BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please assist me in getting the following items corrected on my credit report : Transunion and XXXX is reporting my birth year incorrectly as XXXX. My correct birth year is XXXX. My birth date is XX/XX/XXXX. 


Incorrect Address : XXXX XXXX XXXX, Incorrect Address : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX Incorrect Employment : XXXX XXXX  XXXX Correct Employment Name : XXXX XXXX XXXX The following Accounts does not belong to me. Please remove from my credit file : XXXX - XXXX that was opened XX/XX/XXXX XXXX XXXX - XXXX with a balance of {$33000.00} ; Incorrect Balance : {$33000.00} Incorrect State : Alabama XXXX XXXX  Incorrect Monthly Payment : {$11.00} Incorrect Status : Late 120 days XX/XX/XXXX - XX/XX/XXXX ( Please tell me how this is possible..120 days every month..would the days late increase? ). This is not my account. All of a sudden since I have been disputing that this account does not belong to me and all of the information is incorrect, now it is showing I am up to date. 

Correct Balance : {$11000.00} Correct State : North Carolina Correct Monthly Payment : {$120.00} Correct Status : I was never late between XX/XX/XXXX - XX/XX/XXXX Unauthorized Inquiries reporting on my credit file : - XXXX - XXXX XXXX XXXX  - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX

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 2023-10-18
Company: SYNCHRONY FINANCIAL
State: NY
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 XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/ASHLEYHOMESTORE, # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair 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 2023-03-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RENTONCOLL XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX {$2700.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2021, I received an investigation letter and an updated consumer credit report from Transunion. The investigation for XXXX XXXX states that the dispute information was VERIFIED AS ACCURATE. XXXX XXXX is a COLLECTION account. A COLLECTION account SHOULD NOT SHOW A PAST DUE BALANCE OF {$990.00}. A collection account should show as a OPEN account. This is INACCURATE REPORTING. Copies of the investigation letter and the updated consumer report are attached for proof. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: National Collection Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX University employed National Credit Management a debt collector to obtain monies owed for me pulling out of class early. Being that I submitted in a timely manner pulling out of the class and requested that the school do not send me funds because of the course that I requested early departure. The school sent the money that was associated to my federal student loan ; unfortunately, I was not notified in a timely manner of the monies owed and the school sent the account into collections immediately without giving me chance to pay the account balance. The collection company ( National Credit Management immediately put the account in collections on my credit reports. Also, according to my Stafford loan disclosure, I am required to pay the same monies that was in collection back on my loan. This would make two payments. The school failed to tell me the accurate cost of the course which was extremely to high is the reason why I left the program and the school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted through certified mail police report, FTC fraud affidavit and documents needed to Transunion credit bureau to remove fraudulent items from my credit report these documents arrived on XX/XX/2020 with certified mail receipt and according to the federal law they have four days to remove and block this information from my credit. Today XX/XX/2020 I spoke with a supervisor at transunion. She explained to me that they received my documentation and that they will not remove or block the information from my account. I explained to her that I had spoken with the federal trade commision and sent them the needed documentation. She replied sorry I cant do anything.

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 2018-08-03
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:
Dear Sir/Madam, A month ago XXXX XXXX report a 30 days late payment to Transunion. I have contact the agency and I submitted a request to investigate and today XX/XX/2018 I received a letter stated that credit card bank reporting is correct. 
I have open the account with XXXX in XX/XX/XXXX and I have not get any statement from the bank and all the sudden the bank start reporting late payment. I have contact the bank numerus times and complained that I have never get a payment statement and they told me that was a problem and they did fix it and I should have no problem any more and for the next 3 months I have to make the payment without receiving any statements anyway the late payment still on my credit and this is not a fair treatment from a bank who have an outdate billing system. 
Thanks for your attention of getting the problem solved and removing the late payment from my credit report. 
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 2017-10-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt company responded stating that they sent correspondence on X/X/17. I had already relocated to another address and therefore did not know nor receive a notice from them ... {$6000.00}. I informed them that I had moved but they are refusing accept the proof I am providing showing I was living at an another address. Please investigate this company as they are making a false statement re : being notified. I will be providing the rental agreement again showing date of execution of move.

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 2018-04-18
Company: OpenRoad Lending
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:
I woke up the morning of XX/XX/2016 to an alert sent to my email for a decrease in credit score. I sent off for my report to access for any changes in activity and I notice that open road lending had accessed my report without my consent. I contacted the company directly to attempt to remove the inquiry and was told it would be removed. I never gave them permission to access my credit. Recently, after applying for a home mortgage I notice that this inquiry is still reporting negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: AL
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. 

Account Name :XX/XX/XXXXAccount NumberXXXX Account Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name :XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account NumberXXXX 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 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 2023-07-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
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:
Rushmore is reporting incorrect balance information to XXXX. I asked them several times to correct this information, but they do not respond back to me. They are reporting the credit limit as the balance owed. The loan has a XXXX balance and they are reporting {$34000.00} as the balance owed. I contacted XXXX, and they contact Rushmore, and they do not update the balance information on the account. This is causing problem with my credit score. Rushmore also suspended my drawing on this Heloc because of XXXX incorrect credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, 20 fraudulent charges were made on my credit card with the same description, XXXX XXXX XXXX CA, for a total of {$1000.00}. On XX/XX/XXXX I became aware of these charges and called Citibank to ask for them to be reversed. 

On XX/XX/XXXX I received a credit for 10 of the fraudulent charges, however the other 10 which have the same details, remained on my account. Since then I have called both customer service and the security team at Citibank on many occasions and have been reassured time after time that they are investigating the charges and that I will receive a credit in the next few days, however no credit has been issued. 

Through all this Citibank has never contacted me once, and I had to always contact them and waste countless hours on hold. It has been a really poor customer experience.

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 monetary relief
Consumer complaint received 2019-12-06
Company: JPMORGAN CHASE & CO.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a loan on XXXX and received a locked LE. 
The estimated value at the time was $ XXXX. 

On XX/XX/XXXX, I was issued a new LE after the appraisal was received by Chase. This LE updated the estimated value to $ XXXX ; however, the fees remained the same. I was content with this LE. 

On XX/XX/XXXX, Chase issued me a new LE, The fees being charged to me changed by 0.25 % of the loan amount. 

I made several Inquiries to the processor, XXXX. He mentioned that the LO would call me. The LO never called me. 

I closed the loan anyways, but made several calls during the rescission period wanting answers. The only answer I was given is that the LE on XX/XX/XXXX was sent by mistake because the underwriter had not reviewed the appraisal. Once the underwriter reviewed the appraisal, they sent me an updated LE 9 days after the LE sent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Even though I was making regular payments to my Lowe 's Pro account as I am a XXXX for remodel work, my account was cancelled without any explaination. I was expected to keep paying on the account with no further use of it. In addition to this my wife and I had a regular Lowe 's consumer card with a $ XXXX credit limit. During our personal home renovation project we were working on a home refinance and paid the regular Lowe 's consumer card off, around $ XXXX. Right after this payment bringing our account to a zero balance, Lowe 's and or Synchrony Bank decided to close our account. Then they reported our account as late even though they cashed the large payoff. This pushed us to work out a set monthly amount to be paid on the Lowe 's Pro card that was no longer active. They offered us {$29.00} a month, 0 % interest and no additional fees or late reports would be done. This is the second month they stated we were late ( even with the letter they sent us about the agreement ) we have to call in every month. They are reporting the payment as late even though we are set up for automatic deductions from our bank account. I called in today to request a settlement so we can be done with this company and not have to worry about late reports and such anymore. The manager played games and stated maybe one day a letter will be sent out. I again requested a settlement. My settlement offer was to pay for half of my bill ( due to my wife closing her hair salon during XXXX ) so we could be done. They refused to work anything out with me and then hung up.

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