BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NY
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : I called XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( XXXX ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Ability Recovery Services, LLC
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:
XXXX  has been non-compliant with removing the unverified account ABILITY RECOVERY SER XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2017-08-12
Company: FIRST HORIZON BANK
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: Account status incorrect

Complaint:
First Tennessee Bank reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off First Tennessee refuse to recognize their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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:
XXXX consumer refusal to remove loan or take decision responsibility for despite AGO judgement order with conflicting and false statements with each inquiry or complaint for removal assistance. 

Please see official statement and documentation send to the AGO.

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 2019-01-11
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Mr.Cooper has felled to report XXXX, XX/XX/XXXX MORTGAGE payments to all 3 credit bureau's.they have lied since XX/XX/XXXX since I've contacted them.they keep lying on the bankruptcy court order.reaffirmation was finally completed in XX/XX/XXXX, XXXX.cased closed in XX/XX/XXXX, XXXX.MORTGAGE payment for XX/XX/XXXX paid in full in XXXX XXXX.still CURRENT as of now.Mr.Cooper is blocking me from refinancing my MORTGAGE.Mr.Cooper is holding my mortgage in hostage.I have rights to refinance my mortgage.they are lyers and try to keep my mortgage with Mr.Cooper.this agency needs to get INVOLVED ASAP so I can refinance and get away from these crooks.they were supposed to sign the reaffirmation in XXXX of XXXX, XXXX and played with my attorney 's as if they never received my reaffirmation document's.they had them all along.they need to be SUED as soon as the government. Shut down is lifted!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, Chase Credit card company charged the account ending XXXX in the amount of {$25.00} for a late fee. We have sent payment via US postal mail and credit card company claimed that they never received the payment. 

We have been with this company for 30 plus years and we explained to them that somehow, the US postal did not deliver the mail or the US postal delivered the mail and was lost within the credit card company.

I explained to the Chase Credit Card Representative that we pay on time every month and we would like a credit of {$20.00} back to our account and also any interests that were charged to the account. The Chase Credit Card company refuses to credit our account. 

A minimum payment was sent electronically within the website of Chase on XX/XX/2020, as soon as we found out the problem. 

However, it appears that our payment history paying off the balance every month does not matter to this company. 

We would like to dispute this charge the fact that they either lost the payment or US postal did not somehow deliver the payment. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06
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: Account status incorrect

Complaint:
Despite the multiple previous written requests in Equifax Credit Bureau, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the accounts that need to update or remove from my report immediately. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX  XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX XXXX card used to be with XXXX  XXXX XXXX. Comenity Bank apparently bought my card and XXXX XXXX XXXX transferred my information to them. I never received a new credit card. I never received new statements until now. Comenity cancelled my AutoPay and caused my account to fall into delinquency. Comenity has charged me hundreds of interest and late fees. This is not right. I have paid my principal balance now that I managed to register for an online account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24
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: Information belongs to someone else

Complaint:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: CO
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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2021-07-08
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: Investigation took more than 30 days

Complaint:
I have requested to have the credit bureaus remove fraudulent/inaccurate information from my credit report. I sent all bureaus letters stating that the accounts listed did not belong to me in XXXX, I also sent a follow up letter requesting them to update my report with accurate information and to respond back to my request.It has been past 30 days and I still don't have an resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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:
On XX/XX/XXXX I checked his credit thru a credit monitoring service and discovered several accounts dating back to XXXX had been open in my name without my authorization. A personal credit card accounts had charges to it that I never authorized. Other Unauthorized accounts includes loans and mobile phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name LVNV Funding .... 

I never had an account with LVNV, I don't owe this debt. The lawsuit says I owed a company called XXXX, I never had an account with XXXX either. 

Maybe this is for someone else, and they got me mixed up. 

I don't owe this debt. I want this lawsuit dropped and my name cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX, I sent my dispute letters regarding inaccurate and false items on my credit report. However, I didn't receive any investigation taking place nor notification of it's results. Also, the investigation did not fix any of the occurring issues on my report. I feel like I'm being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to Nissan that was a Request to Validate Debt on my credit report. I did not receive a response. On the envelope that I sent and in my letter was my address. Nissan claims to have sent me a response back but I never received it. I then filed a complaint against them and now they all of a sudden they have a letter to me. Where is the proof that it was mailed? And they didn't send it to the address I listed on the requested certified letter. I have not lived at that address they sent it to supposedly in 1.5 years. See my letter and proof of mailing attached and then see there information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
They are reporting wrong personal info such as my name and address

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 2020-10-13
Company: Experian Information Solutions Inc.
State: NV
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 subscribe to Experian XXXX credit monitoring service and pay approximately {$25.00} per month for this service. 

Part of this service allows for subscribers to see information in order to see if a dispute is warranted. Part of the information available is soft inquiries on one 's credit reports. One can view the inquiries along with other data and decide whether or not a dispute is called for. I generally view these soft inquiries and then find no need for a dispute. I feel soft inquiries are important data that one should have access to. 

Lately, though, Experian refuses me access to the initial dispute process to see these soft inquiries. For the past month they claim there's a " technical error ''. This is a lie. They have removed my ability to use the entire service that I pay for. They refuse to explain why and only lie about a system error.

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 2018-11-16
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

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 2018-11-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a cash back check that I received from XXXX XXXX XXXX for the amount of XXXX that expired XX/XX/2018, I took it to XXXX XXXX XXXX  to redeem it and the store said we can not redeem it but you have to call the number on your card for them to reissue the check. 
I called the Credit card company but they refused to reissue the cash back check.

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 2020-07-07
Company: EQUIFAX, INC.
State: TX
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:
Ive contacted Equifax several times, the last date Ive contacted Equifax were on XXXX XXXX. I requested to have Equifax report my information. The rep stated they were. I informed her they wasnt. Please contact them in regards to reporting my information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper mortgage company withdrew 2 unauthorized payments from my account overnight ( XX/XX/2021 ) each in the amount of {$2400.00}. I am not signed up for auto-pay. I did not authorize these payments. My payment was not due. I am not late on payments. They are not answering calls even though their call center is open. My bank is overwhelmed and I can not get through to them. Per social media, MANY other customers with Mr. Cooper are having the exact same problem this morning. My checking account is now overdrawn by $ XXXX and I have no access to MY MONEY that they STOLE from my account.

Company response to consumer: Closed with explanation