BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX and Carrington Mortgage Services LLC have illegally taken possession of my home and are currently trying to sell it. XX/XX/2022, they were aided by XXXX XXXX XXXX operating under the color of law, in ousting us from our home -- without a legally valid court order. By XX/XX/2022, XXXX XXXX had the locks illegally changed. They somehow acquired a void mortgage from XXXX. When XXXX ( XXXX ) created this mortgage, it was found to have violated the federal False Claims Act and State Consumer Protection law by our US Government. This resulted in heavy fines and lawsuits against XXXX and its related entities. I previously complained about XXXX 's role in Complaint ID : XXXX. Although a series of foreclosure related eviction suits were filed in the name of one of XXXX XXXX voided out businesses ( and later, a transfer agent company ), they denied any connection to the harassing suits. The transfer agent pointed to Carrington Mortgage Services LLC ( See the Response attached ). I filed an FHA complaint in federal court XX/XX/2022. A case status is set for XX/XX/2022 at XXXX am. But XXXX XXXX and Carrington are now moving fast to illegally sell my property. Just this XX/XX/2022, they are illegally removing my personal belongings from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got a car loan with credit acceptance almost five years ago car. Car got totaled due to an accident they have been reporting that the account is closed since XX/XX/XXXX of XXXX. Also it says the account is closed and open

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX FAILED TO INFORM THE CONSUMER OF REUQIRED DISCLOSURES PERTAINING TO OBTAINING THEIR PRODUCT AND SERVICES. THE AGENT WHO HANDLED THE FINANCIAL TRANSACTION CONCEALED MATERIAL FACTS THAT CONGRESS FINDS NEEDED TO BE DISCLOSE TO CONSUMERS ON THE BASIS OF DEALING WITH FINANCIAL INSTITUTIONS. XXXX XXXX AGENT DID NOT INFORM THE CONSUMER ON THE RIGHT TO OPT OUT OF HAVING THE CONFIDENTIALITY OF THIS CONSUMER CREDIT TRANSACTION NOT DISLCOSED TO OTHER THIRD PARTY SERVICING AGENTS. XXXX XXXX XXXX FAILED TO PROPERLY INFORM THE CONSUMER OF MANY OTHER DISCLOSURES REQUIRED BY CONGRESS THAT WOULD SHAPE THE CONSUMER EXPERIENCE WITH THEIR CORPORATION. XXXX XXXX XXXX HAS VIOLATED MANY CODE OF FEDERAL REGULATIONS WHEN IT COMES TO CONSUMER CREDIT TRANSACTIONS. XXXX XXXX CROP EXPECTS THE CONSUMER TO PAY ON A DEBT THAT IS IN COLLECTION BUT NEVER PROVIDED PROOF OF THE XXXX THEY FILED WITH THE IRS NOR ANY PROOF OF THEIR BOOKKEEPING ENTRIES SHOWING THE LOSS OF MONEY DO TO THIS TRANSACTION.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my updated credit report in XXXX XXXX I see that the same account was erroneous. The 3 credit Bureaus are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as an unverified account without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}

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 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
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, 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.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX didnt verify bankruptcy case Id # XXXX correctly. They verified it thru a third party vendor and not the bankruptcy court. As I advised they are reporting incorrect information as I am still getting collections from debts that were included and they didnt provide physical proof of this debt and how they verified it.

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 2023-12-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/23 I applied for a Macy 's credit card to take advantage of a store sale. I paid the entire amount of the purchase using another credit card. 

XXXX Citi Bank purchased the account. 

On XX/XX/23 I received a letter from Citi Bank claiming that my account was past due. 

I called my local Macy 's and was able to determine that I owed {$64.00} of which {$30.00} was past due. 

These charges were not authorized by me. 

I spoke with the XXXX XXXX and was told, over the phone, that due to the dispute my account now had a XXXX balance. I was not allowed to close 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 2019-01-13
Company: CITIBANK, N.A.
State: DE
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 2 Citi Double Cash credit cards. I can change the due date on one but can not on the other ending in XXXX. After pursuing this for almost a month and being given various misleading answers, I was informed today that no Citi card may change their due date till XX/XX/2019 as they are increasing the Late Fee on account to {$39.00}. So ... if a person has issues with making payments by a given date, due to payroll date issues or even Govt Shutdown issues, Citi would rather the customer and their families incur ADDITIONAL Late Fees instead of allowing them to change their due date and assist the cardmember? I can understand operational issues, but not allowing millions of cardmembers to change their due date for Over SIX months is simply ridiculous and Evil! Also, one of my cards, which is identical to the other one, can in fact change the due date, so the original statement made by Citi was a blatant lie. Citi also indicated that if I wanted to change my card type to another product with a Big Annual Fee, I am actually permitted to ... .so any changes that Benefit Citi are A-Okay, but changes that could help a cardmember manage their finances ... not a good thing for Citi .

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 2022-12-24
Company: EQUIFAX, INC.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the 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 These are the accounts that need to be removed CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX. ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX ACCOUNT # XXXX CREDITOR : XXXX  XXXX XXXX ACCOUNT # XXXX CREDITOR : XXXX  XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # : 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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The following debts were sold to a collection agencies, two specifically yet still report bad debt with original creditor. All debts were paid and settled with collection agencies. 
XXXX XXXX Company-acct no. XXXX XXXX- acct no. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Digital-paid in full XXXXacct no. 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 2022-12-24
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/ XXXX XXXX  I sent a payment in to my BJs Mastercard. At the time it was serviced by XXXX. Now by Capitol one. I sent capitol one all information twice in the mail as the fax number they gave me never answers. They keep telling me my information is not sufficient and I need to contact XXXX. XXXX said they sent all files to Capital One. I sent Capital one a copy of my bill pay app page showing the payment, A copy of a portion of my bank statement showing it was paid as well as A Mastercard RPPS sheet that mastercard and my bank showing me it was paid. Capital One again charged me the {$500.00} dollars and told me I have not submitted enough information. There is no more information to submit. The Mastercard RPPS sheet has every transaction number and routing number, time and destination etc for the transaction that is possible. It is the absolute definitive evidence that can be had, yet they are still trying to steal my {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX  which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is report an account, this information is inaccurate and it needs to be updated and remove. In accordance with the FAIR CREDIT REPORTING ACT THIS XXXX XXXX ACCOUNT REPORTING IS A VIOLATION TO MY RIGHTS. 15 USC 1681 section 602 A states I have the right to privacy. In addition, 15 USC section 604 A section2 : Congress states that the Consumer reporting agency can not furnish an account without my written instructions. This needs to be deleted immediately. When it comes to compliance procedures the CRA 's must prepare a report with MAXIMUM accuracy to me the consumer. Transunion is in violation of my consumer rights. 

SEE ATTACHED.

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 2022-12-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A letter was sent XX/XX/2022 to GM Financial informing them they are furnishing inaccurate an incorrect information to the consumer reporting agencies and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information have damaged my livelihood. 

The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting this account as a debt is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Tried since XXXX to get through on phone. Logged into edfinancial portal last week and sent message to thank for loan forgiveness and request this info : 1 ) when will XXXX balance be reflected on my credit report 2 ) if and when I will receive overpayments refund ( After so many years of paying and bad experiences with student loans I am hesitant to ask questions for fear of punitive actions )

Company response to consumer: Untimely response
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-01
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$8400.0XXXX 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 2022-09-06
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple complaints to the creditors as well as to the cra 's ( XXXX, XXXX, XXXX ) in regards to the improper reporting and violations of 15USC1681 ( a ), 15USC1681 ( a ) sec ( 3 ), 1581USC 1681 ( a ) sec ( 4 ) and 15 USC 1681 ( b ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation