BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-03
Company: Experian Information Solutions 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:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX and Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX ( Original Creditor : 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 2020-10-19
Company: Asset Management Outsourcing, 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: Old information reappears or never goes away

Complaint:
I contacted Nationwide Recovery about the debit owed to XXXX XXXX XXXX. I have not lived in Georgia where this was " Acquired '' since early in the year of XXXX. I do not have knowledge of this account and do not believe this is my account. I have tried in the past to clear this record up by having my insurance company pay. However the Georgia State XXXX office could not find this visit. Also Again I have not lived in Georgia since XXXX and this was listed on my credit on XX/XX/XXXX. Three years after I moved away. This is not timely in the least. I was told the debit was acquired in XX/XX/XXXX but was not listed until XX/XX/XXXX. Again I do not have any recollection of making any trips in on or around XX/XX/XXXX. I contacted Nationwide Recovery and was told there was nothing they could do to help. They stated the quickest and easiest thing for me to do was dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have submitted multiple disputes on my account to XXXX XXXX XXXX relating to the reporting of the account. The status shows as in repossession -- this vehicle was voluntarily surrendered in 2015 and has been reporting incorrectly for years. The last payment date is incorrect -- they are using the date the vehicle sold at auction and the proceeds were applied when that was not a voluntary payment. The last payment date reported on a credit report is to be the last voluntary payment. The account closed date is incorrect -- it should have been reported as closed on the date of voluntary surrender. The balance is incorrect -- they are continuing to report this account as if it is still open and payments are due. The payment history is incorrect -- it should no longer be showing monthly payments are due/past due as no monthly payments are due on the account -- it should have been charged off long ago. The balance is incorrect -- somehow it increased in the last month! I am going to take legal action if these items are not remediated.

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 2020-10-19
Company: BARCLAYS BANK DELAWARE
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: Investigation took more than 30 days

Complaint:
I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account from my credit report. However, after various formal certified FCRA mail disputes they continue to ignore my requests. This account information does not belong to me and they have failed to show me how they officially validated this false debt. 

BARCLAYS BANK DELAWARE Amount : {$1900.00} Date opened : XX/XX/2014

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: IL
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-07
Company: SYNCHRONY FINANCIAL
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX Reported : XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXXXXXX XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX XXXX Reported : XX/XX/XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately 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 non-monetary relief
Consumer complaint received 2015-11-10
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Nationstar Mortgage has not issued a subordination agreement which they are required to do. The client qualifies for a new first mortgage and needs a subordination agreement from Nationstar for his 2nd mortgage so he can refinance the 1st mortgage. XXXX XXXX will save over {$200.00} by refinancing. We sent the request on XXXX/XXXX/2015 and followed up with other required info on XXXX/XXXX/2015. We have not received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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 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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XX/XX/XXXXXXXX Balance : {$7.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00} DEPTEDXX/XX/XXXX XXXX Balance : {$0.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$580.00} This complaint is my follow-up to ensure that the listed accounts are fixed and updated

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 2023-01-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On, or about the month of XXXX XXXX  I received a letter in the mail stating that I applied for a credit card I did not recognize and my name was spelled wrong, XXXX instead of XXXX. Then, on XXXX XXXX XXXX I received an email from Experian stating that my email address was changed, when I never changed it. I tried to login to the account but the password had been changed. I called all three bureaus and put fraud alerts on all bureaus, but the scammer was able to lodge four hard inquiries that damaged my credit score.

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 2020-01-22
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: Account information incorrect

Complaint:
Credit report reflects XXXX is owed $ XXXX ( + ) for a car loan that they are not the original creditor or lender. Account has been cancelled as evidenced by a 1099 C confirmed by the IRS.

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 2020-10-19
Company: National Credit Systems,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 have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account from my credit report. However, after various formal certified mail FCRA disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false account. I have recently filed a Federal Trade Commission complaint to enable them to resolve this issue immediately and I will begin federal civil court proceedings against National Credit Systems shortly.

NATIONAL CREDIT SYSTEM Amount : {$740.00} Date opened : XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$460.00}, XXXX  XXXX Balance : {$1100.00}, XXXX  XXXX XXXX Balance : {$4000.00}, XXXX  XXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance XXXX {$40000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account was closed without explanation on XX/XX/2020. It is now XX/XX/2020 and every time I call, I am told to continue to check the mail for the returned funds without any definitive answer of a check # or an amount that is being returned. This is a large amount for me and it is severely affecting my personal and business life.

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 2018-11-03
Company: FIRST ADVANTAGE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied at XXXX for a part time job and they went thru first advantage for a background check that indicated I was on a XXXX registry and had felonies. I have never been in trouble my entire life I have no background.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am submitting a complaint against Equifax because the company failed to correct the wrong information on my credit file despite the fact that submitting a police report that proves that I am a victim of identity theft. Unlike the other two credit bureaus, Equifax insists on keeping false information on my credit report which is not legal. Equifax is violating the rules and the regulations of the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Allied Collection Services, Inc. (Nevada)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please REOPEN case XXXX as the contract provided is fraudulent. One it reflects an address of : XXXX XXXX XXXX, XXXX, OH which clearly DOES NOT belong to me. And that is NOT my signature. As stated before this is not a clear validation and does not match any of my personal information. If this debt is not removed I will contact my attorney. 

Validation of Debt Request - Proof of your right to own/collect this alleged debt **COMPANY HAS NOT PROVIDED -Balance claimed including all fees, interest and penalties **COMPANY PROVIDED INVOICES BILLED TO AN OHIO ADDRESS THAT DOES NOT BELONG TO ME -Contract bearing my personal signature **COMPANY PROVIDED A CONTRACT WITH AN OHIO ADDRESS THAT DOES NOT BELONG TO ME AND DOES NOT REFLECT MY PERSONAL SIGNATURE -License proof to collect debts in my state **COMPANY HAS NOT PROVIDED

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 2020-08-31
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$460.00} XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: UT
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:
XX/XX/2020 I alerted All credit reporting agencies of fraudulent activity and unauthorized use of my personal information with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Equifax Fraud Department say they never received my Fraud Report from the Federal Trade Commission and my Police Report all-thought I received phone confirmation of it being received and I emailed the complaint online for a 2nd time to Equifax about XX/XX/2020. Equifax was to Block and/or Delete this fraudulent account from my credit report but to this date they never have ( only XXXX has complied with the Federal Trade Commission and deleted XXXX  XXXX from my credit report ). 
Now again, XX/XX/2020 a fraudulent hard inquiry from XXXX XXXX XXXX  and XXXX XXXX  - unauthorized that I did not make is on my credit report ( s ) I initiated complaints with Equifax 2 to 3 times  since XX/XX/2020 and they will not delete these erroneous fraudulent hard inquiries despite my calling the companies and them mailing Equifax documentation to delete. Equifax for seven ( 7 ) months now has been incompetent in investigating and timely processing my requests!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a VA loan with Caliber Home Homes based in Texas for my primary home. I received a Uniform Residential Loan Application on XXXX XX/XX/2020 with all of my personal information ( soc security number, date of birth, home address, loan amount, type of loan ) in the mail, signed and asking me to initial and sign for an UNAUTHORIZED refinance I did not consent to. I have received numerous phone calls ( 4 in one day ) from different phone numbers followed by emails XX/XX/2020 on a consistent basis from XXXX XXXX at Caliber home loans ( almost harassing ) in regards to refinancing my VA home loan with Caliber Home Loans. I have not inquired nor given consent for contact about a refinance loan. As a military veteran this is appalling that a company would try to take advantage of consumers, trying to force and obligate them to any unwanted or solicited refinance, products or services. I have contacted the company several times asking them to remove me from outgoing solicitation for refinance, no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly adjust or correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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