BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: FL
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:
INACCORDANCE 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 16.81 The accounts below have violated my rights.

15 U.S.C 1681 section 602A 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 ) ( a ) 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. 

Delete the accounts below : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX bought my debt from RECEIVABLES PERFORMANCE MANAGEMENT , LLC who already acknowledged it was not valid with XXXX, these people doesn't do their job toward verifying debts!

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 2019-08-26
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know where this debt came from. I've asked repeatedly for validation of this debt. What they send me are bills that do not match any of my personal information except my name. Please investigate and remove this account from my credit reports. I am sick with XXXX and can not continue to go round and round with this company. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX account # XXXX ; XXXX/XXXX  account # XXXX ; XXXX XXXX  XXXX  account # XXXX XXXX XXXX XXXX XXXX  XXXX  account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX & XXXX ; XXXX XXXX account # XXXX XXXX XXXX ; XXXX XXXX XXXX account # XXXX & XXXX XXXX ; XXXX XXXX XXXXXXXX account # XXXX & XXXX ; XXXX XXXX account XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX & XXXX XXXX XXXX account # XXXX XXXX  XXXX ; XXXX account XXXX XXXX ; XXXX  XXXX  account # XXXX & XXXX has violated my Rights 15 U.S.C 1681 Section 602A States, I Have the Right to Privacy 15 U.S.C 1681 Section 604A Section 2 or 15 U.S.C 1681A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction ( s ) 15 U.S.C 1681b, permissible purposes of consumer reports, subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the folllowing circumstances and no other in accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1692C, communication in connection with debt collection without the prior consent of the consumer given directly to the debt collection or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-11-02
Company: EQUIFAX, INC.
State: NJ
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After receiving the letter from Sunrise credit services about a collection notice regarding the balance from a utility company. The account number was incorrect on the notice. After investigating, I found the utility company balance was from a property that was sold by me almost 1 and year half ago. I did not receive any notice from the utility company regarding any unpaid balance. Since, my understanding was that all accounts are cleared of balances due at the time of closing. Now, when the collection agency sent the letter it had a date on the letter stating that if I communicate with the collection agency before XX/XX/XXXXXXXX of XXXX, they must stop any collection actions and further investigate the charges. But, they instead reported the collections on my credit report on XX/XX/2023. I have communicated via email to them, explaining that the balance was paid in full to the original creditor after the utility company confirmed that the balance belonged to me. But I never received any letter from the utility company after I sold the property. So, now even the balance is paid in full to the original creditor. Collections agency is not willing to delete the collections reported on my credit report. 
Kindly help .thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My name is XXXX XXXX co-signer of Navient loan ID : XXXX and XXXX for my son XXXX XXXX. Each month I pay extra to be applied to the principal. I write clear directions on each payment stub, and also write allocation amounts for each loan in the memo section of the check. I then take a photo of all documents before mailing and the bank also has a copy of the cashed check. I do this due to the consistent and arbitrary misappropriation of funds that Ihave experienced with first Sallie Mae and now Navient. 
On XX/XX/21 I allocated XXXX to loan XXXX and XXXX to loan XXXX for a total payment of {$590.00}. Loan XXXX received the correct allocation and loan XXXX was shorted {$100.00}. Where did the {$100.00} go? 
I am so frustrated with this legalized extortion via student loan interest rates coupled with the ineptness of Navient. Thank you, once again, for reading of my concerns. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: DriveTime
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:
I am a victim of ID theft. I have filed a local police report and the FTC complaint. 
The thief tried to obtain credit fraudulently from drivetime on XX/XX/2021. 
I disputed the inquiry on my credit report through the credit bureau. On XX/XX/XXXX I received a letter from drivetime stating that they denied my request. ( see attached letter ) Quote : " Our records show your credit was pulled after you visited our website, www.drivetime.com, or one of our dealerships on XXXX XXXX. Our records also show you gave us permissions to pull your credit because you were interested in obtaining credit for the purchase of a vehicle. Since you authorized the credit pull we will not be able to grant your request. '' I immediately called the company at the number on the letter. After explaining the issue and getting nowhere I asked to speak with a supervisor. The supervisor identified himself as XXXX XXXX from the customer relations team. 
He told me they will not remove the inquiry because it was legitimate and they have no proof it was not initiated by me. I was very clear that I am a victim of ID theft, I never authorized anyone to obtain credit in my name, I have filed the report with the authorities and I offered to send them a copy to verify my claim. 
XXXX XXXX still had no interest in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian is not complying with the provisions of Section 611 of the Fair Credit Reporting Act of 1970. I asked for the removal of a XXXX XXXX  bankruptcy from my credit report because Experian has not given me the person or individuals and the court they contacted about this information so that I can follow up on my end.

All I have heard from them is that : '' Please be advised that an internal review was completed and results were mailed to you. '' This is not acceptable.

I have asked for the name, time, and date of the person to whom Experian spoke with concerning this derogatory mistake that is damaging my credit and costing me severe damage to my finance every year.

By my interpretation of Section 611 ( a ), it is understood that failure to investigate this mistake within 30 days constitutes a reason to permanently remove it from my credit file.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: MT
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and 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.

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 2023-11-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called to settle debt in XX/XX/2021 with Professional Debt Mediation and came up with a total everyone ( original creditor ) agreed on. I told the representative there were 2 accounts from PDM, he told me it SHOULD only be 1. When paying off debt, I informed the rep I needed to break up payment due to daily card limit after our declined attempt to pay by phone. He stated I had to pay {$1000.00} for XXXX XXXX XXXX, then could break up and pay the remaining. I specifically asked " once I make this payment, that's it? It'll come off my report? '' He reassured me it would. I then paid online the same day making sure my 1st payment was over {$1000.00}, paying the remaining the following day as my card allowed. PDM removed the 1 account this representative claimed to be as the only, but now claiming I did have 2 accounts and still owe for something I was told I already was paying for. I explained to one rep and a manager that I was told I had 1 account that included what they're saying I owe and they completely dismissed it and stated I shouldn't have been able to pay the account I did pay, without paying sure deposit 1st. I completely agreed and asked " if that's the case and your reps know the procedure, even telling me before paying, how was I able to pay in the 1st place if sure deposit wasn't included like the 1st rep told me? '' They said they don't know and continued to argue if I would have paid it, it would have shown that there was a payment on the 2nd account. However, the whole thing about this incident is that I was made to believe there was ONLY 1 ACCOUNT! Why am I still in debt for something your representative proclaimed I was paying? I asked the manger for the recording from that day, which another representative told me I could request, but the manager stated they don't give recordings to consumers. It seems like every rep there has there own rules and act as if we owe them directly, not to mention RUDE! I contacted the original creditor and they reassured me I have a {$0.00} balance with them, so who exactly do I owe?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have sent out a letter to XXXX XXXX, and Transunion concerning my credit report. Due to suspicious activity on my credit report. I simply asked XXXX XXXX and Transunion to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days and then a second letter another 20 days of waiting on a response.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: NC
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 Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an 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 non-monetary relief
Consumer complaint received 2021-07-04
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in the process of trying to settle a couple of debts that went into charge off status, once I contacted the companies I asked them for a deal of pay to delete. I was given the amount that they were willing to except and was told that once I paid the debt they would submit to the reporting credit bureaus to remove the account since they were the ones to have the debt placed. I was also told to write pay to delete on the money order or certified funds. I did all that was asked, now the companies don't even answer my calls nor do they respond to my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Vehicle loan with Santander. I sold this vehicle on XX/XX/XXXX and had a total payoff balance given to XXXX XXXX  XXXX. Santander reported payment late in XX/XX/XXXX after it was sold. I have disputed and it has not been reflected accurately. I want this reported as current. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Trouble during payment process Dear CFPB, I am still having issues with my loan servicer Specialized loan servicing. This company has yet to assist me with resolving this issue.

I have made 3 mortgage payments since XX/XX/19.

Payments : XX/XX/19 - Payment {$2500.00} along with {$290.00} in unapplied funds which would have covered my XXXX  mortgage payment XX/XX/19- Payment of {$2700.00} was made and is sitting in unapplied funds which should have covered my XXXX   payment.

XX/XX/19 - Payment of {$2700.00} was returned to my bank by specialized loan Servicing. This payment if accepted would have paid XX/XX/2019 bringing my account current for XX/XX/2019.

XX/XX/19- Payment was made again in the amount of {$2700.00} and extracted from my account XX/XX/19. This payment brings my account current for XX/XX/2019.

This company Specialized loan Servicing has yet to apply any of these 3 payments to my account to bring my account current. They payments are sitting tied up a ( suspense ) status. I have called over 8 times trying to address this matter and i have not received resolution. My account still reflects a payment due for XX/XX/19. I have made 3 mortgage payments to bring my account current none of which have been applied.

THIS IS CAUSING LOTS OF STRESS!!! My mortgage appears to be behind 4 months and it is not. This could cause me to lose my home. My current payment for XX/XX/2019 is now due. So far this company continues to accept my payments and refuses to apply my payments to my account. Every time I call I am being told payments are not applied due to a loan modification which I NEVER ASKED THEM FOR AND DO NOT WANT. I keep telling them I do not want their loan modification because I do not trust these people and do not feel they have the Home owners best interest at heart.

I would like this matter resolved ASAP and for this company to be addressed. Specialized loan servicing continues to put the status of my home in jeopardy and I am paying my mortgage.

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 2021-12-22
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation