BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX & XXXX BANK XXXX Balance : {$580.00} XXXX XXXX XXXX & XXXX BANK XXXX Balance : {$580.00} XXXX : XXXX & XXXX BANK XXXX Balance : {$580.00}

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 2018-10-04
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged of the account and sent it to this collection company. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor and this company is a violation of my protected rights under the SCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: AZ
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:
I reviewed my consumer reports and I notice that I have to late payments on an account that I was never late for. Cosumer reporting agencies have assumed a vital role and have the responsability to report consumer information to the best of their ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX please investigate and provide proof with statments showing that the payment was late. If proof can't be provided I demamd these payments are updated to on time as they should never late.

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 2023-10-03
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Upon checking my report I notice that an account I do not recognize from SYNCHRONY BANK ( PayPal ) {$2500.00} Is reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, Citi handed over the respective account to a debt collection agency yet continue to report the account as being delinquent. Remove the respective Citi account from my personal consumer report 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 2023-04-03
Company: EQUIFAX, INC.
State: MD
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX 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 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi, hope all is well! My name is XXXX XXXX and I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from. Please REMOVE this information no more than 15 days after receiving this request as required from the law in the FCRA. 

The following accounts : Account : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX  ACCOUNT TYPE : AUTO LOAN Inquiries : XXXX XXXX XXXX XXXX DATE OF INQUIRIES : XX/XX/, XX/XX/XXXX  and XX/XX/XXXX  15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. These accounts should not be furnished on my consumer report as they are in VIOLATION. I am a victim of identity theft, it has been 30 days and you are in violation off this law! Please delete these items immediately. 
Under, 15 U.S Code 1681b In addition, Transunion, Equifax and Experian are suppose to report everying 100 % the same and correctly. Please delete this inaccurate information off of my credit report. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Identity Theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: MPOWER Financing, Public Benefit Corporation
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On complain XXXX I asked MPower to clarify why I got a hard enquiry on my Credit Report. They send information about the date, but not about the hard inquiry. I have never requested a hard inquiry to be made on my Credit Score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I leased a brand new Nissan XXXX. The contract stated that the lease was for XXXX years and I was not to go over XXXX mileage. 

In XXXX of XXXX, when my lease was up I returned the Nissan XXXX in good standing and in good condition. 

The mileage was just over XXXX ; well below the alloted mileage. 

Nissan has the status as the account is still open, when the account should be closed ; it also shows that the payments are current as well as on time, however, I returned the Nissan XXXX back in XXXX of XXXX. 

I called Nissan 's financial department and the person I spoke with stated that she could not find any information on my account. I asked her how can this be since on my credit report shows that it is still open and current with the payments. 

The person could not answer my question, however she gave me an address for me and told me that the only way to resolve this matter was to send a letter to the address below. 

account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The person stated that I have to write them because they will no accept a phone call. 

I have written XXXX twice asking them to either remove this account or to change the status from open to close. 

I have not received a response, nor has anything been changed on the account. It does show a last payment of {$290.00} was received in XXXX of XXXX. How can the payments be current when I returned the leased Nissan XXXX back in XXXX of XXXX? Especially when the lease was for XXXX years, and not XXXX years? 

If they do not have any record of my account, then I feel the account should be either removed or status changed to close. 

I do not possess the Nissan XXXX, I possess a XXXX XXXX now. 

I have been trying to buy a house, and I am unable to get an approval letter because of Nissan. The USDA Direct Home Loan program, says the debt to income ratio shows that my debt is over extended because of Nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you XXXX be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2021-01-13
Company: Credit Corp Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collectors are trying to collect debt not owed by me I was a victim of identity theft in 2019 and several accounts were opened in my name and social I have been on a hard road to get it fixed but XXXX XXXX XXXX and XXXX are giving me a hard time I assume they do not think it was fraud and they just assume that which is because I can see in my credit that whoever opened these accounts made a few payments and then stopped so I guess that may be why they will not consider it fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been getting several calls monthly to my cellphone now daily from Portfolio Recovery. The numbers are all based in Washington state but they may not be legitimate. I got one today and after doing a XXXX search for the phone number it's listed to a XXXX XXXX with Portfolio Recovery. Neither my wife nor I have any debts in collections so I don't know why I keep getting these calls. I won't post my cellphone number in this complaint because I don't want PR to know it's a working number. They will keep calling it unless stopped by your agency. 

I've worked as both a credit counselor and a bankruptcy counselor so I know not to engage with these people. I don't answer any of the calls and none of the callers have left a message. These are most likely robocalls. I block every phone number this company uses and but it must have an unending supply of phone numbers from different states to use. PR is based in Virginia and to the best of my knowledge there are no offices in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: AMERICAN EXPRESS COMPANY
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XX/XX/XXXX I tried twice! and gave Penny Mac mortgage services XXXX, a chance to submit a refinance which is my current home mortgage. They insured me it was an easy process, which it was far from an easy process. I had no alternative but to seek out a local loan company in XX/XX/XXXX to refinance my current home loan which was been a pleasant experience by far. 

The problem arose when it came to signing the original loan documents to complete the refinancing process, the loan documents never arrived to the mobile notary for signatures. Penny Macs explanation was it was an internal error? I had to keep calling the loan officer for updates, Mrs XXXX XXXX kept indicating she was stressed and over worked? 

The original loan officer was XXXX XXXX, then I talked to her supervisor XXXX XXXX, he assured me they would follow through to succeed with the process, Talking to Mr. XXXX was no help either. 

They even tried to assign the refinance to a second loan officer XXXX XXXX after the second failed attempt. 

Additionally, on XX/XX/XXXX I discovered that my property taxes of {$1600.00} for XX/XX/XXXX had not been paid, when I had the money in my escrow account. I had to call Penny Mac & spent an hour trying to investigate what happened? The rep XXXX XXXX @ ext XXXX assured me the matter would be rectified & the penalty imposed by the County of XXXX, Ca for late payment of {$160.00} will be paid by XXXX XXXX. 

In my 30+ years of being a homeowner & being a licensed California XXXX myself, I have never encountered a mortgage business so incompetent, I have refinanced homes in the past with no problems and helped a number of clients go through the refinancing process. I understand fully how the process works. It was stressful & I was patient with this company & they failed miserably. 

Currently I am on the cusp of closing my refinance XXXX XXXX, XXXX ) with another local lender. My complaint is merely to warn consumers about this company and Im amazed they are still in business. Hopefully with this complaint consumers will be made aware of the business practices of Penny Mac so they can avoid the stress that I had to endure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31
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:
I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # XXXX XXXX ; XXXX ; XXXX ; and XXXX. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax continues to use excuses and now advises me : " that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, please contact the lender directly and follow their internal fraud procedures '', which is contrary to FEDERAL LAWS!!! EQUIFAX IS BREAKING THE LAW!!! I have included proper identification in my correspondence to Equifax. Yet, Equifax remains in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions 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:
Please investigate and delete the following disputed account : XXXX Credit Card account 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 2021-12-06
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax ( Gon na Add on the next update )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addcress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation