BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this letter finds you well. I am writing to express my deep concern and frustration with the persistent presence of fraudulent items on my credit report, despite numerous attempts to rectify the situation through your dispute process. 

I have previously submitted multiple dispute requests, along with supporting documentation and evidence, in an effort to have these fraudulent items removed from my credit report. However, despite my continued efforts, the inaccuracies persist, negatively impacting my creditworthiness and financial well-being. 

I understand the importance of accurate credit reporting and have diligently followed the established procedures to address this issue. The ongoing challenges in having these fraudulent items rectified are not only distressing but also a hindrance to my ability to access fair financial opportunities. 

I kindly request the following actions be taken promptly : Conduct a thorough and expedited investigation into the fraudulent items listed on my credit report. 
Provide a detailed explanation for the repeated failures to remove the fraudulent items despite previous disputes. 
Take immediate corrective measures to rectify the inaccuracies and update my credit report accordingly. 
Provide written confirmation of the resolution, including the expected timeframe for completion. 
Given the urgency and the prolonged nature of this issue, I expect this matter to be resolved within the exact timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR CHILD SUPPORT SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR OFF OF CHILDSPRT ENFO 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 non-monetary relief
Consumer complaint received 2024-01-08
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a previous complaint about this same XXXX bill and it was closed with the previous agency due to the complaint. It was not supposed to be sold to another agency. It has since been sold and is now negatively impacting my credit score. This needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: AMERICAN HONDA FINANCE CORP
State: NC
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:
RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICAN HONDA XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose XXXX me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave EQUIFAX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, 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:
As of XX/XX/XXXX, there are inaccurate items reporting on my EQUIFAX credit profile. I am asking that CFPB investigate Equifax for failure to protect my consumer rights. Equifax 's actions are clearly illegal as described in the information listed below. 

How can Equifax state that it has completed its investigation, including contacting the furnisher of the information, where applicable, and not provide me the exact details of their communication and validation information received? 

A summary of the discrepancies listed on my Equifax credit report are listed below : Trade : XXXX XXXX XXXX - balance {$13000.00} EQUIFAX states that this information was verified and belongs to me. EQUIFAX also states it verified the information is reported correctly. How is it possible that EQUIFAX missed the double reporting of debt on my credit profile? There is a collection account on my credit report listed by XXXX XXXX XXXX for {$10000.00} listing the original creditor name as XXXX XXXX XXXX. The XXXX XXXX XXXX account states it was opened on XX/XX/XXXX. The XXXX XXXX XXXX Payment history lists their account as " late '' during the months of XXXX XXXX. The XXXX XXXX XXXX account lists the responsibility as an individual account while XXXX XXXXXXXX XXXX lists the responsibility as a joint account. 
Once again, how is it possible that EQUIFAX reviewed my credit report and investigated my concerns, and completely overlooked this major issue? According to fair reporting practices, if the original creditor sold the debt to a collection agency, it should not continue to report a balance owed. PLEASE DELETE THE ALIVE CREDIT UNION INFORMATION AND PROFESSIONAL DEBT INFORMATION AS THEY BOTH ARE NOT ACCURATELY REPORTED ON MY EQUIFAX CREDIT REPORT. 

NOT AUTHORIZED INQUIRIES : PLEASE DELETE! 
Inquiry : XXXX - XX/XX/XXXX Inquiry : FACTUAL DATA - XX/XX/XXXX Inquiry : XXXX  - XX/XX/XXXX Inquiry : XXXX XXXX - XX/XX/XXXX Inquiry : XXXX XXXX, XXXX - XX/XX/XXXX NON REPORTING DISPUTES Trade : XXXX XXXX  THE DISPUTED ITEM IS CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2024-01-26
Company: WSFS FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See attached forensic mortgage analysis. This is a good example of Mortgage Fraud by a Debt collector pretending to be a mortgage company. This is fixing to end up in Federal Court, Read the Attachment. Color of Law Crimes, Civil Rights Violations RICO, Racketeering. These companies destroyed my family broke apart with the stress, after 25 years. I was put in Default the COVID deferment, they were fined but I never saw a XXXX. The revolution was fought by We The People to gain sovereignty of our land from the XXXX, and our Great Western Experiment, the only one ever in the History of man. Where you did not have to be born into a certain bloodline to not be a XXXX XXXX XXXX Unfortunately that didn't last long, the American Revolution part 2 ( the civil war ) and we lost. The corporation Started in 1871 in the States called the XXXX XXXX  XXXX XXXX XXXX XXXX, by the King of XXXX... The truth is there was a Federal Lien when I purchased the place and looks like the title company is about to be in Federal Court also. there is a Federal Lien on every ones property. We all can sue the title companies. This is a fact. read the attachments. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has no Oath of Office, Ruled against me in these proceedings. case # 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 2024-01-26
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XX/XX/2024. I got an email that my credit report was accessed. When I logged on to access my credit report, I did not recognize the credit requestor ( Barclays Bank ). I immediately contacted them, after about 30 minutes of back and forth they transferred me to their fraud department. XXXX, the gentlemen I spoke to said to give them about 30 days for them to update that inquiry. In XXXX I access my report and the inquiry was still there. I figured with holiday they were busy and didn't want to spend another 30 minutes of my time on the phone with them. So I decided I would just give them more time. It is now almost 90 days after and the inquiry is still reporting.

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 2023-12-04
Company: Experian Information Solutions Inc.
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
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 have formally filed a dispute with Experian and with XXXX. I have sent XXXX screenshots of the disputed balance and asked for a manager respond letting me know what day and time we could speak by phone to review the account with me by phone. The company had someone call when I was not prepared and they did not call back. I simply asked them to call back when I was not driving and in front of my paperwork. I continue to receive blanket statements that are erroneous about an extra payment that I did not have to make, which they split to pay themselves interest and some toward principal. I revoked the payment learning that they would not apply the entire amount to principal, and when I did they added the amount in total back into principal balance. This increases my principal balance owed to be more than it was before I made the additional payment when it should have returned to the original principal amount before the regular and additional payments were made on XX/XX/XXXX XXXX 

Until this company resolves this matter, my account is under DISPUTE AND SHOULD NOT BE BEING REPORTED TO EXPERIAN, XXXX OR XXXX AT ALL. Additionally, I am only past due, one payment and they are showing I'm past due two payments.

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 2024-01-26
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
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:
I write this notice saddened by the inequality and trespass of my consumer rights. The consumer reporting agencies have had more than their allotted time to fix an issue Ive been continually attempting to correct. Ive filed an FTC report as a result of the violation of privacy via the PRIVACY ACT of 1974, because neither the creditors of the alleged debt nor the consumer reporting agencies have provided me anything in writing in which Ive signed stating they had the ability to report my non-public personal information. Ive requested several times and theyve not providing me with anything. Ive also recently sent in my request to block such erroneous and invalid information from my report via 15 USC 1681c-2, and comprehending the consumer reporting agencies had 4 days to block such information from my consumer report, theyve not done so, which means the company is abiding by the laws of congress. I have pain and suffering because of these reporting as it is hindering me from taking care of myself, my kids and family. The defamation of my character has gone on for far too long and Im tired of it! Ive included the documents I sent out in the XXXX of XXXX, thats including the FTC report, and the identity accounts, my identification and my personal statement, the documents were also notarized.

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 2024-01-26
Company: TOWNE MORTGAGE COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
In XX/XX/2023, I had a conversation with XXXX from Town Mortgage regarding a financial hardship I was facing at that time. XXXX assured me that she would pass on the information, but I did not receive any further communication from her or Towne Mortgageuntil yesterday, which was XX/XX/XXXX. It was frustrating to realize that XXXX denied being the person I had spoken to in XXXX, despite my clear recollection of her introducing herself by name. She was rather XXXX and unhelpful during our brief interaction. Instead of guiding me towards any assistance or providing any direction, she simply brushed me off. To my surprise, when I mentioned that I had given consent for a third-party to handle the matter on my behalf, she abruptly informed me that they do not engage with third-party individuals and would only communicate with me directly. XXXX 's behavior, attitude, and lack of professionalism have left me feeling unsupported and disrespected. It seems to me that this company 's intentions are not aligned with assisting homeowners in keeping their homes, but rather with facilitating their loss.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: Financial Business and Consumer Solutions.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I ended my service after a five year commitment in XX/XX/XXXX. When I called XXXX to discontinue the service, I was put through a series of high pressured sales tactics for a good half hour as it was not made easy by several employees of XXXX in their billing department. I kept saying no to what they offered - a lower monthly subscription- but they would not oblige. Finally I was told I had to put in writing for my discontinuation of service to a given email. After all that, it was not good enough as I continued to receive monthly statements and phone calls from a phone calling center every day. I have now been passed to two debt collection services- XXXX XXXX XXXX XXXX XXXX - which did not respond to my letter dated XX/XX/XXXX and now FBCS. I dispute the amount I owe of {$380.00} as I continue to fight XXXX and what did to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NY
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. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-01-26
Company: Waypoint Resource Group, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some collectors posted on my credit report I dont know that acount and I dont owed anything like from no business, it say XXXX XXXX accounts I dont know were that collection for, its fraud

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 2023-12-04
Company: Experian Information Solutions Inc.
State: CA
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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