BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: AMERICAN HONDA FINANCE CORP
State: NY
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: Was not notified of investigation status or results

Complaint:
I tried to get another vehicle and upon arriving was informed that according to all three major credit bureau nothing has been reported for the last 13 months of me having the car I spoke to the bank and they said they will correct it and blamed it on a XXXX XXXX XXXX  shutdown when infact it should have been being reported since XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 credit was pulled by capital one bank on several ocassions. I didn't apply for credit or authorize a credit inquiry. I want them removed asap. The dates of the inquiries are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
The same for XXXX XXXX XX/XX/XXXX XX/XX/XXXX and lastly XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
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:
My husband had a XXXX credit card XXXX  since XXXX with XXXX BANK. In XX/XX/XXXX bank reported him 30-days-late. 5 months later in XX/XX/XXXX after being married in a month before in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XXXX. I did not have the card in XXXX. There is no way I could have been late as I did not have a card or no obligation to pay. I have asked the XXXX Bank and the CRA 's to remove the account. They have failed to do so. This is in violation of federal and state laws.

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 2023-11-09
Company: EQUIFAX, 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:
I did not consent to authorize nor benefit from the following account ( s ). Block and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, I noticed there were late payments still showing on my credit report. These are old 30 day lates. I had contacted the companies at the time this occurred and they informed me that due to my excellent relationship with them, that the late payment would be taken off of my account. This did not occur as I now see that these lates are still showing on my credit report. I reached out to the companies again, but have had no response. I've attached a copy of the letters that were sent to the agencies but have now addressed them to each of the credit bureaus. 

I also am disputing hard inquiries across all three bureaus. The inquiries I'm disputing are during the time I was purchasing a vehicle, but there are several other institutions listed on my report that did not secure my loan. I need all of those removed please. I did call each of the bureaus to get those removed but they did not remove them.

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 2023-08-14
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and other related laws, which have significantly impacted my financial well-being and peace of mind. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you will enforce the legal protections afforded to consumers like me. 

These violations have been carried out by multiple creditors and have resulted in severe damage to my credit profile. The consequences have been far-reaching, affecting my ability to secure loans, housing, and even employment opportunities. I understand that the purpose of the FCRA is to ensure fair and accurate credit reporting, and I implore the CFPB to ensure that these laws are enforced to protect individuals like me from unjust treatment. 

The violations I am disputing are as follows : 1. Unauthorized Inquiries : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX. Inaccurate Reporting and Unverified Accounts : - XXXX XXXX  ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX  XXXX ( Account Number : XXXX ) - XXXX ( Account XXXX XXXX XXXX ) - XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) Furthermore, incorrect personal information has been reported, including incorrect previous addresses. 

The emotional toll this situation has taken on me can not be overstated. The constant stress and XXXX   of being unfairly judged based on inaccurate and unverified information have caused sleepless nights and a constant feeling of hopelessness. I have even lost out on job opportunities due to the tarnished credit profile that these violations have created. 

I kindly request that the CFPB thoroughly investigate these violations and enforce the necessary actions against the involved creditors. Specifically, I demand that the unverified accounts mentioned above be removed from my credit report as they are damaging my financial credibility without proper validation. 

I am confident in the CFPB 's commitment to consumer protection and fair credit reporting, and I am hopeful that your intervention will provide the justice I deserve. 

Thank you for your attention to this matter. I have enclosed copies of relevant documentation to support my claims. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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: Account information incorrect

Complaint:
XXXX XXXX is reporting a chargeoff on my credit report, which means theyve written it off on their taxes and have sent me a 1099 which they have not. They have stated that I owe a balance and the insurance company has paid it off.

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 2023-11-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After several attempts with the credit reporting agencies, I keep getting responses saying they were unable to verify me. I have included copies of my personal documents several times. I do not understand how I was unable to be identified. After several attempts to have my report updated I am still at a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit alert today indicating a new account has been reported on my credit report. Upon checking my credit report, a collection account was placed in my file by Debt Recovery Solutions ( DRS ) with the XXXX credit bureaus indicating I owed {$1200.00}. 

I have never been contacted by DRS about any alleged debt. I have never spoken to anyone from this company and have never received any written or electronic communications. I have not received any type of validation notice stating the name, address of the original creditor, the alleged amount, and given an opportunity to request validation/verification within a prescribed period. This practice of placing unconfirmed and questionable collection accounts without notifying the alleged debtor first and following the FDCPA notice requirements is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened a care credit card IXXXX XX/XX/2020. First two payments were made at the dentist office but then covid started and the office temporarily closed. However i never received any statements, bills, notifications nor was I given any account information. I had no idea I was being billed as i never recieved anything. My card closed out due to non payment.

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 2020-12-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Its well over 30 days since Ive initially disputed accounts on my credit report and I still havent received any response from the three major credit bureaus. I havent received any confirmation on how the credit bureaus have verified the accounts. CFPB will receive documents from me for rectifying the subterfuge that you are 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 2023-09-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} 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 2019-08-12
Company: EQUIFAX, INC.
State: IA
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 only became aware of an identity theft issue on XX/XX/19, when my FICO score suddenly tanked to XXXX instead of XXXX. An account was opened with XXXX XXXX ( whom I'd never heard of until this issue came to my attention ) in my former married name ( that I have not used for over 20 years ) and with a XXXX address ( that I haven't lived at for over 10 years ). Credit reporting agencies deny any responsibility to disclose that the information sought is old data, to creditors. Shame on them ; the whole point in creditors inquiring with those services is to be able to determine if it is a legitimate individual or an identity theft ( which it was ). 
As you are the overseeing institution for the big three, isn't there some protocol that can be put into place that requires the reporting agencies to clarify that former names and addresses are no longer in use, so the creditors and debtor have half a chance at not getting swindled? 
On top of that, XXXX XXXX cleared it up within a week, reported it twice on XX/XX/19 and again on XX/XX/19 ( at XXXX ). All 3 agencies are still saying they've not been informed. Not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Freedom Mortgage Company
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Our loan was transferred to another loan servicing company - Freedom Mortgage back in XX/XX/XXXX. I reached out to this company first on XX/XX/XXXX to check our loan. Rep stated to call back in regard to loan modification. Called again on XX/XX/XXXX to get update. No update due to still waiting for the documents from previous loan company. I called again XX/XX/XXXX to get update and no update yet. But on both phone call I was advised not to pay and wait for the loan modification to be completed. XX/XX/XXXX called again and still no progress as needed to still receive from previous loan company the complete package, in which I offered to send the copies of the completed package I sent to previous one to use. Rep said yes, send it so they can use it for review. I sent it and Freedom Mtg. received it. Spoke to several Rep when they called us in various dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In which they kept asking for the same documents that they already receive via XXXX and online. Every time I spoke with different Rep they kept promising that they will make a note that all documents are received and will create ticket to expedite review of loan modification as its passed the 2 months RESPA and want this done. Today, XX/XX/XXXX we received a letter from Freedom mortgage stating they are trying to connect with us with no success. What is going on? We want to resolve this but it seems like Freedom mortgage is loosing not only our documents but also the recorded messages that we been talking to them. Help us to just get this resolved as this is taking a toll on my health. My XXXX XXXX had been going up for the last 3 weeks regarding this. They need to get it together and learn to talk to all departments involve so that consumers are not stressed more.

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 2021-05-13
Company: ACIMA CREDIT, LLC
State: PA
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:
ACIMA shows I currently still have an open installment balance that I have paid off a year ago. I tried to call them so they can report and close my paid account but they refused.This is hurting my credit score it appears my account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Maximus Education, LLC dba Aidvantage
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX - Email sent to Aidvantage asking why my student loan payment amount on the SAVE plan was XXXX XXXX  higher than the estimate range that the federal student aid website simulator calculated, because the i formation I submitted through Aidvantage on my application was the same information I used on the simulator. This email still has gone XXXX responded to. 

XX/XX/XXXX - Tried calling Aidvantage without success. On hold for XXXX minutes. 

XXXX Opened a complaint case with the XXXX XXXX XXXX Department of Education . No response as of yet. 

XX/XX/XXXX - Tried calling Aidvantage without success. I was on hold for XXXX minutes, only to be hung up on. 

XX/XX/XXXX - Sent a certified letter to Aidvantage asking them to : - Provide me a record of my submitted SAVE application with the date I submitted to Aidvantage, and the date it was then submitted to the Department of Education on my behalf. 

- A full breakdown of how my payments were calculated using the information I gave in my application referenced above. 

- An explanation as to why my payments are XXXX XXXX - XXXX XXXX higher than the payment estimate bands given to me on the federal student loan payment simulator. 

- A request to place my account in an administrative forbearance until all of these items can be received and this is resolved, due to the fact that I've attempted to contact them multiple times about this issue without success. 

XX/XX/XXXX - Certified letter arrived to Aidvantage via mail tracking. 

No one has responded or reached back out to any of my attempts to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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: Was not notified of investigation status or results

Complaint:
The XXXX XXXX Residential Dispute was not properly investigated or handled. I did not verbally authorize this credit pull, and no proof has been provided to the contrary. I have read the letters that were sent to me and no proof was provided that I authorized a credit pull. By denying this dispute and not providing proof of your investigation, you are breaking the law. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: NV
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 happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX XXXX Inquiry from XX/XX/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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Capital one - 5 cards out in my name XXXX. My child support card took My daughters and my information. XXXX they used for purchase account.closed. XXXX my oldest credit card I had to close I have an unknown auto loan in name also I come up on a mortgage I was never on.

Company response to consumer: Closed with non-monetary relief