BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
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 am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. 

The late open accounts that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I initially reported these inaccuracies to your agency on [ mention the date of your initial dispute ]. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. 

I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history.

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies.

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. Please consider the significance of this issue and its impact on my financial well-being.

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 2020-08-13
Company: Experian Information Solutions 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:
Im disputing the XXXX  XXXX XXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


XXXX XXXX  XXXX {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00} This information isnt correct, I have stated that there is incorrect information that needs to be corrected or removed. You should list out the inaccurate information in your letter. 

If the incorrect information cant be verified, remove the charge off. 

I will be contacting a lawyer regarding this because you have been reporting false information for more than a year.

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 2023-06-03
Company: Experian Information Solutions Inc.
State: PA
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:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts List As Follow : XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXXXXXX XXXX ( Bank ) XX/XX/2022, 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 2022-04-02
Company: SN SERVICING CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for assistance thru the Ohio XXXX XXXX XXXX This was on XX/XX/XXXX. Per the Ohio XXXX XXXXXXXX the US Treasury sent a file on XX/XX/XXXX to my mortgage company which is the SN Servicing. To date nothing has been done. The Ohio XXXX website still shows " waiting for servicer reply '' I have called several times to S & N customer service, and they don't seem to know what HAF is. The last call I made I was met with hostility from my account XXXX. She stated my file is being worked on and reminded me that I have already called about the matter that same week. I have been told by a XXXX XXXX that someone named XXXX did not receive the file and that " XXXX '' will reach out to her contact at the Ohio XXXXXXXX XXXX XXXXXXXX. I applied for assistance to pay my arrears which now is 3 months. I am trying to proactive but to no avail. I did not choose this company they bought my loan. If I don't get resolve, I am reaching out to my Legislator & states Attorney General 's office. I reached out to the Ohio XXXX  and they advised that they sent the file. See emailXXXX  Hello, Thank you for reaching out. I do apologize that theyre saying that we have not sent anything. I can assure you that we have, and they have assigned them all to go to one person directly so the customer service team or other loan officers will not have any knowledge of what we send unfortunately since the bank has assigned this individual. They do have to approve before any funds can be released. They are not using a 3rd party for XXXX  issues as the person assigned is an employee in the bank itself. 

Thank you, For your protection, please do not respond to this email message with attachments or information that includes personal confidential information. 

XXXX XXXX / XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX Phone XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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:
Im disputing the XXXX XXXX XXXXXXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


XXXX XXXX XXXX  {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XXXX  XXXX Past due amount {$24000.00} Original loan amount {$45000.00} This information isnt correct, I have stated that there is incorrect information that needs to be corrected or removed. You should list out the inaccurate information in your letter. 

If the incorrect information cant be verified, remove the charge off. 

I will be contacting a lawyer regarding this because you have been reporting false information for more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ACCORDING TO THE FCRA THESE UNAUTHORIZED INQUIRIES NEED TO BE REMOVED. KNOWINGLY LYING, MAKING FALSE STATEMENTS OR CONCEALING VITAL, SIGNFICANT AND PERTINENT INFORMATION, DATA AND/OR BOOK ENTRIES CAN, XXXX AND WILL IMPLY THAT YOU ADMIT YOU ARE SECRETLY ENGAGING IN THE PRACTICE OF SCAMMING PEOPLE, EXTORTING PEOPLE, AND DECEIVING THE PEOPLE AND YOU ADMIT THAT THIS IS TRUE AND CORRECT IF YOU DO NOT HONOR THE REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I currently have XXXX American Express Membership Rewards points that are frozen. I called and inquired about my account on XX/XX/XXXX, and was told by a customer service representative that I was under a spend review, which subsequently locked my ability to transfer points to an airline or hotel partner. It seemed to occur after I had initiated a transfer to XXXX XXXX in the order of XXXX or so points. On the phone, the representative assured me that the process would take between 8-10 weeks, which is absolutely ridiculous for a consumer facing company with ample resources. On XX/XX/XXXX, I attempted to perform a rewards point transfer and was again denied. After calling in again to find out what the issue was, I had no resolution until I escalated to a supervisor. However, my issue is still unresolved and my points are unusable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
I went to court for a credit card debt with XXXX XXXX also know know as Asset Acceptance XXXX XXXX XXXX and it was thrown out due to me being a XXXX XXXX  not making much money and this debt is from the XXXX XXXX XXXX. This company is now using another collection agency to come after me regarding this debt. I would like for this debt to be removed my credit and not be XXXX by the nor my family members any longer. This debt is over XXXX XXXX XXXX now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
BBVA Compass called my cell phone XXXX. They called me from XXXX. The man who called me threatened me saying he would " severely damage my credit '' and said I am " legally obligated '' ( used that exact phrase ) and that it would be illegal for me to not pay my debt. This is a deceptive and illegal debt collection practice. 

Keep in mind I am already in forbearance on this account because I have told them I have been affected by a natural disaster Covid-19 and they continued to try to collect the debt even after informing them I am still affected on this very phone call and then they proceeded with their legal threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken loans offered covid forbearance to us. We repaid the payments, became current, and came out of forbearance. 
Quicken loans reported the covid forbearance under the CARES Act to the FHA who then reported it as default to CAIVRS. 
We have been in contact with Quicken loans for 4 business days requesting them to remove the forbearance as we are and have been current for over 30 days. 
They refuse to send any form of documentation or letter to the FHA showing we are no longer in forbearance. 
We are today, XX/XX/2020, closing on the sell of our house and will be homeless for 2 weeks because of quicken refusing to accurately report information to the FHA for our FHA financing on our home purchase. 

I conveyed this to Quicken and they continue to refuse to assist us. 
Quicken does not understand that reporting to the FHA gives the FHA the information to report to CAIVRS and therefore refuse to correct what they've reported. 

We got to Quickens " top of the line '' department and spoke to : XXXX XXXX  Servicing Escalation Specialist Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX was not informational and had no knowledge of CAIVRS  or FHA reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
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:
This account was paid in full and has XXXX balance. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NY
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:
There is an unauthorized/fraudulent inquiry listed on my credit file as of XX/XX/2023. Please block, delete and remove. 

The inquiry is from XXXX  XXXX XXXX. Attached are my letters to the credit reporting agencies along with my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the items as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 

COUNTY OF XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
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: Information belongs to someone else

Complaint:
I checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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 2020-08-13
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Nationwide collection keeps harassing my phone. They call everyday from different numbers. I do not have an account with these people and on my honor I have no debt so I dont know why they are harassing me. Never had an account with them. These are the numbers they have called from : 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 2020-11-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Toyota Motor Credit failed to give me proper validation of this debt.

I mailed Toyota Motor Credit a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF FLORIDA HOMETOWN HEROS PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL THREE CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. XXXX XXXX  IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF FLORIDA OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT XXXX XXXX  IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED XXXX XXXX  TO THE MN AND FL ATTORNEY GENERALS, AS WELL AS THE FICO CORPORATION AND THE CFPB AND THE XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief