BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent account apparently credit report XXXX. State 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 explanation
Consumer complaint received 2023-02-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

They are reporting inaccuracies pertaining to the open dates. Transunion is reporting this account was opened on XX/XX/XXXX and XXXX and XXXX is reporting XXXX  They are also reporting inaccuracies concerning the last active dates. Transunion is reporting XXXX XXXX XXXX and XXXX XXXX Lastly, they are reporting different report dates. Transunion is reporting XXXX XXXX XXXX and XXXX XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX XXXX XXXX That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau Transunion, XXXX and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: NJ
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX and Experian. Please block/delete/update the following inaccurate accounts and unauthorized inquiries reported in 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 2023-02-17
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Also Known As : XXXX, XXXX, XXXX  Also Known As : XXXX, XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I received a letter from my CURRENT mortgage bank -XXXX  XXXX  that my loan servicing had been transferred : Details provided : XXXX would no longer accept payments for my mortgage as of XX/XX/2021. 
New Servicer SunTrust now Truist I should expect correspondence from my new Servicer-set up payments with new Servicer. 
THE LETTER FROM XXXX  STATES THAT A 60 DAY GRACE PERIOD FOLLOWING THE EFFECTIVE DATE OF THE TRANSFER OF THE LOAN SERVICING NO LATE PAYMENTS OR LATE FEES WOULD BE ASSESSED BY THE NEW SERVICER OR REPORTED TO THE CREDIT BUREAUS. 

As of XX/XX/2021 I did not have any welcome letter or account information. By XX/XX/XXXX I was worried. I called the number provided by XXXX. 
A pre recorded message stated that if your loan has been transferred to SunTrust NO ACTION is needed, SunTrust would be sending out information including account number etc. after XX/XX/XXXX. 

Today XX/XX/2021 I received A THREATENING EMAIL FROM SUNTRUST STATING I HAD NOT MADE MY XX/XX/XXXX PAYMENT AND THAT IF I DID NOT MAKE IT BY XX/XX/XXXX I WOULD INCUR LATE FEES. 
AS OF TODAY THE EMAIL IS THE ONLY CORRESPONDANCE I HAVE RECEIVED FROM SUNTRUST. see COPY OF THE EMAIL I RECEIVED BELOW-HOW CAN SUNTRUST BE THREATENING ME WITH LATE FEES WHEN I DONT HAVE AN ACCOUNT NUMBER TO EVEN CALL AND MAKE A PAYMENT OR SET UP AN ON LINE ACCOUNT, Dear SunTrust Client, This is a friendly reminder that a payment of {$2600.00} for your mortgage account ending in XXXX was due on XX/XX/2021. If you have already made your payment, please disregard this message. 

To make your payment, please sign in to Online Banking at suntrust.com or our Mobile Banking application. To avoid a late fee, please ensure payment is received by XX/XX/2021. 

We're here for you. If you are experiencing difficulties that are affecting your ability to make timely payments, please call our Client Services Department at ( XXXX ) XXXX, Monday through Friday XXXX XXXX to XXXX XXXX, Saturday XXXX XXXX to XXXX XXXX, ET. 

Thank you for being a valued SunTrust client.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The initial problem started with XXXX XXXX reporting, without my knowledge, of delinquent or late payments for three payment periods in XXXX and XXXX. On two reports from the XXXX credit bureaus, the payments are listed as 30 days or less delinquent, and on one report the same dates are listed at 60 days plus. After contacting XXXX XXXX I was informed that these misinformed reports would be removed from my credit history as I was on XXXX as an XXXX XXXX XXXX in the United States XXXX. There was no 30 days delinquent payment, they received their payment on the next business day that the payments were scheduled to be made by my bank. In each instance, the date selected fell on an observed holiday, yet XXXX XXXX decided to report the incident anyhow. Fast forward to me scrubbing my credit report, after disputing locally with first XXXX XXXX and then with each credit bureau. And each instance, they are pointing the fingers at each other. XXXX XXXX states that their records have expunge the information from my account however have failed to provide any proof. Even though disputed on their individual sites, the credit bureaus are continually to report this information and other data on each file that is highly in accurate! I have called each credit bureau individually, and have used their own websites to dispute this matter and yet as I pull my credit report today, the information is still visible. As is the other information they were supposed to have corrected. The last company or bureau ( XXXX ) that I contacted was in XX/XX/XXXX. I again was informed by their representative that the matter has been resolved. Yet it is not and the negligence in reporting is still showing as an adversary action. Finally, it is my hope that these bureaus get on the same page and at least get my name right, get my address ( es ) right, know that I have no spouse name XXXX that you have somehow added to my account that I have no idea who this person is, and the information correct from what you claim the companies are reporting to you. If this were the case then why is the information correct on some reports but not in others? Obviously the files are too large to even input into the system for them to look at what was circled and what does not apply. However I will try my best to at least upload portions of the full reports to show the gross negligence in their reporting!

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 2023-05-03
Company: WHEELS FINANCIAL GROUP, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On XXXX XXXX I woke up for work to find my car missing from my driveway. I thought my car was stolen so I called XXXX XXXX police department. I started crying as my husband died a year ago from XXXX and I have XXXX children who need to go to school and I only have one car. The police called back and said it was repossessed. 
I was in shock as I was not behind on any payments. I have a title loan with Loan mart and I was a few days late but I paid over on the payment in XXXX and have never been late so I couldnt understand why it would be repossessed. 
My kids had to stay home from school and I had to get a XXXX to work I am a XXXXXXXX XXXX. 
I called Loan Mart and they were extremely cruel to me stating that they didnt repossess the car because I was late on a payment but because I didnt send them a piece of paperwork ( not the title ) that they needed a physical copy of. 
I sent them an electronic copy of it but no one told me I needed to send a physical copy. 
They told me they tried to contact me but I only received one of two letters in the mail asking for documentation and I couldnt understand what they needed since they had my title. I have been XXXX XXXX since my husbands death and can barely function so I was not able to as what exactly they needed. 
At no point in time did they ever tell me my car could be repossessed. 
XXXX started getting extremely nasty with me about why they were justified in taking my car for paperwork instead of calling me. Even though I told her I was XXXX XXXX XXXX XXXX 
I had to pay {$480.00} to get it out of impoundment and then they made me wait until they received a signed piece of paperwork of what I didnt know they needed a hard copy of until they would let my car be released. 

Loan Mart makes money from towing my car never mind the high interest rate on this loan. I had to rent a car which cost me even more money and I was at work while she was humiliating me on the phone. 
As a XXXX  this was one of thee most disturbing things I have ever experienced. 
I was literally trying to XXXX XXXX XXXX and It was like the woman didnt matter. 
All that mattered was paying the grossly high towing bill and yelling at me for things that were out of my control. 
This is predatory lending as they moved my XXXX payment to the end of my loan and humiliated me at my job. 
I did call them a couple of times to give them my new number and I really didnt understand what they wanted from me because they had the title to my car. 
I have never been late on a payment and I am now being further punished by extra fees for car impoundment and rental cars and my children missed school. 
These lenders dont care whose lives they ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am unaware of the listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My name is XXXX XXXX, XXXX XX/XX/XXXX. On Saturday, XX/XX/XXXX I went down to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was then pressured into signing up for a CareCredit card with them. The Dentist  in charge of my care said I could lose my teeth since the XXXX XXXX was too far gone to treat it. He then told me I needed a root canal and this product sold by XXXX XXXX to save my teeth. I was then sent to another XXXX XXXX XXXX XXXX XXXX Before I left XXXX XXXX that day they said their product wasnt covered by insurance and that the product I needed to save my teeth from falling out cost XXXX XXXX I told them I couldnt afford paying out of pocket. Thats when they pushed their CareCredit card on me. I was mentally scared for the health of my teeth so out of fear for my health I applied and signed up for the credit card. The representative of XXXX XXXX told me there would no interest rates and my payment would be low. I wasnt able to read the contract since the representative had control of it. She just told me where to sign and I wasnt allowed to read it completely until after I signed. Then they gave me the products which havent been used and I have no intention of using. They were over-the counter-dental hygiene products. I tried to return the product two days later, but they said I couldnt do that since I signed the contract already. They said I could only get up to 20 % of the cost back. In essence I was misled into signing up for a CareCredit card. They didnt let me read the contract until after I signed. I was pressured into signing up by the use of fear from my own Dentist. They also used deceptive practices about interest rates to get me to signup. They also blatantly lied about interest rates and I couldnt even read the fine print until after I signed.

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 monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: OK
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:
In XX/XX/1922 I created a dispute regarding inaccurate and unknown information on my credit report. To this day XX/XX/22 over 30 days later XXXX XXXX XXXX XXXX with account # XXXX it is still on my credit when I have not given XXXX XXXX XXXX XXXX my written instructions to furnish any information to the credit bureaus. 

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 explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
THIS COMPANY HAD NO PERMISSION TO ACCESS MY CREDIT FILE. NOR DID THEY HAVE PERMISSION TO REPORT THIS BY LAW. I DISPUTED WITH THIS COMPANY AND SHOWED THEM WHERE THEY VAILED THE Fair Credit Reporting Act " FCRA '' AND DEMANDED THAT THEY DELETE THE INACCURATE AND INCOMPLETE INFORMATION OFF MY CREDIT FILE AND DEMANDED THAT THEY PROVIDE COMPENSATION BASED ON THE " FCRA '' IN CIVIL LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.

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 2021-08-10
Company: Freedom Mortgage Company
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had a VA Loan from Freedom Mortgage but sold my house in XX/XX/XXXX. The loan funded and my debt was cleared and there was a surplus in escrow that was owed to me. a check was sent from them supposedly to my old address that I never received. I even received a letter from them as such. 
I called their customer care 800 # on XX/XX/XXXX and requested they cancel the other check and re-issue the check. The person I spoke with assured me the old check was cancelled and a new one issued. He asked me to wait 5-7 days. One week later I called when it wasn't received and was told the old check was never cancelled and the new check never issued. He told me he would take care of it for me. Another week passed and no check. I called again and asked to speak with a supervisor. i spoke with XXXX XXXX # XXXX who assured me the fastest way for me to get my money was an ACH transfer which he was going to take care of and would be in my account no later than Monday XX/XX/XXXX. to no surprise on Friday XX/XX/XXXX it still was not in my account. I called back and spoke to the agent but asked if I could speak to a supervisor. XXXX badge number XXXX told me ACH was not possible and only a manual check could be issued. he would take care of it and call me back either that day or the following day as soon as he found out something. I still have not received the call from XXXX nor have I received my escrow money. I have done far more than due diligence in trying to get my money back and all I get from Freedom Mortgage is lies, misinformation, and subterfuge. I even requested at one point to speak with XXXX manager and was told managers do not deal directly with customers and he was the highest authority i would be able to speak with. This business practice is deplorable. Freedom Mortgage has been using my money for nearly 4 months and that is excessive. I want my money back.

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