BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/XXXX, I contacted Experian, XXXX, and XXXX representatives concerning the likelihood of false accounts being established using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three firms advised me on how to keep track of things and complete an FTC form. I sent my information on XX/XX/XXXX. Even though I had filed my letters more than 30 days previously since they had been " verified, '' the accounts that were not mine were still shown in my documentation. This situation bothers and concerns me because it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I called the three firms again to inquire about how they could certify that these accounts belonged to me. They told me to contact the debt collectors directly because they couldn't help me any further. Every bank that the client dialed at the same time and forwarded to me had been dialed incorrectly ; they had no idea who I was or what the accounts were about. An online verification was completed to ensure that I had not made a mistake. My buddies advised me to visit the CFPB website. I'm hoping this works because my family and I desperately need the house we're trying to buy.

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On three separate occasions, I have discovered that inaccurate information is being reported on my credit file specifically unduly hard credit inquires all ranging different dates. I have tried to contact the bureaus and the creditors directly to dispute what I was under the impression as were soft inquiries that are now presently affecting my credit in a negative manner. I have not authorized such actions for credit and these unauthorized and unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I understand and am aware that inquiries are a factual record of file access and it is the credit bureau that is reporting these unverifiable requests for my credit after I have shown proof that these were not hard inquiries.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: NY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2022-09-12
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please update or correct this account. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 1 XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
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:
Re : Identity Theft Notification 1.Identity Theft. 
XXXX  Account XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

I am a victim of identity theft and have sent a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity ( in XXXX and XXXX ) and in addition, XXXXXXXX XXXX  mailed me an identity theft form which I filled out and mail back to them, plus proof of my current address. 

I also sent a copy of the identity theft report to along with my statement to XXXX 's all the credit reporting agencies- XXXX XXXX XXXX have deleted this account from my report but Equifax  has continued to ignore my request and this fraudulent is still reporting on my Equifax  report. 

Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I believe company Chime Financial XXXX XXXX XXXX XXXX XXXX is sending out unsolicited debit cards. 

Received a card on Monday XX/XX/XXXX. I immediately thought I had my identity stolen. After some online investigation it appears that this is really common for Chime. 

I should also point out that all of my credit reporting services have been locked. So if this was a valid request a credit pull would have failed and the account denied. 

It appears the only way to close this random account is to go through an email only process. This furthers my suspicion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PENNYMAC TRIES TO KEEP AND PROFIT OF MY INSURANCE CLAIM CHECK WHILES I HAVE NO HOME TO LIVE IN I HAD WATER DAMAGE IN MY HOME AND FILED A CLAIM WITH MY INSURANCE COMPANY. TYPICALLY, INSURANCE COMPANY WILL WRITE A CHECK TO YOU AND THE MORTGAGE COMPANY. 
ORIGINALLY, MY MORTGAGE COMPANY WAS XXXXXXXX XXXX XXXX AND I HAD NO ISSUES. THEN MY LOAN GOT TRANSFERRED TO PENNYMAC. THIS IS WHERE MY HEADACHE STATRTED. 
PENNYMAC IS JUST REFUSING TO RELEASE MY INSURANCE CLAIM CHECK. ITS STORY AFTER STORY. THE CHECK WAS RECEIVED BY PENNYMAC ON XX/XX/XXXX & I WAS TOLD IT TAKES 6 DAYS TO PROCESS AND SEND US OUR CHECK. I EVEN SENT A POST PAID ENVELOPE FOR EXPEDITED DELIVERY. EVERYDAY I CALL, ITS ANOTHER 6 DAYS. THE CHECK WAS SENT TO THEM XX/XX/XXXX, ALL REQUIREMENTS HAVE BEEN SENT TO THEM BUT THEY ARE REFUSING TO PAY THE MONEY.CONTRACTORS ARE WORKING IN MY HOME AND NEED TO BE PAID. I HAVE BEEN OUT OF MY HOME FOR 6 MONTHS NOW AND NEED TO GET BACK HOME I JUST WANT MY MONEY ASAP. THE MONEY IS NOT THEIR MONEY, ITS TO BE USED TO PAY CONTRACTORS WHO HAVE WORKED TIRELESSLY IN THE HOME. THE WORK HAS BEEN DONE, THEY HAVE SENT SOMEONE TO INSPECT BUT THEY STILL WANT TO KEEP THE INSURANCE MONEY. 
ALL I NEED TO THE CHECK ASAP AND I WILL FIND ANOTHER COMPANY TO FINANCE MY HOME. I WANT THE CEO TO CALL ME AND EXPLAIN THIS BECAUSE THIS IS NOT FAIR TO HOMEOWNERS IF THIS IS HOW THEY BEHAVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit report, incorrect information are being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Consumer Right to Privacy and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or correct these items from my credit file. The items are listed in the attached letters for your reference.

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 2023-08-12
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Credit reporting agency and original creditor are in violation of my consumer rights. 
Account name : XXXX XXXX XXXX Account number : XXXX. The balance on this account is inaccurate. My limit was {$300.00} but my balance is reporting as {$500.00}. How can this balance be correct when my limit is only {$300.00}? Also the original creditor and the credit reporting agencies are continuing to report this account as charged off month after month for 13 months after the initial charge off.date. An account can legally only be charged off one time. Once the account is charged off there should not be any updates to the account per FCRA rules and regulations.

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 2023-08-12
Company: LFG Data Services Holdings, LP
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
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:
In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, 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.

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 2021-09-13
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
First Investors Servicing Corp is reporting late payments on my account. I have spoken with several First Investors Representatives and explained my hours has been cut tremendously due to the Coronavirus Pandemic. Due to the CARES ACT CONGRESS has enacted the Coronavirus Aid, Relief and Economic Security act that states a consumer whose account was not previously delinquent is current on their loan should continue to report as current. 

Prior to the Global Pandemic my auto loan was current, due to the Pandemic I have been late with 2 payments and per the Federal Government and the President of the USA no company is to report late payments to any bureaus if the Consumer is affected financially from the Global pandemic.

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 2018-10-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my account and yet this company is send me statements saying I am late in paying my annual fee on a closed account. This account was closed last year but they failed to close and I had to call again. They stated they would reverse the charge that it now affecting 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 2022-09-23
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I am submitting this because, the three credit reporting agencies did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading, inaccuracies on my report. This is keeping me from obtaining credit.

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 2023-01-21
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow statement from Carrington Mortgage Services on XX/XX/XXXX. 
They made an extra payment of {$1000.00} on my property taxes. As result, i called Carrington Mortgage Services and paid off the entire {$1000.00}. 
However I have to face the following problems : 1- I never received a new escrow analysis despite my request. 

2-Since XX/XX/XXXX I have spoken to several people who pretended to be the managers and experts in escrow analysis. But they never honored the request of sending me an escrow analysis and telling me my new mortgage payment. 

3- All the agents from Carrington were unethical and unprofessional. Among them, I can cite XXXX id # XXXX, XXXX id # XXXX, XXXX id # XXXX XXXX I firmly believe that Carrington Mortgage Services is overcharging me despite my payment of the entire difference on the escrow account. 

5- Given the unethical treatments i have endured with Carrington Mortgage Services for many years, I would like our mortgage to be handled either by XXXX  XXXX XXXX or XXXX XXXX where it originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-01-23
Company: EQUIFAX, INC.
State: VA
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:
There is a collection account that appeared on my credit report from XXXX XXXX. This is reported as a medical collection out of Florida. I have never had medical services from the area. Additionally, I have lived in Virginia during the time the services were rendered. 

I contacted the collection company via a phone, XXXX XXXX, and they stated the information did not match my information. Specifically the date of birth. The representative who handles these disputes continues to be unavailable. Additionally, a written request has returned undeliverable even though this is the address provided to Equifax. 

It was discovered that the first 5 digits of the social also do not match. This was determined by contacting the original creditor as provided by XXXX XXXX. 

This collection is not mine and the predatory nature in which the collection company blindly assigns the debt is appalling and detrimental. I have no documents other than my credit report. However, there are no documents from the services rendered proving that this is my debt. Also, if documents are provided from the original creditor it would show that this debt is not related to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2020 i applied for a credit card and they denied me when i have XXXX credit score and excellent and i called them to ask why and they would not tell me when i called the management why they denied me, i am not happy with this company for not telling me why they wouldnt i got no where wheni have a credit card with their company for over 6 years now and dont use it anymore cause it has high interest so i saw this supior credit card that had zero intested for 15 mths on purchases and trasnfers so i applied and they give me {$150.00} for spending {$500.00} in 3 mths but they denied me. i wanted to fix this as theydid the same thin when i appled for their first card and i called in to fix resolve the issue, and i wanted to do the same thing this time and they wouldnt talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received an email from XXXX that my score had dropped from XXXX to XXXX. Something called Commonwealth Financial System had me in collections for {$1400.00}. I immediately disputed the charge with all three credit organizations. I have always paid my bills and am very distressed by this false charge. 

On XX/XX/XXXX, I called Commonwealth Financial at XXXX and spoke to XXXX (? ). She said that the collection is for their partner XXXX XXXX who in turn does collections for XXXX XXXX XXXX. XXXX XXXX XXXX saw XXXX XXXX in an emergency room somewhere on XX/XX/XXXX. They somehow attached my home address to that bill and expect me to pay it. XXXX said that she would enter a dispute in their system. I have not heard back from Commonwealth Financial. 

On XX/XX/XXXX, I sent an email to XXXX XXXX. It has not responded. 

Since I was never contacted by XXXX XXXX XXXX, XXXX XXXX, or Commonwealth Financial, I assume that they did not have my phone number or email address. I'm sorry that they have them now as a result of my contact with them because they can now use that information to bolster their false claims. 

I do not know XXXX XXXX. I did not take anyone to an XXXX. I can not understand how I can be randomly sent to collections for a bill incurred by someone else, for someone else.

Company response to consumer: Closed with explanation