BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: FirstPoint Collection Resources
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I receive this collection on XX/XX/2018, saying that I owed a phone debt in North Carolina ( XXXX XXXX XXXX ) of {$580.00}. Because I am a victim of identity theft, criminals use their own phone and address to receive information, therefore, I haven't received any phone calls or mail saying that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ALLY FINANCIAL INC.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I called Ally on XX/XX/XXXX  at the instruction of the Arizona DMV where the car was purchased and the title resides. I asked Ally Auto to send the lien release electronically per Arizona DMV 's request and they refused not once but twice during the conversation with their customer service dept. I asked to be transferred and was refused. 

I've reached out the Arizona DMV about the refusal to submit my lien release electronically and they were shocked the Ally wouldn't comply

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive been a victim of idenity theft

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 2021-07-11
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I called Credit Systems to inform that I paid the XXXX  account in full and to ask them to remove the collection from my XXXX  credit report. The man I spoke to said okay. I sent confirmation that I paid but to date the collection has not been removed and they are still reporting that I owe which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: InterLinc Mortgage Services, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XX/XX/XXXX. We have a conventional loan through InterLinc Mortgage. Shortly after the purchase of our home ( approximately 2-3 months ) I filed our homestead exemption with our local county. 

Our mortgage from XXXX XXXX XX/XX/XXXX was {$1400.00}. In XX/XX/XXXX we received notice that our mortgage was going to increase to {$1800.00} which was due to a substantial increase in our property taxes. On XX/XX/XXXX I contacted InterLinc Mortgage about the issue. They advised me to send in proof of my homestead exemption as it appears that the increase in the monthly mortgage payment was due to their estimated increase in my property taxes. On XX/XX/XXXX i emailed them proof of my homestead exemption. InterLinc advised me they received the document and would send it to the research department to adjust my mortgage to reflect the correct amount as my homestead exemption was filed timely. 

I continued to call InterLinc Mortgage approximately 15 times speaking with various customer service representatives between XXXX XXXX XX/XX/XXXX. Each assured me that they were working on my account and they had all the information they needed to correct my mortgage amount. On XX/XX/XXXX I spoke with another representative that advised me that they did not have all the information that they needed and that they needed my tax bill for XXXX to correct my mortgage. Obviously this was frustrating since I spoke with several customer service reps and nobody advised me until almost 2 months later that they needed additional information. By this time we have already paid the incorrect increased mortgage of {$1800.00} for 2 months. On XX/XX/XXXX I left work, went down to the court house and obtained my XXXX property tax statement showing my estimated property taxes would be {$2000.00}. InterLinc Mortgage claimed the property taxes I would owe in XXXX was {$3800.00}. I contacted InterLinc Mortgage again last week. She advised that they have the documents and that the analysis department was reviewing them. She then advised me that after the analysis department reviews the document, calculates what my mortgage should be, it would take 2 MONTHS for them to adjust my mortgage and charge me the correct amount. InterLinc Mortgage has had all the necessary documentation to adjust my mortgage to the correct amount and they are either incapable or unwilling to do so in a timely manner. I demand that InterLinc adjust my mortgage to the correct amount which is something closer to what I was originally paying and refund me for the increased mortgage I have been paying for the past few months.

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 2023-05-18
Company: Debt Recovery Solutions, LLC
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX, and any other variations are false. Due to prior efforts in trying to update my name, addresses, explaining the identify theft Ive endured, following the consumer dispute process and doing my due diligence in written instruction to XXXX, XXXX, and TransUnion are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I made these third-party agencies aware of the issues with these accounts below and they still refuse to comply.

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, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXXt : # XXXX, has violated my rights. 
XXXX : # XXXX, has violated my rights. 
XXXX XXXXXXXX : # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX Solutions : # XXXX 15 U.S. Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 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. Code 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 2022-06-14
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/XXXX credit another for XXXX XXXX  someone had a XXXX XXXX  on my experian 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 explanation
Consumer complaint received 2022-02-19
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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. The List Of Accounts Furnished Is In Violation Of Privacy & 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 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 15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to 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 2021-07-11
Company: Lockhart, Morris & Montgomery Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
HAF PROGRAM FROM ILLINOIS SAYS THEY CONTACTED MORTGAGE SERVICER FOR RESPONSE OF PAST DUE AMOUNT. NO RESPONSE I APPLIED FOR THIS PROGRAM XX/XX/2022 IM TRYING TO AVOID LOAN MODIFICATION AND THIS PROGRAM HAVENT HELPED ME YET. IM SCARED OF MY HOUSE GOING INTO FORECLOSURE. MY MORTGAGE SERVICER IS GUARANTEED RATE & NOW GOING TO XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
reviewed my Consumer Reports and noticed that I had 1 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, 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 2022-11-13
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I needed new checking accounts. I was sent a promotion incentive email for Citi Bank to open new checking accounts, maintain a {$300000.00} bonus for 60 days and they give you {$2000.00} incentive for doing so. I opened my account on XX/XX/XXXX and funded it with my savings money from XXXX XXXX XXXX in the amount of {$260000.00}. On XX/XX/XXXX my wife opened her checking account from Citi and I funded it with my savings from XXXX XXXX XXXX with {$59000.00}. I then transferred {$150000.00} from my Citi account over to her Citi account to maintain a higher balance and receive a higher incentive from the Citi checking account promotion and Citi Bank has blocked my account. Since, they have not provided me the reason for blocking nor have refunded my money. They blocked the transaction from completing so, Citi currently has {$340000.00} of my life savings currently blocked. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This savings money is everything we have as a family. XXXX college tuition, down-payment for our next home ( in which we XXXX  soon and need access to our funds to find our next home ). I called and made a complaint to Citi XXXX XXXX XXXX, they provided me with a reference number XXXX. They claimed I would get a letter within XXXX business days but those days have passed and I still have no letter or no confirmation as to when my account is going to be unlocked or more importantly my money refunded back to me. I called the XXXX XXXX back, since it has been about 19 days and since they have closed my case again with no information as to when and where my money is. Also no indication as to why my account was blocked or if its going to be un-blocked?

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 2023-11-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, 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