BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
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: Reporting company used your report improperly

Complaint:
This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned.

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report.

You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX  XXXX XXXX The inaccurate furnishing of data has had a significant detrimental

impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that
specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This is a notice. Thank you for your time,

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 2023-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter on XX/XX/XXXX from portfolio recovery. This letter stated I owe them {$5400.00}. this debt is from XXXX. I lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  from XXXX til XXXX. They are telling me on the phone they got a judgment against me in XXXX XXXX XXXX XXXX Virginia. I never received notification of this court date that was in a Virginia court. I lived in XXXX XXXX during this time. I never had any opportunity to recieved court documents or the knowledge this was even going on in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: IN
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:
Unauthorized credit inquiries being reported on my credit profile regardless of my confirmation that they were unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
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: Reporting company used your report improperly

Complaint:
This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this. 

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. 

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. 

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report. 

You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. 

I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. 

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. You are now on notice and I am hoping you obey the FCRA so we can avoid any court situations. 

Thank you for your time.

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 2023-12-18
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
LoanDepot charged for insurance for XX/XX/XXXX to XX/XX/XXXX. Proof of insurance was provided via email on XX/XX/XXXX. A partial amount of XXXX was refunded on XX/XX/XXXX but remaining amount of XXXX was not refunded till XX/XX/XXXX. This company kept money for no reason and did not provide any explanation. See document XXXX Also insurance purchased back in XX/XX/XXXX has not been refunded even when insurace company provided an invoice to them in XX/XX/XXXX ( see page 7 of document XXXX ). The invoice was sent directly to loandepot which they did not pay and purchased their own insurance. 


Company has been sending letters saying address is not correct on the insurance policy but they have an error in their systems where address is being truncated due to 30 character limit. they are also threating purchase of insurance due to this address issue. This is a deceptive practice. Company is also not paying the insurance company directly and has never paid them- they are not honoring the committments of the escrow account. they automatically purchase third party insurance routinely. Attaching insurance policy provided to them in XXXX which has correct property addess ( Page 5 ). - document XXXX Recently letter were received again saying property address is incorrect and notice that insurance will be purchased for me even after providing proof of insurance w correct address. See document XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Loan Depot claimed that my Home Owner Insurance lapsed on my property and they had to add Home owner insurance to my account. My insurance has never lapsed since I have been with Loan Depot. My Insurance XXXX has never sent a Notice of Insurance Lapse to Loan Depot. Furthermore Loan Depot stated, that the coverage provided might not match what I currently have. This has happened twice for no reason. I was never asked to provide proof of insurance by Loan Depot after my initial Loan approval. 
My Insurance has never lapsed as XXXX has confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
There are a ton of discrepancies with my Principal Balance, Payments Applied, Dispursments to and From XXXX, Unconfirmed charged, Unapplied funds and the list goes on. 

When calling to make any arrangements or get any questions answered I'm bullied off the line with some {$40000.00} due now payment that they can not or have not yet explained to me. 

Same charge is used as a forclosure threat anytime I call to pay. The XXXX time I was cornered to modify my loan terms. The XXXX time I was made to sign up for double payments for the next XXXX months. These are the responses to me trying to make a payment, there's always $ XXXX due now. Foreclose or do as we say! 

Lastly that XXXX is being reported as months past due on my account to credit agencies. Killing my ability to pass background for landing jobs with big clients.. My account is presently XXXX month past due. In the past XXXX  years since I've been here, I haven't been a full XXXX months late unless they refuse to post a payment that's been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-18
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
This is the second time I have tried to post payment for my accounts. I can make payment on my accounts until the XXXX of each month without getting a penalty. 
If the XXXX falls on a Saturday or Sunday the electronic system will not let me make a payment on line until the monday after the weekend and a late fee will be charged even. 
A large company like Loan Depot, claiming Great Customer Service, yet they will not let me make payment on the weekend. Banks are open regardless of day of the week. 
I don't need to talk to a representative I just want to post a payment. 
On line it shows the XXXX available for payment, but will not let me make my payment. 
I have included payment and screen printouts for both of my payments. 
XXXX for one property and one payment for XXXX. I do not wish deserve to have to pay late fees just because the payment date falls on a weekend day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX 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 an account without my written instructions. 15 U.S.C 1681 ( a ) ( 5 ) Sectio
n States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records on convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 
These inaccuracies are stopping me from obtaining credit for my family.

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I enrolled in to the XXXX in XX/XX/2023 and the money that was paid in from beginning of the loan till XXXX was taken out the account to be adjusted in the interest and reallocated back to the account. When they did this it made my account go severally delinquent ending up in collections within Capital one auto finance and then it was sent to mine and my wifes credit as a charge off resulting in my credit dropping XXXX points and my wifes dropping XXXX points. All because they took way to long to reallocate the fund taken out and I called every week religiously telling them whats going on and no one wanted to listen to me. And now my wife and I are suffering because our credit is all messed up thanks to capital one bank we cant buy a house now and also we feel like we are being punished by using our XXXX thats a federal act to lower our interest, the interest was lowered and the difference in the interest of the 28 month we made payments were applied to XXXX XXXX  and we will be resuming payment in XX/XX/2023. But for capital one to take over a month to figure out the difference in interest of XXXX payments and the money had been taken out the loan account made it delinquent resulting in false credit reporting. I spoke with Presidents office at Capital one and they owned they made a mistake but we are still suffering and havent gotten all our points back and plus we are suppose to have more points back because the auto loan decreased. So the amount reported as charged off was {$18000.00} something dont know exact number but after the interest was lowered our principal balance as of today is {$14000.00} and I talked with XXXX with the presidents office and he said that they would send over the credit information to the credit bureaus so they did that and the amount reported on my auto loan was {$16000.00} which is incorrect again and nothing was reported to my wifes credit since the charge off was made shes still XXXX points short. I have an attorney that gave me yall information to file a complaint. So I hope this doesnt happen to anyone else Also my name on the auto hasnt been updated its XXXX XXXX not XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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 hope this letter finds you well. I am writing to formally dispute a series of unauthorized fraudulent inquiries listed on my credit report. The inquiries in question have been made by 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 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 XXXX XXXX XXXX XXXX XXXXXXXX want to bring to your attention that these inquiries were made without my consent or authorization. As a responsible consumer, I regularly monitor my credit report for accuracy and unexpected changes. The Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports, as outlined in Section 611 of the FCRA.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I disputed inaccuracies and derogatory information on my personal credit report with XXXX, XXXX and Transunion. I have waited the 30 day customary time frame given the credit bureaus by law and have not received a response from these companies at all. This incorrect reported information is drastically effecting my lively hood as well as my life as a whole. I have mailed to XXXX, XXXX and Transunion failure to respond letters prior to filing this complaint. Any assistance in getting these issues rectified as soon as possible would be greatly appreciated. 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 2023-02-05
Company: Experian Information Solutions 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:
This is the second time that I have had to do a police report because the credit bureaus keep allowing someone to open accounts in my name. I had my car stolen with all my personal info in it about 4 years ago and ever since then someone keeps doing this. I mailed everything the credit bureau asked me to mail to them as proof and they only took off one or two of the accounts not all of them. Also two of my credit cards are showing as more than 30 days late and they were not. I sent in receipts and my bank statement as proof they were paid on time and they are still showing late on my 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 explanation
Consumer complaint received 2022-05-30
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, a natural person, consumer, and acting without any help from a third party want to complain that I sent Calvary Port a certified letter asking for an audit trail so that I could validate this debt per my consumer legal rights which are to protect me. Calvary Port has not sent me an audit trail and it has been six months. During this 6 months they have continued reporting these inaccuracies in spite of them being disputed which is also a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, 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: 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 c payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation