BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
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:
You are completely In violation and knowingly and willingly reporting fraudulent inquires your agency did not did not do any investigation on the fraudulent inquires you are reporting. I have contact all companies supplied them with my police report and my FTC affidavit as i was told to do by the police station and also by CFPB and they have no such application under my name .1. I have contacted the creditors directly ( multiple times ) and was information they have requested to have this fraudulent inquires removedI am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately : It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. the fraudulent inquires need to be deleted immediately or I will seek legal representation without further notice and will use these responses and dispute as proof of your neglect and violation of the FCRA and Identity theft laws. The following inquires that are fraudulent as follows XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
The ( 3 ) three credit Breaus are reporting inaccurate inquiries and debts on my credit report 1. XXXXXXXX XXXX  2. XXXXXXXX XXXX XXXX 3 XXXX Bank 4.XXXX XXXX 5.XXXX XXXX Bank 6XXXX 7XXXX XXXX I've filed several disputes and nothing has been changed and I've also did my share of investigating and found that they have mixed my credit file up with someone's social ending with XXXX please.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-09-30
Company: EQUIFAX, 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:
I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Someone opened a capital one card in my name. Now my credit is bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
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: Reporting company used your report improperly

Complaint:
EQUIFAX MANIPULATED MY CREDIT SCORE, CAUSING MY CREDIT SCORE TO DROP XXXX POINTS. THUS THIS HAS CAUSE ME HARM BECAUSE OF THEIR ERRONEOUS AND IRRESPONSIBLE CREDIT REPORTING. EQUIFAX CHANGED THE STATUS OF TWO ACCOUNTS THAT ARE CURRENTLY INVOLVED IN A XXXX BANKRUPTCY TO SHOW CHARGE OFF STATUS AND MULTIPLE LATE PAYMENTS, THUS VIOLATING AN AUTOMATIC STAY. EQUIFAX IS IN VIOLATION OF THE FCRA 15 USC 1681 AND 623 ( a ) ( 1 ) ( A ). THE FOLLOWING TWO ACCOUNTS ARE REPORTING INACCURATE AND VIOLATE FEDERAL LAW UNDER THE FCRA : ACCOUNT NAME : XXXX XXXX  XXXXACCOUNT NUMBERXXXX XXXXACCOUNT NUMBERXXXX. I WILL SEEK MONETARY DAMAGE OF {$1000.00} PER VIOLATION AND HAVE FILED A NOTICE OF INTENT WITH THE FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A person who maybe have fake name and fake XXXX  account called XXXX and also a fake XXXX account under XXXX Was able to fraud and scam me and several of my friends In her XXXX account you will be able to see that she scammed XXXX XXXX people so far She was able by sending a links to hack my bank and transfer the amount of XXXX $ and that all what was in my bank in that time That person used XXXX application that was inside my bank account While XXXX was never authorized to be in my bank my bank is Bank of America i tried to call them and solve the problem with them several times and everytime they will file a case and let me wait for almost a month before they will answer that they decline my complainand they cant refund the money since XXXX is insecure and cant access the scammers account My bank was suppose to be secured bank and not allowing fake people to fraud us and steal our money Last final call was made today to BOFA and after 1 hour in the phone they end telling me we cant help you and you can close your bank account if you want and file a police report or FBI report More information and proves and pictureand phone numbers of the scammer and phone numbers of other victim of the same scammer i can provide when requested by you Thanks

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 2022-12-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Paypal 's website states that money transferred can be accessed immediately, but this has not been my experience. On more than one occasion, the money is held for as long as 60 days. Today 's transaction is now being held for 30 days, when it's an emergency situation trying to get money to a friend for food.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
REMOVE DATE XX/XX/XXXX AMOUNT {$13000.00} AND XX/XX/XXXX AMOUNT {$870.00} DATE XX/XX/XXXX AMOUNT {$3100.00} AND DATE XX/XX/XXXX AMOUNT XXXX AND DATE XX/XX/XXXX {$600.00} REMOVE ALL UNAUTHORIZED ACCOUNT AND BALANCES FAST REMOVAL ITS BEEN MORE THAN 60 NO RESPONSE ON WHY THIS IS HERE ON MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CITIBANK, N.A.
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:
Hello, I have sent multiple dispute letters to XXXX to dispute a Citi Bank credit card account that is showing on my credit report. This is not my account. I have even tried contacting Citi Bank to see what this account is, even offering to pay any balance in hopes to get the collection off my account and they could not provide any information on this account due to them not being able to locate any open or closed accounts with my Credentials. I have tried contacting the collection agency reporting on my profile and they can not locate an account with my name, dob, or ssn. I have been trying to resolve this issue since late February when i first noticed it showing. I have called XXXX to inform them of what is happening, and the representative submitted another dispute that is now showing closed, but no corrections or errors have been updated. Now when i try and call XXXX for an update on the investigation i am unable to get through the automated system to a representative. I am unsure if there is something wrong with the phone lines. I am trying to purchase a home, and this is delaying the process. I can not get help from the Credit card company nor XXXX. 

I can be reached at XXXX or by email XXXX Thank you!

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 2022-08-03
Company: EQUIFAX, INC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Commonwealth Financial Systems, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already reached out to Commonwealth Financial Systems and informed them the original debt owner adjusted the debt due to an internal error and my account with XXXX XXXX XXXXXXXX XXXX has been adjusted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 1666b. 

XXXX  account # XXXX days late on XXXXXXXX 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 2022-08-03
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I've attempted numerous times to call and was directed to mail and/or send my request through the website which I've tried both countless times. 

Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unrecognized inquiries that I did not initiate on my credit report. When I contacted and informed the Credit Bureaus they refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : PORTFOLIO RECOVERY # XXXX XX/XX/2018 {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: EQUIFAX, INC.
State: TN
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 checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX  XXXX XXXX  # XXXX XX/XX/XXXX {$730.00} XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
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:
I overnighted a check to payoff my vehicle and Nissan said it got lost. I need know where the check is someone signed for by name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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  " reviewed '' my credit report ( not by my request ) as a way to increase or decrease my available credit on my XXXX XXXX XXXX. This is the third time in less than two years that they have decreased my available credit. Each time they have relied on credit information that is not correct and have not been willing to correct the issue. I have attached the letter from XXXX showing their reasons for this third decrease, and also attached pages from my credit report ( using the same reporting agency that they used ) showing that their information is FALSE!!!! XXXX continues to discriminate against me by continuing to lower my payments to the amount of credit that is outstanding on my account. This makes it look like I have used my card to the limit ( which is what they say I am doing on other cards and the reason they decreased my limit on my XXXX card ) I am using 22 % of my available credit ( which is over {$15000.00} ). The reasons that XXXX provided on a letter lowering my credit report are not FACTUAL, and XXXX should remedy this IMMEDIATELY. It is because of XXXX XXXX  ( that finances XXXX ) that my credit is being denied as they continually lower the limit on my cards making it look as though I am charging to the limit. They are hurting my credit score.

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 2017-09-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I had been corresponding with XXXX XXXX, my designated Asset Manager, at Bayview Loan Servcing since XXXX of XXXX and his supervisor XXXX XXXX about completing a mortgage loan modification. I indicated that I wanted to proceed with an in-house Bayview loan modification - and not a HAMP modification, which would keep my interest rate at 2 % for a period of time, which was confirmed as an option by XXXX XXXX at Bayview Loan Servicing. Afterwards, Bayview proceeded with offering me a HAMP modification anyway. I sent a letter declining their offered HAMP modification loan, per XXXX XXXX 's request. They sent me HAMP loan modification documents anyway and I was told that if I signed them that my mortgage loan would be brought current as of XXXX/XXXX/XXXX by XXXX XXXX. After an extending period of waiting ( 6+ months for the Bayview in-house modification offer to come through without response ) and during a time of serious duress and illness, I signed the documents so that I would be brought current with my mortgage. My mortgage was then permanently modified under a HAMP modification ( with the conversation completed in XXXX XXXX ) and then my mortgage was only brought current to XXXX of XXXX. When I brought this issue to the attention of my designated point of contact at Bayview, XXXX XXXX, he said that there was a modification conversion error by XXXX XXXX and that he escalated it to his manager for resolution. XXXX promised me that if we could n't resolve the issue that he would approve me for a repayment plan and that it would be a very quick process, just a few minutes. I sent in all documentation that XXXX requested of me which included a new modification application ( from me and XXXX from XXXX XXXX XXXX ) but never heard back on resolution or a decision. I sent a formal complaint to Bayview and never heard back. I then learned that while I was working with XXXX XXXX at Bayview towards resolution of my home mortgage that a foreclosure sale was scheduled for XXXX XXXX, XXXX - which was dual tracking I believe. After I hired legal representation ( XXXX XXXX ) to assist me and humbly pleaded with XXXX XXXX to work with me to prevent my mortgage foreclosure, he had the appropriate staff at Bayview put a hold on my mortgage foreclosure sheriffs sale, and increased my past due balance from the technical amount that I am behind of {$710.00} x 11 =  {$7800.00} to {$11000.00} which includes their foreclosure attorney fees and other fees. I offered to pay my total past due balance ( excluding attorney 's fees ) which was refused. An unrealistic repayment plan was offered and refused at the recommendation of my attorney.

Company response to consumer: Closed with explanation