BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been disputing inquiries that are on my report. I have asked for proof because I didn't authorize all those accounts. I am not nor have been trying to get a car. I have a car, so I don't need to look for a loan. There are also inquiries that are not car related that DO NOT belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been disputing inquiries that are on my report. I have asked for proof because I didn't authorize all those accounts. I am not nor have been trying to get a car. I have a car, so I don't need to look for a loan. There are also inquiries that are not car related that DO NOT belong to me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 2021-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. XXXX is the account Im referring to.

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 2020-07-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2021-12-06
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding LLC for XXXX XXXX balance was paid since XX/XX/2021. Still reporting on my credit report was suppose to be removed from all three credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have been paying my auto loan for approximately 5 years my pay off date is XX/XX/2020. My payments are set for Auto and are paid monthly. Payoff is soon and now my payments for payoff are going up. Is this legal? and how can I stop the payoff going up?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am successor of interest on a loan with wells fargo. I suffered a Covid hardship and took advantage of the XXXX XXXX XXXX mortgage deferral and chose the option of having the deferred payments placed at the end of the loan 's maturity date as was my option from the very beginning. My hardship has ended and I began making my monthly payments since XX/XX/XXXX. I pay my own real estate taxes because as a senior I am allowed to pay only one half the amount. I am paid until XX/XX/XXXX. I pay my home insurance which is incredibly low because it is tied with my car insurance. I recently paid it for one year until XX/XX/XXXX. Wells is now giving me the run-a round and telling me as a successor of interest, I can not have the option I chose. They have asked for and I have submitted tons of documentation for months showing I can well afford to make the monthly payment. They never, ever stated that as a successor of interest I would be denied my option. They have sent me a letter stating I am in a loan modification program and they will escrow my taxes, etc. I have called and called them and get nowhere. They have lied to me and are not abiding by the FHFA, CFBP and even the White House rules. 
They spring this on me now? And they are defying the federal rules.

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 2018-05-20
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: Account information incorrect

Complaint:
XXXX XXXX XXXX partial acct. no.XXXX is appearing on EQUIFAX and XXXX  credit bureaus as an unpaid charge off.XXXX has previously deleted.

The problem stems from the fact that the car is a lemon.XXXX  and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT XXXX WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does XXXX  , but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for XXXX  to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for.

BUT IT APPEARS THAT XXXX THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing a complaint with Freedom Mortgage. They reached out to us to refinance our home. They came to our home 2 months ago and we signed the closing papers and a Notary signed and stamped papers as well as myself and my husband. They called about 4 days later said they sent the wrong papers. So my husband is out of town during the week for work he took a Friday off and thats the last time someone came out or even tried to get a hold of us. I have been calling and emailing the company for 2 months now. They told us a few times during me reaching out to them and that to not make out XXXX house payment because they messed up and they also spelled my last name different then my husbands. So for months I have been speaking to so many different people and I have everything wrote down with all info and names. So then after I keep calling and emailing they then said that they would have to start the process over but we had to make XXXX payment no matter what so we did they also said it wont go against his credit cause this wasnt our fault and that they were starting the process over. So again didnt reach out to me so I have reached out to them more then all I have already said. So again today I called and said no one has reached out to us and its almost the XXXX of the month and once that hits we have to start over again. This is all on their part and then he says we have to make XXXX payment and then they will start over again so this has been going on for months and I have tried to reach out to them more then I should of had to. So we decided that we were gon na go thru another company and because of Freedom Mortgage we can not because they said we were late on XXXX payment so it dropped husbands credit score XXXX points. I have never Dealt with a company like that before. No one is ever on the same page and you have a ton of different people telling you different things and none of them have even Spoke with each other about the situation. There is so much more information that would be better to speak with someone.

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 2022-12-09
Company: Experian Information Solutions 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:
In Accordance with the FCRA XXXX  Account number XXXX has violated my rights XXXX  XXXX Account number XXXX Delete Asap XXXX XXXX XXXX XXXX Account number xxxx Delete Asap XXXX  XXXX XXXX XXXX Account number XXXX Delete ALL late payments XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Delete Asap XXXX XXXX XXXX Account number 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 2021-12-06
Company: Experian Information Solutions Inc.
State: PA
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:
This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from 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 2020-07-22
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt of XXXX was paid in XX/XX/2019 after moving out of Apartment in XX/XX/2019. The apartment agent failed to complete my new address with " XXXX '' so I never received the letter. 

I paid it under act number ending - XXXX but I received a mailing in XXXX under account number XXXX for the same exact amount. 

This company has taken it amongst themselves to reopen a paid balance under a new account number. This is fraudulent. I've called several times to get no assistance and only allowed the option to leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: TX
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:
Two bureaus are reporting two accounts for XXXX XXXX   on my credit file. I ONLY HAVE ONE. Equifax is reporting one with the correct balance of {$7000.00} and the other with the balance of {$12000.00}. My income tax refund was garnished in the amount of {$5400.00} to go towards the ONE account which brought it down to the {$7000.00} AGAIN there is and was ONLY ONE account. I have disputed this back in XXXX and even sent proof to Equifax but apparently someone did not read the information for which I have attached here too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2021-12-06
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: Account information incorrect

Complaint:
XXXX XXXX  is wrongly reporting an account on my Equifax Credit File. XXXX XXXX Account ending in XXXX is a closed account and was charged off nearly 4 years ago. If the account was closed and charged off nearly 4 years ago then the balance should be " 0 '' and not {$1200.00}, nor should it be reporting monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: BB&T CORPORATION
State: SC
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 XX/XX/2018 my credit report shows 2 hard inquiries. Both of these are fraud. Neither company can find my info in their systems or can they tell me where they got my info. Both companies say they will do nothing about it because they don't show it on their end. I assure you it's there. I am applying for a mortgage and these people are hurting my credit with all of these hard inquiries. The 2 companies are listed below. 

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a vehicle that was repossessed by XXXX XXXX XXXX XXXX  in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as XXXX XXXX for proof of the resale of the vehicle and have yet to receive 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: TX
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 reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Weiner need to understand that I do not owe XXXX  insurance. I called to stop the insurance, they mistakenly did not stop it. So they wanted to charge me a full premium for one month. I called and said they would arrange to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Attempts to get free credit report from Equifax.com have been thwarted by their incorrect security questions. Their questions ask to identify two accounts from a list of eight, for which " None '' is the correct answer, and to identify an outstanding balance, again the answer is " None. '' I get stonewalled at that point. The questions lead me to believe that unauthorized people have piggybacked onto my identity via Equifax! I spoke with " XXXX '' on XX/XX/2021 who could not resolve issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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:
The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX  ( XXXX  ) Names : XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Bal : {$59.00} ( XXXX, Experian, XXXX ) XXXX - Date Opened : XX/XX/XXXX ( XXXXXXXX ) ; XX/XX/XXXX ( Experian ) ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC 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 2020-07-22
Company: EQUIFAX, INC.
State: NE
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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation