BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: PA
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:
besides stating actual law and regulations the problems and incorrect information is still appearing on my credit reports, feels like and also appears that my complaint was essentially been ignored, inaccurate on my credit report is very harmful to me personally and financially.the credit bureaus just report anything that they choose to report despite and without regard. i have pointed out how my right to privacy has been violated, my accounts do not state that the accounts and information is being disputed ... 15 u.s.c 1681 ( a ) 2 ( a ) the information excluded from consumer reports Sub Section B paragraph 3 the term consumer report does not include, 1. a report containing information solely as to transactions or experiences the consumer 'myself ' and the person 'company ' making the report, 15 u.s.c 1681. no credit reporting agency shall furnish any information in a consumer report if they have knowledge or reasonable suspicion that the information is incomplete or is inaccurate, the account XXXX states that the status of that account was discharged in XXXX XXXXXXXX date account opened according to credit report is XX/XX/XXXX status updated is XX/XX/XXXX??? seriously, whats even more disturbing is the collections account from XXXX XXXX XXXX is from XXXX it states date opened XX/XX/XXXX and balance updated XX/XX/XXXX, XXXX both these accounts are XXXX  in the same so why is portfolio recovery illegally parked on the credit report. and why are the credit bureaus allowing that? all names besides the XXXX i have provided and addresses older then 7 years old, also the name XXXX XXXX XXXX is in my personal information PLEASE REMOVE!!!!!!!! i will if these matters are not addressed will be hiring counsel PLEASE DO NOT FURNISH OR PROVIDE ANY INFORMATION THAT IS INACCURATE,!!!! if you guys would conduct an actual investigation you will see the errors.. thank you.. hopefully this will be the end of this fiasco..

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX has erroneous/ false payment records they claim i was a customer of XXXX XXXX XXXX fromXX/XX/XXXX 
however the record only reflects 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 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 2021-03-16
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: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-16
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2022-04-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, 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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went through the help of a debt consolidation company, XXXX XXXX to help with the overwhelming debt I incurred over the years. The payments went smooth and everything was paid on time. My XXXX mega group account was from original balance of {$2700.00} to the settlement amount of {$1000.00}, and was paid off and resolved in XXXX of XXXX. That account was taken out in XXXX of XXXX. Starting in XXXX I started getting letters in the mail that the account was charged off and sent to a collections agency. I've disputed the information and requested a payoff letter from XXXX to which they have never provided. I disputed it with LVNV Funding and Resurgent where the collection letters came from. They said that my information wasn't enough to prove that it was paid off when I have the literal receipts of payment. This is putting my livelihood at jeopardy because I'm not able to do things that a credit check is needed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: HUNTINGTON NATIONAL BANK, THE
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
we received a letter from Huntington National Bank dated XX/XX/XXXX stating our boat installment loan had been paid in full on XX/XX/XXXX. To this day, XX/XX/XXXX, Huntington bank has yet to release the title to the Department of Motor Vehicles ( DMV ). My husband attempts to contact the bank on a daily basis to check on the progress however the customer service is horrendous and often the 'hold ' times exceed what he is allowed during his work hours. He has tried numerous times to allow myself to speak with a representative, which they have declined. He has been given inconsistent information as to when and even if the title has been released. As of this past Friday, a representative failed to 'verify ' my husband and would not even give him information and ended the call. He has but put on hold after requesting not to be put on hold, he has been transferred and hung up on going on months now. The buyers of the boat are considering legal action against us as they yet to have the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have mortgage through Mr : Cooper since XXXX on my primary residence property XXXX hermosa way, XXXX fl XXXX. 
I have been making my payments on time since I bought the home. On XXXX due to Covid I lost my job for few a months, therefore I was placed under Covid forbearance program which I was accepted for more then 6 months. I went back to work, and was ready to start re paying my mortgage. I was told to apply for loan modification program which I did in beginning XXXX. However it took them a few months to send me proper paper work. I received the paper work via email and went to local FedEx to notorized the paper work as well as send them via certified mail. I waited from XX/XX/XXXX till XX/XX/XXXX thinking they will get back to me with an answers which I never received. 
I wad told they never received my paper work and my loan modification fail through due to not receiving paper work on time. I don't understand how come they never received my " certified paper work ''. And that I have to re apply again. I re applied again for loan modification in XXXX XXXX, hoping it will get resolved so I can pay my mortgage. I submitted all necessary paper work, was told everything will be completed soon by end of XX/XX/XXXX. 
All of sudden my application again disappears, and I do not see anything online for status update. I spoke with the agent and told me that my application was switched to " easier program '' through FHA loan that is why I can't see anything online. Since it was switched to different program under modification they have to redo whole thing again per conversation. 
Finally on XX/XX/XXXX, they accepted my application and was told it will get done within 60 days. It's pass 60 days and still have no answers. 
Due to delay on this program, my mortgage been stacking every month and unable to pay partial or even something because they demand I pay past balance due of XXXX or esle they will be foreclose my home. I received letter from foreclose from Mr copper for not making monthly payments which I couldn't pay because my loan was under modification status for so long and they keep messing up. 
Foreclosure is on hold they said because my application is still under modification underwriting. I get phone call from them telling me if I don't pay my balance it will be foreclosed. Then some other people tells me forecloser on hold. I'm very confused with what they are doing with this process. 

My loan modification underwriting been taking all these time and I'm left unanswered. I live with my 3 children, I'm a single mother and I'm a nurse. I'm fully capable of paying my monthly mortgage payments.

I need Mr Copper to give me honest and full disclosure and stop running me around and I do not want to loose my home. 

Please help with this process and why they are taking this long to simple modification of my FHA loan. 

I appreciate your help Sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I AM REQUESTING THE OMBUDSMAN DEPARTMENT TO AUDIT MY ACCOUNT. STILL, I WAS TOLD BY LOSS LITIGATION AFTER 12 MONTHS BEFORE THEY FINALLY APPROVED MY TRIAL MODIFICATION THAT MY MORTGAGE WOULD GO FROM {$1300.00} TO {$1800.00} X 30 YEARS NOT {$2600.00} TRIAL DUES WHICH DOES NOT INCLUDE XXXX XXXX XXXX DUES OR SPECIAL ASSESSMENT FEES THAT MAY ARISE IN THE FUTURE. THE {$2600.00} TRIAL DUES IS PUTTING ME AND MY FAMILY IN HARMS WAY. 
I AM A XXXX XXXX VETERAN THAT RECENTLY RECOVERED FROM COVID 19 NATIONAL DISASTER. PLEASE, PROVIDE ME WITH A REASONABLE MORTGAGE DUES SINCE I HAVE AN EXCELLENT FIDUCIARY RELATIONSHIP WITH MR COOPER. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened the Chase/XXXX XXXX Rewards credit card. At the time I was verbally told that the offer was XXXX rapid reward points and a companion pass after spending $ XXXX in the first three months. I followed a link provided to open the credit card. Now they are saying that the offer was over at the time and they have given me a much less valuable sign-up promotion that doesn't include the companion pass. The companion pass was the entire reason we signed-up and the reason the card was promoted to me. They have informed me that the offer was from Jan 10-Feb 11 and that my cc shows approval on the XXXX XXXX. The supervisor I spoke to said that they specifically don't send out offer details to confirm your offer when you sign up ( thus denying me evidence ) but also that they can't fix it without this evidence. I feel that their offer and subsequent actions are fraudulent and constitute deceptive practices. When I spoke to XXXX, they acknowledged that it doesn't seem right but stated that Chase is the one who has to authorize the deals so the error was definitely on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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: Investigation took more than 30 days

Complaint:
CHRAGED ME {$14000.00} FOR GOODS AND SERVIES WE NEVER RECEIVED. THEY HAVE BEEN GIVEN DOCUMENTS FROM MULTIPLE ENTITIES, HERES ANOTHER FROM A LAWYER ACROSSED THE COUNTRY STAEING THEY HAVE BASICALLY WORKED WITH XXXXXXXX XXXX WARRANTY COMPANY TO CONTINUNE TO DEFRAUD XXXX AND CONTINUE TO CASUE EMENSE FINANCIAL DITRESS TO MY FAMILY. NOT TO MENTION XXXX XXXX XXXX XXXX XXXX  IS SUPPOSED TO BE IN XXXX XXXX AND GET THERE BECUASE HER TRUCK IS STILL IN THE SHOP AFTER 18 MONTHS. 

- THE CONTINUE TO INTIENTIANLLY STEAL FROM USE - THEY HAVE NOT ADDRESSED THIS ISSUE WITH ME ONCE IN 2 YEARS AND I CO SIGNED FOR THIS LOAN AND THEY NEVER GAVE MY WIFE WHAT I SIGNED FOR. 

credit acceptance has been supplied with hundreds of documents and they STILL commit fraud taking our money, charging us, and post late payments for the fraudulent sale!!!! DENIED AGAIN FOR AN AUTO LOAN YESTERDAY!!!!!!!!!!!!!! Why? Late payments posted by 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 2023-04-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$500.00}.

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 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a Capital One credit card and had problems with XXXX  processing a payment for them. However I went through another one of my bank accounts to issue a payment to them. Their company sat on the phone for 45 minutes falsely having XXXX three way in and under false pretenses coercing me into giving permission to access my account. Never once did the Capital One employees state they were closing my account out and even sent me emails stating they could help me get back on track due to the messed up payments which was a complete lie. They do not value customers nor do they work with them. They make false statements through their employees, email communications, and letters. This company is a complete lie and I would regret anyone having to deal with these issues themselves. They closed my account out after making several payments and refused to return my money/make it credit available lying stating it would be available by XX/XX/XXXX and then closing my account the next day. This should be highly illegal for anyone to make transactions with them or have an account with a company that gives out falsified information that therefore misleads customers and coerced them into situations that they would not have agreed to had their customers like myself known the truth. Never working with them again and have since received multiple emails trying to coerce me into another card with them after they just shut my card down. Seems like a scam to try to get a bunch of individuals to pursue using their services knowing they would close their accounts for literally no reason. Bait and switch tactics are implemented by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief