BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: TrueAccord Corp.
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began receiving texts messages from True Accord that I owed {$170.00} from XXXX XXXX XXXX XXXX. The text message takes you to a website providing the amount Im supposed to owe however it doesnt have my name or information attached to it. In addition, I do not owe any money to XXXX XXXX XXXX and have had my account set up on auto pay for years. The amount True Accord is trying to say I owe has never been reflected in any previous bill.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-11-26
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:
ACCOUNT # XXXX XXXXXXXX XXXX gave a payoff estimate to the buyer ' s of my home. Payoff amount as provided, was wired to XXXXXXXX XXXX  and sale closed. I moved out of property because buyer ' s were investors and required that I move out immediately. XXXXXXXX XXXX then realized that they made a mistake with the payoff estimate that they provided. They claimed that there was a shortfall of about {$2000.00}. 

XXXXXXXX XXXX  started to report that as late payments on my credit report for all the months that they were trying to resolve this issue with buyer. Eventually, it was resolved, and extra payment was wired to XXXXXXXX XXXX 

The multiple late payments which was not my fault has made it impossible for me to get a mortgage for another home. I have spoken to XXXXXXXX XXXX about this severally, but they have done nothing. 

Also, the mortgage loan is still showing as open and having a balance when in actual fact, the mortgage is fully paid and closed. Please help me sir/madam.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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 2022-01-18
Company: Spring Oaks Capital, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Spring Oaks Capital on XX/XX/XXXX requesting a validation. In response, I received a letter dated XX/XX/XXXX with a statement with balances from what seemed to be from another collection agency along with a Bill of Sale document. In response, I responded with a failure to validate letter on XX/XX/XXXX. Spring Oaks replied on XX/XX/XXXX ( received in the mail XX/XX/XXXX ). The letter states they WILL " NOT be conducting another investigation of the dispute '' since they responded to the last letter. With this letter there were more statements along with the Bill of Sale document. The account is reporting on my credit report and I have yet to get any clarity on this debt as requested. I have given ample time for validation yet the so-called account is still not validated and is continuing to report on my credit report causing a negative representation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank account opened with TD Bank. My XXXX reported it and I contacted the banks fraud department to report the issue. I received two emails from TD Bank that welcomed me to my new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04
Company: ALLY FINANCIAL INC.
State: TN
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:
Ally Bank is a bank that did a credit inquiry on my credit report on XX/XX/2020 in reference to a co-applicant loan for a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX they did proceed to go through to process this loan with a application ID number of XXXX and Ally stating the reasoning of denial of the loan was they could not run a credit score with XXXX due to it not being available. However, Ally caused a hard inquiry on my credit report.This is reporting in error with all three bureaus. Please have this error removed off my credit report. Ally did not get a score but it's stating they did a credit hit on my credit report. Ally Bank XXXX XXXXXXXX XXXX CT XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2020, I mailed a letter requesting investigation of inaccurate accounts that were listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter addressing that. I still haven't received a response and it's been 5 months!!

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 2023-04-19
Company: Experian Information Solutions Inc.
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: 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 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 or 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 2023-06-27
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX you are in direct violation of the fair credit reporting act XXXX XXXX XXXX, XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A. clearly states that 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.

remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX/XXXXXXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2022-09-16
Company: Commerce Home Mortgage, Inc
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was conditionally approved and was supposed to close today so. I was informed yesterday that my closing wasn't going to happen, because I needed a new one 12 month mortgage history. My mortgage is reporting on my credit report, they have a fantastic day credit supplement showing current, they also have a letter from my mortgage company stating I've not been late on the mortgage. The payoff shows that the payment due is for XXXX. With an XXXX Accept, FHA does not require a credit card payment history. I know this to be a fact as I am also an underwriter. I have have provided all documentation required of me even while recovering from XXXX XXXX. This is very upsetting that after all this they are finding baseless reasons to not close my loan. As they have not provided any valid reasons based on agencies guidelines. The only reason I see for not closing my loan at this point is the fact that I am XXXX. There's no other valid explanation. I am also attaching a copy of the original loan approval that did not require a mortgage history.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Company: Gordon, Aylworth & Tami, P.C.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I really didn't know anything about the situation that was happening to my friend. I guess this was an old credit card debt from years ago. First I heard of this situation was this last XXXX XXXX. She told me that this lawyer/ collection office ( XXXX XXXX XXXX XXXX XXXX has sued her and is garnishing her account. Which she is on SSD support to help her survive. She is paranoid XXXX. They already have a judgement she said on her account and started taking money out. 
This is when I heard of what is happening. She asked if I could use one of my credit cards to pay them off so I have money for my needs from my XXXX. I said finally ok. I had her call to pay the full amount. She asked them for some kind of discount it's paid today in full. They said no. Oh, I don't know anything about the above situation but something just doesn't sound right I told her.

This is where my complaint originated. I received my XXXX XXXX bill and this company processed the payment as a wire transfer. I looked up their payment process and it states on checks/ debit card they might do a wire transfer. So, I tried to help a friend and pay her bill and get charged a wire transfer fee of {$81.00} and interest of {$8.00}. Total of {$90.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with NISSAN ACCEPTANCE CO customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During the coronavirus pandemic I was told by XXXX acct XXXX that my account would be protected through the pandemic due to my loss of job related to coronavirus pandemic ... I was reported late to EXPERIAN XX/XX/2020 ... I was told my account was protected from getting late marks due to the circumstances of my job because of the pandemic.. I am requesting the late payment XXXX be EARSED ...

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 2020-11-16
Company: GVA Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$600.00} with the understanding that the {$98.00} per week I was paying was the interest on the loan, and that I could pay off the principal at any time -- they just told me that if I paid it off this week, I would owe {$780.00} in addition to the {$200.00} in interest I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Financial Solution Providers LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$1800.00} has been collected from me since XX/XX/XXXX from collector other then original creditor and when requested documents of original agreement and information on how much I have left owed and proof of where my checks have gone to the operations XXXX promised it will be sent to me within 24 hours and since then and following up with him and other employees of Financial Solution Providers @ fsp emails and calling FSP number on main websites I have received no responses, pick up of phone calls anything at all and more payments are going to continue to come out of my bank account by auto draft and nobody will acknowledge or respond to any of my attempts to contact them. Im just being ignored and I don't know that my checks are going to something legitimate or what to do as nobody from that company will respond to me.

Company response to consumer: Closed with explanation