BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The list of addresses was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect addresses listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/2018

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 2022-03-18
Company: Verisk Analytics 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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Due to unforseen business problems associated with the downturn in XXXX, I lost a business where I had personal guarantees that caused me to seek personal Bankruptcy in late XXXX through XXXX. At the time I owned XXXX homes with mortgages with XXXX different financial institutions. XXXX I lost through the bankruptcy, but the other I kept which is the XXXX I am writing about. As part of the process, I went through the HAMP ( Home Affordable Modification Program ) which resulted in a loan modification. The trial period was completed in XXXX and a loan modification was completed. I have made all payments fully and on time since the trial period began and continuing with a loan modification through today - additionally earning " pay for performance '' incentives from the program each month eligible. 

A large part of rebuilding my credit is the new history of on-time payments. As such it is important that all of my credit history be available. My mortgage holder refuses to acknowledge and report my mortgage performance to the credit bureaus, citing my bankruptcy as the reason they do not have to report it. They indicated that I did not " reconfirm '' in the Bankruptcy proceedings that I intended to keep the mortgage, although I acknowledged in my initial filing that it was my intent, went through the HAMP program during the Bankruptcy, signed new mortgage modification paperwork, and have made all payments on time since completing the trial period to qualify. Additionally, since they will not report anything, my old mortgage shows on my credit reports as in Bankruptcy without showing resolution. 

The Bank was not asked, nor did they offer, to reduce the principle amount owed on the loan. While the interest rate on the loan is less than the previous amount on the original mortgage, they will be whole once the note is paid off. 

I previously contacted the Bank on more than XXXX occasion, seeking to have payment information reported to the credit agencies. The farthest I have gotten was being referred to the Bankruptcy department where I was told that since I have not " reconfirmed '' my intent during the Bankruptcy they were under no obligation to report my information. My only option was to reopen my Bankruptcy ( at my cost ) to reconfirm the mortgage. 

While others did suffer because of my Bankruptcy, as well as me personally, this particular institution did not. The whole intent of Bankruptcy is to help people get out of overwhelming debt and get back on the right track to financial independence. I am working very hard to resurrect my credit rating which for many years was in the high XXXX. But that is made difficult by the fact that the Bank will not report my credit information. I can not accept that this Bank has the right to hold back such information since I have a modified loan in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX, PAYPAL, SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2022-03-18
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: SYNCHRONY FINANCIAL
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:
The tradeline for Synchrony bank shows that the status is included in XXXX  XXXX Bankruptcy, and this is a complete LIE, that i tried to resolve by going through XXXX, and the results of my complaint came back with no change. This status IS NOT POSSIBLE!!!!!!! ..I declared bankruptcy on XX/XX/XXXX, and didnt even OPEN THIS ACCOUNT until XXXX,. The tradeline, in remarks even says for last update is XXXX, WHICH AGAIN IS NOT POSSIBLE, AS I HADNT OPENED THE ACCOUNT YET. This time either you delete the lie you perpetrated, OR WE ARE GOING TO COURT.

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 2020-04-20
Company: BBVA FINANCIAL CORPORATION
State: AZ
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 XXXX of XXXX I applied for a home modification loan from BBVA Compass bank. 
I was told more than once that my credit report does not determine the outcome of their decision regarding my application. 
I was denied the modification loan and they did a hard inquiry on XXXX  Credit bureau causing my score to go down 40 points per XXXX. 
I have a hardship situation as an XXXX  due to XXXX XXXX  to my XXXX  with multiple XXXX and increased medical bills. I subsequently filed a Chapter XXXX, in XX/XX/XXXX, which was discharged first week of XX/XX/XXXX. 
I have spoken to the Manager of BBVA Compass XXXX, the district manager, XXXX XXXX, the home modification manager, XXXX XXXX, in addition to sending emails to XXXX 's manager, XXXX XXXX, and to XXXX. No one has removed that hard inquiry nor called me back after sending emails to them several times. When on the phone with XXXX and XXXX they both stated they were not removing it. 
I know they are in violation of the Federal Fair Credit Reporting act as they clearly stated that they don't use the credit score to determine their decision regarding my application for a home modification. It even states that on the application! 
***I am worse off now than before I applied for home modification. I was also denied the home modification loan. 
It's hard for me to believe that a bank, that I've been a customer of for 18 years and have always paid my personal loan and home equity line of credit on time, would refuse to remove the hard inquiry, or lower the high interest rate during these times when we need to help one another the most. I have devoted my life to others as a XXXX  and I am so sad and upset about this situation. I'm an elderly woman who was forced into retirement and divorced without spousal support in addition to having a history of XXXX XXXX. 
I need to move forward financially and have paid my dues with the Chapter  XXXX for 5 years and due to the hard inquiry I am not able to do this due to my XXXX  score. I also have spoken with XXXX   and they told me that the only ones that can remove that hard inquiry is the bank. 
BBVA Compass could have done a " soft inquiry '' instead of that " hard inquiry '' that they clearly stated, please see photos, " Please note, however, that your credit score played no role in our loss mitigation determination. '' Please help me as I need to move forward financially. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
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:
Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX Inquiry Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX Inquiry Date : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The  XXXX   XXXX  is reporting several incorrect items on my Equifax,   XXXX   and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XXXX / XXXX /  XXXX   ( Equifax  ),  which the last payment made was in  XXXX . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}.   XXXX   XXXX   I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my credit score.     The  XXXX   XXXX  is reporting this fals e information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional two years which it legally can not  do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
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:
Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I would like my current and former creditor CAPITAL ONEto delete two old closed accounts for the explanation that follows.the accounts are XXXX   AND XXXX.they have appeared on XXXX XXXX   and XXXX at various times inconsistently due to my numerous dispute efforts.I have an understanding and knowledge of the fact that the bureaus and creditors have not held their customers accountable in time of "natural disaster" and "acts of God"that affected the consumers ability to meet their loan commitments .I HAVE EXPERIENCED AN ACT OF GOD AND AN OCCURRENCE SO SEVERE AS TO MAKE ANY NATURAL DISASTER LIKE A FORREST FIRE SEEM MINOR.My recently deceased,divorced father had XXXXl XXXX.There was no one but me to care for him,pay his rent,make all medical decisions and feed clothe and bathe him till the end.At the time of my lates was a time period of surgeries,some elective and experimental to attempt to save his life.I was younger and overwhelmed with the constant hospital environment and the life or death gambles I was making on my father's behalf.I was late on my loan commitments but caught up.Please be a human being and remove my accounts as the lates are devastating to my young credit and the fact that Itruly did have solid mitigating circumstance,ACTS OF GODTO CAUSE THOSE LATES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Everhome Mortgage ( Loan # : XXXX ) Two complaints : 1 ) Everhome was responsible for my taxes and insurance through an escrow account. XXXX XXXX taxes ( XXXX ) second installment are due on XX/XX/XXXX of every year. Everhome did not pay the taxes. As a result, the taxes were accruing interest and penalties. I had to go to XXXX XXXX XXXX office myself and pay the taxes in full while Everhome held my escrow money. This included a penalty that Everhome refuses to reimburse me for. 

2 ) Due to servicing issues with Everhome, I paid off and closed my mortgage with Everhome on XX/XX/XXXX and Everhome was supposed to send me a check for my escrow refund. I never received the check. After more than 20+ attempts calling them to receive the escrow fund, as of XX/XX/XXXX ( almost one full year later ) I have still not received a refund of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX account is only shown on Experian Credit Report. I spoke with XXXX XXXX dispute department on the phone. I told them they were in violation of the FCRA. I told them, this account cant be on my report with the same amount owed as the Collection Account that this account was sold to.XXXX XXXX XXXX XXXX is reporting the same account as a collection account. With the same amount owed. Which makes my debt amount owed higher on my Report. This account is was removed from XXXX and XXXX Credit report. Ive told Experian on several occasions to remove this account from there report. Experian XXXX XXXX is always inaccurate. XXXX personally tired of it. They even have the last four numbers of my social wrong also. Theyre reporting XXXX. When my last four numbers are XXXX. Its there mistake not mine. I want the whole report revised with all my debt, name, and address corrected. I cant acknowledge debt if the social security number 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 2017-01-28
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Never fully explained, unemployed, after repeated requests to XXXX XXXX they would only allow forebear ancestors and loan ballooned to $ XXXX Need help please ca n't afford this I am a XXXX Vet XXXX year old female.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-10-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im resubmitting 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 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 which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; 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 2022-03-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation