BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act The List of accounts below has 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 XXXX XXXX XXXX, have 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: DriveTime
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX   XXXX   is a collection Agency on behalf of Drive Time. This is a vehicle that had been repossessed and it is continuously being re-aged into my credit. This is a 8 year or more debt which the vehicle was returned and resold. The company continue to report as a charge off and derogatory reporting. The statue of limitation has ran out with the negative reporting on my credit reports. I continue to asked the collection agency and creditor to delete from my account. The creditor and the credit agency has yet to remove from my credit. Inaccurate reporting and missing information

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 2023-08-15
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:
I noticed there are late payments listed for a collection account that I did not sign a payment agreement for. This collection agency claiming a history of late payments is a false representation to my relationship with them. Im constantly getting denied for homes, cars, and other things that are needed to take care of me and my son and its becoming a big inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
Moved to  XXXX  for work. In  XXXX  I noticed my RV payment was not taken out of my acct. Called PNC Bank. Said the payment went back in  XXXX . No payment since. So they let me catch up payments,  XXXX  . And back on payments. Been pulling payments out since then. Put on my credit that acct is closed and wrote off. Credit went down   XXXX   pts. Had our mail transferred to daughters house. No letters, emails or phone calls to let us know there was a problem. Just would like my credit fixed as we have never been late in 10 yrs. please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by XXXX XXXX because they sent a dispute update to XXXX but did not notify me by mail. According to fair Credit Reporting laws, XXXX XXXX should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank 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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , 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 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 if 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
Consumer complaint received 2019-08-13
Company: EQUIFAX, 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:
XXXX XXXX XXXX account XXXX on my Equifax report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
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 have a company on my credit report call   XXXX   XXXX   that I 've been trying to dispute for a long time this account is a fraudulent account which was identity theft which was never mines, for some reason they updated some information and it dropped my score  XXXX  points they was already on my credit report as a charge off account so why would you allow them to update it to this month which is not accurate date this account was on there for over 6months I have Federal consumer rights under The FRA.   XXXX   XXXX   added information which was already on there but they are harassing me and making my credit lower and lower and Equifax is dropping my score over   XXXX   points just because of update this is just Prejudice and discrimination there 's no way this is accurate please remove   XXXX   XXXX   off of my credit report immediately I have a case number from the police department   XXXX      XXXX   XXXX   XXXX  . Please remove this from my credit report this information is not correct you are not allowed to go back on somebody 's credit report and keep punishing me with the same account which I 'm not responsible for at all ... when   XXXX   XXXX   first went on my credit bureau account I lost significant of points now they keep adding and updating which makes it worse and not making it accurate because they keep making it as a new account which is not a new account and the dates is not accurate I do n't even know anything about this account.. I am not sure why Equifax dramatically dropped my score because of an update this is very racial profiling and they think we as consumers can do anything about it we ca n't just stand here and let you do this to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: REGIONS FINANCIAL CORPORATION
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Regions Bank will not allow me to close a Regions Preferred LOC account with an annual fee unless I appear in person at a location XXXX miles from where I live. I opened the account while stationed at XXXX XXXX, LA at the XXXX XXXX XXXX, XXXX XXXX, LA location.  I was required to move for work to the XXXX NM area in XX/XX/XXXX. I did not close the accounts then, as my home was not yet sold and the home loan was through Regions Bank. After the home was sold in XX/XX/XXXX, I requested all my accounts to be closed. After some back and forth in the online message center, I received assurances that all accounts would be closed. I stopped receiving statements in XX/XX/XXXX, so presumed this was successful. 

In XX/XX/XXXX, I received a notice in my email saying I had a statement from Regions. Admittedly, I did not review the statement as my understanding was that all accounts were closed. However, this was a statement for an annual fee being assessed. In XX/XX/XXXX, I received a paper letter in the mail stating that a loan payment was not paid. I called Regions asking what loan I had with them. Regions notified me the LOC account was still open and that they have charged a {$50.00} fee, as well as a {$35.00} fee for not paying on time. Regions now claims I owe Regions {$85.00} as well as interest I presume. 

While the fees on an account that I wanted closed and had not received a statement on for over 7 months is egregious in and of itself, Regions insists they will not close the account unless I appear in person. No certified power of attorney is acceptable. No representative can attend in my stead. No modern legal vehicle will be accepted. I must take 2 days off work , drive 845 miles, stay in a hotel, go to the lobby of the bank I opened the account with, close the account, and drive 845 miles back. The only reasonable explanation I can come up with is that Regions Bank counts on clients just paying $ XXXXyr for the rest of their lives in order to avoid the likely {$1000.00} it will cost to travel to the lobby where they opened the 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 monetary relief
Consumer complaint received 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX Acct # : XXXX Dear XXXX XXXX XXXX XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) Late payment dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that timely payments are crucial in maintaining a good credit score and a positive relationship with your company. Unfortunately, due to unforeseen circumstances, I have fallen behind on my payments. My grandmother whom lived in New Jersey passed away during the duration of missing payments listed above in XX/XX/XXXX. Also, when I finally returned to work months later XX/XX/XXXX, I was laid off collectively with my whole department of company. As a result of being laid off I fell behind on my lease having to pay multiple late fees associated with being late. 

I want to assure you that I am taking the necessary steps to improve my financial situation and ensure that I make timely payments going forward. I have setup automatic payments to ensure that I do not miss any future payments, and I am working on a budget to better manage my expenses. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration on this matter. I look forward to hearing back something positive. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: MIDFIRST BANK
State: WY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, We are contacting you, with the hopes that you will assist us in resolving a very unfortunate matter that has happened between us and our lender, Midland Mortgage.
As a result of a medical hardship and defaulting on our mortgage, back in   XXXX   of 2017, we applied for mortgage assistance with Midland on  XX/XX/XXXX . We heard NOTHING from them, until  XX/XX/XXXX  when I received a denial letter.. with no explanation.
When I called Midland, I was told that our home had been sold on  XX/XX/XXXX .
On  XX/XX/XXXX I received a letter stating I still had time to save my house.
I received NO Notification of Sale, I also never received Notice of Publication and when I looked on my own, I only found 2 publications. the requirement is publication, being 4 weeks in Wyoming.
When we spoke to Midland on  XX/XX/XXXX , we told them that the sale of the house must have been done illegally - and they hung up on us. We called back on  XX/XX/XXXX  and when we brought up the improperness of the sale, Midland hung up on us a SECOND TIME.
To complicate matters even more - this sale was conducted in   XXXX   XXXX   County. We live in   XXXX   XXXX  . I 'm not an attorney, but I do believe that makes the sale null and void. They are currently being represented by  XXXX  and   XXXX   and we are getting little to no cooperation from them either - they have hung up on us, when we called on  XX/XX/XXXX  for information.
This complaint is being filed, not only with the Consumer Financial Protection Bureau, but with the Consumer Complaints division of the Wyoming Attorney General 's office.
Please contact us immediately, so that we may resolve this matter and go back to the table in good faith negotiation with Midland Mortgage.
Sincerely,   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 2017-07-17
Company: EQUIFAX, INC.
State: AL
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:
THIS IS MY 3RD DISPUTE TO EQUIFAX AND   XXXX   IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from First Source, original creditor is  XXXX . I have disputed this account multiple times as I have no knowledge account and have requested   XXXX   provide validation of debt. Instead   XXXX    keeps selling the debt to different agencies and as soon as I ask for proof they sell it to another agency starting the dispute process all over again. The collection notice that First Source sent to me violates FCRA. This is the first notice I have ever received and it does not make a statement in the collection notice that I have the opportunity to dispute debt in writing. Please stop allcollection activity until debt is validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: MONEY SOURCE, INC., THE
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We never receive notice that our Escrow was short and we never receive refund checks. They hold our money all the time. When i make payments and Im short they put them in unapplied funds which is fine but they use the unapplied funds to pay for late fees or corporate advances instead of moving the money into paid. So bc they take the money out for late fees I can never catch up on my payments and im constantly having late fees. I feel like im sending them money all the time but i am never paid up. 

They started a foreclosure in early XXXX when they said we were 120 days late. We were not 120 days late, I send 2 payments in the mail bc they have it blocked so i cant pay on the website. Those two payments were held and not credited so they could start the foreclosure proceedings now those payments have disappeared. Mortgage company says they returned it, bank says they cashed it. We are now in forbearance and have to pay all these lawyers fees which i wouldnt have to pay if they would of put the unapplied payments where they were suppose to go when i paid them. 

XXXX XXXX & XXXX mortgage statements Escrow XXXX then it drops to XXXX i dont see where the money went XXXX XX/XX/2021 when i made a payment and they put it in unapplied funds and i told them to move it over and it wasnt shown as being moved on my XXXX statement as paid. they can move money out of my escrow to pay other things but not to cover what im short. since they didnt send me my escrow refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX is misreporting joint auto loans on both mine and my wife XXXX XXXX 's credit reports. The account defaulted over 7 years ago, were sold to a collection agency, and should have been removed.

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 2017-07-17
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
On  XX/XX/XXXX , I contacted the  XXXX  credit reporting agencies, Equifax,  XXXX , and  XXXX  to ask to remove only the dispute for   XXXX    acct per my lender request. Equifax is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by Equifax. The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once Equifax did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  XXXX failed to precise proof of contract or an application with my signature for service. 
They have my credit and use it from time to time it seems once a year Ive contacted each company thats using they service and they all fail to produce proof of this action and declined use of my ssn more then once in complete violation of fair credit reporting act 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) 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