BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-31
Company: EQUIFAX, INC.
State: PA
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: KS
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:
Dear Consumer Financial Protection Bureau, I am writing to inform you that I have already contacted XXXX, Equifax, and XXXX regarding the charge-off accounts that are persistently appearing on my credit report. According to the 15 USC 1601 of the Fair Credit Reporting Act ( FCRA ), these accounts violate my rights. I kindly request your assistance in ensuring that these accounts are removed from my credit report to rectify the situation. Your attention to this matter is greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: MD
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon analyzing my updates, misleading information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the list of inquiries that are reporting on my Credit Report and needs to be removed : XXXX XXXX XXXX- Inquired on XX/XX/XXXX ;XX/XX/XXXX - Inquired on XX/XX/XXXX ; XXXX XXXX XXXX - Inquired on XX/XX/XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE NAT'L CR MGT Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called Bank of America in regards to my vehicle loan to update my address on record on XX/XX/2022. I spoke to the representative from South Carolina, who stated that I paid of my loan and can cancel the payments. She went on to tell me that the title to the vehicle, payoff letter, and a check for the overpayment. I was not sure if I was hearing her correctly ; so, I asked the representative to speak to my accountant on speakerphone to make sure that we had the same understanding. She continued to tell her that the loan was paid off. My accountant 's son walked in the room and also heard this information. She provided me with a confirmation number for the payoff. I waited for one week to see if I was going to receive this information, but it was not received. I called Bank of America again on XX/XX/2022 to confirm that the information was mailed out. This representative told me that I had a remaining balance on the vehicle loan and was not sure why I was provided this information the previous week. I told him that I was given a confirmation number for the payoff ( which was provided to him ). He did not clearly state if he found anything. I explained to him that I was confused and upset about this misinformation that I was provided. I asked for a letter stating that Bank of America provided wrong information in regards to my loan, which he said might not be possible. He forwarded the call to the team that can expedite this issue. This representative understood that I was very upset about being given false information. He is going to try to forward the information that could possibly help clear things up.

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 2016-02-23
Company: Northwest Trustee Services, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I represent XXXX and XXXX XXXX who own a home located at XXXX & XXXX XXXX XXXX, XXXX, WA. On XXXX/XXXX/XXXX Northwest Trustee Service [ NWTS ] issued a Notice of Trustee 's Sale set for XXXX/XXXX/XXXX. Under state law, the trustee is a duty to act impartially and in good faith to the borrower, beneficiary and grantor. I 've been in communication with NWTS attorney XXXX XXXX regarding whether or not XXXX Bank has the actual note. XXXX XXXX wrote that he had been in communication with XXXX 's attorney on the issue but refuses to identify that attorney. I believe NWTS is acting as both trustee and XXXX 's attorney. I believe that is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 my attorney submitted documents to Homepoint Financial to be reviewed for mortgage assistance regarding the foreclosure on my home. On XX/XX/2018 they called to follow up with the documents and informed by a representative on behalf of Homepoint that the file was in active review. Again on XX/XX/2018 they were advised the file is still in review and once again on XX/XX/2018 they were told the file is still in active review however the sale date for XX/XX/2018 was still active. When they called Homepoint Financial today, they were informed by the representative that the review was closed back on XX/XX/2018 due to 2 items pending. They stated they called me and and sent me a letter which is FALSE. I never once received a phone call from Homepoint or any letters regarding missing documents to this day. I have never received any communication from Homepoint regarding a point of contact assigned to my file and nor has anyone even spoken to one until today. The representative even said the wrong phone number for my attorneys office who they should be calling but did not because of errors their employees made. So now due to the lack of professionalism and lack of attention to detail, my home is being foreclosed on and I am forced to find another option. Homepoint Financial had 3 opportunities to inform my attorney or myself that documents were needed and failed each time and now 24 hours before my sale date they acknowledge their mistakes with no remorse or alternatives to fixing the problem on their end. All of my rights have been violated and not to mention a Notice of Trustee sale was placed WHILE I was in active review according to the 3 representatives who stated it was in review which is a form of dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: U.S. BANCORP
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: Problem with personal statement of dispute

Complaint:
Good morning, I was stunned to see that Flagstar Bank/Elan Financial Service has reported me late for XXXX, XXXX, XXXX & XX/XX/2020 last year even though I had requested due to covid a loss of income to work out an agreement with them. I have never paid late if they reviewed my account they will see I have always been on time with the exception of when I was seeking help in XX/XX/2020. I had spoke with an agent whom enrolled onto the Hardship Program however I was told to make the payment in XXXX which I did as the XXXX Statement was already closed. I had received a call late last week of XXXX and was told I was due I immediately called back and requested a supervisor whom saw my prior conversation however the agent had erred in not providing the correct information so I thought everything was fixed. Every single month since then I have made my payments with no hiccups until I found out when applying for a house loan that they have been reporting me late for XXXX, XXXX, XXXX & XX/XX/2020. If you look at my attached XX/XX/2020 Statement which covered opened date : XXXX thru XXXX you will noticed that it clearly states Past Due : {$0.00} as well as for XX/XX/2020 Statement which covered opened date : XXXX thru XXXX that also reflects Past Due {$0.00}. 

I had called and spoke with several agents and none of them wanted to provide me with the Hardship letter from XXXX I tried to explained thoroughly that if I had defaulted then why were my latter statements reflecting the update but the two prior statements have not been fixed they were very argumentive and basically told me you defaulted the very first month I had advised to them the conversations are recorded pull up my XXXX phone call where the supervisor prior had acknowledged they had screwed up but this supervisor from the hardship program or Elan was very rude and nasty and would not provide to me my legal right of that letter.

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 2017-07-05
Company: SYNCHRONY FINANCIAL
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:
After numerous attempts to resolve inaccurate information being reporting by Synchrony Bank/XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a city furniture account I paid off on XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XXXX 2012. They acted in bad faith and this is a false and criminal reporting.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and my daughter XXXX XXXX has open accounts in my name. The ONLY account I have is with my daughter XXXX with XXXX XXXX. That is the only account I have just recently open. I have never open an credit card account. My daughter address is XXXX XXXX XXXX XXXX, Al XXXX. She has her husband posing as me to open accounts and to lied to open new accounts. I'm XXXX XXXX XXXX and will be XXXX in XXXX so why will I open credit card accounts I never had before. Please help XXXX to resolved this. She has recently changed my information on my credit bureau reports and I can't access my own accounts. I worked all my life and paid taxes. I'm retired. This should be unlawful that someone can open or change an account with showing proper identification.

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 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problems with Mortgage Payments since XX/XX/XXXX My Mortgage payment is spited 2 instalment. One on the XXXX of the month the second on the XXXX. In XX/XX/XXXX I notice that the payment on the XXXX was not withdrawn. I called multiple times and Bank of America representative said that my account was fine that I didn't had any payments pending. In XXXX the same problem happened the XXXX of the the month the payment was not withdraw. At that moment a supervisor told me that Bank Of America did an update to the systems and that it had a glish the bank of America was aware of it And I was not going to be penalize for it. At that moment I requested for them to take the payment at that moment. In XXXX, XXXX and XXXX all my payments are withdraw with no issue. At the beginning of XXXX a I received a call from the collection department of Bank of America stating that my account was pass do. I requested an investigation because of everything that happened and because at this point they have not collected any payment in XXXX when my XXXX XXXX account have the funds for the payments. I been told that I will receive a call back and that never happen. They tell me to call after 24-48 hour and that the problem will be solve and that doesn't happen the last report number that I got is XXXX And today XX/XX/XXXX I was told that I have to wait until XXXX XX/XX/XXXX so they cam fix my account. At this moment I this Bank of America is discriminating against me because I'm 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 monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

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 2021-11-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. The XXXX XXXX XXXX account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove the late payments from this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX Date XXXX. XXXX, XXXX ; 2. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 3. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 5. XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on COMENITY BANKXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: MA
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 Everything has to be 100 % accurate on my credit report. 

The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, the last active date is inaccurate and the last reported date is inaccurate. 
This is ground for removal. They also violated my rights inder 15USC 1681. Section 602 A.

I have the rights to privacy 15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions ACCOUNTS Account name XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Account name XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MA XXXX Account name XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account name XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX, NY 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