BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi! 

My account was closed without warning and I have since been unable to redeem the XXXX points that are still listed on the account. 

These points are worth {$740.00} in cash that I should be able to redeem with a direct deposit when the account was facing closure and I was not given the option. Now I can log in and see them but not redeem them. 

I have tried to reach out over the years and have been stonewalled.

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 2022-03-10
Company: Trident Asset Management, L.L.C.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Trident Asset Management at XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of {$780.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NV
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:
No open account associated with these inquiries and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 I HAVE CONTACTED YOU NUMEROUS TIMES, YOU MAKE IT DIFFICULT BY PHONE, ONLINE I AM UNABLE TO ACCESS MY ACCOUNTS REMOVE AND SUPRESS THESE INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS, THEY ARE NOT MINE I HAVE NO KNOWLEDGE, OF THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX placed a collection account on my credit report that does not belong to me and was not verified. I have never entered into a contract with XXXX XXXX or any affiliated parties. XXXX XXXX number is XXXX. I requested validation of this debt by requesting the original contract and XXXX XXXX sent me a document that was a proposed treatment plan from a 3rd party that clearly states " This is not a contract to buy ''. I have made XXXX XXXX aware that they did not provide the requested information and demand this collection account be removed at once. The proposed treatment plan is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: TX
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:
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 U.S.C 1681. 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. 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. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. & 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Moreover, I also request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and can verify my complete file information including my full legal name, current address, date of birth and full social security The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I would like to report that there are falsely placed information in my account. I already sent messages to the bureaus months ago but they did not do anything to remove and correct the false information in my credit. I attached the letter with the accounts written to this report i am making.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies REMOVE LATE PAYMENT UPDATE AS PAID AS AGREED 15 U.S. Code 1681a - Definitions ; rules of construction

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 2023-07-13
Company: LFG Data Services Holdings, LP
State: MD
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 Sir/Madam, I hope this letter finds you in good health. I am writing to bring an urgent matter to your attention regarding my consumer report. XXXX and LCI Bankruptcy Solutions , both third-party vendors, have reported a bankruptcy on my consumer report without providing any validation of the bankruptcy in question. 

Having noticed this bankruptcy claim on my report, I took immediate action and contacted the bankruptcy court for confirmation. The court clarified that they do not provide any bankruptcy information to third-party vendors. Therefore, it appears that XXXX and LCI Bankruptcy Solutions have not only inaccurately reported a bankruptcy on my consumer report but have also failed to verify this information from a reliable source prior to reporting. 

Furthermore, it is my understanding that the Fair Credit Reporting Act ( FCRA ) requires that all information reported about a consumer must be accurate, and I have the right to dispute any inaccurate information. Therefore, I formally request that the CFPB investigate this matter and ensure the removal of this inaccurate bankruptcy claim from my consumer report. 

Moreover, I have not granted permission to XXXX or LCI Bankruptcy Solutions to share or release my personal information. Their actions are a clear violation of my rights under the FCRA, which guarantees my right to privacy and control over my personal and financial data. 

I kindly request your immediate attention to this matter. I believe that the CFPB, with its mandate to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law, is best positioned to help me resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: 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 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
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 recently disputed two accounts and requested verification of inaccurate accounts reporting on my credit report that your bureau maintains XX/XX/23 dispute was filled. I received a response stating that the accounts was verified and updated. 
I am formally requesting a description of the procedures your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). 
To be clear, per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
I am requesting you provide me ALL information used for my investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete these negative items from my credit report. 
Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXXXXXX XXXX  account is making a negative impact on my credit report the account been paid off

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 2023-06-22
Company: Experian Information Solutions 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:
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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-11-30
Company: Lima One Capital, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
On XX/XX/2023, I contacted the mortgage company to arrange payment arrangements for my mortgage payment that was due on XX/XX/2023. I was told by the lender, Lima One, that I could not make the payment because the loan was sent to a lawyer on XX/XX/2023 ( 3 days before my request ). I was told by Lima One that I had to contact the lawyer for a reinstatement quote. My mortgage payment was due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$660.00} per month. I immediately contacted the lawyer hired by Lima One to request a reinstatement quote for which they told me would take up to 7 days to send to me because they had to get the amounts from the lender. The lawyer provided me a reinstatement quote on XX/XX/2023 of {$10000.00} to save my property. 

I sent emails questioning how they arrived at an amount of over 5 times the amount I was expecting to pay. The lawyer just gave a broad explanation of fees but no explanation on how they arrived at the numbers. Lima One refused to talk to me to explain anything. 

I requested another reinstatement quote on XX/XX/2023 as I was preparing to just pay the money because I did not want to lose the property. I requested the quote on that day because as I was previously told, it takes time to get the quote from the lender and the quote is only good for one week. The lawyer sent another reinstatement quote on the very next day, XX/XX/2023 and the quote for {$12000.00}, was only good for one week but my funds was not getting deposited until XX/XX/2023. Again, I questioned the fees and how they were being calculated. The lawyer did not explain how the interest or the fees are being calculated. 

On XX/XX/2023, I requested another quote so I could pay since the funds were secured in my account. I called the lawyer every other day trying to get a quote so I could pay and to avoid any further action. The lawyer informed me that they were still preparing the quote but in the process, they filed court documents to sell the house. The lawyer did not send the quote until XX/XX/2023 in the amount of {$17000.00}. 

When I spoke with a lawyer, they said the fees seemed very excessive. I am so confused, if the goal is to help save the house, it seems as if the lender and the lawyer is doing everything to make it impossible for me to pay. The amount of the delinquency just for the mortgage payment is only {$4700.00}. Can you please help??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Rep stated deferment was denied due to documents not being received in timely manner. Document received from Kia finance via email from their XXXX XXXX on XX/XX/2023, I signed the document within the XXXX XXXX on XXXX XXXX at XXXX... received a confirmation email showing I had signed the document along with a final copy of the agreement for my records. Kia statement and reason for denial is false and has negatively impacted my and the cosigner 's credit reports leading to denial of loans and extensions of credit. Documents were received, signed and returned within Kia 's XXXX XXXX. I never received a letter or email stating I hadn't returned the document or that the deferment was denied for any reason. The receipt I have states it was returned and accepted and I was given a copy of the final signed document showing it was completed. I did not receive any additional phone calls from Kia after XX/XX/XXXX until XX/XX/XXXX, of which were not answered until the XXXX due to my being at XXXX with co-signer who is in XXXX due to an auto accident that occurred at the end of XXXX, beginning of XXXX and was part of reason for deferment request. My being XXXX for XXXX at end of XXXX was other reason for deferment request. Kia rep stated they did not receive signed document and stated I had to make a payment because I was now in default, and without a payment I could not request a new deferment. I explained I had an email confirmation of deferment agreement on XX/XX/2023 but was told it did not matter because it was denied. When I asked to speak with the department who denied it I was told no one could speak with that department, not even they, the customer service rep, could speak with them directly. But my concerns would be sent to them after I made a payment. After payment I was directed to call back to request a new deferment and notes about my issue with orig deferment denial would be on account. No one could address the issue of the denial or issue with my credit being negatively affected. I can not forward emails or documents within email linked to Kia 's XXXX system, but I have attached screenshots of header information. Their XXXX XXXX is 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 2023-05-04
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Re : Validation and Proof of Claim As I have no account with you, nor am I your customer, nor have I entered in a contract with you, nor does this debt exist I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : MIDLAND FUNDING LLC {$1400.00} Dollars 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed.

This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status.

I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they can understand a 1099c loss of income was filed with IRS, so this debt doesnt exist, nor does it report on my Credit.

I further insist that if you remove the garnishment, before I expose to the judge the fraudulent actions against consumers the Company participates in.

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 response to consumer: Closed with explanation