BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: Certegy Holdings, LLC
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXXT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/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 2023-11-14
Company: EQUIFAX, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A credit card was opened in my name at XXXX XXXX in XXXX of 2023. I immediately reported this as a fraudulent account to XXXX XXXX, who investigated and found the credit inquiry and the credit account to be fraudulent. The claim number for that investigation is XXXX The findings of that report were then sent to the three credit bureaus on XX/XX/2023. 

On XX/XX/2023, I submitted a dispute with Equifax to have the inquiry and the credit account removed from my credit report. Equifax claimed that they never received any documentation from XXXX XXXX showing that there was an investigation or that the account was found to be fraudulent. 

On XX/XX/2023, I called XXXX XXXX and requested that the investigation report be resent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: AL
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 accounts completely from my Credit Reports : XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance : {$66.00}

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have done several good faith disputes asking for the validity of debts and to review my report and scores however, it continues to be a lower score than I feel that I deserve. It says that " I have too many delinquent accounts ''. I shouldn't have any delinquent accounts, I pay everything onetime and I paid my old car in full. These inconsistencies in the credit scores, dates and information is causing a poor score. I feel it is unfair because lives depend on credit and if I don't pay I encourage a poor score but if I pay everything, on time my score should report that as well as my report. I have attached the report to show my history and then I implore you to ask the bureaus why is my score still showing low 700 's?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a sears credit card in store o n  XX/XX/XXXX . I never received a card. I have a credit monitoring service that alerted me that this account was 90 days past due on  XX/XX/XXXX  and also  XX/XX/XXXX  for the amount of {$66.00}. My credit score dropped from   XXXX  to a little over  XXXX . I called SEARS / CBNA and reported this problem and was told that the account would be closed and investigated for fraud. I filed disputes with  XXXX ,  XXXX  and  XXXX   XXXX . My credit monitoring service is still showing this account to be open. I would like to close this account and have this removed 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 2023-10-14
Company: Experian Information Solutions 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:
There are a few accounts listed on my file that I do not have knowledge of them. There are also list of names and address that is not my name or addresses and never went by those names or lived at those addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX Never late XXXX XXXX XXXX Account number XXXX 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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXXXXXX 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 XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB that Credit Bureau closed my complaint to protect my PRIVACY. I called the 3 bureau after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.

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 2022-10-20
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was 3 months behind and the loan was charged off on my account in XXXX of XXXX. Some lady who worked with the company called me literally everyday from sun up to sun down leaving me quite a few messages. Shortly after that is when I saw they reported a charge off on my credit. I was still in possession of the car for an additional 6 months after. I attempted to make a payment anyway but couldn't and the called to only be given the run around on who I needed to contact. I emailed them telling them where I was located and that they could come get the car. After a few more months go by, the car is no longer sitting outside my house. While of this is going on they were still reporting charge offs on my account. They just reported a charge off again in XXXX of XXXX. I contacted them several times to ask if they could removed it from my report. to my knowledge, if they reported a charge off then that means they received a XXXX and is considered taxable income. That means they are reporting income on my credit report. They were paid for it but they never sent me a XXXX At the time I had just got the car in XXXX of XXXX. I paid in XXXX of XXXX. I lost my job but was finally starting a new one. Again I became 3 months behind and then they charged it off my account immediately. The amount was {$10000.00}. They are trying to prevent me from being able to get another loan or any source of credit and its working. I've been turned down jobs and housing because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was notified of legal action taken against Ally Financial. All XXXX credit bureaus are still reporting this debt on my credit report. All payments were to stop and I thought it should be removed from my credit reports. XXXX is reporting payments made and there has not been. Should this debt be removed from my credit reports?

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 2022-01-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a check that was dated for XX/XX/XXXX in the amount of {$950.00} was deposited into my account the name on the check was XXXX XXXX XXXX XXXX XXXX I did not endorse it my name is nowhere on the check I know nothing about the check I have been trying to call SunTrust going on 2 days now I'm at 4 hours right now and I'm unable to get anyone on the phone

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 monetary relief
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: CA
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 a fraudulent debt that was not originated by me. I feel taken advantage of as this fraudulent account is damaging my credit reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2021-12-09
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have 2 loans w/ Loan CarXXXX XXXX. We were in a Forbearance plan for both, however we continued to make regular payments during the forbearance period. 

Loan Care misapplied or didnt properly credit our payments to the loans. 

Because were afraid of losing one home, & being forced to take a 40 year loan on another, that we only owe {$27000.00} on, were forced to find loans in order to borrow to payoff the loans. 

Loan Care wrote us saying we were in default on one, even though we followed their Modification terms properly & they are forcing us to refi for a unreasonable amount of time, 40 years on the other. 

We have asked for payoff letter verbally, multiple times & went to myloancare.com & requested a payoff. It took us over several weeks, after multiple requests to finally get one & the interest charged on the payoff letter is drastically Overstated. 

Theyre trying to charge us interest for a Full Year, instead of a month/fraction of a month. 

This interest Overcharge is added to our payoff statement & we believe that our Principal is overstated, because our payments were not applied Properly.

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 2023-07-26
Company: Andrews & Cox, P.C.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
They threatened to assert XXXX rights on real property and rights to have the sheriff attempt to collect through the sale of other non exempt items. And the collection agency is XXXX and I live in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
Here are the inquires that are my credit profile that I didn't authorize Bank of America - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/2021 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 2023-06-20
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: Reporting company used your report improperly

Complaint:
The Privacy Act of 1974 prohibits the federal government from disclosing any personally identifiable information about me without my consent. My transaction history is clearly personally identifiable information. It includes my name, address, phone number, and the dates and amounts of my purchases.

The CCPA gives me the right to request that businesses delete my personal information. My transaction history is clearly my personal information. It is also information that I have not given my consent to be shared.

The GLBA prohibits financial institutions from sharing nonpublic personal information with third parties without my consent. My transaction history is clearly nonpublic personal information. It is also information that I have not given my consent to be shared.

The FCRA gives me the right to dispute inaccurate information on my credit report. My transaction history is not accurate. It includes purchases that I did not make.

15 USC 1681 prohibits consumer reporting agencies from reporting information that is not accurate, timely, or relevant to a consumer 's creditworthiness. My transaction history is not accurate, timely, or relevant to my creditworthiness.

16 CFR 433.1, 433.2 and 433.3 require consumer reporting agencies to follow specific procedures when investigating and responding to consumer complaints. I have already submitted a complaint to each of the three major credit bureaus, but I have not received a satisfactory response. 

I respectfully request that you remove my transaction history from my consumer report immediately. If you do not comply with my request.

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 2021-01-30
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:
so I was a victim of identity theft and had multiple issues because of that and one was a bankruptcy so i disputed with Experian and they verified it after investigation and said the source was XXXX XXXX. So i went to XXXX XXXX disputed and they deleted the inaccurate bankruptcy and said i would have to contact the bureaus myself so i did and it was removed from the other bureaus as they did an actual investigation and then Experian said it was verified and said the source of the Information was lexis nexis and so I contacted XXXX XXXX and they said they did not verify anything from Experian and they again confirmed that the bankruptcy was deleted so this is really messed up they are openly lying to me and this the letter i want to send them on my behalf but when i call they keep lying they violatied fcra and did not do a throughoh investigation i have documentation to prove it and i have written documentation from XXXX stating it was deleted and like i said the other bureaus deleted this. I am very upset I feel very misled and I am going to be filing a complaint with the XXXX and cfpb because you violated the FCRA and did conduct a proper investigation actually you did not do any investigation and you misrepresented and I now have undeniable evidence that you are giving false investigation results because I have In writing from your source of the info thats inaccurately reporting on my report and I know you did not do what you were supposed to and you denied me my legal right to dispute this information I am not happy I simply just want this removed from my information ASAP. I want this expedited because your negligence in the last investigation was nonexistent thank you

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