BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-01
Company: TD BANK US HOLDING COMPANY
State: IL
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 sent a letter certified mail dated XX/XX/XXXX to XXXX XXXX XXXXCredit disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. The letter was received onXX/XX/XXXX. I pulled my credit report from XXXX datedXX/XX/XXXX. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I pulled my XXXX   report again on XX/XX/XXXXand my account was not marked in dispute by XXXX XXXX XXXX. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account onXX/XX/XXXX and all three credit bureaus reported the late payments were valid, and my account was not marked in dispute. I received a letter from XXXX XXXX XXXX   dated XX/XX/XXXX that had a statement fromXX/XX/XXXX. I never requested the statement only validation of the late payments. XXXX XXXX XXXX has violated section 623 ( a ) ( 3 ) of the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting all late payments be removed. Please see attachments for all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX, Experian and XXXX are reporting account incorrectly stating invalid account # stating a balance of {$190.00} reporting incorrect day last reported, date last active and missing data on date of last payment. Stating account as being a Installment when true account type was checking account. There is no possible way that there can be a balance when I never borrowed money from this creditor. 
XXXX is reporting perfect payment history with one charge off on XX/XX/XXXX. This is not possible! Yet, missing data on date last payment. Account has been reporting a balance of {$190.00} since XXXX it is XXXX an account is still reporting a balance of {$190.00} with payments up to XX/XX/XXXX. If account is reporting payments up to XX/XX/XXXX the {$190.00} shouldve been paid off by now. Account is a total mistake delete 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 Dear Transunion, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


1. Account Name : XXXX XXXX Account Number : XXXX* 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX Account XXXX : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : DPT EDXXXX Account Number : XXXX 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 4. Account Name : XXXX XXXX Account Number : XXXX 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 5. Account Name : XXXX XXXX Account Number : XXXX 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 6. Account Name : DPT EDXXXX Account Number : XXXX 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 7. Account Name : DPT EDXXXX Account Number : XXXX 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 XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


1. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX 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 4. Account Name : XXXX XXXX Account Number : XXXX 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 5. Account Name : DPT EDXXXX Account Number : XXXX 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 6. Account Name : DPT EXXXX Account Number : XXXX 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 7. Account Name : State Employees XXXX Account Number : XXXX 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 8. Account Name : XXXX XXXX Account Number : XXXX 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 Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: FORD MOTOR CREDIT CO.
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:
Re : Ford XXXX XXXX XXXX I renewed my XXXX Lease ( traded in XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX in XX/XX/XXXX ). I normally have my lease payment set up on autopay and I was under the assumption that nothing would change with the new lease starting since it was still with Ford and it was a simple swap. It was not until I noticed that a paper bill showed past due that I realized something was wrong. At that time, I immediately scheduled the full payment to catch up the bill to be current on XX/XX/XXXX ( only 34 days late for the XX/XX/XXXX payment ). I then went and made sure that it was again set up for autopay later in XXXX. Prior to this paper notice, I never received any notices or warnings or any sort of information that would let me know that Ford would report a late payment to the credit bureaus, especially for a payment that was 34 days late and was paid in full immediately. 

All I am requesting is that this late payment be removed from my credit report. I have no other late payments or any blemishes on my report and I do not feel that Ford handled this situation with any sort of professional due diligence. Had I received a  phone call or anything of that sort, I would have paid it immediately, but no communication was received until it was too late and I was never informed of the late payment being reported until I was attempting to refinance my home and the mortgage broker let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The credit bureaus stated that my account was properly investigated XXXX XXXX XXXX XXXX Account number XXXX ). I dont understand how that could be true when I have found multiple inconsistencies. The balance updated date is inaccurate, the number of months is incorrect, the last pay date is inaccurate as well as the account type. All of these are inaccuracies and by law is grounds for removal, my rights under 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

The credit bureaus have been negligent and have taken over 30 days to complete my investigation. They have also been closing the investigation without a response.

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 2022-08-08
Company: EQUIFAX, INC.
State: KS
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Name : XXXXXXXX XXXX XXXXXXXX XXXX Employer : XXXXXXXX XXXX XXXX  XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a vehicle from MBFS in 2020. I purchased additional miles over the base of 45k up to 48k. Per the contract I would be refunded the unused miles below the 48k. I traded in the vehicle with a new lease. The leased vehicle traded in was at 17k miles and thus I was owed XXXX XXXXXXXX. Thats XXXX miles purchased at a {$1.00} per mile over 45k miles. MBFS is saying multiple excuses and refusing to refund the amount as stated per contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, we contacted XXXX, Dovenmuehle Mortgage , Inc. because we realized that we were not going to be able to make the monthly mortgage payment of {$2300.00} because my co-borrower has lost his job. At which time they had me complete a Loss Mitigation Assistance Application and that once we were in the Loss Mitigation process they would not be reporting us a delinquent. The application was completed and on XX/XX/XXXX they put us into an FHA Special Forbearance which started, on XX/XX/XXXX, in which they stated the payment would be Zero. However, even though we were told that we did not have to make any payment we continued to scrape together the full monthly payment of {$2300.00} each month at the cost of our other obligations not being met. Then on XX/XX/XXXX, we received a document named FHA HAMP Modification and Partial Claim, which states " The first modified payment, principal, interest, taxes and/or insurance in the amount of {$1600.00} will be due XX/XX/XXXX. Since that date, there have been no late or missed payments. I have continued to call and email them, receiving multiple promises to get our credit reports corrected as they are showing that we are 90 days for the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX as 90 days late. When I call the people I speak to look at the payments received and can see that nothing has been missed since XXXX and XXXX of XXXX. On XX/XX/XXXX we called them again and were told again that the research department would look at it and get back to me. We have not heard back from them and it has been over a week. So we called again today and were left on hold for almost an hour, we asked to speak to a supervisor and the call was transferred to the Escalation Supervisor Team and we were hung up on and did not receive a call back after. We have done everything that they have asked us to do and they continue to not get this matter handed and it has been almost a year that they have been reporting us as 90 days delinquent. This is unfair and wrong. Please help me get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Absolute Resolutions Corp.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I just got served a summons from XXXX XXXX. This loan had a XXXX balance on my credit report. The summons says I owe this collection company, Absolute Resolutions Investment LLC. The summons says I owe XXXX. I was told XXXX was sued and loans with them didn't have to be paid. Please advise me of my rights. XXXX XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX FIN XXXX Balance : {$0.00}

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 2022-07-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased XXXX XXXX Blinds and used an IXXXX XXXX  XXXX XXXX XXXX installer in which I paid XXXX on XX/XX/2022. XXXX XXXX was responsible for measurement/ installation and for the blinds. I charged this amount XXXX to my XXXX XXXX. The measurement / installation and the blinds were all done incorrectly, the blinds have XXXX inch gaps on each side in which the sun can get right thru the window, the valance is bent and the sun can get thru the top of the valance in the living room. The blinds hang down and are not installed properly. I complained to XXXX XXXX and they did nothing to help. The measurement of the Blinds was done incorrectly, XXXX XXXX supplied incorrect blinds, and I complained numerous times to home depot, they did nothing, as If I had no other choice but to accept there terrible blinds that do not cover the windows. Since XXXX XXXX would do nothing to fix the issue, I called my credit card to dispute the charge for XXXX and XXXX not provided, defective product, and the merchant does not perform the services as described and refused to accept my return. Chargback codes- XXXX, goods and service not as described, or defective. I told XXXX that i only signed a contract on XX/XX/2022, i never signed anything that said i accepted the blinds / installation service, that is false. I only signed the initial contract to XXXX measure and install blinds by home XXXX and there install company. XXXX XXXX initially credited my account, then chargebacked my account stating i signed a document in which i accepted the job as is. I never signed anything that stated i accepted the job, that is false. XXXX XXXX did not defend my rights as a cardholder. I also supplied pictures in which XXXX stated that they could be incorrect pictures or airbrushed, that is a false implication from XXXX XXXX mastercard. XXXX XXXX XXXX did not live up to the issue of when a customer does not receive the correct item that they bought, plus installation and measurement are totally wrong and did not defend customer credit card rights.

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