BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Swe Homes LP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SO I HAD LOST MY JOB DUE TO XXXX, ALSO MY HUSBAND GOT DIAGNOSED WITH XXXX AND WAS UNABLE TO HELP PROVIDE AND I LET THE MORTGAGE COMPANY ( SWE HOMES ) KNOW OF THE SITUATION AND IF THERE WAS ANY WAY I CAN MAKE SOME TYPE OF PAYMENTS AND THEY REJECTED. I WAS A FIRST TIME HOME BUYER AND I CAN'T BELEIVE THEY WERE NOT WILLING TO HELP ME IN ANYWAY..THEY SENT 1 FORECLORESURE PAPER WELL AT LEAST THAT I RECEIVED AND I DID NOT KNOW ANYTHING. I DID NOT SHOW UP BECAUSE I DID NOT KNOW I HAD TO GO OR WHAT TO DO. I HAD RECENTLY RECEIVED A JOB 2WEEKS PRIOR TO THE JOB AND I HAD TOLD THEM TO GIVE ME TIME. I WAS ONLY 2 MONTHS BEHIND. I GET A CALL 1 WEEK LATER THAT WE HAVE TO VACATE THE PREMISES DUE TO ME LOOSING THE HOME.. PLEASE THESE IS UNFAIR! ..THEY LEFT MY XXXX YOUNGER KIDS UNDER THE XXXX XXXX XXXX AND MY XXXX  HUSBAND AND I WITHOUT A XXXX. IS THERE ANYWAY I CAN GET IT BACK? I WAS SOO CLOSE TO PAYING OFF THE HOUSE AND THEY DID THIS TO US.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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:
TRANSUNION AND XXXX  ARE REPORTING ACCOUNTS THAT WERE DELETED OFF OF MY XXXX  REPORT AND IT'S HURTING MY CHANCES OF BUYING A NEW HOME FOR MY FAMILY.

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 2023-11-22
Company: FC HoldCo LLC
State: FL
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:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

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 2022-07-13
Company: Monterey Financial Services LLC
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I purchased a firearm and some ammunition online from a site called XXXX. The total was {$500.00} and they offered financing through a company called Monterey Financial which offered 90 days same as cash. That's what I opted for. It was supposed to be 3 payments of {$160.00} starting XXXX and XX/XX/XXXX was to be my last payment. Come XX/XX/XXXX I called, on their recorded line, to make sure my final payment was processed and the lady who answered said they already took the final payment from my account. I was 2 days within my 90 days same as cash but she assured me I made it in time. That was XXXX. Come XXXX, I see them on my credit report so I call to find out and they say my payment from XXXX had been returned! Nobody contacted me about it and I've called my bank who has NO record of it and now they're trying to make me pay more than double because it's past 90 days. I did some research on Monterey Financial and read about 10 reviews where people stated the exact same thing happened to them. I've called the supervisor at Monterey, XXXX XXXX, numerous times begging him to listen to the recorded line which they refuse to do. I've spoken to supervisors at XXXX also many times. It's a scam. Nobody will listen to me or help me. I have screenshots of my bank statements for XXXX and XXXX but nothing in my statements for XXXX. I've attached a pdf with my entire XXXX bank statement where you see no activity from Monterey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion and XXXX reporting XXXX XXXX XXXX credit Inquiry

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 2022-07-13
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2021-08-27
Company: DISCOVER BANK
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVER Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am unable to use my Amex card at any online retailer. The payment does not go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
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: Public record information inaccurate

Complaint:
I checked my Experian consumer report and it showed I had a bankruptcy on it. It showed US Bankruptcy Court TX, XXXX. I did not give any written consent to Experian to publish these. I know thats a violation of my consumer privacy. I sent Experian a certified letter on XXXX asking them to remove the bank bankruptcy. I sent a certified affidavit and another certified letter on XXXX showing Experian all the consumer rights that they have violated since I am a consumer.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681 ( a ) ( e ) Investigate Consumer Report 4. 15 usc 1681 ( a ) ( 1 ) Any person who willfully fails to comply

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 2022-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I just wan na close the account and mail out my remaining funds and there not helping 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 2022-06-13
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Call letting them know I dont have any acknowledgment of this

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 2021-08-27
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
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, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, SSC and utility bill was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Global Lending Services LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of 2020 I got laid off due to Covid I called and paid my car payment and I spoke to a representative about getting laid off. I asked if I could skip the month of XXXX due to the lay off. The representative said that she could move my XXXX payment amount to the end extending my term. I asked if it would effect my credit she stated it would not due to Covid. In XX/XX/2020 I made my normal payment before the due date and in XX/XX/2020 I paid double to try to make up for missing XXXX. Global lending marked me as 30 days late for the month of XXXX and XXXX. My payments are due on the XXXX of every month and I paid XXXX 's on the XXXX. So neither XXXX or XXXX should be 30 days late. I tried calling and explaining the situation and they are very rude. They stated they are a private company so it is under their discretion whether they follow the CARE act or not. They refused to let me talk to a manager and kept passing me around laughing at me and being very rude. I have the statements showing I paid XX/XX/XXXX and XXXX I paid double. I've disputed it multiple times and they keep denying it. It has greatly affected my credit and me buying a home. I do not believe what they are doing is fair. Especially considering they agreed to move my XXXX payment. But to also mark me late for XXXX when I have a statement showing I paid early in XXXX is absolutely terrible. I have tried everything and I am at a loss as to what I can do. Global Lending is absolutely ripping people off and ruining their lives. With these missed payments it has severely affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: AmerAssist A/R Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint ( XXXX ) in regards to AMERASSIST A/R SOLUTION on XX/XX/2021, the status of the complaint was updated and sent to the company on XX/XX/2021. It has now been an entire month and 6 days and I still haven't got a response from the company. However, AMERASSIST A/R SOLUTION has continued to furnish information about this alleged debt on my consume report, which tells me that their debt collection business is still up and running. I am sure I am not the only consumer who has complained about their practices and I want to get to the bottom of this matter once and for all. 

When I first disputed the validity of the alleged debt, AMERASSIST A/R SOLUTIONS sent me a " RETAIL INSTALLMENT CREDIT SALE CONTRACT '' that reads in fine print " this is a consumer credit transaction ''. So in other words, YOU ( AMERASSIST A/R SOLUTIONS ) are saying you gave a loan to a consumer that holds an open end credit plan ( all consumers hold open end credit plans ) which, btw we can regularly extend to ourselves through our true " credit card '' under 15 usc 1681. How then, can one be a barrower if the consumer is the true " debt '' collector? A consumer cant barrow from what he/she initiates. 

Secondly, AMERASSIST A/R Solutions is furnishing an alleged debt on my consumer report but failing to report it as disputed ( refer to attachments ). This is a violation pursuant to 15 usc 1692 ( e ) ( 2 ) ( a ) - " the false representation of the legal status of a debt ''. The legal status of this alleged debt should be listed as " disputed ''. Also, keep in mind according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that a debt is disputed ( when I disputed the validity of the alleged debt ), the debt collector ( in this case, You ) is SUPPOSED to obtain VERFICATION, not validation of the said debt.

This account is listed as a derogatory mark and decreases my chances of extending any further credit to myself. YOUR ( AMERASSIST A/R/SOLUTIONS ) collection practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct, the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt. You have most certainly tried to keep me in a hardship and I don't appreciate it. 


Furthermore, I do not know this company and have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XX/XX/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
Consumer complaint received 2021-08-27
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:
I HAVE AN ACCOUNT REPORTING ON MY CREDIT FILE THAT I DISPUTED WITH THE CREDIT BUREAUS SEVERAL MONTHS AGO AND I STILL HAVE NOT HEARD BACK FROM THEM REGARDING THIS ISSUE

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 2022-06-13
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Called and mailed fXXXX XXXX XXXX XXXX several times they wont allow me to pay off my balance due to a spouse steeling my credit card but I have gotten nowhere everyone I talk to Is disrespectful They are saying I need to get in contact with the third-party company that took over Ive been having no luck For months now The last investigation drop my credit score XXXX points Im in the process of trying to get a house for my kids Yes this account should be disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: VA
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 reached out to XXXX once I discovered my account was flagged as delinquent. This was a surprise to me because my account has been on auto pay for over 10 years since my account creation. I had to call XXXX over XXXX times before a representative thoroughly investigated this matter. Through discovery, it was brought to my attention that XXXX had migrated from a legacy system which removed customers autopay. As a result, my account went into a delinquent state. This is clearly no fault of my own. I finally was able to get XXXX to submit a letter on my behalf to remove this late payment. However, the credit bureau 's did not remove this late payment and XXXX has stopped assisting. This is not fair or accurate reporting and has had a negative impact on my credit score. I work for the federal government and this is critical to my employment. This is completely unacceptable and poor practice.

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 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked now.

Company response to consumer: Closed with explanation