BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax refuses to provide paper documents to prove that the United States Bankruptcy Court for the XXXX XXXX of NC is reporting bankruptcy number XXXX is indeed being reported to Equifax. This involves a dismissed chapter XXXX bankruptcy. I have noted to Equifax that I have spoken with the Clerk of the Bankruptcy Court and they are no reporting this bankruptcy any longer, however Equifax refuses to remove it. XXXX and XXXX have removed the bankruptcy and are no longer reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: NJ
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:
There are several fraudulent names and addresses on my credit report. I sent letters to XXXX, Equifax, and XXXX to remove the fraudulent information in order to prevent identity theft however they have not responded. 

My credit report should accurately reflect who I am and having multiple names and addresses on my credit report is a form of identity theft seeing as how I never gave written permission for any names or addresses that are not mine to be on my report I have attached a copy of my identification which contains my only name and address. I can not have more than one address or name as I am only one person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
Credit acceptance I got a vehicle from XXXX XXXX I was only allowed to get this one vehicle I had a car through them and it got totaled gap insurance said I had to go through XXXX XXXX If I wanted to get a car not sure how true that is I was desperate needed a car so I got the XXXX I had to put a lot down on it then they send me a letter saying I have to pay the XXXX that they couldnt get from gap insurance I told them I wasnt paying it its already been 4 months so they said they would take me to court for the money I told credit acceptance to come get the vehicle it was broke down and I was able to drive it for a couple months after I got it they just came and got it after me telling them 7 months ago to come get it they sent me a letter saying they took it to auction I said how much will I have to pay she said we didnt take it do you want the car back I said if I wanted the car I would of kept it she said well do you know someone who wants to take over the payments no maam I dont she said well you have to pay us XXXX what why do I have to pay that and you guys sold me a lemon she said take that up with XXXX XXXX we just did the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and I as a consumer came to an agreement and account was paid and closed by me. Was told that account will be removed and it has not been 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 2015-07-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
CONTACTED EQUIFAX FOR INQUIRY REMOVAL. ADVISED I WOULD NEED TO CONTACT CREDITORS DIRECTLY. DID SO CREDITORS NEVER RESPONDED NOR PROVIDED PROOF OF INQUIRIES. I WOULD LIKE THE FRAUDULENT INQUIRIES REMOVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
have been a victim of identify theft. They had my social, birth date and a drivers license in my name. 
First on XX/XX/2018 a person mid thirties walked into Umpqua Bank - XXXX, Ca branch and pulled a loan for a total {$10000.00}. The Manager said they were very high tech and the ID scanned and they setup a phone number earlier that worked when they called it to setup up the account. The also had a address in XXXX that they used. The person said he was at a funeral in California and needed the cash. And the manager approved the 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 explanation
Consumer complaint received 2021-07-18
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For quite some time I've been disputing my credit reports with all 3 agencies. They are reporting information that is inaccurate and there are inconsistencies across all three credit bureaus. You will notice in the attached credit report dated XXXX it shows especially for Experian & XXXX that an account named XXXX is reporting as a write off and a balance due. It is satisfied and paid as a settlement in full. I've attached a copy of the precipe from the XXXX County Court dated XXXX. Only XXXX XXXX has updated correctly and is showing it as paid. Furthermore all negative accounts are showing inconsistent balances, last payment received is inconsistent, and balances are fluctuating across all three credit bureaus. I've witnessed all 3 credit bureaus saying that they have verified these accounts and the plain and simple fact is they haven't and this has been an ongoing issue to my credit file over the past several years. There are consumers currently in bankruptcy that are reporting better fico scores than what I'm receiving from Experian and XXXX it's frustrating and I don't have a public record! Please review the information I have attached. Please update or more importantly please delete the incorrect information as it meets the FCRA to delete. Attached you will find a letter from XXXX on XXXX but the same exact letter I received on XXXX stating they believe my dispute to be from a credit repair company and consider it to be frivolous. This has to stop. I sent them letters on my own to dispute and update/delete as required. This will be my last attempt prior to seeking outside counsel to review all of the inconsistencies and violations for the FCRA that has been violated in my name. I look forward to these companies doing the right thing. My social security number is being wrongly discriminated against due to the inaccurate information that is contained in these credit bureaus.

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 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: NY
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 AM A VICTIM OF IDENTITY THEFT HAVE SUBMITTED A POLICE REPORT, ALONG WITH MY ID, THE FCRA 605B REPORT, ADDRESS ID, CIRCLING THE FRAUDULENT ITEMS ON MY CREDIT REPORT ALONG WITH THE LATES CAUSED BY THOSE FRAUDULENT ITEMS, AND THE INQUIRIES ON MY REPORT THAT ARE FRAUDULENT TO BOTH XXXX AND EXPERIAN CREDIT BUREAUS ABOUT 5 TO 6 TIMES AND BOTH CREDIT BUREAUS REFUSED TO REMOVE CIRCLED ITEMS THAT ARE FRAUDULENT AS THE FCRA 605B STATES HAS TO BE REMOVED IN 4 BUSINESS DAYS BY LAW. FURTHERMORE AS I SAID I SENT THEM ALL ITEMS NEEDED INCLUDING MY CREDIT REPORT AND ABOVE ITEMS AS DIRECTED BY THE BUREAUS AND THEN SEND BACK FRIVIOUSLY LETTERS THAT THEY NEED MY ID AND SOCIAL SECURITY CARD ( COPY ) AGAIN WHEN I SENT IT THE FIRST TIME AND EVERY TIME. THEY HAVE COST ME CREDIT AND LOANS BY THERE INTENTIONAL DELAYS AND I AM GOING TO RETAIN A LAWYER AND SUE THEM IMMEDIATELY IF MY CREDIT REPORT ISNT CORRECTED NOW ...

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 2021-03-25
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to secure an IRRRL refi with Penfed ( Pentagon Federal ) and they just strung me along. Instead of telling me from the outset that they didn't do refi 's under {$100000.00}, they made a fool of me. I don't think they want to make 30 year mortgage loans to XXXX veterans who are older. I'm XXXX and I feel I was discriminated against. I've been working on this for a month and a half and I even got a replacement Social Security card to satisfy them. I received a denial in the mail, yesterday. You can't contact these people by phone. The loan # XXXX and my Penfed # XXXX. The loan officer who never returned my calls is : XXXX. The COO who never returned my e-mail is : XXXX The EVP/President Mortgage is : XXXX I also plan to file a complaint with the Texas State 's Attorney over age discrimination against a XXXX veteran.

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 2021-07-18
Company: Experian Information Solutions Inc.
State: NV
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 am a victim of identity theft and I have not applied for these accounts and inquires that are listed on this identity theft report. Please delete all this information from my credit 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 2020-01-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/XXXX of 2019 The Bank put a decline on my account. This was an late payment issue and the bank recognized this on their end because they closed the account then kept it closed when I disputed the issue with a clerk over the phone. They sent me a letter saying their willing to reopen the account but it never removed inquiry revolving in the same issue. It just popped up in the two other bureaus and has greatly lowered my score.

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 2020-08-21
Company: EQUIFAX, INC.
State: MO
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:
THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS XXXX   2020, XXXX 2020, XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account status incorrect

Complaint:
I had a mortgage with XXXX XXXX XXXX and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX  prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to Pennymac Loan Services sometime in XX/XX/XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that XXXX XXXX XXXX is still listed as closed on one credit report and has been removed from the other report. Pennymac is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS -XXXX 2020, XXXX 2020, XX/XX/2020 2020

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 2018-05-11
Company: Benjamin Chaise & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I don't recognize this debt. I had received multiple phone calls and letters last year from Benjamin Chaise & Associates regarding this file. I sent recommended CFPB letter to this debt collector in XXXX XXXX, California on XX/XX/XXXX asking for more information via certified USPS mail which was received XX/XX/XXXX at XXXX. Specifically requested NO more phone calls only contact via certified mail. No contact since then. Just received a call and voicemail now from a number with NO CALLER ID the person identifying themselves as XXXX XXXX from Benjamin Chaise and Associates. I have recorded it and attached below. Not very happy about this I am seriously considering retaining a lawyer for legal counsel and suing them for harassment.

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 2019-03-01
Company: Fidelity National Information Services, Inc. (FNIS)
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 requested a XXXX file on ne and I found a name tgat has never been mine and an address. 

I calleds XXXX  to correct these errors but no resolution.

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 2015-12-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They will not even talk to me because there is stuff on my report that i can not answer The person even admitted they do not check the stuff they put on my report how can i fix this if i can not despite it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CITIBANK, N.A.
State: CA
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:
In XX/XX/XXXX Macy 's Credit but a late payment of my credit for a {$5.00} payment. 

It is now XX/XX/XXXX why is the late payment still reporting. 

I have begged Macy 's to remove this insane 7 year sentence over {$5.00} and they have refused. 

I have never been late prior to the incident or after. 

I have 100 % payment history until XXXX with Macy 's. 

Macy 's should be ashamed of its practices and its also my life 's mission to change the laws concerning how credit matters are reported. 

I am requesting to REMOVE THE LATE PAYMENT IT IS LONG PAST THE 7 YEAR SCARLET LETTER MARK.

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 2018-08-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding an account established in XX/XX/2014, which you claim I owe {$1100.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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