BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: OneMain Finance Corporation
State: CO
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:
The company isn't reporting the correct balance owed after receiving payments from my wage garnishment.I made multiple payments since XX/XX/2023 that are coming out of my check every month. My wages are being garnished the payments received are not being reported to the credit bureaus. Not showing the new balance owed on this account.I am trying to move and having a hard time showing this company is being paid because they haven't updated how much is owed to the credit bureaus. It's showing I still owe an old balance of {$3100.00} when I paid {$700.00} that brings the balance down to {$2400.00}. I reached out to the company by email he hasn't responded to my email requesting them to update my credit report. I have to prove this debt is being paid and the amount that is left on this account so I can get a place to move into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
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/2019 I have received an email regarding a new credit inquiry under my name for a XXXX XXXX XXXX card/service. 

I have immediately contacted XXXX to dispute the inquiry and they directed me to contact Equifax to dispute it. 
I have contacted Equifax and they requested that I send them a letter with information to verify my identity and request to dispute the inquiry. I have mailed the letter and all the information to them on the same day. 

Since I haven't heard back form anyone and it's been almost 3   months I have decided to contact Equifax today and check the status of the dispute. 
They confirmed that they received my letter. 

They told me that they can't do anything about it without XXXX sending them a letter saying that they agree to remove the inquiry. 

I have called XXXX to request that they will do that and they said that the only way for them to help is if Equifax will contact them directly to request this information. 
I called Equifax again and they said that they don't contact anyone, " the only hold information ''. I called XXXX again to let them know that Equifax don't contact anyone and that I need them to contact Equifax or send me something that I can then transfer to Equifax and they said they won't do it and the only way that it works is if Equifax will contact them. 

XXXX agree that they don't have any authorization from me to run this credit inquiry, yet they won't help me fix this fraud. 

I have been trying to speak to 5 different reps and managers at Equifax and 5 different reps at XXXX to try and resolve this, sent letter, verified my information, spent hours on phone call and I am still stuck between this two with no one to help me. 


PLEASE HELP ME! 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i had a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to cal me and that wasnt done and that violates my rights as a consumer. i reached out to equifax on more than one occasion to advise of my credit being pulled without my permission. these inquires are not authorized by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account # XXXXXXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 report 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 explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: TN
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:
Re : Inquires on my Equifax I have reached out to all creditors and Equifax to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
Insurance A court order.

Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

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 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 Please remove these inquiries from my credit report, as they WERE NOT AUTHORIZED!!!!!!!! 





Re : XXXX Inquiries on my credit report I have reached out to all creditors and XXXX to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
Insurance A court order. 
Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

See Attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
On XX/XX/XXXX, I had my unemployment card/information hacked, and money was withdrawn from my account. I called Bank of America to report the fraud, and they opened a claim and said they would send a new card. I reported the theft to the police and faxed the police report to B of A. a few days later, I received my new card, and within one day, they voided that card and closed my account. I have repeatedly called BofA and the Nevada DETR ( unemployment ), and they both blame the other for closing my account. I have done everything asked of me, including sending a copy of my driver 's license and social security cards to prove my identity. As of this day ( XX/XX/XXXX ), I still have not had my account reopened, nor have I received any of my unemployment and government money. This is causing undue hardship on my family, and taking care of my family 's necessities is becoming impossible. All because Bank of America did not want to look into the fraud committed on my unemployment card. Nevada Unemployment hasn't been much help either, as they've offered no solution to the problem, even though I call them 3-5 times a week. I get the same lame excuses from them, just like I receive the lame excuses from BofA. They are the ones committing fraud here on thousands of innocent families.

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 2022-12-15
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 sent a Letter on XXXX XX/XX/22, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No Financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-09-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$3100.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: SG and Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  notified me via my membership of a NEW collection acct called SG and Associates - Amt XXXX There Address XXXX XXXX XXXX XXXX XXXX CA XXXX They List the original creditor is XXXX XXXX and then XXXX XXXX XXXX in XXXX TX They list this debt to be XXXX ** This is MAIL AND WIRE FRAUD * FRAUD BY DECEPTION - XXXX  and XXXX XXXX Refuse to enter this fraud debt on my reports, XXXX  is the only bureau to report=- Twice I have sent XXXX  an FTC AFFIDAVIT of ID THEFT. 

I ask The CFPB step in and delete this from my Credit Bureau Immediately - I am XXXX, XXXX and have been since XXXX- I phoned the manager at XXXX XXXX XXXX and they have no record of a XXXX XXXX XXXX . 

The Stute of Limitations on said debt no matter who it was is expired in Texas This blatant Fraud has cost me thousands of dollars and I will seek legal relief immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: TX
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:
Equifax erroneously reported a credit card not belonging to me in my name. Equifax reported a 5 figure charge on this same credit card causing my FICO score to drop by 31 points. I reported the error to Equifax and they removed the card from my credit file ; however, they have failed to and refuse to correct the 31 point drop in my FICO score. This error including the FICO point drop was a direct and sole result of Equifax 's mistake. When I called their Consumer Care phone number the rep told me that Equifax no longer works with FICO and that they would not assist me with this issue. He then hung up on me. I faxed a follow up letter directly to Equifax but have not received a response. This needs to be correct. Their mistake is causing me both financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 10-year, interest-only loan serviced by Fifth Third Bank ( XXXX XXXX ). It's 7-year fixed rate period has expired and it now enters ( per the Note-attached below ) 3 ; 1-year periods of a new fixed rate. The new rate should be equal to One-Year LIBOR plus 2.25 % rounded to the nearest 1/8 %. The re-set date is 45 days in advance of the-set date ( XXXX XXXX in this case ). The re-set date should have been XXXX XXXX of this year. That was a Sunday so the last day of a current LIBOR rate was Friday, XXXX XXXX. The One-Year LIBOR rate at the close of business that day was 2.05 %. My new rate should be 4.25 % : 2.05 % + 2.25 % = 4.30 % -rounded to the nearest 1/8 % is 4.25 %. They calculated the new rate as 4.375 % ( see rate re-set letter attached ). I believe this is in error and have called the Bank 3 times. They have not called me back and have not shown me their calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2023-04-05
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX Acc XXXX XXXX XXXX XXXX  Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX  Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX. Balance {$1700.00} 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 an 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 explanation
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with XXXX 
A fraud alert was placed without my authorization or request on XXXX as well. 

I have NEVER requested this and demand it be removed at once.

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 2023-02-10
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 belongs to someone else

Complaint:
I am relocating for work and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2019-05-07
Company: EQUIFAX, INC.
State: MO
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 have hard inquiries on my credit report that's not mine and unauthorized and would like to have them removed asap. It's so many dates that it's unreal that type of stuff could happen

Company response to consumer: Closed with explanation