BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attempted to work with XXXX  and XXXX, along with contacting each listed below, and customer service would not help and take care of the negative inquiries reporting on my credit reports. 

Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES Immediate and permanent deletion : ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZXXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Alleged Creditor # 9 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : NOWCOM/WESTLAKE FINANCIA XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX ). XXXX XXXX open date : XX/XX/XXXX has violated my rights XXXX ). Bankruptcy XXXX XXXX open XXXX, disposition XXXX XXXX ) XXXX XXXX open XXXX has violated my rights XXXX ). Dept of EDXXXX open XXXX, has violated my rights XXXX ). XXXX XXXX open date : XX/XX/XXXX, has violated my rights XXXX ). XXXX XXXX XXXX open XXXX has violated my rights. 


and i ask these persons/ companies/ entities/ organizations be removed my credit report due to the Congress passing these articles of law.

First one : 15 U.S.C 1681 section 602a. States I have the rights to privacy.

second one : 15 U.S.C 1681 604a section2, also states a consumer reporting agency can not furnish a account without my written instructions.

and lastly : 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.

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 2019-03-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX XXXX,2019 my friend got a call from XXXX XXXX XXXX at XXXXBecause I  contacted lawyers on behalf of a friend I wondered if that was them but I don't recall giving out my friends number. I called back but got voice mail for XXXX. XXXX called me back and transferred me to XXXX XXXX who said they are a law firm and will have to take me to court over GE Capitol Retail Bank/XXXX XXXX credit card for breach of contract. He says the debt is for {$1300.00} but now the amount is {$1600.00} and I can settle the debt for {$890.00}. He said I will only get paperwork AFTER I submit payment and he was recording the line. He did not offer to send paperwork to my email address which he already has on file before I pay this debt. I tried looking them up and seen they represent XXXX XXXX XXXX XXXX in XXXX XXXX. I would still like to see what this {$1600.00} is for if my debt was only {$1300.00}. They should send me the paperwork because I tried to resolve the debt with GE Capitol Retail Bank around 10 years ago and sent payment. XXXX XXXX also said if I paid the {$890.00} it will be resolved off of my credit reports but again I never received anything in writing from him.

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 2016-09-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We fell behind on our payments due to a reduction in income and I contacted Wells Fargo for help. On XX/XX/XXXX I submitted a loan modification application for consideration. On XX/XX/XXXX we received notice ( Exhibit A ) that it had been approved under The FHA HAMP program. We made all 3 trial period payments ( Exhibit B ). XX/XX/XXXX I was asked to add XXXX name to the deed as only mine was on it. I hired an attorney and this was done and sent to Wells Fargo ( Exhibit C ). I was then asked to submit proof of residency for XXXX which was also sent to Wells ( Exhibit D ). After submitting everything that was asked for, we received a denial of the modification because they could not verify that XXXX resides in the property ( Exhibit E ). 
I maintain that we have met the burden of proof for residency requirements and made all 3 trial period payments under the FHA HAMP Guidelines.

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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have had difficulties have the credit bureau give incorrect information on my credit report. I have sent documentation from the company stating the acct are not mine and are fraudulent. They still will not update the 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 explanation
Consumer complaint received 2018-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I contacted XXXX Mortgage company early XXXX to make payment arrangements. As our county each year for the last 4 years have been hit with a natural disaster fire. I was advised that I could make payment arrangements. I was told since I was in an area that was declared a natural disaster area I would not incur any late fees and they would not report any late payments. I recently pulled my credit report and all three agencies show multiple late payments for XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. I contacted the company to have them resolve the issue and was told I would have to submit a letter to their dispute department. I was told this was the only form of communication I could use. As there was no phone number or email address as a contact. I submitted a dispute with all three credit reporting agencies. Trans Union updated my file under remarks that I was Affected by natural disaster. Which increased my credit score.  However, they did not removed the late payment history for those months. Today I received confirmation from XXXX that they have updated the remarks on my file to reflect " Affected by natural disaster '' and, they also updated the monthly history to show no late payments. I tried to issue another dispute to get the late payments removed but was unable to do so.

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 2022-11-20
Company: EQUIFAX, INC.
State: FL
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 submitted a request for unautorized inquiries to be removed, and they have not been removed INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I DID NOT authorize : 1. XXXX XXXX XXXX XX/XX/2022 2. XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX. XXXX XX/XX/2022 8. XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my account directly with XXXX XXXX XXXX XXXX on XXXX XXXX and yet the collection agency is still on my credit report and shown as unpaid as of XX/XX/2021. The collection agency is still reporting wrong information and i need that to be removed. I tried to dispute it but the credit bureau also report it as accurate. THE ACCOUNT HAS BEEN PAID! 

The collection agency 's phone number is not working and unable to reach anyone over the phone and their other number is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I was 100 % paying customer until I got into car wreck that all most took my life, literally. I was in a XXXX for 2 months and then in there XXXX for a month. At the middle of XXXX my family knew I was going to buy a veteran assistance loan, so they got in touch with all credit cards and loans. Honda financial wouldn't give them any information but they took insurance info, gap info and what I owed as deductable but wouldnt give them info on my payments they say I missed. I missed none and told them they dont care if I am XXXX because their car didnt release airbags. Now they ruined my credit while they knew checks from insurance and extra insurance with their company called XXXX. Anyways I am out of first step but deeply depressed I might never walk again and they want take back late payments when in XXXX, XXXX. They are shameless and triffling. They got money for car but wont realaste to credit companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SOS Emergency Help for Homeowner Family in XXXX XXXX effected by the Gas Leak and a Predatorial Debt Collector Bayview and XXXX XXXX their California XXXX " trustee '' who does not follow nor honor State and federal Law. 
There was an illegal foreclosure sale on our home on XXXX XXXX, XXXX conducted by " XXXX XXXX '' trustee who knew we were in a dispute over the alleged debt with " Bayview '' and " Bayview '' themselves. We want and need that illegal sale to be cancelled and reversed. They sold it illegally and broke California state and federal laws. We need emergency help. We need this escalated to the right legal department of the CFPB. We have a whole family with children. 

It all started, when we were working with XXXX, then XXXX XXXX XXXX, then Bayview to validate the alleged debt with QWR and other requested information. I submitted a loan modification packet several times. Instead of providing the information as required by the Home owner Bill of Rights and California law, they attempted to sell my home on XXXX XXXX, XXXX We filled a complaint XXXX with the CFPB and Bayview backed off the sale and told us to get in touch with XXXX XXXX the account manager at bay view for the loan modification. We were working with her for several months providing her with all documents she requested. Then it was switched to another account manager. We cooperated fully thinking we are getting a loan modification and thinking everything is okay. Then suddenly on XXXX XXXX, XXXX we found out that they allegedly sold our home without any notification, proper notice, nor any communication. We called them and wrote to them and gave them the opportunity to ( rescind ) the illegal foreclosure sale and to reverse their actions were in violation of the California home owner bill of rights and other state and federal laws. We need help. This is an emergency and we need to stay in our house my family has XXXX XXXX kids and we can not lose this home. ( Please help us )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.

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 2022-11-20
Company: EQUIFAX, INC.
State: LA
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. 

Account name : XXXX XXXX, Account No : # XXXX, Account name : XXXX ; XXXX XXXX XXXX XXXX, Account NO : # 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 2022-11-19
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got this negative item from this unknown company to show up on my credit 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 2019-11-08
Company: CORELOGIC 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : 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 2022-11-24
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:
On XX/XX/XXXX I contacted TransUnion about the following negative 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Credit limit : {$500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2019-08-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX CARD SERV – partial account number XXXX.  (Please see page 3 of the attached credit report.)  I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account.  In addition, this card belonged to my mother who has since passed away.  They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my credit report.  I have contacted the bureau to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation