BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-07-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Got this mortgage on XX/XX/2006 have paid more than XXXX and the balance is more than the actual amount barrow which was XXXX I now owe around XXXX please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent the Consumer Reporting Agencies a Certified letter ( tacking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) asking each Consumer Reporting Agency to provide me with the documentation where I XXXX XXXX XXXX ( the Consumer ) gave the Consumer Reporting Agencies written Instructions to Furnish or publish an account on my Consumer Report. in According to the FCRA Permissible Purposes of Consumer Reports 15 USC 1681b ( 2 ). its now XX/XX/2022 and I still have not received that document from the CRA 's I also asked the Consumer Reporting Agencies to do a full investigation of the accounts that is reporting on my consumer report. the Consumer Reporting Agencies Stated ACCOUNT NAME : XXXX XXXX ASSOC ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX was properly investigated and all the Information was accurate, but how is that possible if the Open date is inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, the Account type is inaccurate and the past due is inaccurate these are grounds for Deletion. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate So once again the law clearly states a consumer reporting agency can not furnish any accounts on my consumer report without my written instructions. and I never gave no one written instruction to furnish anything.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2023-04-09
Company: Experian Information Solutions Inc.
State: TX
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 writing to request that the XXXX XXXXXXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance loan with NewRez on XXXX Loan # XXXX. Late in XXXX when the CD documents came the numbers were wrong. My home appraised for XXXX, the document said XXXX. I was also told that the money I needed for closing would be {$250.00}, that document had {$780.00} needed at closing. I had also paid 3 more payment on my loan since I started the process, and it was not prorated on the CD documents. I called, and I emailed for weeks trying to get someone to explain why these numbers were different. I never got a reply back from any one. Just recently a new loan processor emailed me saying I was approved for the loan. The rate lock was due to end on the XXXX. It's seems like I've been scammed. All this time with no one wanting to return my calls or answer an email now as the rate is due to end they call. Called again today to ask why I was treated this way. Still no answer at this point, never did find out the answer to the wrong numbers on the CD documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-18
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was checking my consumer profile when I noticed this alleged debt from a company named CCS Collections on my XXXX report, So attempted several times to dispute it and of course, it came back verified, This was last year some time, So I looked up the company and found out that according to XXXX XXXX XXXX, They are not registered and have no license to even attempt to collect a debt from anyone let alone from the state of XXXX, So I reached out to them to dispute this alleged debt and the several violations of my consumer rights. The first XXXX is I the consumer don't owe this company anything and I never gave the original furnisher written Permissible Purpose by law to sell, publish or report any of my personal information to any third-party reporting agencies so that would be identity theft, Aggravated identity theft according to 18 USC 1028A . Secondly transactions according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; about this alleged debt. 
My last attempt was me reaching out to the address I found online CCS Collections XXXX XXXX XXXX, XXXX MA XXXX I don't even know if its a real location or a virtual address and I sent out this letter XX/XX/2023 to that address

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to KIA Motor Finance for $ {$4900.00} and not excepted due to Kia Finance not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from Kia Finance to be updated to paid off when that is what happen and my refund issued 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 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2023 a phone call to me was made by a scammer posing as a capital one employee stating my account was attacked. They were in my account already telling me about charges that were made. They were able to do a wire to a fake, made up person and capital one did the wire over the phone. The amount of the wire was {$20000.00} dollars sent to a XXXX XXXX at a XXXX  XXXX. THEY TOLD CAPITAL ONE THAT IT WAS TO MY BROTHER. I DO NOT HAVE A BROTHER. This info I got from capital one bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: KS
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 submitted a dispute with equifax regarding a hard inquiry I made on XX/XX/2022. I stated the inquiry was not mine and was fraudulent. Within 6 hours they responded to tell me that the result of their dispute investigation was to tell me what we already know. That inquiries stay on credit reports for two years. This was not investigating. They clearly didnt even contact the company. Its common knowledge for inquires start in reports for two years. But when you disputing your never made or authorized the inquiry, the inquiry should be investigated, not just explain the normal rules. No due diligence was taken by equifax to ask the company why they pulled my credit without authorization. I contacted the company and they couldnt even tell me why it was pulled and had no record of the inquiry. If equifax would do their job and the same phone call they would realized that the inquiry can not even be substantiated by the company and it should be removed. They didnt even do any work with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Time Investment Company, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/10, I checked my online account for a payoff amount, which it indicated an amount of {$840.00}. I paid the full amount due and owing on XX/XX/10 in the amount of {$840.00}, which was the listed payoff amount. The following month, I received a billing statement asking for {$8.00} in interest that posted to the account on XX/XX/10 ; the same date of my payoff. I called the company to advise this was an error and they claimed it was per diem interest charged for each day following the previous month 's statement date. This statement is contrary to the system annotation received and to what is listed on the statement itself. Per the statement, this interest was billed after the payoff and subject to the full balance, which is misleading per the least sophisticated consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : OAG CHILD SU Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, the following inconsistencies can be observed : The Date Opened of the account on XXXX is XX/XX/XXXX, while on Experian, it is XX/XX/XXXX. There is a difference of 24 days between the XXXX dates, which indicates a reporting error. 

The Date Last Active on XXXX is XX/XX/XXXX, while on Experian, it is XXXX XXXX XXXX There is a difference of 96 days between the two dates, which also indicate a reporting error. 

The Payment Status on XXXX is Unknown, while on Experian, it is Current. This inconsistency can indicate a failure to report accurate and complete information to the credit reporting agencies.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete. In addition, FCRA Section 611 ( a ) ( 1 ) ( A ) gives consumers the right to dispute inaccurate information on their credit reports and requires the credit reporting agencies to investigate and correct any errors. 

In addition, the account comments state XXXX XXXX bankruptcy for XXXX and Account has been closed due to inactivity for Experian. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete.

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 2023-03-27
Company: LEXISNEXIS
State: NJ
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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:
This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires Credit Bureau to respond within thirty ( 30 ) days, yet you have failed to respond. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
Credit Bureau has failed to respond within time limited by law. 
1. I have never been late with payments on this account. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hello yes I have i tried to resolve this issue with these companies XXXX XXXX XXXX told my to upload this letter and ask you guys to delete this fraud account XXXX  sent me this so I'm uploading

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: NE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
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 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

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