BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft my information was stolen from XXXX XXXXXXXX and Equifax data breach please remove these fraudulent inquiries please remove from my account. XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: PHILADELPHIA MORTGAGE ADVISORS
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for and was approved for a FHA mortgage through Philadelphia Mortgage Advisors and had a closing date of XX/XX/2020. I was locked in at an interest rate of 3.175 %. Due to an issue at settlement, our closing had to be rescheduled to XX/XX/2020. We were still locked in to the rate and were scheduled to close. Three days before settlement, I received my Closing Disclosure with the wrong interest rate of 4.125 %. I immediately alerted my mortgage advisor. She insisted that I was wrong, that the interest rate was never changed and that if I did not sign the CD that day, I would not close and would lose the locked in interest rate. This was upsetting because my family and I were already in the new property. On the original settlement day, my own home was sold before I knew about the U & O issues. My family was essentially homeless. So, My husband and I signed the loan with the wrong date out of fear of not being able to purchase the home at all. Immediately after settlement, I contacted the mortgage company and the President of the company came to my home and we signed new loan documents. I mentioned to him that since the interest rates were wrong, I had overpaid and had to be due a refund. He agreed and said he would send that out. 
That never happened. I never received a breakdown of an overpayment or a refund from this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing t

o : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.
2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2022-01-28
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/XXXX, Equifax has deleted or removed my entire credit history and my credit file from being accessed or viewed. Today, XX/XX/XXXX, I replied to preapproved offers based on my XXXX credit score being XXXX and being a member of XXXX XXXX XXXX XXXX I was preapproved for two confirmed credit offers. When I used my preapproval code to submit the application, it was rejected due to the number one reason being insufficient credit history. This is the issue that I am having with equifax. I am XXXX XXXX XXXX with a credit history that goes back to XXXX. My credit accounts from the XXXX are still open and are currently in good standing in my entire history and mortgage, and auto loans have disappeared. This is left my credit score as a zero or nonexistent and creditors and banks are unable to access my credit file thats making me in eligible for receiving credit. 

I just spoke with the manager at XXXX XXXX XXXX and they informed me that within their software confines when they attempt to pull my Equifax report, it shows is nonexistent and it is blank, only showing my first and last name. XXXX uses a Equifax to qualify applicants, but Equifax has deleted my entire credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
I received a copy of a credit report from XXXX. IT had two actions reported as Potentially negative information - one being late payment history.. My ID Theft Protection provider gave me information concerning making a late payment on an account that has been closed. The XXXX report shows the creditor as XXXX. I filed a dispute with XXXX but the results are not due yet. 

However, when I review the Credit Report there is an indication that the creditor designated may be wrong. I have reported this problem before and it appears as though no correction ( s ) were ever made. The credit world has specific account number designations one being that of DISCOVER. Their credit card no. begins with a XXXX- DISCOVER indicated that there is a LATE PAYMENT history made to Tractor Supply in XX/XX/XXXX. Reviewing the EXPERIAN report I received in XX/XX/XXXX. I noticed that XXXX generated a separate report that cited XXXX listing the first 6-8 digits or so of the credit card number.. When this information previously appeared on a credit report, I contacted XXXX and they told me that credit card designation was for DISCOVER ( XXXX ). This report has never been updated to correct the erroneous information included in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: GA
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:
This is my follow up complaint as an assurance that the XXXX, EQUIFAX and XXXX Credit Bureaus will take their responsibility seriously and will NOT be inattentive in my request for inquiry removal in my credit reports. Once more 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. Again, here is the list of inquiries which do not belong to me or were opened without my authorization : XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX XXXX  XXXX Balance : {$530.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: MA
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 was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my Experian credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report.

I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to both the credit bureaus and to the companies.

Despite all these efforts, Experian still keeps the record of a car loan account with the XXXX XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was abroad. This affects my life very badly because of the damage done to my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX Balance : {$340.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: LEXISNEXIS
State: MI
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: Problem with personal statement of dispute

Complaint:
DOES ANYONE AT LEXISNEXIS ACTUALLY READ THESE COMPLAINTS?? OR JUST SEND OUT " CANNED '' RESPONSES? I HAVE ASKED SEVERAL TIMES FOR LEXISNEXIS TO REMOVE A CHAPTER XXXX BANKRUPTCY FROM MY CREDIT REPORT. 

I HAVE NOT ASKED FOR IT TO BE " VERIFIED '' I AM ASKING FOR IT TO BE REMOVED. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. the filing date was XX/XX/XXXX. 

There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 
2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

Since the filing date was XX/XX/XXXX it will be REMOVED XX/XX/XXXX. 
I am requesting it to be removed now according to the FCRA. 

LEXISNEXIS stated in their last response the following : Mr. XXXX   name, previous address XXXX XXXX XXXX XXXX, MI XXXX and full social security number reported to LexisNexis by the nationwide consumer reporting agencies. 

In this above statement, again LexisNexis is " VERIFYING '' the info and that is NOT what I question. WHAT I AM ASKING THEM TO " VERIFY " IN THEIR STATEMENT ARE, THEY INDICATE THEY RECEIVED MY INFORMATION BY THE " NATIONWIDE CONSUMER REPORTING AGENCIES '' WHO? WHICH ONES? 

This statement contradicts what they state in their canned responses in the past that they get the information from XXXX. I have attached a letter that the bankruptcy court has sent to me that they do not report to credit reporting agencies. 

As I stated in this letter I want the bankruptcy removed and if LEXIS NEXIS can not remove it than I ask WHO has to remove it or WHO do I have to call to have it removed as it has 99. % reached the MAXIMUM time limit from the filing date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I recently ( to be an exact XXXX of 2020 ) purchased some material to remodel my home from Floor & Decors Branch in XXXX XXXX, CA and at the cashier, they offered me 0 % financing for 1 year to be paid in full. I found it attractive and I took the offer and started to make payments on the loan ( {$4500.00} ) until recently when the 1 year passed and I noticed there was a huge finance charge of {$1300.00}. was added to my remaining balance of about {$1600.00}. when I called Floor & Decors Financing they told me, since I did not pay all of the balance in full then I had to pay interest of 29.9 % on all original balance of {$4500.00}. 
I pleaded and I told them that that was not disclosed to me at the cashier, all it was explained to me was the 0 % financing for 1 year, and no detail was explained and it is so hard to read or no chance to read the small fine print where there is a line of people behind you to check out, on the receipt that confirmed the interest rate will be applied on all original balance. it is so deceptive and I think it is planned to get you to pay 30 % financing! 
I reached out to Floor & Decors several times but they declined to credit me back and they did not except to charge finance on the balance remaining only. 
I paid the balance off including the 29.9 % fiance charges but I am seeking help to help me to stop Floor & Decors on deceptive practice

Company response to consumer: Closed with explanation