BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is false! On this account, I've never been late! I'm always on time. This is deceptive information. By reporting this false information, you are destroying my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to computer issues I was not able to access Shellpoint 's response to complaint XXXX but this is a complaint to it. It's been 3 weeks since XXXX in escalations told XXXX from HUD and me Shellpoint would give 30 days to hold foreclosure and send a breakdown of the $ XXXX they say is owed - nothing has been received. XXXX also stated they would send me the {$52000.00} they receive from XXXX XXXX XXXX- they have not. Shellpoint says XXXX - XXXX is missing but they already stated they received XXXX - XXXX, XXXX, XXXX, backup has been sent. Shellpoint mentioned XXXX - XXXX was missing but backup copies of cancelled checks and bank statements were sent that they are ignoring. This proof of payments should lower the $ XXXX Shellpoint says is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First main issue is that Afni , Inc account appeared on my Credit File as a new opened account XXXX, XXXX, in the amount of {$2100.00} that went into collection the same month it was opened. Which is showing as derogatory and hurting my good credit that I have worked tirelessly to build. I have disputed with all 3 bureaus because 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is fraudulent scamming activity and 5 ) this happened in XXXX twice and earlier this year but under a different name for XXXX XXXX XXXX with the same issue that I opened the account the same month is went delinquent. However, when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this XXXX XXXX XXXX collection and requesting they provide proof, and they always tell me they do not have me owing them because I do not have an account with them. 
In fact, two of the bureaus XXXX and XXXX I have opened more than one dispute because I was dissatisfied with result. Which has led me to use my right to make formal complaint against XXXX, XXXX and AFNI , INC. 
It should also be noted that because of the last complaint and issue with this fraudulent item that fraud alert has been placed on all three bureaus. 
I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 
The right and fair thing to have the credit bureaus remove this inaccurate/fraudulent information from my credit file because it is not mine. As well, as for AFNI , INC, to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents for me to provide because again I have never been in a signed contract with AFNI , INC nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

Respectfully Submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX Received an automated text from Macy 's stating " register your new account online ''. 
Action taken by me : None at the point. 
XXXX Received an email notification from XXXX XXXX  stating " new credit inquiry added to your report ''. 
Action taken by me ( XXXX XXXX  ) : Opened my XXXX account and checked further details- found out about new inquiry made by Macy 's as on XX/XX/XXXX. I did not make this inquiry hence do not recognize the same. 
Further action taken by me ( ~ XXXX XXXX  ) : Contacted XXXX XXXX XXXX credit bureau XXXX Case was generated and expected to be followed up within 3-4 business days. 
Further action taken by me ( ~ XXXX XXXX ) : Contacted Macy 's. Call was transferred to XXXX from FTC who asked several questions and reported to have blocked the new application process that she noted was " pending approval at that point ''. 
Action taken by XXXX ( ~ XXXX XXXX ) - Requested to change my account password at Macy 's. 

XXXX Received automated text notification by Macy 's stating " register your new account online '' ( similar to initial text received as on XX/XX/XXXX ). 
Action take by me : ( XXXX XXXX ) - Changed password and deleted linked credit cards. Also writing this report to CFPB.

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 2022-12-11
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
My Comenity Sony branded visa has not been updated on my credit report since XXXX. I realized the lack of updates and contacted the company on XX/XX/XXXX. I was told there was an error in updating credit reports and it would be fixed within 45 days. The balance still remains on my report. I also reached out a second time and got a generic message that it would be handled. I am delaying a purchase because this balance ( that doesnt exist ) is negatively impacting my score. Interest rates have now risen. I am negatively impacted financially by this. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: NY
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:
While reviewing my credit reports from XXXX, I found several inquiries not authorized by me. As such, I filed an FTC Identity Theft Report and want these inquiries promptly removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 : It 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 2022-08-23
Company: U.S. BANCORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
USBank has an issue with their automatic payment system. Twice now we have had to change the payment details within 2-3 days of a due date. When doing this it FORCES you to not only pay the current amount due but also the next month 's payment ( roughly {$1500.00} ) even though it is not due for another 25+ days. Now, after the last time this happened and we were FORCED to make a double payment, the due date for our next payment was set to XX/XX/XXXX. Now today XX/XX/XXXX even though a payment is not due until XX/XX/XXXX it automatically took another {$1500.00} from us and set the enxt due date as XX/XX/XXXX almost sixty days in the future. This is unauthorized and is theft. The bank refuses to address this and we are not wealthy people with the ability to gift the bank {$1500.00} because they can not architect their online payment systems properly. We want the XXXX payment taken in XXXX without authorization refunded immediately.

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 monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report I noticed there was several companies that were not authorized to check my credit, therefore the inquiries from these companies are considered fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: LEXISNEXIS
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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: FREEDOM FINANCIAL NETWORK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The advertisement Ive included below is potentially false, misleading, and deceptive. The advertisement appears to suggest that, simply by enrolling in the program a consumer could receive relief of up to the amount advertised. based upon my experience. This is an unlikely outcome, and is likely to deceive the least sophisticated consumer. Although I attempted to locate information about the company so that I could complain directly to them I was unable to, and as a result, I am submitting this complaint. although I am unable to confirm it, I suspect the company is affiliated with or is in fact Freedom Debt Relief based upon on the advertisement. although the publication appears to be reasonable advice to most consumers, it appears that it was created only as a front for this XXXX advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: ALLY FINANCIAL INC.
State: NY
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:
XXXX, XXXX AND XXXX CREDIT BUREAUS ARE REPORTING 32 FRAUDULENT INQUIRIES BEGINNING XX/XX/XXXX THROUGHOUT XX/XX/XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND APPROVAL FOR THIS CREDITS WERE DENIED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: KY
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:
Equifax. I sent several disputes through XXXX Equifax. Confirmation XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I sent them between XXXX pm to XXXX pm eastern XX/XX/2022. This disputes were done by midnight. I disputed an address that begins with XXXX that was incorrect. They did remove that. How in the world did they verify all information as request during non business hours? Whatever findings is thus rendered a false investigation and was not thoroughly done. Federal law states in US Title 15 Chapter 14 Consumer Credit Protection Subchapter 3 Credit Reporting Agencies Section 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please verify all entries, dates, and amounts if verified. Show me original the original documents. If not done properly, I already spoken with an attorney who is on standby.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Wealthfront Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a been with this bank for awhile they had suddenly closed my account at there discretions but before that I had my money deposited into this account from me doing a bank transfer into this account, and before they even closed my account I had done one more transfer to my XXXX account to be on the safe side once I did that bam my account was closed I couldnt log in on the app they had completely closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Unauthorized Credit Inquiry To Whom It May Concern. 

This letter is a follow up to my original letter regarding a inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies. 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: MT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 did not initiate this inquiry. It is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: AL
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 I have contacted XXXX multiple times through phone calls and certified letters in order to resolve accounts that have been reporting incorrectly on my credit report. In order to resolve the issue I have asked XXXX for verification and how they verified said accounts. The FCRA states they have 15 days to do this, in which they have also failed. There have also been many discrepancies with the falsely reporting accounts such as balances on closed accounts, accounts that do not show up on other reports, for the accounts that are reflected on other credit bureaus they have discrepancies on the open and close date. There have also been inquiries reporting in which I did not authorize. I have also called and written letters regarding this as well. The said accounts/inquiries are listed below : Accounts XXXX XXXX XXXX Account number : XXXX -XXXX Account number : XXXX -XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX CO XXXX XXXX XXXX XXXX XX/XX/2021 Equifax I have the same complaints regarding Equifax, the accounts and inquiries are listed below : Accounts : -XXXX Account Number : XXXX -XXXX XXXX  Account Number : XXXX -XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : EQUIFAX MORTGAGE SERVICES request by XXXX XXXXXXXX XXXX XX/XX/2021 EQUIFAX MORTGAGE SERVICES request by XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX have 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.

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