BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: MD
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 out a letter to Equifax about one ( 1 ) account on my credit report ( XXXX XXXX  XXXX ). I have asked Equifax As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for that account. I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Equifax signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter ( 66 days to be exact ) and Equifax signed the receipt. I have never received the contract that contain my signature which I repeat is my right under the section 609 of the FCRA and Equifax keeps reporting that account ( XXXX XXXX XXXXXXXX ) to my credit report. I would like to notify you that the account has been removed on my XXXX and XXXX credit report. Why can't Equifax do the same? Does XXXX XXXX XXXXXXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately that account from my credit report. I have attached to this statement the USPS return receipt and the copy of the original letter that I have sent to Equifax. Please CFPB help me fix this issue. Equifax is getting money from big companies such as XXXX XXXX  XXXX to keep information of people credit report no matter what and that is a shame!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 an account from XXXX XXXX/XXXX XXXX that is a fraudulent account reporting on my credit. I have filed a FTC 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 2019-08-18
Company: Innovis
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX1. Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,oh XXXX XXXX XXXX XXXX XXXX,ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Ditech Financial is currently in bankruptcy. Four months ago they sent a letter instructing us to start making our mortgage and insurance payments separately. They also changed our one account number to two different account numbers. We followed the instructions and its been nothing but issues. Ditech is claiming we have not made any insurance payments. We pay via bill pay. We have called multiple times, our credit union called them, we have sent proof of payment, our credit union has sent proof of payment. We have written letters, sent certified letters, verified the account numbers. When we call they simply say we did not make the payments; they have not responded to the letters. All of the payments have been made, all on time, proof of payment has been sent and they refuse to correct the account. This is not a clerical error, what they are doing is criminal. Has anyone seen the amount of complaints against them?  Its unbelievable, they are ruining peoples lives and nothing is being done about it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$5100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.

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 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
m filing this report because I applied for aXX/XX/XXXXcredit card a few weeks ago and was not approved now today XX/XX/20 I received a letter in the mail stating that the reason I was not approved was because of an account in negative standing on my credit report. I didn't know what account they were referring to so I looked through my credit report and I was an account from a company called XXXX XXXX XXXX for an amount of {$130.00} in negative standing on my report. This account is not mine ; I never opened that account and I did not allow anyone to open it on my behalf. I did not benefit anything from that account such as money, goods, services or any other benefit nor did I ever make payments towards that account. I do not have any sort of written/verbal contract with that company and I have never given them permission to access my credit file. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.

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 2020-10-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate as unknown things on my credit report. To this day, over 39 days later, I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 39 days so they should be promptly deleted. I demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Oh boy, am I upset!!!! 

ERC ( I believe thats the company ) has been reporting a collections account on my credit report for a couple YEARS now! I have disputed it twice and each time its come back verified. Impossible, due to the fact I dont have an account with XXXX - and never did. XXXX since 2007! Last week I FINALLY received some form of communication from this collection company. They sent me a sprint bill for an address Ive NEVER lived at! I immediately contacted sprint, seeing as how theyre the original creditor. The customer service rep, XXXX, actually told me he had no record of me holding an account with sprint, let alone owing them! I told them ERC is reporting a DEBT COLLECTION for XXXX. XXXX CUSTOMER SERVICE REP THEN SAID ERC DOES NOT OWN THE RIGHT TO COLLECT ANY DEBT ON THE BEHALF OF XXXX this is ILLEGAL. I called XXXX with intentions on paying a bill that I DID NOT OWE, just to rid myself of ERC! Turns out theyre reporting a fraudulent account and causing me emotional stress over a bill that isnt mine. Thank XXXX I contacted XXXX. ERC, please stop reporting this account to the credit bureaus. I have contacted the original creditor and confirmed I do not owe any monetary payment to their company. This is illegal. You guys have a track record of purchasing debt for fraudulently opened accounts then harassing customers for 7 years if youre able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
there are several inquiries on my report not done by me all fraud

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 2019-06-26
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:
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, DEPTEDXXXXT XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXXT XXXX accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I have a student loan but they are not the one.. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.

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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've not only disputed a debt that is not mine with TransUnion but have also had the bank that they claim " reported '' the data has been working with me to prove the data is not mine. Today I receive a letter from TransUnion saying they verified the information was mine but according to the bank XXXX XXXX  XXXX XXXX XXXX, TransUnion never requested information regarding any account under my name or social security number. Thus TransUnion continues to report wrong information on my credit. 

I've filed dispute in the past where they had wrong information on my credit ( never had the issue with XXXX  and XXXX  XXXX. When I called today the lady I spoke with not only was rude but also informed me that " It's not possible for wrong information to be reported on your credit. '' After I explained that it was and still is impossible to obtain a home loan at the age of XXXX she said " It's your account, it doesn't matter if you opened the account or not. '' TransUnion refuses to accept facts in this case and furthermore the lady had also informed me that a dispute is " Not to be used to verify accuracy of information '' I want this on file with the CFPB before I start filing suit as TransUnion will NOT accept any evidence, in the past I've sent certified copies of my IDs, Social Security Card and Birth Certificate, today the lady called me a liar and said I had to prove who I am again. 

TransUnion doesn't take matters like mine seriously, again they are the only credit agency reporting the wrong information and they refuse to fix it.

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 2022-04-29
Company: EQUIFAX, INC.
State: AL
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 copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Certified mail was sent out on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Experian Information Solutions Inc.
State: AR
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:
EXPERIAN ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.

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 2020-10-25
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Since XX/XX/XXXX, I've made 6 attempts to get the lease-end buyout package from Southeast Toyota Finance. I, ve leased the vehicle on XXXX and according to the lease agreement, I can buy it at the end of the lease term ( XXXX ). Southeast Toyota is giving me the runaround and kept sending me quotes of {$15000.00} or final payoff amount {$14000.00} ( tax not included ). Attached to this payoff, was a contract requesting my signature and instruction to go back to XXXX XXXX, the dealer to negotiate the tax amount. 

At the end of the lease term ( XXXX ), Toyota will have received from me {$12.00}. According to the lease agreement, I can purchase the vehicle for the amount of {$12000.00}, unfortunately not specified. The bank needs the information to process my application but Southeast Toyota Finance refused to provide me the end-lease buyer package. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a T.J. Max credit card. It was my first credit card and I had no idea they were charging me 28 % interest. So when I hurt my foot and could not work, I fell behind. The interest and late fees are astonomical. I called to ask if they could delay or set up a reasonable plan to help me catch up, but they won't do anything. I closed my account, but still have this huge bill. The interest and late fees are most likely more than any purchases I ever made. I feel they are double charging me interest, and it is so complicated, I can't figure out what is the correct interest. Companies like this should be outlawed to protect people like me who work hard, but do not have a substantial income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: CT
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my passport as proof of my identity, and a utility bill as proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: U.S. BANCORP
State: MD
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:
I noticed an inquiry on show up on my credit report that I didn't authorize or initiate. It seem to have taken place sometime XX/XX/2023.

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 2022-12-13
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with Navy Federal Credit Union in regards to a pre-order purchase made with a merchant on XX/XX/2021. After presenting all emails to the merchant showing they have not responded, NFCU has stated that there was no error in the purchase. This is incorrect. I believe that after a year of no notification from a company and then failing to deliver a product warrants a refund or a charge back should said company fail to reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: JPMORGAN CHASE & CO.
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Cadillac Accounts Receivable Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello. I have an account with Cadillac accounts receivable. The highest I owed was XXXX $ I started a payment plan of XXXX $ a month to be paid on the first of every month through them XX/XX/2018. Everything went according to plan until we got the the last 2 . For what ever reason it was never deducted from my account. I have tried on numerous occasions to contact the viea phone calls. It's been over a month and no return phone calls were made to me. I want to be done with this as soon as possible. My credit is being affected at this point and it unacceptable. Please help me make them take my 2 . This is getting to be silly.

Company response to consumer: Closed with explanation