BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NC
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:
Hello i reached out to XXXX & Equifax on 3 occasions via letter correspondence to correct or delete the below account due to " Account Status '' Reporting inaccurate. on the following 2 accounts. 

XXXX XXXX XXXX XXXX Account Status reporting wrong and inaccurate. these 2 accounts where paid in full back in 2020 if you look at the attached current credit reports of mine you will see there many errors that are effecting my life. you can always fix your eyes on the comments that the actual Equifax and XXXX noted that the accounts WHERE PAID IN FULL. i just want the statuses updated to Paid and not Derogatory. as you can also see XXXX reported the account correct. on the XXXX XXXX account. i have wrote to both companies on 3 occasions and never got a response back. i had no choice but to submit a full complaint here with proof. i also want to point out on the XXXX XXXX account the payment history has been reporting inaccurat as well since XXXX of 2020 you can see on the report experian reported me ( CO ) but Equifax reported that i paid ( OK ) meaning on time. how is that so? how can i be late CO and OK at the same time. these inaccurate reporting 's are in violation and need to be removed from my credit reports. thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I set up a savings account with Ally Bank. After the account was set up I received a credit monitoring report that the did a hard credit inquiry for a bank loan. This brought my credit score down. I sent them a secure message to find out why and they said I had to talk to the loan department. However I never applied for a loan or authorized them to do a credit check for a loan.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms must remove late payments under CARES XXXX act

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 2022-06-07
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV sent notice regarding an account at XXXX XXXX XXXX  on XXXX, XXXX from XX/XX/XXXX for {$2100.00}. My daughter ( XXXX XXXX ) informed them that this was not my debt as I had never had an account/card with XXXX XXXX until now. She told them that we required proof that I had opened this acct. We have not heard from them about this account to date. 
On XX/XX/XXXX, I received a notice from LVNV regarding an account from XXXX bank for {$1100.00} from XX/XX/XXXX. I had previously informed them that I knew nothing of this account and this time I am going to inform them again that I did not have an account with this company and request proof of who opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
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:
On XX/XX/2020 I signed a rental lease agreement for furniture with XXXX XXXX. 
As per the contract there is a stipulation that clearly state : Although I may have applied for credit with a retail merchant, the rental purchase transaction is not a credit transaction. the lease rental agreement indicate the market cost of the merchandise is {$2600.00} and the buyout option is {$3500.00} XXXX has ruined my credit because they have reported this to the credit credit bureau a personal loan on the amount of {$6200.00}. 

This is creating me a significant financial harm. 
They are conducting an unfair and deceiving business practices specially in low income individuals. 
This was rental agreement not a sale or loan. I never signed a loan application. 
whatsoever for this being reported as a loan. 
Below are a basic informationn on the rental agreement. I can provide the entire copy if needed it. 
Date : Agreement Number : Lessor : Lessee : contract # XXXX DESCRIPTION OF RENTAL PROPERTY : Item # Item Description Model # Serial # This Property is : {$3500.00} XXXX payments @ /payment for a total cost of, plus tax. 
XXXX XXXX XXXX {$290.00} {$6200.00} If you fail to make a timely periodic payment, you shall have the right to reinstate this agreement ESTIMATED FAIR MARKET VALUE OF THE LEASED PROPERTY : EARLY PURCHASE OPTION : A XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX LOC :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: NRA Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery Agency ( NRA ) has claimed two debt collection accounts on me, which has affected negatively on my credit scores. NRA 's total claimed debt amount is {$520.00}. One is {$410.00} ( open on XX/XX/XXXX ), and the other is {$110.00} ( open on XX/XX/XXXX ). Both of them are for XXXX XXXX. Can you let me know what is the nature of the bill? How can I address this problem? 

I am a XXXX XXXX. During the pandemic, I was not in the United States ; I don't believe they have contacted me in the way that I can understand what is happening and how I can address this situation. 

Please let me know what you think.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have disputed 2 accounts that are listed on my credit report for 6 months. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX 
{$420.00} XXXX, XXXX and Transunion fail to provide actual legitimate verification. 

Please provide the bill of sale/transfer related to this debt. 

This reported account is inaccurate and can not be substantiated.

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 2022-06-27
Company: Experian Information Solutions 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:
This is a formal complaint against XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a formal complaint against XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-06-27
Company: EQUIFAX, INC.
State: PA
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 filed an Identity Theft report when I learned that someone was using my identity during my incarceration. I submitted documentation about identity theft and my incarceration and Equifax and XXXX disregarded it. They didn't even block the account for 30 days upon receiving the information. I also received a letter from the IRS stating that someone filed a tax return in my name during my incarceration. 

Account US Dept of Educatio Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: AL
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 Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an 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 2022-06-27
Company: Experian Information Solutions Inc.
State: MS
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 submitted a Federal Trade Commission report to each of the three credit bureaus for fraud on several accounts on my credit report. I certify that these accounts do not belong to me and the credit bureaus would not provide me with the application used to open these accounts nor any other applicable items. There are several accounts listed on my credit report that do not belong to me. I contacted the companies, as well as XXXX, Experian, and XXXX, and they were also not timely with a response. The fraudulent accounts include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and two fraudulent inquiries by XXXX  XXXX XXXX, and 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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted a Federal Trade Commission report to each of the three credit bureaus for fraud on several accounts on my credit report. I certify that these accounts do not belong to me and the credit bureaus would not provide me with the application used to open these accounts nor any other applicable items. There are several accounts listed on my credit report that do not belong to me. I contacted the companies, as well as XXXX, XXXX, and Transunion, and they were also not timely with a response. The fraudulent accounts include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and two fraudulent inquiries by XXXX  XXXX XXXX, and 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 2022-11-30
Company: Selene Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Appeal / Escalation to Denial from Selene when XXXX has {$60000.00} funds ready to apply Selene Loan # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX HUD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Foreclosure Trustee : XXXX XXXX XXXX XXXXXXXX XXXX Washington Issue : XXXX is approved for XXXX funds on XX/XX/XXXX of up to {$60000.00} to go towards reinstatement/modification but Selene continues to refuse to work with XXXX XXXX and instead is moving forward with the foreclosure. 
It is inconceivable that XXXX has XXXX for Selene and Selene can not work with XXXX XXXX on fees or a repayment plan for the additional money. We could even try and get an exception with XXXX if Selene would accept the XXXX and remove fees to be paid at a later time. The law does not require fees to be paid at reinstatement. Selenes delay continues to cause XXXX to incur additional fees driving her further into delinquency. 

Proposed Resolution : It is not required to pay the fees to reinstate a loan. Selene to accept the {$60000.00} from XXXX with the remaining delinquent balance of approximately {$10000.00} to be paid later. Allow XXXX to pay the additional fees through either a formal repayment plan or spread it out over 60 months which works out to be about {$170.00} per month for 60 months which is affordable to her. 
This would allow XXXX to stay in her home which is also the source of her self-employed business income. 
There has to be a way to make this work to take advantage of the XXXX funds with everyone benefiting from the XXXX funds including Selene. 

Fees are not required to bring loan current : *Sale date is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: BARCLAYS BANK DELAWARE
State: WA
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:
15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
Because I got XXXX the XXXX  account went to a collection. I missed the time because i was sick. Anyway it was paid but still negative affecting my credit because it showing as a Collection type. I dont think is fair. It should be deleted.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: TN
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 am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity. 

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!

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 2022-06-27
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: Reporting company used your report improperly

Complaint:
Account : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX. 

XXXX XXXX XXXX  ACCOUNT : XXXX. 

XXXX XXXX XXXX  XXXX. 

15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

And if I did not provide any written statements, that is consider identity theft

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