BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I applied to Morgage Relief of California to help me with my late payments for XXXX months, they put my application on hold because my mortgage company doesn't answer. I didn't even call them to give them the information, in my account statement it came as American Financial Network Inc. but they need to send the correct information to the California mortgage assistance program since the account is with cenlar and american financial and i have been calling and sending messages since XXXX so that they send me a letter explaining what is american financial & dinning together and so my mortgage assistance payment can be processed but they only tell me that they can't do that and I only receive calls from people wanting to buy my house and I don't want to lose it it's where my children live please I need help I don't know what else I can do or Where should I seek help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Account information incorrect

Complaint:
XXXX company is reporting the personnel loan as a negative account when the account was paid and closed. Also, listing late payments when account was closed and no data to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: LA
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 sent a letter on XX/XX/2022 to XXXX.however the credit bureau claims they completed the investigation and everything was accurate. 
According to the law 15 U.S. 1681a definition rules construction.the term investigate consumer report.means a consumer report or portion there for in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.with neighbors and Friends or associates of the consumer report on or with others with whom he is acquainted or who may hav knowledge concerning any such items of information.how ever such information shall not include specific factual information on a consumer credit report obtained directly from a creditor or directly from a creditor of the consumer reporting agency.I would lik to kno who did they talk to.and how did they complete the investigation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had multiple accounts opened in my name and it ruined my credit and also put me on XXXX XXXX. This is not okay

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 2023-03-07
Company: EQUIFAX, INC.
State: KY
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 account XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XXXX XXXX gave me a loan for my 2016 XXXX XXXX. The car was originally a little over XXXX $ and I am paying XXXX $ with interest all because my credit isnt the greatest

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 2023-03-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: NC
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 XXXX  This is stopping me from getting a house and car loan I have tried several times to get it remove the company didn't find anything wrong they couldn't send any proof no just saying the account was verified 15 U.S.C 1681 there shouldn't be any damages on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is engaging in improper debt collection practices. True Accord Corp has been calling, emailing, and texting me consistently since XX/XX/2022, with misleading captions of being a personal contact, such as " Let 's reconnect '' and stating they have " important information for me ''. 
I have never created or verified an account with this company and do not know what they are contacting me for as I have not given them permission to contact me by any of the methods detailed above.

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 2023-03-30
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent letters to XXXX, XXXX XXXX Equifax XX/XX/ and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly XXXX XXXX XXXX XXXXAcct. # XXXX XXXX. XXXXAcct. # XXXX XXXXXXXX XXXX XXXX-Acct. # XXXX XXXXXXXX XXXX XXXX-Acct. # XXXX XXXX. XXXX XXXX XXXXAcct. # XXXX XXXX. XXXX XXXX XXXXAcct. # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX. XXXX Inquiry I didn't authorize XXXX XXXX XXXX XXXX XXXX- Inquiry I didn't authorize XXXX. XXXX XXXX XXXX Inquiry I didn't authorize.

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

If any of the purposes are not present please investigate and delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NC
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:
On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
GIVING MY INFORMATION WITHOUT MY PERMISSION AND GIVING WRONG INFORMATION... THESE ARE NOT MY XXXX ... XXXX ... XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX AND XXXX XXXX # XXXX ... I DIDN'T MAKE ANY OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MI
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 believe some has been using my information I have no affiliation with XXXX XXXX XXXX XXXX I would like this collection account immediately removed from my profile if someone believes im wrong please provide me with the original documents I gave signed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have reported numerous times, direct proof of my accusations, and my complaints have not been addressed or resolved. Well XXXX sold my mortgage to M & T Bank. 
The claims and documentation from both mortgage companies does not reflect each other. 
The information provided is false, I was being reported to the credit entities at the same time by XXXX XXXX and M & T Bank mortgage companies along with a fraudulent trail e account that has in numerous occasions changed names from Tradeline, Loan, to Rearrange. 
My past complaints to the CFPB has addressed many of these punks record documents reported falsely against me and my credit worthiness. 
M & T Bank closed my mortgage account in XX/XX/2022 and reported my account as bankruptcy. 
This is false I did not file bankruptcy at that time. 
I have a seed to my land I purchased prior to the contract or construction of my home being built. 
M & T bank has claimed this to be theirs. 
I have constantly endured unfair, unethical, treatment, concerning my mortgage. 
I am a 100 % XXXX XXXX Texas XXXX XXXX. 
My Va Loan benefits were used to purchase my home and the information M & T has claimed does not reflect the documents from the VA or my original FIRST mortgage.

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 2023-03-30
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: OH
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:
When I review my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounst below : XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXXXXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX recently issued by Comenity Bank ( it was previously issued by XXXX XXXX XXXXXXXX and I never had an issue with it ). I sent them a scheduled payment in the amount of {$86.00} on XX/XX/2023. I was notified at a later date ( the XXXX XXXX XXXXXXXX ) that I had not made my payment and I contacted them on XXXX occasions to let them know I had sent the check. I was asked to wait a few more days and see if it cleared. When it didn't, I contacted them again and said I would make the following month 's payment, due in XXXX, to include what had been due in XXXX. I was told that the late fee would be waived, and I proceeded to cancel the check with my bank ( at a cost of {$30.00} ) that appeared to be lost. I then sent the bill I received for the amount due in XXXX ( they didn't waive the late fee for XXXX, they left it in the bill ) in the amount of XXXX via certified mail to make sure it arrived. On the same date I mailed my IRS due payment and my XXXX card payment. Both of those have since cleared my account. Not the Comenity payment, however. I have proof from the US Postal Service that it was delivered on Monday, the XXXX XXXX XXXXXXXX at their XXXX XXXX XXXX XXXX, TX. I called XXXX yesterday, the XXXX, and they said it hasn't posted and they would file a dispute. I want this resolved so that I can close my account with them and cut up the credit card. I have a credit rating of XXXX and several credit cards that I have been paying in full, on time, for many years. I don't know what Comenity 's problem is, but I don't want my credit effected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: OK
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 Fifth 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation