BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: MO
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've been informed that you do not restrict files when they are supplied along with an FTC fraud report. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my documents to my lawyer to begin a legal case if you decide not to stop the items stated below from reporting incorrectly as a result of identity theft. Please obey the law as it is not my aim to take legal action... 

The following things should be removed since they were opened without my permission or knowledge and are fake. 

XXXX XXXX XXXX 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 require copies of any paperwork related to this account that has my signature, as I am aware that none exists, if you insist that these claims are entirely true and provable. I formally request that this information be promptly removed from the credit file you keep for my Social Security number in the absence of any such proof with my signature. 

Please be aware that if you discover any information in my credit file that you believe to be the product of suspected identity theft, you have four business days to stop reporting it. XXXX or any other kind of automated verification is not acceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I submitted a dispute to all three credit reporting agencies and never received a response back regarding the investigation.

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 2022-05-29
Company: Global Lending Services LLC
State: SC
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Formal Complaint Against Cavalry Portfolio Services I am writing to file a formal complaint against Cavalry Portfolio Services, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, with contact number XXXX. The purpose of this complaint is to bring to your attention the alleged unfair and deceptive practices I have experienced during interactions with this company. 



Details of the Complaint : Lack of Validation : Despite my request for debt validation, I have not received adequate documentation or verification of the alleged debt in question. The lack of transparency in providing essential details raises concerns about the validity of the debt. 

Failure to Cease Communication : I have previously requested that Cavalry Portfolio Services cease communication regarding this debt, as permitted by the FDCPA. However, communication attempts persist, causing unwarranted stress and anxiety. 

Failure to Provide Information : Requests for detailed information about the debt, including the origin and substantiating documents, have not been adequately addressed. The lack of transparency impedes my ability to assess the legitimacy of the debt. 

I kindly request the Consumer Financial Protection Bureau to : Investigate the aforementioned complaints against Cavalry Portfolio Services. 
Take appropriate action to ensure compliance with the Fair Debt Collection Practices Act. 
Facilitate communication between me and Cavalry Portfolio Services to resolve these issues amicably. 
Enclosed with this letter, please find copies of relevant correspondence, including communication logs and any documentation related to the debt. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to address the alleged violations. Your assistance in resolving this complaint is crucial in protecting consumer rights and promoting fair debt collection practices. 
accounts Account owner Individual Account Original creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Agency CAVALRY PORTFOLIO SERVICES Creditor Classification Banking Status date XX/XX/XXXX Original amount owed {$2300.00} Balance date XX/XX/XXXX Date of last payment Date of first delinquency Balance owed {$2300.00} Comments Consumer Disputes This Account Information CAVALRY PORTFOLIO SERVICES Account owner Individual Account Original Creditor XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Thank you for your prompt attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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: Personal information incorrect

Complaint:
There are a few incorrect addresses I would like removed from my credit report. i have not stayed at the addresses listed below XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AL, XXXX XXXX XXXX XXXX # XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my 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 explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Acct XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2020-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital one says I owe 2 credit cards in the amount of {$940.00} and {$1100.00}! If they dont get these off my credit report. I will sue them for false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. I'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX, 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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Delete these hard inquires in such an action of a complaint will be filed with identitytheft.gov. 
Also an improper use of my credit report and violates my right to consumer privacy/company used improperly by law. Unauthorized hard inquires/did not submit nor authorize applications for such credit as follows. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had just come home from the hospital being in the XXXX  at the time and found a notice attached to the door to vacate the property because they were renovating the apartments at the time. I called the rental office and asked to move to another building since the current apartment I was living in was ready for the upgrades the property manager tole me no not remembering that my lease was not up until XXXX at the time because I was still heavily medicated when I came home. I explained to the property manager I just came home from the hospital, and I needed some time and XXXX XXXX XXXX explained that I had to be gone by the date on the vacate notice. I was not taken to court for this matter and one day when I pulled my credit report to find the apartment complex on it. I contacted them and explained the situation and I disputed this account so many times in the past with no response with the same results saying I owed this huge amount of money which was incorrect. I did not pay XX/XX/2019 when I came home from the hospital since I had to find a place to move in a short amount of time. When speaking with the collection agency I was told I had broken my lease that was to end in XX/XX/2019, I explained to them I still had the notice to vacate and the amount was correct, I explained it was not correct how this was ruining my credit and finding proper housing. I have paid some of the money back and asked them to have it removed from my credit reports because this was there fault not mine.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 a few inquiries on my credit report that arent mine at all

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 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Mail Current Status - Processed For Delivery ( XX/XX/XXXX XXXX PM ) Letter Mailed Date and Time XXXX XX/XX/XXXX XXXX XXXX  Pass through - Standard Recipient Address - XXXX XXXX  XXXX XXXX XXXX PA XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter

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 2020-10-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX per the instructions of select portfolio servicing, the title company withheld {$250000.00} from the proceeds from the sale of my house. This money was wired to select portfolio serving for a loan with {$0.00} balance and {$35000.00} in the escrow account. At my insistence the money I DID NOT OWE was returned to the title company XX/XX/2020 - without releasing the lien. The title company resent the {$250000.00} as reflected in the pay off statement. XX/XX/2020 select portfolio again returned the money to alpha title the company that closed the buyers of my house. At this time I have no idea where the money is from my proceeds of the Sale of my house. I believe this lien is for a line of credit to which I never agreed, received no value nor have any access to use. WHERE IS THE {$250000.00} NO ONE GAVE ME? This money was literally STOLEN from my proceeds by select portfolio servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two incidents happened with this mortgage servicer - Fay Servicing. 
1. I made an on time payment in XX/XX/XXXX. It was received by Fay Servicing 1 day before the late date [ late date = XX/XX/XXXX ]. I have a date-stamped check proving that it was received by the company in time. I presented this information to them and they did not remove the late fee. Instead, they are assessing a late fee because their internal processing or payments takes a few days. That is not my fault, nor can I control anything that transpires inside Fay Servicing. I submitted my payment on time. 

2. I called Fay Servicing today because.. 
a. the website did not accept my username so I couldn't log in. Fay 's response was that I need to reset my password. My reply to that is that I can't log in, even with a new password, if the system doesn't allow me to use my username. I clicked " forgot username '' ( which I didn't ) and was sent an email with the username that I've always used. Fay 's reply was that they can't do anything and they have no department that fixes things like this.

b. I wanted to make sure my municipal taxes were scheduled to be paid on time so I called them. Fay has my tax due date in their system as XX/XX/XXXX, but the due date is actually XX/XX/XXXX. They said they can't change it because their screen says XX/XX/XXXX. I texted a photo of the tax bill showing the correct due date as XX/XX/XXXX. ( They said I couldn't email them ; only txt. ) They did not believe me and instead said they looked up on the municipal website to see that they can pay the bill on XX/XX/XXXX. The bill is DUE on XX/XX/XXXX and interest is added in 1 month increments BEGINNING XX/XX/XXXX. Fay said they won't be changing the due date in their system. My taxes have been paid very late a number of times in the 6 years that I've had them as my loan servicer. My homeowners insurance was also not paid until it lapsed twice. This means that I didn't have insurance coverage during that lapsed time period. Fay Servicing doesn't pay things on time and doesn't admit it when they make mistakes. They focus on getting that extra 2 days float with our money while customers suffer the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
GoodYear account was opened with identity theft. Fraud alert and credit freeze was placed on XXXX, XXXX and XXXX. I tried to call the number on the credit that came in the mail and I am not able to speak to anyone in English. The phone number XXXX will ONLY connect to XXXX  speaking and when asked to be transferred to Fraud Department and speak to someone in English the call is disconnected on multiple occasions. 

I received a letter in the mail on XX/XX/2023 from the Citibank Early Warning XXXX XXXX XXXX XXXX XXXX, SD XXXX regarding Re : Application Number XXXX with a phone number for the Fraud Verification Unit XXXX when I called there again very broken English and the woman refused to transfer me to upper management and/or someone else so that I resolve this. She refused to provide her ID number in order for me to cancel the credit card and for me to report that it was a fraudulent account. The woman only gave me a first name XXXX. She demanded my personal information and social security information that I refused to give her in order to cancel the card. The card was NOT opened by me and there is a XXXXXXXX XXXX limit on it.

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 2022-05-28
Company: EQUIFAX, INC.
State: IL
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've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I just found out yesterday XXXX I can not finance my home at the rate of 2.5 % do to the fact that rates went up to 5 and 6 % I have been try ing to my house refinanced since XXXX ofXX/XX/XXXX but due to your mistake of recording two partial claims I Could not get this through till one of the partial claims you recorded by accident was removed I have contacted you weekly on getting this removed so I could get this done but you guys kept put me off waiting on the phone for hours paid for an appraisal that now I cant do so due to all the pain and suffering that you have put me through what are you gon na do about it

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