BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-04
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a credit card on my XXXX XXXX and XXXX  credit reports from SYNCB/XXXX. I believe this is a paypal credit card however I do not have a PayPal credit card so this does not belong to me and it is showing a balance. 

The account says it was opened in 2015 but XXXX hadnt noticed it until now, the report balance on the card is XXXX. I dont want this account open in my name or to be associated with the balance, it is not mine.

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 2020-01-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have an account with Experian for credit monitoring due to a past data breach. 

I also have my credit report Frozen with all three bureaus. 

Experian 's website for credit monitoring is highly misleading in that it indicates that my credit report is " unlocked '' - as if someone could access my frozen credit report. 

They are apparently showing this in an effort to scare their customers into using their unlock/lock credit service instead of managing access via a Freeze. 

Since my report is frozen, this indication of some type of access 'risk ' indicated on their website is misleading and false. 

Realizing that credit monitoring systems rely on their customer 's fears of fraud, it seems excessive that they would try to further scare their customers with a nonexistent risk. 

What can be done to get them to stop misleading their customers in this manner?

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 2023-10-15
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and when I last came back I checked my credit reports and saw these unauthorized fraudulent accounts on my credit. XXXX XXXX XXXX XXXX  CREDIT CARD I NEVER OPENED XXXX ) XXXX XXXX XXXX I NEVER OPENED XXXX ) XXXX XXXX CREDIT CARD I NEVER OPENED, this is a fraudulent account. XXXX ) XXXX XXXX ACCOUNT I NEVER OPENED OR HAVE A CONTRACT WITH. please remove these unauthorized fraudulent accounts from my 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 2022-01-25
Company: MARINER FINANCE, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is an additional a new issue with Mariner Finance! I already filed one complaint about them not working with me after I had to have emergency XXXX XXXX costing me {$5000.00} in XX/XX/XXXX and so had to give them a promise to pay as they immediately sent me a letter threatening to sue me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has never been late before and living on XXXX modest income!!! 

Today after my car payment and {$650.00} payment on my surgery came out I did not have enough left to pay the {$800.00} I had told them I would try to pay, so I went online to try to set up a payment for my next payday XX/XX/XXXX and it would not allow me to set it up and told me to call the office if I could not pay the full {$1200.00} that is behind today so not even allowing me to pay the {$800.00} they lied to you and said they would accept on my last complaint!!! 

I then called the XXXX IL office and the call went directly to voicemail do I left a message telling them all and asked them to return my call. No one called back and the last time I left a message in XX/XX/XXXX on the voicemail they denied receiving it. I then called again a few hours later and talked to the manager and she claimed there was nothing she could do and that that was a 15 day notice that they sent me before and I know this right? So basically after asking her if they could wait until I get my W2 from the State of IL and file my taxes or until my next check that I can use mid XXXX all she did was threaten to sue me and bully me and claim to add note to account!!! I am tired of them bullying and harassing me and not allowing me to pay later and work with me!!! Please contact them and enforce the laws!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
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: Account status incorrect

Complaint:
My account late status is incorrect. The account initially listed 60 days late & Closed XXXX XXXX prior to my XX/XX/XXXX dispute. After the dispute it now reports 90 days late. 
This is being reported incorrectly. The status should be only 30 days late. 


XXXX XXXX not reporting status and paid and closed. Home sold XX/XX/XXXX. 
I would like to be contacted at XXXX. 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
Consumer complaint received 2020-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received my new card for my child support and activated my card. I attempted to create an online account at www.bankofamerica.com/azdesEPC as instructed on the back of the card and with the paperwork that came with the card, but the site has been decommissioned. I called customer service at the number on the back of the card, and after a long hold I was told there was nothing that could be done. I just want online access to my account so I can know how much money is in it and transfer funds without having to pay an additional fee.

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 2021-11-29
Company: Early Warning Services, LLC
State: FL
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:
You continue to ask me for information regarding this account when the law states that YOUR COMPANY must share documentation with me verifying the reporting of this account. Anyone or any company could put anything they desire on my consumer reports. Without proper verification, I can be responsible. 

According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You must provide me ANY original documentation ( a consumer contract with my signature on it ) as required. You have violated this law. ( {$1000.00} fine ) According to the FCRA Section 611 ( a ) ( 7 ), Furthermore you have failed to provide the method of verification as required. Your company has violated this law. ( {$1000.00} fine ).

Since you have not properly and lawfully verified this account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Your company has had several lawsuits filed against you for lack of proper verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: TX
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 1681XXXX XXXX Account # 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. 
Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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 information incorrect

Complaint:
THE CREDIT BUREAUS ARE REPORTING INCORRECT INFORMATION THAT IS RUINING MY REPUTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX ( XXXX and XXXX ) and XXXX ( Experion ) I temporarily " lifted '' or " thawed '' my credit freezes. The freeze was to go into effect just for today, XX/XX/XXXX so I could apply for a new cable/internet service. I received notifications this had been done. When my credit was pulled by XXXX XXXX today, I was informed my credit was frozen and had to cancel my sign-up. I went online and verified that all the accounts had temporary lifts of the freeze. 
I suspect, but can not verify, that Experion was the problem. This is because it took me hours to remove the freeze with them and minutes with XXXX and XXXX. I recognize it could be the others or even XXXX that has the issue.

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 2022-01-25
Company: Experian Information Solutions Inc.
State: GA
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2018-01-15
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:
In my Equifax Credit Report, under hard inquiries, they list XXXX XXXX as having made a hard inquiry. Under national credit cards.I did not authorize this hard inquiry, and suspect it may indicate fraudulent usage. They list it as having taken place on XXXX XXXX, 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir/Madam, I am writing to address a concerning issue regarding inaccuracies in my credit report, as documented in my report dated XX/XX/2023. Several items were initially deleted, providing relief and resulting in a credit score of XXXX. Regrettably, upon re-evaluating my credit report on XX/XX/2023, I discovered the re-inclusion of XXXX XXXX # XXXX and the persistent presence of XXXX, fraudulently affecting my credit score, which dropped by XXXX points to XXXX. 

The following items were initially deleted : XXXX. XXXX XXXXXXXX # XXXX ( Unauthorized ) XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX 's XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Despite the previous removal, the re-appearance of XXXX XXXX # XXXX is deeply concerning and suggests a lapse in data integrity. Moreover, the ongoing inclusion of XXXX # XXXX, despite my previous dispute and the evidence of identity theft provided in the attached data breach notification from XXXX XXXX is distressing. 

I have attached documentation, including the data breach notification from XXXX, which identifies me as a victim of identity theft ( FTC # XXXX ). Given this evidence, I kindly request the immediate removal, block, and deletion of the aforementioned items from my credit report. 

I understand the gravity of identity theft-related matters and will not hesitate to escalate this issue by filing another complaint with the Consumer Financial Protection Bureau ( CFPB ) if necessary. I trust that you will promptly investigate and rectify these discrepancies in accordance with the Fair Credit Reporting Act. 

* Please delete, remove and block these creditors and inquiries. 

Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this issue expediently. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: TX
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. XXXX Account # 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. 
Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX Account Number 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 2022-01-25
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have noticed a collection account on my credit report that is not accurate and does not belong to me. I have reached out to the collection agency to provide validation of debt. They have provided me with a copy of final credit card statement in what appears to be my name but the debt is not mine. I've asked for a signed contract or any other validating documents that proves that this is my debt, but the company has not furnished these items and continues to report this item on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-01-04
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: Personal information incorrect

Complaint:
I HAVE SPOKEN NUMOROUS TIMES WITH EXPERIAN ABOUT THE ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX BEING INCORRECT AND THE SIX ACCOUNTS REPORTING THIS ADDRESS. I HAVE NEVER LIVED AT THIS ADDRESS NOR ANYWHERE NEAR IT. WHEN I MOVED FROM XXXX TO XXXX I PURCHASED MY HOME LOCATED AT XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. THIS INFORMATION HAS BEEN REPORTING ON MY CREDIT REPORT FOR SOME TIME NOW AND ALTHOUGH THEY HAVE BEEN TOLD THIS THEY REFUSE TO REMOVE THE ADDRESS NAD THE CREDITOR ACCOUNTS ATTACHED TO IT. THEY SAY THEY CAN NOT REMOVE IT. MIND YOU BOTH XXXX AND XXXX HAVE REMOVED THIS ADDRESS AS THEY HAVE FOUND IT TO BE FRAUDULANT. I HAVE EVEN FILED A REPORT WITH THE FEDERAL TRADE COMMISSION ABOUT THIS ADDRESS AND EXPERIAN WAS ALSO GIVEN THAT REPORT NUMBER TO CONFIRM MY REPORT FILED YET THEY CONTINUE TO REPORT FRADULANT 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 non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am going to state very clearly exactly what happened. I hired a realtor when I understood I would lose my home and equity in the foreclosure. My agent worked hard and we found a buyer. We called Quicken loans and got them on board with the sale of the home. They agreed to it and were kept apprised through addendum 's and other legal binding documents including the appraisal that was financed by my buyer that the sale was moving forward. The buyers lender wanted some small repairs done but agreed to the loan however needed an additional week as they were going to send the appraiser back out to make sure the repairs were done. I payed for the minor repairs myself out of pocket, living off small amounts of income through self employment and survivor benefits for myself and XXXX  small children. With my husband passing a year and a half ago had left us in financial straits. The escrow officer as the loan was already with the title company and transfer payoffs were going forward had called on my behalf as well as my agent calling and sending addendums on the XX/XX/XXXX to request/inform Quicken Loans Account Resolution Team that it would be one week before closing and signing. I was selling my home for above and beyond what I owed my lender and had another home ready to purchase with another party worked out using the monies left. My mortgage company QuickNLoans told the Escrow Officer that they had pulled my home from Auction that XX/XX/XXXX date. Fifteen minutes later it was Auctioned. I have spoken to Qucken Loans as has my agent to resolve the issue. In my state the trustee has ten days to reverse the sale. I am being left homeless and penny less.

Company response to consumer: Closed with explanation