BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: U.S. Auto Credit Corporation
State: VA
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:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See the attached " pdf '' files. Essentially Nationstar is either intentionally, or through sheer incompetence, preventing us from using their online services. My wife and I are both over XXXX years of age. Nationstar 's discriminatory behavior is prohibited by federal and state statutes.
Nationstar must correct their Information Technology Systems to allow us to use their web-based tools to manage our loan just like all their other mortgage loan customers. My letters and phone calls have gotten no results although Nationstar 's employees have repeatedly told me they would fix the problem. Our loan was transferred to Nationstar effective XXXX-XXXX-17 and at this date, we have been unable to access our loan file using the Internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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 am NOT liable for this debt and do NOT have a contract with XXXX XXXX XXXX XXXX They did NOT provide me with the original application signed by me like I asked. 

Also, my rights are been violating by the credit bureaus according to the law and someone needs to hold accountable the credit bureaus for their malpractice. 

According to 15 USC 1681 Section 602 A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681b ( 1 ) The credit bureaus do NOT have no written permission According to 15 USC 1681s-2 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 explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
After pulling my credit profile over a year ago an inaccurate public record was reporting that I disputed immediately with supporting documents and mailed via certified mail to Transunion. I also disputed the public record with the data furnisher XXXX after Transunion advised me of that in writing. XXXX has since deleted the public record from their profile ( I have a letter from them as proof ) this letter & a letter from the courts they stated " provided the the info '' was mailed also stating they DO NOT report to the credit bureaus was then mailed to Transunion via certified mail yet they continue to refuse to investigate the disputed item & to remove it. After receipt of this a rep from Transunion stated they do not remove items from letters from consumers & that it would need to come directly from the furnisher, ( tracking # to TU XX/XX/21 delivered XX/XX/21 # XXXX ) therefore another letter was sent to XXXX via certified mail XX/XX/21 delivered XX/XX/21 ( tracking # XXXX ) I keep receiving letters that state " they do not have to review the item & to send addt info to support my dispute '' & I send new addt docs & proof that NO other bureau is reporting this public record. Another certified letter was mailed XX/XX/21 per tracking the letter was received by Transunion on XX/XX/21 ( tracking # XXXX I have more ) yet I received the same letter dated XX/XX/21 that I have been receiving for the past year. Basically, in less than 48hrs someone reviewed the NEW docs that was mailed that I have copies of and generated a letter that I received today XX/XX/21? It is clear that they DO NOT review nor verify the items they are reporting on a consumer 's report nor do they review the supporting docs they request you to submit to validate the request. I have tried to contact them via phone and was left on hold for 2hrs & 20 mins ( I have screenshots ). Please help as I feel they are in violation of the FCRA. Thank you for your time.

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 2023-04-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I made a cash and check combined deposit in a Wells Fargo branch. I made a total deposit of {$940.00}, at XXXX XXXX. At XXXX XXXX  the same day, a deposit of {$3300.00} was made into the same account. I did not make this deposit. The same day ( time stamp missing ), a withdrawal of {$400.00} was made from my Savings account. I also did not make this withdrawal. 

On XX/XX/XXXX, I contacted Wells Fargo Fraud Department. I lodged a complaint about both the deposit of {$3300.00} and the withdrawal of {$400.00} as being unauthorized. The representative I spoke with told me this was a common scam. I received a letter that my complaint of {$3300.00} had been corrected, and this was corrected on XX/XX/XXXX. On XX/XX/XXXX, I noticed that the {$400.00} withdrawal had not been corrected. I called the Fraud Department again and was told that investigators found that there was no reason to believe that that was a fraudulent transaction. I requested the case be reopened, and was told that someone from Wells Fargo would contact me within two business days. Today, XX/XX/XXXX, I checked my online account and had no claims activated, nor has anyone from Wells Fargo reached out to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: IL
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 ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: MS
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company : FREEDOM MORTGAGE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Who purchased my mortgage recently Erroneously paid : XXXX County Tax Office XXXX XXXX XXXX XXXX XXXX, TX XXXX On XX/XX/2021 - {$9200.00} from my escrow account. This caused my escrow to go into the negative, raising my monthly mortgage payment that was set in a agreed contract with the original financer. This caused me to lose A LOT of money in savings as I was unprepared for an event like this to happen within the first year of my mortgage. Freedom Mortgage has refused to take responsibility for this and instead has offered to refinance my mortgage with them, which I believe it unethical. Freedom mortgage has refused to contact the XXXX  Tax office in order to get the money back for going on 2 months now, leaving me with an inflated mortgage payment. 

Not only did they XXXX me over, but they did it knowing that the loan was XXXX proptery tax exempt, the reason behind there payment to XXXX  in the first place.

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 2023-03-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Sometime between XXXX and XXXX my FICO score dropped XXXX points because I don't have a mortgage. This has happened once before and the next month my FICO score went up previous levels. I haven't had a mortgage ever so there's no reason that this should be changing every month.

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 2020-12-29
Company: ID Analytics, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. 
I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that XXXX received my request on XXXXXXXX XXXX XXXX, and Sagestream received my request on XXXX. I have not received my credit reports from XXXX or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I Purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX ; Successfully financed the vehicle w/ Capital One ; whom I also have a credit card with. 
Successfully enrolled the new Account in AutoPay w/ my credit union : XXXX XXXX XXXX As well as w/ Capital One Auto Finance XXXX 
Payments were scheduled for the XXXX of each month & ran On-time & w/o issue for ( 4 ) months from XXXX Until, XX/XX/XXXX the AutoPay was halted. 
I checked w/ my Credit Union about the situation ; I have the Capital One Credit Card & the Capital One Vehicle enrolled in the AutoPay program w/ XXXX XXXX XXXXXXXX XXXX 
The AutoPay for the credit card was not halted or affected ; just the vehicle. 
They chalked it up as a mistake/glitch in the system. XXXXWe made payment & Re-Established the AutoPay for XXXX to Capital One for the vehicle. 
XXXX verified that Capital One canceled the payments from the receiving end. 
I did not request nor submit a cancellation. 
XXXX, Capital One canceled the AutoPay for the vehicle again.! But, The AutoPay for the Credit Card remained untouched & I un-disturbed. 
I verified w/ XXXX again about the cancellation of the AutoPay & its set up ; they verified that it was an external action.

Re-Established Automatic Payments for the Third time to the same financial institution. 
No Lack of Funds.

No Change of Personal Information.

No Change of Account Information. 
Capital One Issued a Repossession & sent a tow truck whose driver stated that Ur the the 5th person today who says they had their vehicle setup for AutoPay & Im Repon it. 
When I attempted to contact & resolve w/ Capital One, they told me that they could not speak w/ me due to having a cease & desist letter ; then hung up the phone. 
I contacted the Indiana Attorney General about the situation ; within 30 days I received a package from Capital One Admitting to & Listing Everything except the details of the AutoPay setup, receipt or the cancellation of Recorded Automatic Payments to the Vehicle Account. While there remains No Issue with the Automatic Payments from the Exact Same Financial Institution ( XXXX ) to the Same Financial Institution ( Capital One ) for the credit card.?! 
Capital One Stole & Sold My Truck.!! 
Causing Detriment to my Business ( XXXX XXXX XXXX XXXX ) as well as my Personal life & circumstances. 
I Thank You, in advance, for your efforts & energy towards the rectification & resolution of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX CREDIT CARD- PAYMENT ELECTRONICALLY SENT ON XX/XX/2022 STATED DUE DATE - AE DID NOT POST TILL XX/XX/2022 CAUSING SYSTEM GENERATED LATE FEE {$29.00} AND AN INTEREST CHARGE OF {$59.00} - ON CURRENT BILL WAS CHARGED AN ADDITIONAL INTEREST CHARGE OF $ XXXX ALL PREVIOUS AND CURRENT PAYMENTS MADE FROM XXXX BANK SENT ELECTRONICALLY ON DUE DATE. IN SEVERAL CONVERSATIONS WITH AE THEY WOULD CREDIT THE LATE FEE BUT DID NOT APPEAR ON CURRENT BILLING. 
XXXX XXXX XXXX ACCOUNT ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

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 2023-10-17
Company: RANGE CREDIT BUREAU INC
State: WI
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I RECEIVED A CALL FROM RCB IN XXXX, MN ( XXXX ) XXXX DEBT COLLECTOR FAILED TO IDENTIFY THEMSELVES AND MADE FALSE CLAIMS THEY HAVE COPIES OF MY INFORMATION FROM DIRVERS LICENSES, TO CONTRACTS WITH MY SIGNATURES ETC. THE DEBT COLLECTOR HAS FAILED TO PROVIDE ALL OF THESE DOCUMENTS AND MADE FALSE STATEMENTS OF LEGAL ACTION AND OTHER THINGS. 

THIS COLLECTOR REFUSES TO PROVIDE ANY VALIDATION OF THE DEBT AND REFUSED TO MAKE CONTACT WITH ME TILL 45 DAYS AFTER THE FALSE DEBT WAS PLACED IN THEIR OFFICE AND SAID I HAD TIME TO CALL THEM AND THEY DIDNT HAVE TO PROVIDE ME WITH ANY INFORMATION ON THE ACCOUNT OF VALIDATE ANYTHING AND I HAVE NO RIGHTS TO DISPUTE THE DEBT AT ALL. 

THIS DEBT COLLECTOR IS VIOLATING MULTIPLE DEBT COLLECTION LAWS AND PRACTICES GOVERNED BY THE FEDERAL LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  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 non-monetary relief