BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-04
Company: ALLY FINANCIAL INC.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.

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 2016-03-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello, I have tried to dispute this debt numerous times with the creditor XXXX XXXX now it 's been sold to XXXX {$190.00}. I do n't know what this charge is for I was told it was equipment and have sent pictures that I returned the equipment to XXXX and XXXX. When I call XXXX to find out about it they have no record of it under my name or ssn to tell me anything and I 'm not paying on something I do n't know what it is or that it 's even my debt. I have spent so much time on the phone trying to locate this said account in my name and ssn. Furthermore, I think I had XXXX at the time and if I did all the equipment and services were paid in full I want this to stop getting reported to my credit once and for all if the creditor ca n't supply any information of what it is and I ca n't call them to dispute this than as far as I 'm concerned it 's not mine and it does not need to keep showing up on my credit report. I dispute with all three credit bureaus it gets removed and then next thing I know it gets added a month or two later again and I just want it wrote off as bad debt and not against my credit. I 'm trying to buy a house and that is one reason I want this removed but I also want it removed because if I ca n't get anything and XXXX ca n't find me with my ssn whether it was charged off or not they should have something I was never sent a final bill for the service I did have so I do n't feel this is mine anyway and each time they pull my credit for my home loan this pulls up and is affecting me so please just remove this once and for all I can just pay it too it 's {$190.00} but that 's not the point it 's the principle that there 's no information on this and I 'm sick of creditors doing this to people and my mortgage broker told me that he has seen this happen to several of his clients too with XXXX and they have ended up paying it but I 'm not going to I want to fight for all the people century link is taking advantage of and hope a class action law suit gets started against them for not sending out bills for these supposed debts. If anything is found I want it sent to my address XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
SENT SEVERAL LETTERS TO TRANSUNION. 
DID N'T GET REPONSE TO MY COMPLAIN.

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 2022-11-23
Company: Experian Information Solutions 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 attached an FTC report with inquiries I did not authorize, I also attached accounts that are reporting with errors on my credit report and need to be deleted. Please also update my personal information

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 2017-02-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This info is incorrect please remove from my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. XXXX. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO ( R ) Credit Score. Your credit report shows recent missed and/or late payments with creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XXXX or XXXX, so this is why I do not have any receipt to show my zero balance because I was not aware they would just not in XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Ok, so neither my XXXX nor XXXX XXXX ( XXXX ) card, both XXXX XXXX backed, were being updated on my Equifax credit report. These account would update every month on both XXXX and XXXX but around 6-8 months ago they both stopped updating on Equifax , the only way I could get them to update was dispute, which would take 30 days to get them to update then the information would be out of date again and I would have to start the process all over again. This should not be the case. I contacted both Equifax and both XXXX XXXX ( XXXX ) and XXXX ( XXXX ) and all of them passed the blame onto each other. XXXX and XXXX blamed and Equifax said they never received any information. So basically everyone was passing the buck and no one wanted to take any responsibility nor help resolve the issue. My last conversation with Equifax rep stated nothing they could due to get them to report accurate information other then disputing which I really did n't want to do as it does n't resolve the bigger issue but I said ok. Now 30 day 's later my 2 years of positive credit history with XXXX card has been removed from my Equifax report. This is unacceptable and I want this problem resolved permanently, and as I have had no luck with either of the companies, I am turning to you to hopefully get something done. This is a violation of my rights under FCRA as accurate information is not being furnished to my credit reports which has affected me in my credit approvals for the last 8 months. I want to buy a house next year and ca n't have these people screwing around with my credit reports. Please help me fix this. Also this dispute was not initiated by me, it was the Equifax rep who did it, so I have no idea how he coded the dispute, if it was coded anything other than verifying balance/credit limit etc then he did represent our conversation nor the issue I was calling to resolve. This has been an ongoing terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email alert from experian on or around XX/XX/XXXX notifying me that information on my account has changed. I reviewed the information provided and discovered a debt collector reported to XXXX in XXXX that I owed XXXX XXXX XXXX or someone around {$450.00}. 

I have never been contacted by any company named XXXX XXXX XXXX in any form of writing either by US mail or by email. 

It is my understanding that before any company submits any debt report to such company as XXXX, the reporting company must have first notified me of such debt and attempted to collect such debt and failed. 

As stated above, this company has not contacted me in writing and I would like to have this negative report erased as soon as possible from the credit Bureau XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion did their investigation and came back with updated information. Well I called the creditiors which i will list and they all came back and said they have no information on file. how did Transunionninvestigate without calling the creditors to see if this was my account. Also in 2013 i was a victimn of ID Theft which Transunion could havedid a better job at investigating the inaccurate information because it is still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record ) 2.XXXX spoke with XXXX Employee i.d . # XXXX @ XXXX Account number is XXXX ( No Record ) XXXX XXXX this is the same creditior so its being repored twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no Record ) 4.XXXX Account # XXXX. I have also enclosed a letter from them saying for you all to delate this off of my credit file immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Below is my email to the Equifax PR Director this morning that was returned as undeliverable : To : XXXX XXXX XXXX I feel Equifax 's online fraud alert system has issues. I generally request a fraud alert by phone by calling XXXX. Yesterday I called and the automated system stated the system for phone request for a fraud alert was not in service. It stated a fraud alert could be place online or by mailing Ecquifax. Later, after placing the fraud alert online ( without receiving immediate confirmation of receipt ) I located a telephone number on your website for phone request for a fraud alert. I called it and it is operational. The XXXX system should have provided that number for a fraud alert. 
I completed the online fraud alert request and on hitting " Submit '' my computer screen went totally white. I went back to the request page and your Terms of Service states " you are willing to receive email notification ... and if not received, provides the Equifax mailing address. There is no indication of how long one must wait to receive that notification. 
Here is the problem : your fraud alert request requires almost all personal information necessary for identity theft - name, SSAN, address, previous address, DOB, etc. Without immediate confirmation of receipt, the person requesting does not know where his or her personal information has been sent, who may have received it, or if hacking is possible. 
I called XXXX this morning and spoke with your representative XXXX. After explaining this she said my request would be " expedited. '' When asked how long " expedited '' might take, she said 8 - 10 business days - another unacceptable delay. 
I was so frustrated yesterday after the online submission that I filed a complaint with the FTC. This morning I 've received an email from the US Gov. agency over credit reporting agencies and unless I get immediate assistance from Ecquifax, will file a complaint as they direct. If for any reason I have no resolution to my problem soon, I will then follow up with the appropriate agency for the State of Georgia and, if also necessary, request assistance from my Congressional Representative who has been helpful with issues in the past. 
Please understand how disconcerting it is for consumers who feel their personal information may be at risk. Your assistance will be much appreciated. 
XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX resolution would be immediate notification of if my online fraud alert was received and by whom.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Report on Transunion and XXXX credit reports showed a new account opened with XXXX XXXX XXXX  XXXX which. I did not open. They resolved this issue at the bank then said for me to contact you to place a freeze on my SS number to prevent unauthorized use.

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 2016-05-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have some inquiries on my credit reports that I did not do. I also received a letter from the XXXX turning me down for a car loan.I called and they stated it was nothing they could do they got the info from a place called XXXX ( this is XXXX of the inquiries on my report ) I disputed this with equifax and they stated it was valid I dont understand how. Please help me I need assistance, i did not apply for a car loan I have a vehicle I just obtained in XXXX 2014. I also tried to put an alert on and for some reason I always get an error online or when i call it states i can not do it by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to view my credit report or score online through Equifax or through any other third party. Equifax has blocked access from me being able to monitor my credit report for identity theft or fraud. I have been a victim of Identity Theft and need to be able to monitor my score and report for any fraudulent activity. I have called and been transferred around and have dealt with nothing but rude people. I have been very courteous and polite when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently file a dispute with Equifax , I provided a copy of the tax document showing that XXXX issued a XXXX for the debt. Equifax only deleted the historical data and did not update the account to show XXXX balance. This is the second time that I have had this problem with Equifax and XXXX. I have attached the tax document as well as a copy of the dispute results. I do n't understand why I continue to have this problem with Equifax , I send the same information to the other credit reporting bureaus and it 's updated with no problem. I would also like to know if there is any legal action I can take against Equifax for this matter. This is the second time I have had to use CFPB to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On Thursday, XXXX XXXX, XXXX, I was offered by XXXX XXXX, on behalf of XXXX XXXX XXXX, the ability to pay off the remaining balance of the account with XXXX payments of {$710.00} on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Once it was paid I began to dispute the remaining balance on my credit report, which showed as still owing over {$3000.00}. When I received my Paid in Full, Resolved letter from XXXX XXXX on XXXX XXXX, XXXX, I submitted that to Equifax and XXXX online ( XXXX I am required to mail in the information ). XXXX has changed the balance to {$0.00}, but Equifax refuses to acknowledge that the balance is now {$0.00} as agreed upon with XXXX XXXX XXXX and XXXX XXXX. This continues to negatively affect my credit score and my ability to receive any credit in the future, and it is wrong for them to continually report that I have a balance when, in fact, I do not, and it was paid off six months ago. 

Additionally, they are reporting XXXX credit card balance TWICE on my credit report, and even though I have disputed that as incorrect numerous times, they refuse to modify my credit report to show the remaining balance once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Using Dovenmehule Mortgage Company : XXXX XXXX. I started an initial loan remodification ( FLEX modification ) in XX/XX/XXXX. 
2. I was told by the company to make 3 payments of the monthly amount and it would be completed. 
3. I followed up in XX/XX/XXXX, and was informed the remodification never started. 
4. They started the re-modification again. I was approved and had 3 trial monthly payments. On the last payment, the representative asked me to pay the approved trial amount NOT the current monthly amount ( short by less than {$100.00} ) and the remodifications was declined from their rep 's inaccuracy. I gave the date and time of call to the Loan Remodification officer I was working with, XXXX XXXX. She informed me she listed to the call. 
5. With the help of XXXX XXXX XXXX  who offers this company as a loan for mortgages, senior XXXX XXXX XXXX, wrote to them because I was being sent foreclosure letters. 
6. I applied for HAF assistance and uploaded proof of mortgage arrears. 
7. The loan modification was approved on XX/XX/XXXX with the condition that I mail in affidavits of identify, interest rate of 3 % and it's XX/XX/XXXX. They say it's effective and approved but have not yet mailed me or the other loan borrower any documents to sign notarize and mail back. 

I need the remodification papers mailed to me : XXXX XXXX XXXX, XXXX NY XXXX My Name : XXXX XXXX My # : XXXX My Email : XXXX My Loan : XXXX XXXX Contact : XXXX XXXX : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: CA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2015-05-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
hi my name XXXX XXXX Ive tried countless of times to get this matter taken care of Equifax is reporting my car loan twice on my report and it has had a negative impact on my score I only have XXXX car loan that 's suppose to be reporting also XXXX financial do not report to Equifax so im wondering how do they get the information and still reporting it please investigate asap

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FOCUS RECEIVABLES MANAGEXXXX XXXX PK XXXX, XXXXXXXXThis company listed above has reported a false claim on my credit report with XXXX stating I owe them {$200.00} from an account opened in XXXX 2014. I have called XXXX XXXX XXXX XXXX inquiring about this debt and they do not have any information regarding it. 

I have tried contact this so called company, and can not get any representative on the phone. They have not sent me any letters either informing me of this so called debt I owe. This is impacting my credit score and report and need it removed ASAP! I need to speak with someone regarding this immediately. 

To my understanding I am not the first person this collection agency has falsely accused of owing money to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive been a victim to fraud. Ive been trying to open an account but they keep telling me I have to pay back the amount & Im not really sure what to do at this point.

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