BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: WA
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:
THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX XXXXXXXX The monthly payment on this account is inaccurate. XXXX is reporting - as the monthly payment and Equifax is reporting - and XXXX is reporting {$0.00}. The last date of activity is also inaccurate. XXXX is reporting XX/XX/XXXX as the last date of activity and Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. The No. of Months ( terms ) on this account is also inaccurate. XXXX is reporting 60 Months and Equifax is reporting Monthly ( due every month ) and XXXX is reporting Monthly PLEASE DELETE AND REMOVE IT FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX opened on XX/XX/XXXX has result of fraudulent activity was charged off by the company in XX/XX/XXXX in the amount of $ XXXX.A police report was filed for this and other fraudulent and identify theft related activities during that time frame.This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau experian and XXXX. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from experian be cause by information was compromised they are completely aware of this.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
PLEASE REMOVE THESE ACCOUNT IS NOT MINE AND THESE INQUIRIES I DONT AUTHORIZE. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are more than a lot of unknown inquiries and creditors I have no awareness of. I would need assistance

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card on XX/XX/XXXX from Citibank along with a letter, mailed separately, from Citibank and dated XX/XX/XXXX, thanking me for my request to open a Regular Checking account. I did not request this checking account or debit card nor do I want a checking account and debit card with Citibank. I do have a Citi AAdvantage credit card but that is all. 
I have tried calling Citi numerous times today and tried texting them using my Citi app. I was never able to talk to a real person. I am concerned that Citi is doing something similar to XXXX XXXX -- signing customers up for accounts they did not request.

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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On behalf as an consumer ( Debtor ), I am informing you that an creditor ( XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( 1 ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived.

Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding my Ditech loan # XXXX. This loan was taken over by Ditech from the original servicer in XXXX or XX/XX/2019. 

I had my payments automatically deducted from my checking account with the initial servicer. I requested the same from Ditech as soon as I was notified that it was taking over my loan. Payments were successfully made the 1st and 2nd month. However, Ditech did not autodraft the 3rd month and then triggered a late fee and penalty. I called, paid two months at the same time, requested that they reverse the late payment and restart my autodraft. This then happened again in XXXX/XXXX. 

I have now paid {$1000.00} in late fees. I now have seriously derogatory strikes on my credit that must be removed. I just paid my XXXX bill ( today, XX/XX/19 ) manually because the autodraft is again not set after 3 requests to fix it. It now says I am not eligible for autodraft. 

I know that this is not a communication issue. Ditech knows how to communicate on everything else. They just fail to do so when it can cost me money and marks against my credit report. Indeed, I have received over two-dozen e-mails from Ditech over the last 4 months telling me about my refinance options and ways to save money. I've received other e-mails from Ditech regarding my eligibility to participate in a lawsuit against Ditech for improper servicing errors and expenses. 

I don't know what else to do. I need these fees taken off. I need my credit report corrected. I can manage not being on auto-pay but I would prefer being serviced by a provider that does not take advantage of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX is reporting an account that was charged off. All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. I've previously opted out of reporting and they have not complied. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am writing this letter to you in good faith so that you can rectify an error on the payment report on account XXXX XXXX XXXX and account number XXXX, this account is 100 % paid on time and my credit report shows a late payment of 30 day what is an error, I demand that you rectify my account information because everything was paid on time and I sent you the payment confirmation letter for the month that was reported late and the month is XXXX, but I have proof of payment to time in XXXX and I am going to send them to you to verify and rectify that error that is in my credit report and is affecting my credit report and my credit score, I hope you fix the incorrect information as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent out a letter to XXXX and Equifax demanding that they remove 3 unauthorized and fraudulent accounts that were reported to collections. The accounts in play were sold to a 3rd party vendor, which means they are NOT the original creditors. Thus, resulting in the the letter I sent out. Letter was sent out XX/XX/2023, and they received it XX/XX/2023. According to section 609 ( a ) ( 1 ) ( A ) of the fair credit reporting act, it states that ALL credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and ALL accounts that you post on a credit report ''. It has been well over 30 days, and the accounts are still present. And they also violated 15 U.S Code 1692c ( a ), I never game them consent to communicate with me in any way. They have been harrasing me for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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: Information belongs to someone else

Complaint:
This account was opened fraudulently and after extensive investigations and mitigation between my attorney and XXXX  XXXX XXXX the account was closed due to the nature of the account being fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be verifed ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 2020-03-04
Company: General Mortgage Capital Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Instead of providing a loan estimate document, GMCC started processing the refinancing straight away. 
1. Getting a basic loan estimate was difficult. Lender asked me to submit all my paperwork and ran my credit report before they gave me a loan estimate or Loan worksheet. Agent send me an email quoting the loan estimate 0.375 ( instead of 3.75 ) and XXXX closing cost, which was the promised rate. When I received the final loan estimate closing cost became {$13000.00} ( This includes a portion of my property tax around {$6800.00}, but still it is still way more than they promised. 
2. In order to get a Loan Estimate I had to provide all my personal details and financial information over an unsecured email conversation.

3. Communication was misleading and forced me to e-sign a refinancing the mortgage before seeing a loan estimate. 
4. Manipulative in the way the agent/company processed 5. They provided me an loan estimate after several days and several emails and still has excessive closing costs which was not promised 6. GMCC   send me a document to e-sign by mentioning that acknowledgement of receipt of loan estimate, which was never sent to me. After insisting for a real loan estimate, they finally sent me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX I was happy because my loan with Gm financial was coming to an end. I contacted company asking for balance. When I check website it says. No payments are due. But a balance of XXXX was still open. Based on my payment records I have make all payments. I contacted company again asking for explanation on the balance. The company ignored my emails and never responded. I kept contacting and nothing. Finally the company decided to pick up my car, I had to pay XXXX usd to get the car back which I did the same day and they reported to credit bearau. Based on the fair credit act I am entitled to an explanation of the amount owe which Americredit / GM financial ignored. Now I am still marked negative on the credit reports all because they did not want to explain the amount owe. As today I still do not know why I had to pay XXXX more after paying my loan for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. CBS is pursuing me as an independent collection agent when the originating provider of services ( XXXX XXXX ) is actively accepting payments from me. Further, because XXXX is accepting payments from me, CBS has an incorrect and higher balance than I owe/am paying to XXXX. 

2. It is my understanding that if the business I am obligated to pay is accepting payments from me, it can not be a collection account being pursued by an outside agency at the same time. It also can not be reported adversely on my credit by said collection agency. 

3. CBS has admittedly reported adverse information to credit bureaus causing me harm.

4. CBS is further pursuing me for a debt that is not mine and that CBS has no business sending privacy information to me of someone else 's account, and has admittedly reported the debt to credit bureaus causing me harm. 

5. CBS has refused my demand to correct their faults and continues to send threatening tone letters. They also continue to share information about the debt that does not belong to me, which is clearly evidenced in the itemized statement they sent ( I am not the account guarantor ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation