BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions Please remove all accounts which are not belong to me or any transactions made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern.

Kindly furnish me, in written form, with the complete array of information contained within my consumer file at Experian, XXXX, and XXXX. effective as of the date upon receipt of this letter. This directive stands unaltered in accordance with the provisions outlined in 15 U.S.C. section 1681g ( a ) ( 1 ), and it remains subject to the purview of 15 U.S.C. section 1681h. I request that the initial five digits of my Social Security Number be discreetly masked in all documents that are returned to me. 

Furthermore, I hereby demand the following : 1. In compliance with the mandate set forth in 15 U.S.C. section 1681g ( a ) ( 2 ), provide a comprehensive list of all sources from which information has been gathered for inclusion in my consumer file at Experian, XXXX and XXXX. 

2. As per the stipulations of 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), furnish the requisite identification details of each individual or entity that has sought a consumer report on me from Experian, XXXX and XXXX. 

XXXX. In alignment with the provisions of 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), supply the name, trade name, mailing address, and telephone number of every person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. In accordance with the dictates of 15 U.S.C. section 1681g ( a ) ( 4 ), present a detailed record inclusive of dates, original payees, and amounts pertaining to any checks within my consumer file at Experian that have been employed to cast an adverse characterization upon my credit profile.

5. Pursuant to the parameters delineated in 15 U.S.C. section 1681g ( a ) ( 5 ), furnish an exhaustive record encompassing all inquiries received by Experian, XXXX and XXXX. in the preceding year ( 12 months ) leading up to the receipt of this request. Such inquiries should be linked to my identity in relation to credit or insurance transactions that I did not instigate. 

This request explicitly seeks a comprehensive disclosure of my entire file, encompassing both obsolete and archived information, in accordance with the allowances granted by the Fair Credit Reporting Act. It is essential to note that this represents my initial full file disclosure request for the current calendar year directed toward Experian, XXXX, and XXXX. 

I extend my gratitude in advance for your prompt and meticulous attention to this matter. 

Sincerely,

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 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Reference : XXXX XXXX On multiple occasions, I reported to Sun Trust XXXX now Truist ) that there were some inaccuracies with the above detailed loan that must be corrected at once. 

Firstly, the originating loan amount was {$23000.00} at an interest rate of 4.75 % for 72 months, that entails monthly payments of {$370.00}, please correct an apply the right amount which is not the current {$370.00}. I do not have to pay XXXX cents more monthly because the correct amount is {$370.00}. 

Secondly, due to the pandemic the bank offered us forbearance of 6 months. During those XXXX months from XXXX until XX/XX/XXXX, the total interest was {$530.00}. When I resumed my payments in XXXX, Sun Trust held XXXX full months, XXXX and XXXX as interests only which is also incorrect. If you check the statement received from Sun Trust {$750.00} were applied as interests paid, nothing was applied to principal, when it should have been applied {$530.00} which is the correct interests for 6 months. With the profitable assistance for the bank, I want to know the exact amount of how much I would end paying in interests if I keep the loan for the entire 72 months. 

Since XX/XX/XXXX as of today, I have made XXXX payments and the remaining principal should be {$17000.00} not {$18000.00}. 

For all the above, there is a discrepancy of {$740.00} that MUST BE CORRECTED AT ONCE and proceed to apply the correct monthly payments for {$370.00}. XXXX. 

The attached letter was sent before proceeding with the XXXX payment, and the response received from Truist was utterly unprofessional and pathetic, and never responded these XXXX specific issues just stated the interest paid in XXXX for {$1100.00} and that information is also incorrect, I paid {$1200.00} in XXXX. 

Sincerely yours, 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 2023-12-02
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate personal information also information that I have contacted all three credit agencies about debts that are not mine my identity was information was compromised, my bank account information was compromised and stolen we lost XXXX bank never alerted us about the big charges but call us on a XXXX charge to see if it was us but never minded the large charges

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-03-29
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I submitted a complaint # XXXX to CFPB. The company, Consumer Adjustment Company , Inc. ( CACi ), responded to the complaint on XX/XX/XXXX. The former complaint was in regards to CACi, a debt collector, who allegedly was authorized to collect an alleged debt. CACi reported this alleged debt to consumer reporting agencies which caused a decrease in my credit score. I immediately disputed the CACi reporting via CFPB and the consumer reporting agencies and the report was immediately removed from my consumer credit report. Although the negative information was removed following my dispute, my credit score did not return to its original value before the CACi reporting. Therefore, I sought remedy from CACi for violations which were made against my consumer rights according to 15 U.S. Code Chapter 41. Along with the request for remedy, I submitted a certified mailed letter with signature request to CACi, informing them of the several consumer law violations which were made by them and an invoice was attached as well. I demanded a remedy and/or rebuttal of my request be presented to me within the next 10 business days from receiving my letter. A CACi, representative signed the receipt of this letter on XX/XX/XXXX. As of today, no response nor payment has been received from CACi. I have attached to this complaint, a copy of the affidavit and invoice which was mailed to CACi. Per the attachment, please note that CACi was dishonest with the information which was given in response to my previous claim against them. CACi reviewed my consumer report almost a month in advance before reporting new alleged debt information which consisted of incorrect information. CACi was careless in its operation of collecting alleged debt and in doing so, caused harm to the integrity of my financial dependence. CACi caused a negative impact on my livelihood and must take responsibility and acceptance to their negligence in reporting of consumer credit misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was in Forbearance per the CARES ACT from July 2020-Feb 2021 ( 8 months ) Prior to being on forbearance I've never missed a payment in 11 years. I agreed to a loan modification to pay back the missed payment over the course of the loan and I was told I must complete a 3 month trial payment period of higher payments and after thats completed sucessfully I would get loan modification documents to sign. I got the paperwork on XX/XX/XXXX, XXXX.I contacted the Loss Mitigation supervisor, XXXX XXXX at XXXX and I told him the documents payment amount was wrong, because I'm permanently exempt from property taxes in Texas. I also told him I don't have a problem with the hazard insurance amount even thought I hadn't had an escrow account since XXXX since I pay home insurance monthly. He said they'd get new documents to me. All I got was a letter stating that I missed 10 payment past due and to call them for assistance.They had sent me a Mortgage Assistance Application requiring a lot of info. Also after completing the 3month trial payment period from XXXX - XX/XX/XXXX they sent me a letter concerning my escrow overage which was owed to me in XXXX and they said since I'm past due on payments I won't get it and they are keeping it that was on XX/XX/XXXX. I called back on XX/XX/XXXX since no new modification documents came in and I spoke to a rep named XXXX, she assured me it would be taken care of and that nothing was done about it when I called on XX/XX/XXXX. She said new documents would arrive in a week. It's been over a week and I sent an email directly to the Loss Mitigation dept and no one has responded to me and today is XX/XX/XXXX. I got an email stating I have 6 days to sign my old incorrect loan modification agreement on XXXX XXXX.I called XX/XX/XXXX and spoke with the insurance supervisor named XXXX and I we confirmed the XXXX payment with the home insurance included. But she said it still had property taxes on it and when she transferred me to Loss Mitigation no one answered. These people are trying to take my home and I need help. LAKEVIEW LOAN SERVICING LLC, subservicing by 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 2019-06-12
Company: HOVG, LLC
State: MD
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:
Last date that is relevant XX/XX/2019 It is ongoing Dispute with XXXX ( Creditor ) No valid verification method. Inadequately Reporting. 
I have sent disputes approx. 3 to 4 times with proper information and explanation. 
no credit debt should be on my XXXX account the balance should be XXXX. It has once again affected my credit rating. 
I constantly monitor my report with all 3 reporting agencies daily. 
requesting to remove with prejudice. 
XXXX should remove promptly from my report. 
1ST XXXX XXXX  XXXX has been PAID IN FULL ( Showing on my report ) 2ND XXXX XXXX -should be deleted not my charge XXXX 3rd bay area credit should be deleted not verified XXXX Total of XXXX They have received information on this prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: CITIBANK, N.A.
State: AZ
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:
CBNA did hard inquires on my credit report which I did not make must be fraudulent will not do anything about 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 2023-10-16
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is reporting an account inaccurately. I was removed as an authorized user 45 days ago, but since they have not update the status since XXXX XXXX they are reporting false information. I spoke with the bank that the card was with and they encouraged me to speak with directly with Equifax. So, I put in a dispute XXXX weeks ago and this morning I called to get an update ; since this was not an error on the bank 's part, but an error on the part of Equifax, the reporting bureau. However, the agent that answered mistakenly removed, not the incorrect information, as I asked, no doubt due to the language barrier. I asked to speak to a manager to let them know that I was not asking to remove the dispute, I was asking that the account in dispute be removed since it is still showing as my responsibility ; although XXXX and XXXX properly update the account. To resolve the issue they stated that they can only start the XXXX window over again regardless of the representative misunderstanding. I then asked to speak to a US based representative, and he refused stating he was the last escalation and if I want a US rep I would have to keep calling back until I get one. He did however confirm that the account had not been updated on the credit report since XX/XX/2023, but there was nothing he could do about it. 

This is hurting my financial future and significantly impacting my credit score, as my wife and I are trying to apply for a mortgage and this is the only inaccuracy across all of my accounts with the 3 bureaus and should be an easy fix, by updating the account and not making me start the 30 days over because their overseas outsource help misunderstood what I was asking and then refused to get me to a US manager to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX  account 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens One is incorrectly posting EXTRA payments, earmarked for principal only, to interest, future payments ( not yet due ). 

We think Citizens One is doing this to thousands of others, thereby increasing their profits illegally and fraudulently ... or at least negligently. We think it is intentional as our detailed letter will demonstrate. 

We would like to send you a copy of the letter we sent to our Senators, XXXX XXXX and XXXX XXXX to help you understand. Where can we send it? We would prefer to scan and email it to you if at all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: OH
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:
I have inquiries on my credit report that Im unaware of.Ive been harassed by a collection agency and have been told to pay a debt that I have no knowledge of.I would like the following inquiries removed from my credit reports. 

XXXX. XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Ability Recovery Services, LLC
State: TX
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have encountered with a collection agency Ablility Recovery. Despite sending them a debt validation letter requesting proof of the debt on XXXX they are attempting to collect from me, I have not received any response from them even though it has been more than 30 days since I sent the letter. I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires collection agencies to respond to debt validation requests within 30 days of receiving them. I am concerned that this collection agency is attempting to collect a debt from me without providing me with the proper documentation to prove that the debt is legitimate. Furthermore, I am requesting that the collection agency delete this debt from their records as they have failed to comply with the FDCPA. I believe that this is a fair request given the circumstances, and I ask that you investigate this matter and ensure that the collection agency in question is held accountable for their failure to comply with the law.

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 2021-09-02
Company: Trident Asset Management, L.L.C.
State: TX
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRIDENT ASSET MANAGEMENT would verify the debt. So I took it upon myself to ask TRIDENT ASSET MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation