BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how XXXX verified the information, including the business name and address contacted and the telephone number if reasonably available. 

Additionally, XXXX XXXX XXXX is reporting a trade line on an account number that is not mine. I contacted XXXX and the information they furnished does not match what is being reported on my credit profile. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 
I am requesting that these XXXX entries be investigated and removed.

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 2016-03-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to obtain my free annual credit report from XXXX. I was able to get my report from XXXX and XXXX, but Experian would not allow me. When I was directed to their site from XXXX, I was asked to confirm the last XXXX digits of my SSN. I did that, but when it progressed to the next page it simply said " We were unable to honor your request. '' No other questions were asked. I was instructed to mail in my request using a form letter, including a copy of my DL and SSN. It 's frustrating to be denied when I was n't asked any additional verification information. XXXX and XXXX asked specific credit questions, but Experian did not attempt to confirm anything. Now I have to send a letter and wait for a response. Based on this experience, I 'm not even sure that I would receive it after I sent my personal information through the mail. At the very least, Experian should be required to inform consumers of why they were " unable to honor your request '' when the consumer receives a denial for their free annual credit 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 non-monetary relief
Consumer complaint received 2021-11-24
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to file a complaint regarding my refinancing experience. The experience took over two months and I had very little communication with anyone. I tried contacting the processor on several occasions, left messages and they were never returned. When I finally did hear from the processor she reassured me that everything was looking good and there would be no problems with the refinance. I checked my dashboard daily for updates and there were just a few, maybe once a week. I was sent an email with pre closing paperwork to sign, which I did. Last week I noticed the loan was listed as inactive. I turned down several other lenders so that I could secure a loan with NewRez and now I find out that they did not approve my loan due to income issues. I was never told this when I applied, they said there would NOT be any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian will not allow me access to my dispute despite sending me emails to review, in an attempted subterfuge to prevent me from accessing my report. They continue to play these games and that 's why they are on the top complaints list. I told them to remove the XXXX inquiry as stated in the letter. Addiktnst the XXXX inquiry they also inserted XXXX XXXX inquiry that had been deleted. This is FCRA FACTA CCPA violations

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
The lease was overpaid by one month and I contacted Ford Credit to find out if I was to be reimbursed. I called both the dealership to which I returned the F-150 as well as Ford Credit on multiple occasions and was told that paperwork needed to be submitted by the dealership in order to process the lease termination. According to Ford Credit I could not be given a reimbursement for overpayment until the lease was finalized. I waited several months to receive any reimbursement. Last month I received a check from Ford Credit, minus {$75.00} for wear and tear costs. I had purchased {$3500.00} of wear and tear protection for the leased vehicle, which Ford Credit acknowledged was in my account information. However, they said that the dealership needed to sign paperwork for the wear and tear protection to be applied. Any time I speak to Ford Credit I am told I need to contact the dealership and when I speak to the dealership I am told I need to contact Ford Credit. Ford Credit does not seem capable of resolving issues or even providing useful information to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This account was opened in my name and it does not belong to me. 

XXXX XXXX XXXX {$1700.00} XX/XX/2020 2020

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 2022-05-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This XXXX accounts were open in my name and they dont belong to me. 

XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, 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 information incorrect

Complaint:
I 've contacted all three major bureaus regarding XXXX XXXX which is incorrect. Two of the three major bureaus removed incorrect tax lien information ( XXXX XXXX and XXXX ). But Equifax has refused via their investigative process, remove XXXX XXXX in the amount of {$11000.00} which has been paid. I do not owe {$11000.00}. Amounts were paid by way of taxes owed to me. Balance is less than {$100.00} at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account is not mine and does not belong to me. This company bought this debt and wants me to pay on something that is not mine. I have reported this to all XXXX credit bureaus and they will not re-dispute it. Stating that the company verified it belongs to me but this company has not given proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed several times the validity of XXXX Student Loans that are reflecting late payments that are incorrect. I have disputed the late payments reflecting in my CR that are incorrect. Equifax is not abiding my the FCRA laws therefore violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just requested a copy of my credit report to verify how everything looks as I am planning on changing my vehicle and noticed my credit score dropped more than XXXX points. I am completely frustrated and concerned about this situation. My credit report reflects XXXX collections and I have NEVER received a notification on any of them. This Collections company never executed XXXX. Validation of debts per it is required by the FTC. 
the Collections Companies are : 1 ) XXXX ; and 2 ) LAW OFFICES OF MITCHELL D BLUHM I must report a predatory action coming from this companies as I understand they are perfectly aware of this 30-day. I have excellent credit, no late payments in more than 6 yrs and now I have this companies doing this illegal action. 

I need this items to be removed from my credit report and also need evidence of what is this collections for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: William D. Meeker Enterprises, 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:
I did not authorize these inquires into my credit. I called these companies and they said that they can not help me. 

Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Miscellaneous and public record Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automotive Contact info Address XXXX HIGHWAY XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Home Furnishing Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Sequoia Financial Services
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company did not verify the charges as they stated. The company had not provided any contracts that have any signatures. Further the only information the company had provided me had the incorrect name and incorrect date of birth. I know of nothing that supports this companys allegations. This company continues to illegally report on my credit for an alleged debt not a verified debt as they do continuing to write defamatory statements on my credit regarding allegations and not facts. THIS COMPANY HAD NOT ADHERED TO FCRA 609 AS DEMANDED NUMEROUS TIMES.I state for the record I know of knowing that supports their allegations of this unverified account. REMOVE ILLEGAL FALSE/INACCURATE CREDIT REPORTING AND OR DEFAMATORY STATEMENTS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed an account with Citibank with a XXXX balance. They did not close the account, even though I have a receipt saying it is closed, then charged me fees to keep the account open. Since the account had a XXXX balance it was overdrafted and they charged me an overdraft fee on top of that. I overdrafted an account I closed because of a fee they charged to keep my account open. Then they preceded to call me twice a day to collect even after I told them to stop calling me to collect a debt they created.

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 2022-04-16
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: Reporting company used your report improperly

Complaint:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. CREDITOR : XXXX XXXX XXXXXXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX  Account # : XXXX CREDITOR : XXXX ACCOUNT Account # XXXX 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 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 2022-05-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # 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 2017-01-27
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, I am a XXXX year old widow who tried to refinance my home, but was denied because I had gotten 3 judgments against me, after I had no income but soc. sec. I admit that was not a good thing, but could not be helped. I have not been behind on any house payment. My daughter had lived with me and was helping, but she passed in XX/XX/2013. All I wanted to do was lower my interest. We get these young people coming in and they can get it. Can you explain why we are being punished for trying to get ahead.

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 2021-11-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. 

The above bank closed my accounts without warning. This has grossly affected my business and personal life. As a business owner, sometimes I DBA in my personal name. This isnt in contradiction to any known law. 
Again, I would appreciate a proper investigation into my case. 

Best Regards 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 explanation
Consumer complaint received 2015-03-26
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I called and asked Navient to stop robo calling me and my cosigner 's phone number because I was XXXX days late on my XXXX. I told them what date I would be making a payment and tell me that because it is an automatic dialer they can not stop the harassing phone calls. 

I just want them to stop calling. Can I get some assistance with that?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
A dispute was submitted to Equifax on XXXX/XXXX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Complaint was submitted through the CFPB porthole with respect to this matter on XXXX/XXXX/XXXX # XXXX and the inaccurate account has been under investigation from XXXX/XXXX/XXXX until the present day. ( See Attachments ) A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( XXXX ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information XXXX cause the consumer. See : XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( XXXX U.S.C. 1692g ). Account number XXXX from XXXX XXXX is reporting inaccurate. The account inaccurately reported for months has caused me to be denied credit, higher interest rates, etc.,. This is my final attempt to clear to resolve this matter privately before taking my arguments into a court of competent jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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 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 2022-04-16
Company: Experian Information Solutions Inc.
State: TN
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:
I HAVE DISPUTED THESE ITEMS Previously. MY current and only address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN 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