BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: EQUIFAX, 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:
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 U.S.C 1681 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 responded saying they cant find my information or a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I did requested a thorough investigation done through all credit bureaus ( Transunion, XXXX, and XXXX ) and they did state that it was accurate and I did and double investigation myself and it is inaccurate. I have made several attempt to resolve this issue with the credit reporting agencies. I have been trying to resolve these issues since early 2022 and as of today no avail. 
According to the In accordance to the fair credit reporting act the following accounts has been verified and has violated my rights. 
XXXX XXXX - no account number available Amount : {$720.00} XXXX XXXX - Account number XXXX Amount - {$5900.00} XXXX XXXX XXXX, XXXX XXXX N/A Amount : {$580.00} XXXX XXXX XXXX XXXX N/A Amount- {$580.00} 15 U.S.C 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 Section 2 Agency can report anything on your credit report without have written instructions from 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 non-monetary relief
Consumer complaint received 2022-11-20
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:
Company responded back on XX/XX/2022 that the item wasnt reporting on credit report but still shows and is still violating my consumer rights according to 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 2018-07-26
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX 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 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 of 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 explanation
Consumer complaint received 2023-08-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I held two separate accounts with Toyota Financial Services. One account encompassed a lease for a XXXX XXXX, while the other involved a lease for a XXXX XXXX. The XXXX lease was entirely settled on XX/XX/XXXX, and the XXXX lease was similarly paid in full on XX/XX/XXXX. Despite these complete payments, XXXX proceeded to label our accounts as delinquent to XXXX XXXX XXXX. Consequently, both my wife 's and my credit scores experienced a substantial decline of XXXX points. 
I diligently submitted all necessary documentation to XXXX via their web portal, and I even engaged with their representatives on two separate occasions ( early XXXX and XXXX ). Regrettably, XXXX has yet to rectify the erroneous impact on our credit ratings. I kindly request your assistance in resolving this troubling matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquires are unauthorized and need to be removed from my credit report immediately.

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 2022-12-14
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
A fraudulent transaction occurred on my Citi LL Bean credit card. Someone drew a {$8400.00} convenience check against my card. This generated a fee of {$330.00}. All occurred mid XXXX. Citi immediately placed the {$8400.00} into a disputed status and removed it from my account. However, there policy is that the {$330.00} remains until after the investigation which could last 60 days. They dont plays fees into dispute?? This makes no sense. I am getting notices of payment due. I have made 4 calls to Citi. Last two escalated to fraud investigation where I learned of this policy. They would not take the {$330.00} away. They agree I will be late on a payment and to my knowledge my first ever. My credit score dropped XXXX points when this occurred. Surely it will drop again when the account goes past due. Please help. My issue is no one at Citi above these hard working customer service reps were available for me to state my case. On each call I asked for some one with authority to handle call me. No way. I have to write then in XXXX XXXX. I assume and hope you can help so this frustrating experience can be resolved and maybe help others. Thanks.

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 2022-11-20
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I missed a credit card payment on my Amazon Synchrony Charge payment and I am constantly be charged late fees although have made a payment on the due date. The mininum payment on a XXXX dollar balance is XXXX. I made a prevous payment of XXXX and my balance still remain XXXX I have not been late in past two months and I am still being charge a late payment fee. I am concercerned about these predatory practices.

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 2021-05-20
Company: Santander Consumer USA Holdings Inc.
State: NV
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:
XXXX I saw that CHRYSLER CAPITAL was still reporting a derogatory mark on my credit report per XXXX XXXX XXXX XXXX Upon further research, this account was transferredXXXXsold and I am no longer responsible for the account, debtorXXXXcreditor did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. 

According to the FCRA XXXX collector name XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. I was a victim of identity theft and have submitted my information to the company several times in order to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting act 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

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 2022-11-20
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello My mortgage closed in XX/XX/2022 and my previous banker ( XXXX ) sold the mortgage servicing to Nationstar/Mr Cooper. I had made my first payment ( XXXX ) to the previous mortgage holder before it was transferred. My XXXX payment is not being reflected on my account with Mr Cooper. 

I have been in contact multiple times and sent the statement information from the previous mortgage company. I have confirmed with the previous mortgage company that all funds and information were sent to Mr Cooper. 

I made my XXXX payment after receiving confirmation over email that this is being addressed, but my XXXX payment was applied to XXXX and the additional principal payment is being held as a partial payment for XXXX. 

I was reassured that the payment would be addressed the week of XX/XX/XXXX, but it was not. 

I am concerned that this will impact my credit report when the 60-day grace period ends and my account still shows overdue. I have tried to pay additional money to the principal balance in both payments, and I am concerned that the additional principal payments are being amortized appropriately for the correct month. 

I have attached a timeline of communication and copies of all letters/information provided to me on this matter. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: OUT TECH, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Youve received a signed letter by me so far & two complaints to stop contacting me & I received a collection notice from your company again today. Consider this a pre litigation notice. If you contact me again after youve been told not to I will sue & I will win as I know my rights. Stop the harassment or I will take legal action against your agency. Its a promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Bread Financial Holdings, Inc.
State: LA
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 am submitting another complaint about Comenity Capital Banks inaccurate credit reporting to the consumer reporting agencies. Comenity Capital Bank responded to a complaint via the Consumer Financial Protection Bureau ( Reference Number XXXX ) on XX/XX/2022. I reviewed the response letters and obtained a copy of my credit report from XXXX on XX/XX/2022 to determine if the items Comenity Capital Bank reported to the credit reporting agencies were consistent with the banks response to the CFPB. 

I found that Comentiy Capital Bank was false in its response to the Consumer Financial Protection Bureau. I would like all items deleted immediately for violating multiple laws and regulations and for the intentional false response to the consumer reporting agencies on XX/XX/2022 and the Consumer Financial Protection Bureau on XX/XX/2022. 

Comenity Capital Bank is defaming my character by reporting accounts that have not been properly validated, reporting them inaccurately and refusing to permanently delete the accounts after being notified of the errors. 

A signed binding agreement between Comenity Capital Bank and XXXX XXXX still has not been provided for any of the accounts listed below. The accounts were transferred to other companies without an agreement. I am not liable for any of the accounts due to the lack of a signed binding agreement with Comentiy Capital Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX have 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 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 explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: IL
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 XXXXXXXX 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 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 crime which antedates the report more than 7 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 4 hard inquiries on my report that were said to be pre approved offers from XXXX and will not be considered hard pulls on my credit report. Upon being declined the inquiries were hard pulls on my report therefore false advertising on XXXX. I will like these inquiries removed thank you. 

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 explanation
Consumer complaint received 2017-02-21
Company: Ditech Financial LLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
In XXXX, the Consumer opened a case against XXXX within the CFPB 's dispute mechanism. The subject of this case was the right to collect a debt alleged to be secured by the Consumer 's home. Matters were adjudicated between both parties wherein XXXX certified to both the CFPB and the Consumer that they no longer claimed the right to collect. They further stated that it was their understanding that the alleged debt was sold to Green Tree ( now, DiTech, LLC ). 

In XXXX, upon reviewing a Consumer report indicating the alleged debt from XXXX to Green Tree [ # XXXX ... ], a cease and desist was issued and an investigation as to the validity of the alleged debt in question was initiated by XXXX. The investigation returned unverified and subsequently said item was removed. 

In XXXX, upon reviewing a Consumer report from XXXX, the same unverified debt was still being communicated to a third party over and above a cease and desist vacant a notification as required under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive sent Certified Letters and Called Transunion and XXXX to update my Legal Name They Refuse. My Primary Name and only name on my Report should be my Legal Name only. They will not Update properly.

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 2023-01-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 response to consumer: Closed with explanation