BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Savvy Money, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report shows I am delinquent but I have not open accounts that are delinquent. 
Only open account I have are mortgage company and I pay in time. 
A bank loan that for RV that I pay on time. 
I was in XXXX  XXXX bankruptcy three years back and paying the trustee. 
XXXX XXXX in Illinois. 
My credit report shows paying two of three on time. 
No clue what account is not being paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: AR
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 been a victim of identity theft. I have filed identity theft report with the FTC.GOV website and all XXXX credit bureaus. There are several credit inquiries I did not authorize and are not linked to any existing accounts. I have reach out to all the credit bureaus and to the companies falsely reporting this information without my consent on my credit report. 

The companies are as listed : XXXX XXXX XX/XX/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
Consumer complaint received 2023-06-07
Company: Genesis FS Card Services, Inc.
State: WV
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:
A card through a destiny credit card company was opened in my name. I didnt know about the card until they started calling me for collections. Ive contacted the company to resolve it twice. They say theyre investigating it again. Im trying to refinance my mortgage but this is showing up on my credit line. I tried to pay it off just so I can get the mortgage loan but they wont let me pay it either because its reported fraudulent. At first the company said o could pay it out of a savings account. I told them I wasnt comfortable giving them access to my savings since its fraudulent charges to begin with but I could pay another way. They sent me back to their fraud department and said they would look in to it again. Thats when I contacted this government fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A promissory sent to XXXX XXXX XXXX to satisfy the debt obligation for the transferred mortgage which Amerihome wasnt the original lender yet bought it from another lender. You cant buy and sell debt once a debt is bought its satisfied. Yet Amerihome refuses to settle out the account. A note for the full amount was sent and kept. However never crediting the account along with 1099-C. Account still open and not credited or closed out properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: MI
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:
I have spent feverishly hours with Experian, XXXX and XXXX to help clear up the abuse and fraud on my credit report. After many days and hours and exhaustion, I am requesting help from you! 

As a veteran of the Country and all sacrifice, I have given, I have never seen something so miss treated in my life. Because of COVID and a bad year and doing everything right, all three credit bureau and the Crediter can not get on the same page and clear all the information as requested under 15 USC168b permissible person I never was contacted by anyone?

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 2023-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
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:
This is the second instance where I am challenging these entries on my credit report, yet no concrete actions are being taken to rectify the situation. It seems as though a thorough investigation isn't being conducted ; instead, the items are simply being verified automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$3100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I recently checked my credit report, then found out there is credit cards charged off from XXXX, XXXX XXXX and XXXX XXXX under my name. It looks like someone else used my informations to open these accounts. As I NEVER opened these accounts. Please remove them from my 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 2023-06-16
Company: Experian Information Solutions Inc.
State: AR
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:
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 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 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 2022-12-06
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: Account information incorrect

Complaint:
This is a follow up for Complaint # XXXX. I spoke with XXXXsupervisor at Equifax dispute dept and advised him I will be taking legal actions if the following accounts are not corrected to a positive payment history and balance zeroed out. I also demanded him to remove inquiries as well. Reporting inaccurate information on my consumer report is against the law and my right to privacy. It has also caused me severe hardship ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$54000.00} INQUIRY : XXXXXXXX XXXX XXXX  XXXX DATE : XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX INQUIRY : XXXX - XXXX SERVICE DATE : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: OneMain Finance Corporation
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I walked in the office expecting a {$1000.00} personal loan but then was pressured into taking out a much more expensive collateral loan. It just didn't feel right. They kept insisting on taking out a more expensive loan which ended up costing me more in the end. I went from thinking I was going to get a {$1000.00} loan into being pressured into taking out a XXXX collateral loan. All of this happened in XXXX of 2020. As a result of this I fell on financial hardship and defaulted on the loan so now I'm being sued for a loan that I felt like I was forced to take out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus 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 accounts : XXXX XXXX XXXX Balance {$2.00}, XXXX XXXX XXXX  Balance {$0.00}, XXXX XXXX XXXX  Balance {$250.00}

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 2023-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had a hard inquiry on my accounts that I did not make on XX/XX/XXXX. Company phone # XXXX and it's no longer in service. I've had problems in the past before identity theft. I'm going to get XXXX XXXX tomorrow. I think they tried to get a card or a loan. That was denied. Company address is XXXX ( travel-entertainment ) XXXX XXXX XXXX XXXX Ohio 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had an XXXX XXXX XXXX credit card ( administered initially by XXXX  XXXX XXXX ) for XXXX without issue, always paying my full XXXX balance each XXXX through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine XXXX XXXX XXXX expenses. A XXXX XXXX ago, my credit card account was transferred from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small XXXX ( non-delinquent ) balance of a XXXX XXXX XXXX  was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. XXXX began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with XXXX. They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last XXXX digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called XXXX with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

The letters are stated with items and issues.

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 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 2023-05-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the debt with XXXX Credit reporting agency several times. Ive submitted police reports, ftc complaints, and all other required documentation to proove the negative closed account Comenity Capital XXXX and the collection account Innovative XXXX XXXX are not mine. 

XXXX continues to report fraudulent Accounts onto my credit profile. These accounts do not belong to me. I have informed them of the following I have not supplied proof under the doctrine estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently went to qualify for a home loan and to my surprise an old XXXX XXXX Account appeared - this was fine as I am aware, but it was reporting that I was late as of XX/XX/2023 ( last month ). The account was closed, marked as paid, and settled but it is still appearing. XXXX XXXX says the can make no representation on how the account appears and Im at a lost.

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 2022-06-10
Company: AC AutoPay LLC, Denver, CO Branch
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Autopay.com is the company. I have been having Title issues with getting sent to the Department of Licensing. Vehicle was refinanced XX/XX/2022 and current lien holder does not have the title it is now XX/XX/XXXX. Trying to get a hold of the title department is terrible. They do not answer phones and do not give you a straight answer. I simply asked for the tracking number of the package of the title to prove it was sent to the right DOL. They did not give that to me. I asked several times from their customer representatives to ask the title department for an update on the title and they don't have a digital system that can tell them where those issues are or WHAT the issues are with the title. It has been a frustrating month trying to get my vehicle title information updated, and it is because of those companies lack of urgency to transfer titles to the proper parties ( the DMV and the New Lienholder )

Company response to consumer: Closed with explanation