BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-05-24
Company: EQUIFAX, INC.
State: GA
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 see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now in the month of XX/XX/XXXX, still nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: PNC Bank N.A.
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:
PNC bank flagged my loan account saying that I was a120 day late on my account. My credit was XXXX and it dropped 69 points because of this. Now I pay all my bills on time. On XX/XX/20 I paid {$45.00}. 0n XX/XX/20 I paid {$250.00}. On XX/XX/20 I paid $ XXXX.0n XX/XX/20 I talked to a sales representative and she {$200.00} out of my account and then reversed the payment and the same thing happened on XX/XX/20 a payment for XXXX and reversed that one to and the payment that went through was never a 120 day late but PNC flagged my credit score twice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2021-04-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a complaint a month ago regarding this credit card since I though it was part of a previous bankruptcy. I contacted the agency and arrange the payment and paid it off. I need this credit card to be removed from all my credit reports since I have fully paid the debt after talking to the debt collector, we settle for an amount. I have included the letter from the debt collector and the funds that left my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: ENOVA INTERNATIONAL, INC.
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently became aware of 2 payday loans that were opened using my personal information in 2017. I am a victim of identity theft, and I did not apply for these payday loan. One of the loans was paid off ( presumably by the fraudster, I am thinking it was auto-drawn from the checking account they were using ), but the other loan was never paid and got sent to a collections agency. CashNet USA is now attempting to collect this debt from me, despite my numerous attempts to resolve the issue. I have called and emailed, but I never get a call back from the department working on my case. I was told my claim was denied because I am a " return customer '' ( I assume they are referring to the other fraudulent payday loan that was taken out in my name ) and that the checking account the fraudulent loan was deposited into was a XXXX account with my name on it. I have checked with XXXX several times, spoken with my personal banker as well as multiple customer support supervisors, all of whom have confirmed that the account the loan was deposited into does not have my name on it. They can not provide me written proof of this, because this account does belong to someone and XXXX has a responsibility to not release their information. I am not sure where CashNet USA is getting the information that this is my checking account, but every time I attempt to contact them for more information, I am told it will just be passed along to the department handling the claim. I have emailed this department directly and not received any contact back. I have sent them my police report and all of the supporting documents I have to prove that this was fraud. I have spent hours and hours working on proving that I am not the one that applied for this payday loan, but CashNet USA continues to attempt to collect this debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in 2016 these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.

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 2020-07-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently, my mortgage had to be reinstated following the threat of foreclosure. To reinstate the loan, I was required to pay {$20000.00}. I have since discovered that monthly mortgage payments I made XX/XX/2020 and XX/XX/2020 were never applied as payments on my loan. For some reason, the checks were held in suspense and I was told recently by the call center agent when I telephoned that Carrington applied these payments to the insurance account that has been established by XXXX  XXXX  for damage to my home by Hurricane Dorian. Check # XXXX was remitted XX/XX/2020 and not presented by Carrington Mortgage to the bank for payment until XX/XX/2020. ( 103 days for processing?! ) Check # XXXX was remitted XX/XX/2020 and not presented by Carrington Mortgage to the bank for payment until XX/XX/2020 ( 59 days for processing ). After all that time, the payments were not applied correctly! Im sure many of the late fees on my account were applied during the time of delayed processing. These checks were written from a company account : XXXX XXXX XXXX XXXX, with the loan number clearly written in the memo line. The checks were mailed with the Carrington Monthly Mortgage Statement. Obviously, whoever processed the checks didnt know what they were doing and therefore put them in an insurance account in suspense. Did that person consider contacting me, the borrower, if they had a question? Have these payments been withheld intentionally with the view to charge late fees, attorneys fees, and other unknown fees? Did Carrington want to force foreclosure? With the payments misapplied, the loan went into foreclosure. Two checks that were made for subsequent payments to bring the loan current through XX/XX/2020 ( {$4200.00} ) and again through XX/XX/2020 ( {$1800.00} ) were returned to me uncashed citing that the loan was in foreclosure. I made each payment using the Monthly Mortgage Statement, even though I knew they were most likely incorrect. I have been charged fees that should not have been charged. Additionally, I have been harassed by lawyers, and no doubt have had my credit affected by the mismanagement of all these remittances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
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: Account status incorrect

Complaint:
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a XXXX XXXX loan or refinance my home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: AMERICAN EXPRESS COMPANY
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:
I was an employee of the non-profit organization, the XXXX XXXX for XXXX XXXX ( XXXX ) from XXXX. I was laid off XX/XX/XXXX, but the company retained me as a consultant on an as needed basis. I surrendered my bank cards, credit cards, checkbooks, keys, and all other company property at this time. I notified the banks and credit card companies of my departure and gave the names of the current officers of the Board of Directors for them to speak to. I also tried to get the company to take all the accounts, including the corporate AMEX card, out of my name and into a name of one of the officers, per the bylaws and also since I was not an employee any longer. The Board refused to take the card out of my name. I have this documented in email correspondence. Since then, I have learned that the AMEX account was charged off. 

In XXXX, XXXX hired an attorney, XXXX XXXX, to manage its debts, which included the AMEX company card. We verified with AMEX that I never signed a personal liability form, and the card has always been used for company purchases. I have an email thread where he has reached out to a representative at AMEX multiple times verifying that the card was a company account and that the organization does not hold me personally responsible for the debt on it. 

The Board Treasurer and Accountant approved and reviewed all purchases, which were reported at the Board meetings, so there is documentation that the purchases have always been for the company. 

I just discovered that the XXXX AMEX card has since been charged off and reported on my credit score that I am responsible for the $ XXXX amount that was used for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CORELOGIC INC
State: CA
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:
The following was previously sent to CFPB : Upon conducting a personal credit reporting review, I noticed that a company named CREDCO   conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. No consumer notification was submitted and this negligent act resulted in the personal credit damage. CREDCO  conducted unauthorized credit check for the following dates : XX/XX/2020, XX/XX/2020, and XXXX XX/XX/2020. 

The company responded with a spurious information regarding Identity Theft. The company should not provide credit reporting to a third party without consent and knowledge from the consumer. This company does not honor passing the personal information to a company and now the consumer is subject to a data breach of Personal Identifying Information. This is comsidered an Identity theft initiated by CREDCO. 

The following attachment is the letter sent my the company with pretentious information that does not address the issue and counter the information by holding the consumer responsible for actions they have so carelessly performed. I am requesting for a formal investigation and will also submit a formal complaint to the California State Attorney General to data breach investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: CA
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:
All of the accounts, names, etc. I do not recognize. Please have them deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: OH
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:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 2022-09-30
Company: Experian Information Solutions Inc.
State: CO
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 US Dept of EducXXXX Account # XXXX, and US Dept of Educ/XXXX Account 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.

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 2023-06-20
Company: EQUIFAX, INC.
State: NV
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
EQUIFAX DROPPED BY SCORE BY XXXX POINTS impacting my agility to qualify for loans. My total debt actuallywent down, not late payments, no justificaiton for this drop. 
Balance Increased XXXX XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX XXXX credit card balance increased by {$7.00} from {$0.00} to {$7.00}. 

You're doing a great job! Even though your balance went up a bit, you're still using less than 10 % of your available credit, which makes your Credit Card Utilization rate Excellent. 
Balance Decreased XXXX XXXX XXXX account balance decreased Between XXXX XXXX XXXX  and XX/XX/2023, your XXXX XXXX XXXXK credit card balance decreased by {$45.00} from {$2100.00} to {$2000.00}. 

Nice work lowering your balance! Even though you're still using over 30 % of your card 's credit limit, you're on the right track. If possible, keep working toward getting your Credit Card Utilization rate to below 30 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
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 information incorrect

Complaint:
There are too many hard inquiries on my credit report. I have been shopping around for a mortgage. I verified we have 45 days to shop around from the first inquiry that we make and it wont affect our score however each time I shopped around in the same day I had four hard inquiries added to my report. This was just on XX/XX/XXXX. I also noticed two years ago XX/XX/XXXX we were looking for financing for an auto loan and there are three hard inquiries on the same day in XX/XX/XXXX when we were shopping for financing for the auto loan. This should not be happening these are clearly errors can this please be corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: MI
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 contacted Equifax XXXX XXXX to dispute items from my credit report. 

XXXX XXXX XXXX for the amount of {$2300.00} which is not my account! The Bureau havent sent me documents proving that this is my debt but sent me update saying that this item will be deleted. As of XX/XX/2022 the account is still on my file TWICE XXXX XXXX XXXX for the amount of {$8300.00} also account thats not mine! Equifax refuse to remove this account from my credit file XXXX XXXX & XXXX for the balance of {$5400.00} is inaccurate on my file also! Its reporting twice which brought my score down to XXXX

Company response to consumer: Closed with explanation