BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My issue is with Exeter Finance of XXXX XXXX 

In my conversation with the company on XX/XX/2022 I was told there was an overall balance on the account of {$3100.00}. I told them that on my computer screen it said payment due of {$810.00}, which is the payments I have made throughout the history of this loan and would be be ok if I made that exact payment prior to XX/XX/2022 so that it would not be marked late on the XXXX credit reporting agencies. Exeter 's agent told me that it would be fine. On XX/XX/2022 I made the payment of {$810.00}. Within a week the credit reporting agencies listed the account as 30 days past due ( the first negative mark on this account for the 6+ years I have been paying off this account ). I called Exeter to complain about it but they did nothing about it. I then made a decision to pay off the balance of the account for the amount of {$2300.00}, which was paid on XX/XX/2022. To my absolute terror not the credit reporting agencies are listing the account as 60 days past due, which is impossible as the account is closed and I have paid in full the loan. I request that Exeter eliminate that 30 day late mark as the account was paid as what was agreed to and to eliminate the 60 day late mark as that is impossible as the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2021-01-28
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been 60 days and I still haven't received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NY
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 several letters, but most recently sent a letter to Equifax, and they haven't replied in the 30 days. From the previous letter sent, Equifax did respond once and stated that the information was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction he term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to you? 

How did they complete the investigation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions 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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-24
Company: Experian Information Solutions 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 this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX, account number : 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 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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  Account # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am contacting you regarding the removal of certain accounts and information from my consumer report. The specific accounts and information listed below should not be reported on my consumer report, as this action directly violates the FDCPA and FCRA. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. I urge you to take immediate action to remove these accounts and information without delay.

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 2023-05-17
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was sick in XX/XX/2023. I had XXXX XXXX  & requested for Forbearance from XXXX XXXX via Rocket Mortgage LLC, Loan Servicer, but unfortunately, Rocket Mortgage LLC didn't forward my request to XXXX XXXX, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that Rocket Mortgage LLC is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that Rocket Mortgage LLC is behaving this with me because I am a XXXXXXXX Person of XXXX, XXXX XXXX XXXX XXXX. 
I want CFPB to take action against Rocket Mortgage LLC for harassing People of Color & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
A Financial institution ( XXXX  XXXX XXXX ) filed a report with chexsystems reporting my Business account for suspected fraud, XXXX  XXXX XXXX has since closed my account, Including a savings account I held in the bank for over 15years I disputed the information and Chexsystems carried out an investigation and the Financial Institution claimed to verify the information without contacting me or launching any investigations. 

Seeing that i was up against institutional collusion, I realized my only recourse to putting my side of the story out there is ADDING A STATEMENT TO MY FILE on Chexsystems. 

I sent Chexsystems a statement which was added to my file ( SEE attachment 1. ) A few days later i got a letter from Chexsystems stating an error and CHANGING my statement ( SEE attachment 2 ) The statement in ATTACHMENT 2 belongs to Chexsystems NOT me and it represents a BRAZEN denial of my FIRST AMENDMENT 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
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: PA
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 need help from the Consumer Reporting Agencies in resolving my issues concerning these invalid entries that were placed on my credit report. I want to fix this one and for all.

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 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Service Provider : Bank of America, XXXX XXXX XXXX XXXX XXXX, NC XXXX The Consumer : XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX, GA XXXX The Amount requested to be returned to the consumer {$490.00} USD Decsription : The vendor : XXXX XXXX XXXX, made a refund of {$490.00} USD to me, the consumer, XXXX XXXX and provided a receipt for the refund ( XX/XX/2022 ). See Attachment. 
XXXX. My Bank of America Account which the refund was made to was closed XX/XX/2022. 
XXXX. The consumer has made several calls since XX/XX/2022 to present to Bank of America to find the missing money/refund which was not sent back to the vendor. 
XXXX. Bank of America refuses to provide the transaction number where they rejected the refund /said transaction number was requested via an FTC complaint Reference : The FTC Report Number : XXXX. XX/XX/2022 but Bank of America has not replied to the FTC complaint. 
XXXX. Bank of America refuses to provide information for the XXXX XXXX for me to send an email to resolve this matter. 
XXXX. The consumer XXXX XXXX also has a personal checking account with Bank of America where the funds may be deposited. 
XXXX. Note the attachment - refund receipt from the vendor has the debit card last four digits to track the refund.

Please assist. Thank you.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-05-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2022 I applied for the XXXX XXXX XXXX with Comenity Bank. I received a hard inquiry through XXXX and began the waiting process for my approval/denial letter that was stated in the site to be received between 10-14 days. I never received a letter. I called and was told to wait a few more days for the letter. Weeks had passed and I didnt receive anything. I contacted them again and asked to speak with a higher up and I was told that I never applied for their credit card when I did, I told them, If I didnt apply why did I receive a hard inquiry?. I was then told to apply again on XX/XX/2022, and the same thing occurred. So after waiting weeks, I called and they still had no response for me. Finally, after calling and after the window of time of the approval or denial process they sent me a letter of denial. I called and spoke to a higher up after numerous of times and they had no answer for me. They didnt want to fix the issue and I ended up contacting XXXX and a representative agreed that they should remove the hard inquiry if I never received a approval or denial letter and since they stated that in their database they had no information that showed that my application ever existed. The representative of XXXX sent a letter to their mailing address and I never received a letter back from Comenity bank. I contacted Comenity Bank regarding an update on the letter and I was told by a representative that I would have to keep sending letters until they responded. And I explained that I have been waiting months, and their response to me was to continue sending letters anyways. I have been dealing with this bank for 8 months already and they have shown to be unorganized and irresponsible with the application process. They stated that they had no way of helping me and have not given me a response ever since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX  a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major surgery to remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX   XXXX. There are multiple e-mails attesting to this fact. XXXX   XXXX  opted on XX/XX/XXXX, XXXX XXXX   requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX   bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Once again XXXX and Experian have furnished a negative account on my consumer report after receiving my debt validation, and my demand of removal. The letter stated that if vystar repost on my consumer report without sending me debt validation they were to IMMEDIATELY pay me {$75000.00}. My rights have been violated 15 USC 1692 and 15 USC 1611. I will have the CFPB help move matters forward in collecting damages from both parties. Also if account is charged off, then said account is paid which means it's canceled. 18 USC 8 Please see attachment. That letter was certified sent to XXXX XXXX the account number was from XXXX. Experian account number is 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 2023-05-17
Company: Kriya Capital, LLC
State: TX
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Since filing my first complaint against Bank of America regarding case # XXXX. New items have been discovered on the title report / deed of trust. 
Items 7, 8, 9 show as still open on the report. These items were replaced by a new deed of trust showing as item # 10 which was paid off in XX/XX/XXXX and confirmed by Bank of America in writing XX/XX/XXXX. 

Bank of America continues to refused verbal and written request to close out Deeds of Trust on current XX/XX/XXXX title report. They're attempting a default on our building using these paid off and closed out Deeds of Trust. You should be aware the Office of Comptroller and SEC have also began investigations on this. 

This is a new way for Banks to cover up fraudulent lending practices and bully customers into paying fees and charges under threat and duress. 

We need your help, please. 

Thanks ' in Advance.

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 2022-12-13
Company: FISERV INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I placed XXXX small orders on XXXX months ago and they did not clear my bank instead of reaching out to me they sent them directly to TRS to try to gouge me for even more money!!!!! I found this out because TRS started harassing me!!! I am a twice widowed mother and XXXX worker but off on unpaid XXXX due to serve health issues and have not been paid in XXXX months, XXXX!!! I have gone through all of my savings to pay my bills, have no credit cards, and can not get a loan because my XXXX XXXX is too low. Then XXXX XXXX who I have purchased from at XXXX for years starts using these crooks to gouge people who are already suffering for triple the original amount they could not pay!!!!! So, I emailed him at his email address XXXX and told him what I thought about all, and he replied stating he would contact TRS Recovery Services to stop contacting me!!!! I thought all was taken care of, this was over months ago, then today I received these notices from TRS Recovery Services harassing me once again with their exorbitant usuary fees!! I am NOT paying them EVER and have already told them to CEASE and DESIST, yet they continue to contact and harass me, they are breaking the FDCPA laws!!!!! Make them STOP and enforce the law and fines on them!!!! I am also going to file a complaint with the IL Attorney General against them too!!!!

Company response to consumer: Closed with explanation