BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 2023-10-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a CITI Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for 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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi, on XX/XX/XXXX I started receiving several inquiries. The inquiries have turned into actual accounts and need to be closed and removed immediately. I added a fraud alert on my credit report on XX/XX/2023. Per the alert, I am supposed to receive a call confirming the validity of each account before it is opened. Two companies failed to do so and failed me as a consumer. The companies are listed below : XXXX XXXX XXXX XXXX XXXX Each company has already been contacted and nothing has been resolved thus far.

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 2023-02-25
Company: Prince Parker & Associates
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX of 2022 we were looking to get new phones for the clinic since our old phones were very old. We contacted XXXX a phone company saying that they would give us new phones for a fee. We paid that. In a week they took our phone number from XXXX XXXX XXXX and left us in the dark. We had no phone line that worked! XXXX didn't inform us that they would take our phone number ( XXXX ). We stated that we didn't want that to happen. Still no phones were working. I had to use my personal cell phone to receive clinic calls which on one at XXXX helped us with. XX/XX/XXXX we asked XXXX XXXX XXXX to port over our phone number ( XXXX ) back. They said it would take a month. XXXX XXXX XXXX offered a cell phone while they worked on getting the phone number ported. XX/XX/XXXX of 2022 they promised to get the phone lines back up and running. That was a lie. I spoke with XXXX XXXX XXXX every day and someone offering broken promises. XXXX rolls around and still no phone lines. We lost so much money due to XXXX and XXXX & XXXX! We eventually turn to a local phone company named XXXX in XXXX, XXXX XXXX we returned the XXXX & XXXX cell phone when we finally got our phones ported to XXXX. XXXX XXXX XXXX and XXXX still claim we owe them money for services we never received. This has put a strain on our business and team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, TransUnion, XXXX, XXXX, Lexis Nexus Core Logic, or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.

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 2018-03-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Company, Nationstar dba Mr Cooper, offered me a trial modification in XX/XX/XXXX. 

I accepted and made my first of three payments by phone of {$540.00} in XX/XX/XXXXeven though it wasn't due until XXXX. My second payment due in XXXX was paid on XX/XX/XXXX on-line. I have proof of the cashed check from my bank statement and it posted on XX/XX/XXXX. 

Mr. Cooper couldn't locate the payment when I called to make the third and final payment and told me the modification had been canceled. After several phone calls they said they still couldn't locate the XXXX payment and the house was in foreclosure. 

On XX/XX/XXXX, after speaking to the Resolutions Department I faxed the Research Dept. ( fax XXXX ) a copy of the bank statement that showed a payment was made in XXXX in the amount of {$650.00}. The amount is higher because that was the only payment the on-line system would take. 

Today is XX/XX/XXXXand I have still not heard from Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I filed a complaint dispute on XX/XX/22 for a bankruptcy that does not belong to me, that is showing on my credit report. On XX/XX/22 you responded back thru the CFPB portal, that you conducted an reinvestigation and that XXXX XXXX XXXX XXXX AS REPORTED. I have contacted the public record vendor which and asked them to verify the accuracy of the information with which you disagree. I contacted XXXX and they sent me a letter and a report showing that they could not verify that this bankruptcy belong to me and that they removed it from their files. I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for the LAST time for Transunion to remove the bankruptcy that does not belong to me off my credit report within 15 days and all fraudulent tradelines showing on my report that list that they are under bankruptcy. As I am a litigious consumer, I trust that Transunion will correct the issues I have brought to their attention to remove expeditiously. Let me clarify what I am asking to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer 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 2022-11-28
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: Information belongs to someone else

Complaint:
I have been disputing the following unauthorized inquiries to be removed from my credit report for the last 3 months and the bureaus have not responded to any of my letters. Listed are the inquiries that was unauthorized and needs to be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
Company: Kikoff Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company called me today. I called them back to see what they wanted. They demanded my social security number first thing, and when I asked if we could continue without me divulging that information they hung up. Sounds like a scam. I thought to myself, so I called them back and got the name of their company for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: Khoury Alternative Claims Management
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Application, Inquiry Date XX/XX/2022. Company using my SSN to obtained the funds from completed and incompleted applications, while I receive no credit in return for what I applied for. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, Credit Consumer is denied based on information obtained from third parties other than consumer reporting agencies bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Adverse action was taken based on information furnished by a corporate affiliate of the person taking the action. Adverse action was taken based in whole or in part on information in a consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: IN
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their 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 explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX  ACCT # XXXX DATE OPENED : XX/XX/2013 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
XXXX- Incorrectly showing balance due and there was a late payment in XXXX. This account was never late and was PAID IN FULL/Closed by consumer in XXXX of 2022. I've made multiple written requests to validate the late payment and/or balance due and it has been more than 60 days with no response. I've attached my XXXX bank statement as evidence of payoff. Please update this account to a {$0.00} balance, never late or delete the account in its entirety.

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 2023-04-19
Company: Zions Debt Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice from XXXX of a collection from this collection agency of a debt from XXXX who was bought in XX/XX/XXXX by another debt collector and was included in the bankruptcy I filed on XX/XX/XXXX because I dont owe or never owed XXXX anything beyond my contract with them.They have opened an illegal account and placed this collection once again on my credit report and it needs to stop. I filed bankruptcy for relief from debt I dont owe, not to be recharged by other debt collection agencies and placed on my report to hurt my credibility. Vivint cant be reached by the CFPB as was stated in the case from XX/XX/XXXX which lead to being reported to FTC in the final resolution. I have provided proof of the original debt and the dates which were years ago not XX/XX/XXXX as shown on this bogus debt. I had no service with XXXX at that time, the contract had expired because it was completed. To this date this agency and other collections agencies continue to buy this debt and come after me. This needs to stop. It is not a valid debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Innovate Managed Holdings, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a claim against Innovate Loan Servicing Corporation, also known as Innovate Auto Finance, for their failure to report my auto loan to the credit bureaus. On XX/XX/XXXX, I took out an auto loan for {$34000.00} to purchase a XXXX XXXX XXXX XXXX, with an annual percentage rate of 20 %. 

Since then, I have made on-time monthly payments of {$830.00} through the platform ils.theinnovatecompanies.com. 

However, when I attempted to refinance my auto loan with a different company in the first week of XX/XX/XXXX, I was informed that my auto loan did not appear in my credit report. 

Upon checking my XXXX XXXX account, I discovered that Loan Servicing Corporation had not reported my auto loan to any of the three credit bureaus - XXXX, XXXX, or XXXX. 

I contacted the company on XX/XX/XXXX, and spoke to XXXX XXXX, who assured me that they would send emails to the credit bureaus to rectify the situation, and that they would call me back in two days. 

After a week passed without any communication, I called Loan Servicing Corporation again and spoke to XXXX XXXX, who provided me with the same response. She told me that the company would call me back, but they never did. As a result, I continued to lose money as I could not refinance my auto loan with a better interest rate. 

I called Loan Servicing Corporation again on XX/XX/XXXX, and spoke to XXXX XXXX, who informed me that the company had already sent emails to the credit bureaus. However, when I contacted XXXX and XXXX, they confirmed that they had not received anything. 

After speaking with XXXX XXXX, I requested to speak with his supervisor, but he refused to connect me. I called Loan Servicing Corporation again on XX/XX/XXXX, and spoke to XXXX XXXX, who provided me with the same information that they would contact their supervisor to resolve my situation. 

On XX/XX/XXXX I submitted a claim with the XXXX XXXX XXXX, and they tried to reach the company in several occasions, with no success. 

I am frustrated with Loan Servicing Corporation 's lack of responsibility and inability to resolve a simple issue. It is their responsibility to report my loan to the credit bureaus and follow the law, so I can refinance my car with a different company. 

I called XXXX again, and they opened a case number XXXX so that Loan Servicing Corporation could send my loan information via fax to resolve my situation.

I have made multiple attempts to contact Loan Servicing Corporation, and I am no closer to resolving this issue. I feel as though they are mocking me and disregarding my situation. I need to resolve this issue as soon as possible, and I request that the Consumer Financial Protection Bureau intervene in this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-11-28
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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