BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute with you on XX/XX/2022 where I explained how unfairly Experian is going about when it comes to my disputes. When I called I was unable to dispute, when the dispute was done I didnt even get notified I had to find out by looking it up on the Experian platform. I was not properly notified by mail or email. Id like to start by saying that this is the only credit bureau displaying such information. I dont have a XXXX account on any of my other bureau credit reports. Most importantly, the information on this account is invalid. It has a phone number thats not mine, an incorrect address, and even the name seems off. This account is erroneous/invalid and must get deleted. Experians reluctance to delete this account is very suspicious since an FTC report has even been provided. They reach out to the creditor directly instead of a non-affiliated third party.

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 2017-05-22
Company: EQUIFAX, INC.
State: MI
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 applied for a mortgage from   XXXX   XXXX  , they did   XXXX   times hard inquiry during 2 months period, with out my authorize,  XXXX  in  XXXX     2016  and other  XXXX  in  XXXX   2016 , they did the second hard inquiry after they cancel the pre approve, i never get the loan and my score dropped  XXXX  points, I filed a dispute with credit agency, they did n't solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX   # XXXXUnder DisputXXXX XXXX XXXX XXXX IDispute XXXX   XXXX XXXXUnder Dispute all were filed to ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: SYNCHRONY FINANCIAL
State: WY
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:
Synchrony Bank declined issuing me a credit card because XXXX Credit reporting agency erroneously reported my death ( Synchrony Bank says XXXX XXXX, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to XXXX, XXXX, TX, on XX/XX/2022 ; I also reported the error to Synchrony Bank, XXXX, FL. on XX/XX/2022. 

Synchrony Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach XXXX by phone ( XXXX has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but Synchrony Bank refuses to use any information other than the credit information provided by XXXX. 

XXXX reported my death OR the credit reviewing officer at Synchrony Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a Synchrony Bank credit analyst ). Synchrony Bank sez 'Synchrony can do nothing unless XXXX corrects the erronous information ; Synchrony Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did XXXX think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a Lowes product. 

Please help, and if appropriate - issues santion/citation against XXXX and Synchrony Bank XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY XXXX 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 2022-10-08
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan with rocket mortgage for two years. I lost many contracts during the pandemic and I was able to save to buy the house. First I want to talk about the process. How I end up paying XXXX out of my pocket just to get in that house. I was dealing with this realtor name XXXX who was working for this company. This was my first house. I didnt know I could of save money for first time buyer but instead they made me pay a total of XXXX to close and the whole process. 

Now two year later lost contracts and now I cant pay my mortgage and I been waiting for mortgage assistance from XXXX or Georgia mortgage assistance and its been 8 months and nothing yet and Im still in the verge to lose my house. 

XXXX XXXX XXXX XXXX XXXX Is the people who sold me the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Eastpoint Recovery Group, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Even after I had verbally stated for this company to stop calling me, they continued to harass me. They have threatened to take legal action on more than XXXX occasions and have been pushy about me giving them a post dated check for the full amount of the debt.

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 2019-12-28
Company: Rocket Mortgage, LLC
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:
PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I was contacted by Quicken Loans, who is the Servicer for a mortgage I have with with Quicken Loans. XXXX said she would like to review my account and see if there are any refinance offers available. I needed to run to a meeting, so she said she would look into things on her end and asked me if she could " pull up a copy of my credit report ''. It sounded like she was reviewing my account and looking at a copy of a credit report they already have on file. 

I then received a notice from my credit monitoring service that all three credit bureaus had receive a hard credit inquiry. I notified Quicken Loans that I did not authorize the credit inquiry and they refuse to remove it. 

My phone number is also on the do not call list, so this was an unwanted solicitation that I was led to believe was a discussion about my account. 

Finally, I was contacted by XXXX XXXX several days later saying to let him know if I want to consolidate " all that cc debt '' Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX accounts over 10 years both in XXXX balance should be removed from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: CA
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:
On XXXX XXXX, 2017, Equifax was breached and my personal information, including Social Security Number,  birthdate, address, and driver 's license number were released to hackers. Because of this I 'm a likely target for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiries on my credit report that I did not authorize. I have contacted each creditor that pulled my credit. I was unable to get the inquiries removed. I contacted all XXXX credit bureaus and were unable to get my inquiries removed. The following are inquiries that I DO NOT recognize. <P/>XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX I would like these inquires removed from my credit report promptly. They were not done by me nor auhtorized by me.

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 2022-07-25
Company: EQUIFAX, INC.
State: NC
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 these companies have violated my rights. 
15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 States a consumer reporting agency can not furnish a account without my written instruction. I have taken the necessary steps to get this handled and nothing has been done. These things need to be removed immediately : XXXXXXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX Card, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: NV
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:
After attempting to comply with the company 's request to provide validating information, regarding my previous address, to allow them to correct an error on my credit report, I AGAIN receive the same response that they " were unable to locate a credit file in our ( their ) database with the identification information you ( we ) provided. '' I supplied them with a copy of an earlier W2 showing my address, my current drivers license, a bank statement, and my social security card. [ What is almost humorous about this whole scenario is that several months earlier I was able to purchase a monthly reporting service from them and they continue to provide to those whom request it faulty credit information. ] Their continued refusal to acknowledge my credit file allows a more serious problem to prevail. That problem is the they continue to ignore a DISMISS bankruptcy in the the XXXX, TX bankruptcy court AND their continued failure to report a DISCHARGED bankruptcy in the XXXX XXXX, Nevada bankruptcy court. I have on several occasions sent them documents which supported both claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX, Experian, XXXX and 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Experian, XXXX, and XXXX are reporting personal information on my correct report. 
Here is a list of the incorrect addresses, please remove them : Addresses : 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 Names : XXXX XXXX The only address that should be listed is shown on this complaint. I also would like for you to correct the spelling of my name. There should not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect name spellings : [ XXXX XXXX ] Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. Thank you!

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 2022-11-18
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the debt collector violated 15 u.s. code 1692g Validation of debts. they never written me a validation letter that these accounts was my debts that i owed. account number XXXX, account number XXXX, account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and i am submitting this complaint without any influence from any third part or agency. Please see the attached document as it contains my full complaint and request.

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 2022-07-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and i am submitting this complaint without any influence from any third part or agency. Please see the attached document as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account has been closed since XX/XX/XXXX. XXXX is reporting the account is open and Im currently 180 days late as of XX/XX/XXXX. This account is a charge off and has been reporting as such for four years. This inaccurate information. And is hurting my credit with false information.

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 2022-01-27
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I sent CCS an invoice for violating my rights. CCS must pay the attached invoice pursuant to 15 USC 1692k.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I been A victim for identity theft since I was living in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX  & I had a police report, also after I moved to XXXX XXXX XXXX XXXX I had another police report for identity theft, that someone using my social to open a XXXX credit card in additional the one I open it on my own responsibility back on XXXX, than I decide to close this card with the capital one because I can't trust them any more also I paid the balance in full amount ..., So why now I still see it on my credit report. I am the victim here ..... I am trying to improve my credit score, every account I have I am always on time never being late for my car loan & even I paid off the balance {$24.00} before the due loan time .... Even XXXX still see negative side under my social with a different names which is I never have those names before XXXX XXXX XXXX XXXX XXXX ( exact ) XXXX XXXX XXXX ( exact ) Any others names it's absolutely wrong not used by me..... I really need to update my personal information to have a fair reputation I need help as far I am a victim of identity theft To clear up my record & this negative report from capital one should be removed from my credit report ..., Specially capital one still send me offer to be a client with them again ) So why if a client being bad with them! Why do you still need me to apply with you again?? 
It doesn't make any sense to nobody. 
Thanks for your support to help me update my record specially I am the victim here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
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: Information is missing that should be on the report

Complaint:
There are many accounts reporting that does not belong to me. There are also inaccurate personal information that is reporting : Incorrect Name : XXXX ( XXXX  XXXX Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Address : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX ( Equifax ) The following accounts were a result of identity theft : XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX  & Equifax ) Bal : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$100.00} ( XXXX  XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$620.00} ( Equifax XXXX XXXX XXXX XXXX XXXX XXXX is no longer in dispute. Please remove dispute status I did not not authorized the following inquiries on my credit file : XXXX  ( 2 TIMES ) XXXX XXXX XXXX   XXXX XXXX 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES XXXX XXXX XXXX XXXX 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I called Experian XXXX times on XXXX to resolve some issues I had with my credit report. I asked the first rep XXXX " what is the procedure for furnishing information without the consumers permission ''. She stated " Experian don't need permission they can do it anyways ''. After explaining to her Pursuant 15 Us C 1681 in order to do so. Experian woud need expressed permission or written instructions to do so. After her showing me she was uninterested in resolving my concern. I asked to speak with a supervisor. XXXX couldn't help and refused to give her ID #. So she transferred me again to XXXX XXXX XXXX ) who then transferred me to XXXX in the fraud department. XXXX told me " She trained in the FCRA and Experian has contract with the creditors and is not required to validate or investigate accuracy because they assume the creditor is being honest ''. I told her " that was not fair and the law states their company must take the proper measures to assure my report contains accuare information ''. She said " its not experian job to mediate nor is documentation required to grant permission. She then proceeded to dispute the XXXX accounts that i had concerns about.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of 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 explanation