BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: DISCOVER BANK
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports DISCOVER BANK - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XXXX XXXX XXXX and ending on the later of ( aa ) 120 days after XXXX XXXX XXXX  ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXX XXXX XXXX  under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: FL
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:
I have asked for validation of these inquiries and audit trail for them and they have failed to do so. 

please remove these errenous credit inquiries from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We shared this farm/home with my grand-son-in-law & our Grand daughter. He & I our on the deed & loan too! As a 100 % XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They were having many other problems too he would move out, then back in ( she tried saving the marriage over & over ) Unknown to us he wasn't paying the mortgage and was hiding the mailings & bills too! After getting a foreclose notice to our unpleasant surprise we installed a locking mail box court ordered to stay off the land, called Nations lending explaining what happened and applying to assume the mortgage totally my wife & myself ( court has ordered him off the loan & land too ) this has been going on since Last XXXX  sent them everything they have asked for too We have excellent credit too and the income needed too! This is just like the trouble he filed a complaint back on XX/XX/2020 for they take for ever it must effect my wife & my credit badly too because of the time frame on the assumable mortgage is taking, We can afford the assumble mortgage but they are putting us further behind & not taking payment too We are on all the original & refi mortgage paperwork too should be fast and easy, but not with them Please help

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 2023-05-25
Company: Experian Information Solutions Inc.
State: GA
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:
My issue is I've had my personal information " Name '' " Address '' " Employers '' being reported on my consumer report inaccurately I've asked the consumer agency " Experian '' to correct this numerous times and yet I have not been assisted in having this information updated correctly again its still being report after months of trying I will enclose all of the information that is needed so that my personal information is updated and reported correctly under the FCRA rules and regulation states that a consumers credit report is supposed to be accurately reported and if it is not then those items are to be removed from my consumer report i also disputed other items as and I have received an emailed from Experian stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

I, was the one who requested all of THIS INFO YES IT WAS ME THAT requested every thing that was disputed it was all sent by me the consumer so I do not know what they're assuming and they have not moved or made any effort in correcting my consumer report which they are in clear violation of ENCLOSED BELOW IN THIS COMP [ LAINT IS MY LETTERS AND DISPUTES THAT WERE SENT TO THEM A NUMBER OF TIMES

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 2023-03-03
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 went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries : XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/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 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 2023-04-27
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good day, I will try to make this simple... 
Paid Bill on XXXX XXXX XXXX Milestone Master Card / Genisis FS My bill : XXXX Amount requested by company : XXXX Amount Paid : XXXX New expected balance : XXXX Fees : XXXX credit protection XXXX Monthly card fee XXXX Interest totaling : XXXX But current balance is now XXXX ... which means that only XXXX of the XXXX went to the bill. According to the rep at the cc company they add the fees after. I am very confused and angry. I have no problem paying fees but this feels like double dipping if I see my bill total as XXXX and I pay the XXXX my bill should reflect the payment properly but they are adding fees after the fact. I know I am old but I have worked in finance and this is certainly skirting the line if not crossed the line of fraud. 
... at this rate it will take me more than a year to pay off this cc and more than 50 % of my payment is not even going to the total.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NC
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: KY
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX Balance : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX  XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX : {$95.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX  XXXX XXXX  Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} Original creditor : XXXX Balance XXXX {$110.00} Original creditor : XXXX Balance : {$130.00} Original creditor : XXXX Balance : {$82.00} Original creditor : XXXX Balance : {$95.00} XXXX XXXX, XXXX Inquired on XX/XX/2022 XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX po XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance XXXX {$150.00} XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX XXXX Balance : {$110.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on 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
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 file a formal complaint regarding an ongoing issue with my credit report. Despite my previous attempts to correct the information, there is an account listed as being late in its opening date. This error is causing significant harm to my credit profile, and I urgently request its correction. 

The specific issue is as follows : XXXX XXXX XXXX Balance : {$0.00} - The account XXXX  XXXX was reported as being opened which is incorrect. I have proof to substantiate this correct date. 

I have previously disputed this discrepancy and provided supporting documentation to demonstrate the accurate opening date of the account. However, despite my efforts, the credit report still erroneously states that the account was opened late. 

I kindly request that you thoroughly investigate and promptly correct this mistake in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. Under the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I expect this issue to be rectified and reflected accurately in my credit report. 

This late open account reporting is negatively impacting my creditworthiness and financial opportunities. It is essential that my credit report accurately reflects my financial history and responsibility.

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 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Account # XXXX was closed. We received numerous from their collection agency. We paid it off on XXXX XXXX. They harassed us to pay this bill. We paid XXXX XXXX and they told us that within 10 days we would have the information updated on our report. That was not true. When we tried to speak to capital one about this, they said they have nothing to do with it. Now Capital One is holding our money and acting as if no payment has been received by them. They received the funds on the XXXX from XXXX XXXX. Our credit is being hostage even though we have paid this off. They are not updating our credit report on time. They said they clear this up within 30 days but that is not true. They say and do anything to get money from clients but then hold those funds and not report that accounts are closed. They are updating 60 to 90 days after the fact even though the money was received immediately. Someone should investigate Capital One AND XXXX XXXX for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That meansTransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-09-19
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan I have signed up for is for solar installation + HVAC replacement. The lending company should only charge me when the product installation that has been completed but they started charging me before completion. I have contacted the company a few times but they ignore my complaints. They start charging me since XX/XX/2023 and up today, the product I had signed for still has not been delivered nor installed. I have my lawyer send an demand letter to Mosaic to make adjustment to the amount of products I have never received, but they ignore my lawyer 's demand letter as well. I should not be charged for service I have never received and the lending company has neglected to perform their due diligent to check with the customer before they send out payment. When customer contact them about the fraudulent documentation the service company provided to get themselves paid, Mosaic choose to continue ignore their due diligent to conduct investigation and continue to bill me for service I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: OneMain Finance Corporation
State: CO
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:
Fraudulent access to my consumer credit report after misleading practices which have been reported to the Federal Trade Commission today, XXXX. I did not give One Main Financial permission to run my credit for a vehicle collateral loan. I do not have a vehicle to put up for collateral, so I would not be applying for a loan that requires it. The prequalification assured that no hard inquiry or credit pull would show up on my credit. The hard inquiry is on my credit and the One Main Financial Customer Relations Department refuses to remove it. I called XXXX and spoke to XXXX today at XXXXXXXX XXXX and I also submitted another complaint ( after sending one via email and speaking to two representatives that promised the inquiry would be removed from all credit reporting bureau reports ) via the Executive Department of Customer Care , One Main Financial at XXXX. No resolution. I was not notified of investigation status or results. Difficulty submitting a dispute or getting info about a dispute over the phone -- customer service just keeps giving different phone numbers and playing phone tag with the customer, promising to remove and not remove. I asked for the written authorization as well as the decision today.

Company response to consumer: Closed with explanation