BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have recently reviewed my consumer credit report, and I have noticed that it also contains information regarding alleged late payments, which I believe fall under the category of " transactions and experiences. '' According to the Fair Credit Reporting Act ( FCRA ) and other applicable laws and regulations, transactions and experiences are explicitly stated as information that should be excluded from a consumer credit file. 

It is important to emphasize that any alleged late payments are indeed transactions and experiences, and their inclusion in my credit report is not only inaccurate but also potentially damaging to my creditworthiness. I firmly believe that these items should not be part of my consumer credit file, as they do not accurately reflect my credit history and financial behavior. I have listed the following information as a reference : Negative Accounts : XXXXXXXX XXXX XXXX Lender : {$180.00}, {$230.00} TransUnion, XXXX ( Negative Remarks ) XXXX XXXX XXXX {$180.00}, {$230.00} TransUnion, XXXX ( Negative Remarks ) XXXX  XXXX : {$200.00} XXXX, TransUnion, XXXX ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX, TransUnion, XXXX ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX, TransUnion, XXXX ( Negative Remarks ) Collections : XXXX XXXX XXXXXXXX {$480.00} XXXX, Transunion, XXXX ( Negative Remarks ) XXXX XXXX XXXX {$130.00} XXXX, Transunion

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 2022-10-22
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:
In accordance with the Fair Credit Reporting Account, XXXX XXXX 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 2018-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Assoc, settled on XX/XX/XXXX for XXXX this account still shows on my credit report in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRUIST FINANCIAL CORPORATION
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have paid two and three payments per month on my mortgage note Loan Number : XXXX with Truist bank and they are prepaying/taking interest on those extra payments rather than applying it to principal correctly. My principal balance is not going down even by the normal amount of one payment from statement to statement. I am requesting a full-audit of my mortgage loan by a 3rd party. This is the worst banking experience I've ever had to deal with and the last time I called Truist, I told them again over an hour and a half conversation, the principal balance isn't going down per my payment history from statement to statement and they are taking double and triple interest payments. I didn't have any payment due until XX/XX/XXXX. I made a payment earlier this week, all toward principal. I received an email today saying my XX/XX/XXXXXXXX  payment is past due and my principal balance went up again, not down, despite just paying over {$1600.00} principal payment. 

I want my entire mortage payment history audited and I don't want it done by their incompetent customer service workers on the phone who continuously create an even bigger mistake than the first one I reported. In looking at my online statements, it's obvious, they're taking my money and not reducing the principal balance accordingly. 

On one of my statements, it showed my interst portion of the payment was under {$200.00} and now they're all over $ XXXXmonth - this is indicative of my principal balance going up not down - this bank has never gotten it right. I need my entire mortgage audited for proper application of my payments to principal and ensure my principal balance is accurate because I can tell it's not even close. The latest response to my complaint from the bank is to issue me a late payment without notification today, when the last time I looked at it earlier this week - no payment was due until XXXX, XXXX  -- yet the principal balance didn't go down!!! 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 2020-03-18
Company: Colony Brands, Inc.
State: DC
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:
Colony , Inc, owns XXXX XXXX XXXX, and XXXX XXXX. They switched the names on the accounts, so they could retaliate by reporting erroneous information. I provided the documentation that shows the accounts are paid in full and they keep reporting they are delinquent and charged off. They refused my offer to pay, but I paid anyway and they kept the payments. They can not keep the payments and continue to report wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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: Reporting company used your report improperly

Complaint:
I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I informed the CFO that I, XXXX XXXX, agent on behalf of XXXX XXXX, principal hereby accept all titles, rights, interest and equity owed to XXXX XXXX, principal. 
I advised the CFO of the company to apply the to apply the principals balance to the principals account for each and every billing cycle for set off. I also instructed the CFO, to communicate in writing once instructions are completed. This is instructed to happen within XXXX business days. 
I sent my Claim of Credits letter on XX/XX/23 I sent my Opportunity to Cure letter on XX/XX/23 I sent my Default Notice letter on XX/XX/23 With these documents I provided a durable power of attorney as well as references to federal reserve act sections 16 and 29 in addition to copies of multiple endorsed bills relating to the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following information is fraudulent and doesn't belong to me. 
I demand immediate removal and blocks from these accounts and future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: PA
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:
I tried to contact company and no response and I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested to have my private mortgage insurance removed from my loan in XX/XX/XXXX via my online account with PennyMac. I was told that my loan to value based on my original amount did not meet the required loan to value ratio and that I would need to wait until my mortgage had matured to two years, and so long as I had a good payment history, I could apply to have my private mortgage insurance removed based on the current valuation of my home, but there would be a fee of {$150.00}. 

My original loan is dated XX/XX/XXXX. In XX/XX/XXXX, I contacted PennyMac to have the private mortgage insurance removed based on my current home value. I was given the option to pay the {$150.00} to have a current valuation of my home completed. However, when I sent an email noting that I was willing to pay the {$150.00} to have my home undergo a valuation process and included some improvements that I made in the home, which is not required for the current home valuation process, a PennyMac representative denied to process my request and has not responded to my correspondence since that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought something from XXXX XXXX XXXX XXXX  ( XX/XX/2021 for {$42.00} ) using my Victoria Secret XXXX XXXX I made a payment after a " fee '' was put on the account. I was charged a late fee of {$29.00} on XX/XX/2021. I made a payment of {$42.00} and since then the bank has been charging me late fee over late fee with minimum interest. I owe the bank {$0.00} for the purchases I made. But they keep charging me late fee. I'm over {$250.00} in late fees now and its dropped my credit score by XXXX  I think it is illegal for the bank to keep charging people once they have paid for the goods they purchased. Ive been their member for 15 years and this was the first time I missed a payment. Only if their portal wasn't so dated and would allow automatic payment or even send you ebills when due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
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 draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX, I purchased a used vehicle and XXXX XXXX was the chosen financial company. Every since I have started making my payments, I have gone online and schedule my payments, the funds leave my account 3 days later and it is posted on my account page with this company as being completed. Since I am refusing to talk to them to schedule my payments, they have been sending false information to the 3 credit bureaus ' stating that my payments are XXXX, XXXX and 90 days late. When I reported them to XXXX, I was sent a letter telling me that even though it shows on my account on their website as my payments being completed, they are trying to tell me that they didn't receive my payments until 3 months later. That is false. I have tried to trade this vehicle in so that I can get out from under them, they block me by reporting false information about my payments. When I tried to refinance my vehicle through another company, they block me by reporting that I have missed payments, that I am behind in my payments, knowing that these companies will turn my request down. I have tried to straighten this out with the company through XXXX  but again, they are refusing to correct their false information and they continue to harass me by calling my phone twice a day, leaving messages wanting me to call them about my past due payments. They some how got my XXXX  phone number and started calling and leaving messages on his phone. He is XXXX XXXX XXXX. If I was behind like they claim, why do I still have my vehicle? The proof of their lies is on my account under " XXXX XXXX '' but they all need to be fired at this company since none of them can see the truth that is on my account page. I want their lies, harassment and false information to be corrected so that I can get out from under them. This company doesn't need to be in business at all. I have also found other people that was under them stating that they were done the same way. I will continue scheduling my payments online until they block me from that way again. I want out from under this company and if I have to hire an attorney to sue them, I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
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:
I am refilling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for no corrective actions taken on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof. I have sent my communication letter to them last XX/XX/2023 but until this time, they don't take action on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation