXXX XXXX Re-requested both an investigation and a call back from the supervisor. We continue to be at risk of Financial Data Systems, XXXX filing derogatory payment data to credit reporting agencies due to this error despite being pro-active and aggressive in seeking a resolution. All consumers working with XXXX for medical billing should copy / scan all payments before mailing and keep a copy of the cancelled check ( front and back ) on record. At the time of this complaint, the issue remains unresolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2020-06-04
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Navient damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by Navient failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation