BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACCOUNTS. Nor did I have a account with - XXXX XXXX XXXX {$96.00}, on XX/XX/XXXX. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT produce THESE DOCUMENTS Please DELETE these Inquires and accounts- XXXX XXXX XXXX {$96.00}, on XX/XX/XXXX, and also XXXX XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and this is not the same dispute. No services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
Please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 


Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: Exeter Finance Corp.
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:
I have a settlement agreement with EXETER finance. When I received this settlement offer I called Exeter and spoke with a XXXX agreement customer service XXXX at Exeter and she informed me that if I accepted the settlement offer the account balance would immediately be updated to XXXX as that is the XXXX XXXX total balance we agreed on in the settlement, and the account would be reported as closed with the XXXX paid in full. I accepted the settlement agreement, signed the contract and paid the XXXX in full on XX/XX/2023. I even contacted Exeter via customer support email to make sure the correct reporting would be updated to the account by the next reporting which should have been XX/XX/2023, the representative assured me that the account balance would be updated to XXXX and the account would be reported as closed, she also sent me a receipt via email to confirm they received my payment. I see on my XX/XX/2023 report that Exeter finance reported to XXXX the incorrect balance of XXXX and an incorrect charge off reporting. That is completely against our settlement agreement and this is a clear violation of my rights to accuracy, privacy, and fairness and inaccuracies on a credit report can hurt my opportunity at credit. The actual balance I owe is XXXX according to the settlement agreement, the XXXX was paid in full on XX/XX/2023, the account is supposed to be reported as closed and paid. I have submitted numerous disputes recently about this inaccurate account reporting issue, this is NOT an opportunity for re-investigating anything this is simply me notify Exeter XXXX XXXX to update the account information on my credit report immediately after receiving this letter or both companies will be held liable XXXX to me for every FCRA violation committed regardless of intent you will be held liable to me for statutory damages for violating 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a inquiry on my report I do not recognize from XXXX 's with the pandemic and all why are some companies posting applications, please remove this inquiry from the transunion report

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 2023-06-08
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF ED / XXXX , DEPT OF ED XXXX XXXX, DEPT OF ED / XXXX, DEPT OF ED XXXX XXXX, DEPT OF ED / XXXX , DEPT OF ED / XXXX, DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Experian Information Solutions 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:
Experian continues to report inaccurate, unvalidated information to my credit file.The creditor, XXXX XXXX XXXX, has sent me information directly regarding the account, and that it can not be verified. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.

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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I files a Complaint # XXXX with CFPB against TransUnion for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XXXX, XXXX on my personal credit report. TransUnion has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to TransUnion. TransUnion responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.

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 2022-12-13
Company: Open Dealer Exchange, LLC
State: AR
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:
There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. 
The inquires that i did not authorize are : XXXX XXXX ( BANK ) XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Bank XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX was advised in XXXX of 2022 that I am a current customer in good standing with XXXX. I am a XXXX XXXX XXXX XXXX. I advised XXXX the XXXX dollars was wrong and to verify. They did not. They reported it to XXXX, XXXX, and Equifax. I spoke to XXXX and VERIFIED multiple times with XXXX I do not owe them any money per XXXX. They received payment for the security system, which does not work. 

After notifying XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They fraudulently placed the account as a collection on all three credit Reporting agencies. 

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, has violated my rights. 

XXXX5 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
-Stopped attending university ( XXXX University , XXXX XXXX , XXXX XXXX ) in XXXX of 2013 due to financial and mental health issues. 
-did not graduate -All Federal loans service by Sallie Mae `` sold '' to spin-off company Navient -Could not afford loan payments due to minimum wage income and monthly financial burden -Navient sent emails every 3 months offering to " Resolve your student loan payments '' by replying to emails with the word, " yes ''. 
-Interest ( between 4.5 to 6.8 % for 5 different loans ) has accrued for years without any suggestion to alternatives -interest accrual increases the amount of the loan, and thus the difficulty of paying off such a loan without a college degree-paying occupation -Original loan principle was {$16000.00} total for 5 loans, Now totaling {$31000.00} to be paid off in a 10-year period

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
making bi-monthly payments, XXXX  payment goes through fine, the XXXX  payment goes to principal, even though it shows the amount due for that month, which I paid in full, call them to change it back to payment, they credit it to payment than change it back to principal, have had to call every month since XX/XX/XXXX, and the problem still exist, the operator can see how many times I've called since XX/XX/XXXX, about this issue and tells me they are notifying the company 's head personal, but as of XX/XX/XXXX it shows that I haven't made the XXXX  part of the payment for XXXX even though I made it on XX/XX/XXXX and have confirmation number for that payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In 2012 my brother opened a car loan with XXXX. We have the same initials but different middle names. Some how the repo is showing on my credit report. I disputed this a number of times but nothing was ever done about it. I contacted XXXX a number of times in regard to this matter yet i'm still being held responsible for this. I didnt open this account, and is a mistake or fraud on my brother part ( which he is known for ). XXXX cant prove its my account because I never opened this loan or checking account with XXXX. Recently I decided to buy a home but this repo account is hindering me. This is mistake and or fraud. XXXX cant valid that this is my account because I never opened it. They even threaten to sue me. I just want this to be over.

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 2023-06-08
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX Original XXXX : 01 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXXXX/XX/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 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 an alleged identity theft, not later than 4 business days after the date of receipt.

.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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:
This is my fourth 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 an alleged fraud or extortion. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX  ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-09-12
Company: Experian Information Solutions Inc.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$230.00}

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 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid a balance off car loan with capital Auto finance from capital one XXXX  acct -- XXXX of XXXX in the amount of {$5700.00} which was the paid in full balance. 2 days later I paid another {$190.00} from a capital one checking account on XX/XX/2021 because Capital One was showing I still owed a balance of {$190.00}. I called Capital One Auto finance requesting a paid in full letter and title. The customer service rep told me i had a balance of XXXX cents and they would give me a credit which would allow them to send me a paid in full letter. I have been calling Capital one for 60 days and to date I still haven't received the title and paid in full balance.. 

They have told me numerous times they would remove the XXXX cents error which will allow me to get my title and paid in full letter. I called today ( XX/XX/XXXX ) an spoke with XXXX XXXX XXXX employee ID XXXX XXXX XXXX Ok ) he is supposed to have his supervisor XXXX XXXX XXXX Tx XXXX to resolve this matter today.. I have heard this numerous times and would like for the CFPB to look into this matter.. 

Thanks!

Company response to consumer: Closed with explanation