BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Hi, My Name is XXXX XXXX. I have a Bankruptcy that is reporting on my credit report in error. Both XXXX, XXXX, and Equifax I have made serval attempts over the past 12 months trying to resolve this issue with XXXX, XXXX, and Equifax. I sent in my dispute in XX/XX/XXXX and received 2 response on XX/XX/XXXX on report # XXXX. On the first letter said the bankruptcy was deleted. I thought this has finally got corrected. Then 2 days later I received another letter from XXXX saying it was verified as accurate. The Report date was XX/XX/XXXX and report # XXXX. I have attached these 2 documents. XXXX sent back a letter saying Verified as accurate and Equifax. The other issue is when they sent the second letter saying verified as accurate they indicated is was verified by XXXX a Third Party Vendor. XXXX Stated the Bankruptcy was verified by the Bankruptcy Court  in XXXX, TX. FCRA states you must verify with the original furnisher to get accurate information. This would be the Bankruptcy court in XXXX, TX where my credit report stated it was filed. This Bankruptcy was placed on my credit report in error. I sent a letter to the Bankruptcy Court and I do have that letter that will be attached also. The Bankruptcy Court sent me a letter saying they do not report information to or remove information from the credit Bureaus. 

The Bankruptcy is the original furnisher. XX/XX/XXXX I send another letter asking for a Method of Verification that is my right to know how XXXX verified the information they claim is accurate. This is stated in FCRA. On XX/XX/XXXX I received another letter stating verified as accurate. I sent out another letter in XX/XX/XXXX asking again the method of verification and on XX/XX/XXXX again they say verified as accurate. Nothing saying how they verified this bankruptcy. Just violation after violation. This bankruptcy has an address that is not mine and not on my credit report. This has been frustrating you read the FCRA follow the steps but the Credit just ignores the policy. 

I have attached all letters from XXXX, the letter from the court, and the letter i sent to XXXX. Please, can you help me reach someone that will resolve this issue? All 3 of these credit bureaus have been violating my rights to a fair and accurate investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX  XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX All have 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. 


XXXX XXXX XXXX Open balance {$900.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- Open balance {$450.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX- open balance {$330.00} Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a current cardholder of Synchrony. I have been for more than 7 years. Synchronys systems have complete access to my information. 
In XXXX, someone stole my identity, and applied for credit fraudulently with Synchrony and other creditors. 
When the application came through with my social security number -- the thief used an address in Texas. As synchronys systems show on my CURRENT account, I live in Ohio and have ALWAYS lived in XXXX is a major red flag discrepancy and an indicator of identity theft. 
Ignoring clearly defined red flags of address discrepancies outlined in FACT Act of XXXX, Synchrony not only approved the card, but also provided the thief the  opportunity to furnish her home to the tune of nearly XXXX XXXX dollars. Her home in TEXAS, where the furniture through XXXX XXXX XXXX was delivered. 
Synchrony also CARELESSLY updated my credit report with inaccurate addresses and a date of birth further harming me. They also updated the account as closed rather than removing it, which also adversely impacts my credit score. 
Additionally, now that there is new data including an account, inquiry, addresses and aliases on my credit reportmy current home loan pre-approval and search for a new home must be placed on hold. 
I have spoken to their representatives XXXX times now. Each time I call, I am more concerned with the role played by Synchrony and its noncompliance with the FACT Act and Red Flag Rules designed to protect consumers like me. 
Synchrony has REFUSED to provide me with answers as to WHY they approved the glaringly obvious fraud application, why they ignored red flag rules, why they continue to update my credit report with FALSE information.
They have also refused to provide a physical mailing address to send legal documents.
Synchrony is making this devastating experience even moreso by their continued victimization of me.
I 've spent countless hours on the phone with the CRAs and creditors -- including Synchrony. To date, Synchrony was the ONLY creditor that approved an account applied for by the identity thief. Ironically, it is also the ONLY creditor with whom I ACTUALLY HAVE AN ACCOUNT.
I wonder how many other Synchrony consumers are affected by your firm 's nonchalance?
I would like all information regarding the Red Flag Rules that were ignored and how my account could possibly be approved given this information. I would like a copy of the application -- which I have requested in writing. I would like any and all documentation related to this account and the fraud that was permitted by Synchrony 's failed red flag rules.
If Synchrony is refusing any of this information, I would like the registered agent 's mailing address.

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 2023-07-09
Company: GOLDMAN SACHS BANK USA
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has opened up an XXXX XXXX under my name, and put it under my other family members old email address. My other family member is experiencing identity theft as well. We were both victims of the XXXX data breach and XXXX XXXX breach. This needs to be investigated and removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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 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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
( XX/XX/2020 ) My loans was cancelled and account suspended for 90 days because : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' ( email from XXXX ) I applied for a loan on XX/XX/2020 on the XXXX Website. In their loan documentation, they stated they would call if further information or clarification was required. They did not contact me before suspending / cancelling the loan. I called this morning ( XX/XX/2020 ) to find out what was missing or going on. ( XXXX XXXX  ) The recording I heard about my account, before talking to someone, said the loan was incomplete. I talked to agent # 1, who could really do nothing or tell me what was missing, I asked for a manager but that department was closed for another 15 min. This person also told me that my credit report from " TransUnion '' may not have matched what I wrote in the application but when I checked everything matches, maybe how I named my employer is different than the report. That in my mind could have been solved in a 30 second phone call. This agent # 1 put me on hold to then disconnect my call ( XXXX ). 
Called back the same number and had to explain the entire situation again to agent # 2, who couldn't do anything and passed me off to the " XXXX XXXX '' group, which was now open. Talked to agent # 3 and once again could not tell me anything on why, what information was needed or what happened. Instead the answer was : " we can have a different department email you '', but no one from this department takes phone calls. I even asked for someone else that could help on the phone to get this solved quickly, but the answer was that there is no one else that I could be transferred to. 

So now I can't do anything for 90 days to correct the whatever information didn't match, or to even find out what is actually wrong. Their contract said that they would contact me if any issue was encountered during the verification process, but I received no phone calls nor emails. 
My credit score is going to take a hit because of the hard inquiry, and I have worked hard to recover the score after a bad divorce where I was stuck with all of the marital debt. I have no one to contact because I have to wait for THEM to email to me, if they even bother. 

The time frame from the submittal of the loan request and suspension was less than 24 hours with no information, requests or phone calls. At no point does it say I was denied or the loan was cancelled for reasons of credit or 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 2023-06-13
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-12-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried numerous times contacting XXXX  via phone and online to dispute accurate info and haven't reached a live agent. XXXX  online disputes directs me to call XXXX  's number. I'm unable to view or submit any info online to Equifax regarding disputes. The reps at Equifax are automatically closing disputes in less than 24 hrs without properly investigating. I have received automated emails from Equifax closing dispute a few hours after holding on the phone more than 30 mins each time to report to a live rep. 

I do not owe debt of {$360.00} to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I have contacted the property management company XXXX XXXX whom reported the incorrect debt for XXXX XXXX XXXX with no reply in the last 2 years for any issues. I received a call from XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX2020 XXXX XXXX  regarding the incorrect debt. I explained why the debt is not owed and other unresolved issues in which XXXX XXXX owes me payment. XXXX stated she would call me the following week with an update. I didn't receive an update and haven't reached her. I have spoken to XXXX XXXX XXXX and mailed off documentation XX/XX/XXXX2020 to XXXX XXXX XXXX showing proof of my payments to XXXX XXXX XXXX and my attempts to reach XXXX  regarding reimbursement they owe me and I never owed a debt to the complex. 


XXXX  and Equifax have failed to validate any proof before adding this erroneous debt {$360.00} to my credit report affecting my score. I have been unable to reach XXXX  by phone or online to dispute this inaccurate info. Equifax didn't properly verify the false typed debt from XXXX with no substantiating proof b/c the debt attempt is retaliation from XXXX  property management. I have mailed proof that I paid and didn't owe to XXXX XXXX XXXX and have called XXXX XXXX XXXX as well. I received a call from XXXX XXXX with XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  after numerous unreturned calls and emails from XXXX XXXX corporate office. XXXX stated she would look into it and contact me the following week. I have not received any updates from XXXX XXXX. I made XXXX aware of the inaccurate debt of {$360.00}, the reason the debt was reported in retaliation, and the initial issue in which XXXX XXXX never resolved since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Synchrony has closed and lower credit limits for absolutely no reason over the past year. All of my accounts with them are/were in good standing. They have dramatically affected my credit score and my ability to get new credit. They have lowered my rooms to go, they lowered my XXXX  card twice. They closed my Lowes Card with a XXXX limit with XXXX  warning and it had a XXXX balance. There carelessness for an account holder who always made on time payments has caused drastic ripple effects in my life. Higher interest rates and now I cant get approved for anything. This bank is a predator!

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 2018-11-26
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018, my intent was to pay off my mortgage with PHH Mortgage. I could not wire funds as my bank was in New York State and I was told I had to come into the office in NY and I am in Florida. I decided to do an e-check for the principal balance, and a follow-up e-check for the remaining daily interest and {$10.00} recording fee. Both payments were put into a suspense account by PHH on XX/XX/XXXX and XX/XX/XXXX respectively. They told me they needed 10 business days because the funds were not certified. Payoff figures were for XX/XX/18. I was told by TWO customer service reps that my property taxes ( due XX/XX/XXXX to avoid paying additional tax ) would NOT be paid because of the payoff intent, and that the escrow was frozen. I didn't think this was appropriate as they were not going to post my payments until close to when the tax bill was due ( with discounts ). I waited until XX/XX/XXXX, and processed an e-check for {$7.00}, xxx.xx from my bank to XXXX County Tax Collector in Florida. Today, PHH states that they sent a bulk check on XX/XX/XXXX to XXXX County for the same amount to pay my taxes. PHH says if they were to request the funds back, it would take FOUR MONTHS for me to get my monies back. ( I still have about {$1900.00} left in escrow as well, which they tell me would take about 3 weeks to receive the refund ). I then called XXXX County, and they said they have not yet processed the bulk payment, and would probably do so either XX/XX/XXXX or XX/XX/XXXX. Even though I told them I already paid, and that my mortgage will be paid off today ( they are to apply the suspense payments today to full pay the account ), they refuse to send me the overpayment, and state that it must go back to the payer ( PHH ). XXXX County says it could take 4-6 weeks for the monies to be sent back to PHH. I don't think I should have to wait four months for my money. I am very upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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 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