BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: R & B Corporation of Virginia
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: Information belongs to someone else

Complaint:
I have credit control corporation on my credit reports with several accounts With balances and its fraud I never opened these accounts .. I have contacted the company to send documents to prove it was me and to let them know this was not me and not anything was resolved.. I gave 2 accounts with XXXX balance and another with XXXX balance another for XXXX .. I need them accounts removed due to fruad

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute certain information on my credit report related to the following accounts. The discrepancies have been acknowledged by the respective banks as internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXXXXXX XXXX XXXXXXXX XXXX, DEPT OF ED/XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. XXXX. I have attached supporting documentation, to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2023-01-06
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I need the accounts corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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 disputed inaccurate information on my credit report on several different occasions and the CRA 's ( XXXX, XXXX and Equifax refused to accurately investigate while sending correspondences back stating everything was accurate ( Fraud ). No reinvestigation took place. It is now XX/XX/XXXX and this account is still reporting inaccurate information. 

XXXX XXXX # 's are XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Equifax XXXX # 's are XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 's XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However, XXXX, Equifax and XXXX failed to mark notice of dispute on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX never has violated my rights. 

XXXX XXXX XXXX # XXXX I never made a late payment on this account, please correct. 
XXXX XXXX  # XXXX, I never made a late payment on this account, please correct. 
XXXX XXXX  # XXXX, I never made a late payment on this account please correct. 

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

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, FL Date Updated : XX/XX/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 2023-03-25
Company: Factor Trust
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: Account status incorrect

Complaint:
XXXXXXXX XXXX XXXX  reduced my personal line of credit due to the misstating the balance, reporting late payments incorrectly, failing to report a discharged debt or paid debt, reporting old debt as new or re-aged, closed accounts as active, reporting information over 7 years reporting civil judgments over 10 years, by XXXX XXXX XXXX and FactorTrust, Inc. Their action has caused me harm by their continued abuses, violations, REPRISAL to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: OneMain Finance Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This loan was previously with Springleaf, acquired by OneMain Holding , Inc. This is a trailer that was originally purchased in XXXX. This loan was paid off in XXXX with OneMain. After paying the loan off we were told by OneMain that we had missed payments and therefore we would need to keep paying although we disputed this and when asked how much longer we would need to pay OneMain would not give us a date and told us they would let us know but in the meanwhile just keep paying. We are XXXX  XXXX Americans and the original account holder will be XXXX ( XXXX ) XXXX XXXX next year, the joint account holder is in his seventies, as well we are XXXX and on a XXXX income. We felt as if we were being taken advantage of due to our age and just not knowing how to handle the issue or who we could turn to for help. We never received any documentation from OneMain to sign or give us the details of the claimed missed payments. Over the course of almost XXXX XXXX, we have asked many times when we will be done paying this loan and we never get specific answers, nor have we ever received anything in writing. We are paying XXXX percent interest on this loan, which is very high. In XX/XX/XXXX we were told by OneMain that we had not made our XXXX, XXXX and XXXX ( XXXX ) payment although all payments had been made. We finally confided in our daughter who asked that we call OneMain and give her permission to speak with them to help us get the necessary answers needed. We contacted OneMain in XXXX with our daughter conferenced on the call. When asked about the missed payments for XXXX XXXX the representative ( XXXX XXXX stated that the payments had been made but that they were delinquent due to missed payments in XXXX XXXX and XX/XX/XXXX which was the first time this had been brought to our attention. When asked who the CFO or CEO XXXX was placed us on hold and refused to tell us only saying we can speak with the XXXX. Our daughter told the representative that their practice was predatory and that they had violated our rights. We have the receipt showing the payment made from XXXX XXXX. In XX/XX/XXXX OneMain offered to give us what they called a " Settlement '' option to resolve payments that we had made although they were claiming the payments were never made from XXXX and XXXX which they counted as the XXXX, XXXX, and XXXX payments of XXXX. We don't have any idea what type of loan this is that OneMain has us in because we have only received statements. We need help. We feel as though we are and have been the victims of unfair, predatory as well XXXX abuse treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10
Company: United We Collect, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple debt validation letters to United We Collect Inc, formerly known as United Collection Service , Inc . I sent the original debt validation letter on XX/XX/21 and sent a second validation letter on XX/XX/21. I did receive correspondence from United We Collect in the mail. This company has failed to validate this alleged debt. Instead, they sent an itemized list of charges along with a copy of a patient statement from my medical records which I know is a direct violation of Hipaa regulations. United We Collect Inc has violated my Hipaa rights. I've never signed a Hipaa form authorizing them to have access to this information. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, OR NEAR XX/XX/XXXX, I WAS NOTIFY BY MY THE CREDIT REPORTING AGENCY THAT SOMENE WAS USING MY IDENITY FRAUDULENTLY .WHILE ON XXXX SOMEONE WAS GETTING UNEMPLOYMENT IN MY NAME ALL MY INFORMATION WAS COMPROMISED. I IMMEDIATLY CONTACTED EDD UNEMPLOYMENT OFFICE I STATED THAT MY ADDRESS NAME SS WAS BEING USED FRAUDULENTLY AND MY ISSUED XXXX BENEFIT CARD FROM BANK OF AMERICA WAS NOT WORKING / I CONTINUED TO WARN AND NOTIFY BOTH BANK OF AMERICA AND EDD XXXX MY INFO HAD BEEN COMPROMISED STOLEN, WHICH TAKE 60 DAYS FOR ANY ONE TO RESPOND. I WAS TOLD TO SENT ALL MY INFO IN TO VERIFY MY IDENITY WHICH I DID TO ALL AGENCIES INCLUDING SOCIAL SECURITY OFFICE .WITH NO RESPOND ON STATUS AFTER CALLING ALL THE AGENIES FOR 7 MONTHS STRAIGHT, WHICH I WAS TOLD SUPERVISOR WOULD CALL ME BACK WITHIN 48 HRS WHICH IT NEVER HAPPEN. ON OR NEAR XX/XX/XXXX I CALLED EDD UNEMPLOYMENT MY NAME WAS CLEARED BANK OF AMERICA WAS NOTIFY TO RELEASE THE HOLD ON MY BENEFIT CARD AND REPENISH ALL THE FRAUDULENT ACTIVITY BANK OF AMERICA HAS NOT FOLLOWED THE GUIDELINE AND STILL HASNT UNFROZEN NT BENEFIT OR NOR RELEASE MY MONEY I NEED HELP

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 2018-06-29
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We signed a contract to build a home with Taylor Morrison Home Builders on XX/XX/XXXX We chose to use their financing and trust their inspectors. They showed us several lots within the development that we liked and we chose a lot that was larger and listed for {$10000.00}. This lot is included in the contract. We went through a disastrous design and build process ( see letter attached in Step 3 ). Our questions during the process were met with total indifference and/or contempt. When it came time to appraise, the appraisal came in {$25000.00} below our purchase price. Taylor Morrison refused to acknowledge a problem. We met with their mortgage team, the sales department heads, among several others that did not acknowledge any issue and put the burden on us to make up the difference. They eventually gave us roughly {$2500.00} back in the purchase price but failed to explain how they made the difference of that amount up given we did not bring any more to closing, and our monthly payment did not change. At the final walk through of the home, I was asked to sign a paper saying that I acknowledge receipt of the landscaping and lawn in good order and they were not responsible for any dying grass or shrubs, etc. I asked to see the yard before signing. As we were walking the property our construction Superintendent ( XXXX XXXX ) left siting childcare issues. I never signed any document nor did we finish our final walk through as the house had to be locked. Once we moved in, I noticed immediately during the first rain that the yard did not drain properly ( see attached images ). The plan calls for water to move off the property however it ponds and does not move from the back. This has caused the grass to die, and hazardous conditions for our pets and selves. Mosquitos, fungus, bad odors all inhabit the yard. Taylor Morrison claims that the grass is not warranted, and there is nothing they can do about the yard holding water. They claim it is per the plan and refuse to determine why the water ponds. XXXX XXXX stated that our property was a " swale '' and that water ponding for 72 was totally acceptable. In all of our conversations with any representatives of Taylor Morrison, no one mentioned a swale, we did not acknowledge that our property is a swale, and it is inconceivable to me that they will not acknowledge the problem. During the entire process, we feel misled. There were serious misrepresentations that took place and the warranty program is a continuation of this pattern. They claim to be " the most trusted builder '' however our experience is much different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: MOHELA
State: OH
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:
XXXX wont remove Mohela when I was approved by XXXX when I was approved a TPD discharge over a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Cant login to my wellsfargo online account please help

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 2022-12-09
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to Experian was dated XX/XX/2022, but I never received a response from them. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts : 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 2018-09-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX XXXX OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, Im trying to determine the closed date of my CHASE Sapphire card. Im thinking about reopening a new one but I also know that 48 months has to pass. I called customer service, got bounced around to 3 different people and couldnt get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit report showed a mortgage lender looked at my Equifax credit report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
U S DEPT OF EDXXXX {$5500.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; XXXX internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX C C C - - - - - - - - - XXXX C C C C C C C C C C C - XXXX - - - - - C C C C C C C C Collection - Data Unavailable

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