BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 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 2022-10-09
Company: EQUIFAX, INC.
State: MN
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  Account ending in XXXX : 15 USC 1681 Section 602, states I have the right to privacy.

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

15 USC 1681a Sect 2a ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report ; a credit report is a consumer report. Per part ( I ), only transactions and/or experiences should be reported. Marks such as late payment/s and utilization rates are illegal per this law.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Two times during my loan mod that Fay Servicing LLC and their Trustee Company XXXX XXXX XXXX XXXX XXXX XXXX forclosured my home misleading me, and told me both of times that my required loan documentations had been completed. and waiting for the underwriter to qualified a loan mod for me. Both time without a paper trail, a email, a letter, a text message, that FayXXXXXXXX XXXX XXXX forclosed on me between XXXX, and never sent me any letter stated that i was not qualify for a loan mod. 
I was scaried and threaten to loss my home, so in XXXX i asked for reinstatement. 
one time in XX/XX/XXXX that i wired the fund per instruction from Fay of {$200000.00}. Fay acknowledged that wired fund received, that my loan reinstated, but turned around Fay forclosed my home, i contacted Fay repeatedly and demanded to stop the foreclose without any answer. I didn't even have a chance making my monthly loan payment. i was forced file bankruptcy. 
on XXXX i again asked for reinstatement, and i was told by email wired fund of {$210000.00} to fund on XX/XX/XXXX, again, Manager XXXX XXXX acknowledged fund received, loan reinstated, payment will be {$2000.00} each months. I starting made payments of XXXX, XXXX, XX/XX/XXXX total of {$6200.00}, said fund never credited to my account, never returned. By XX/XX/XXXX after Fay cashed all my funds and suddenly foreclosed on my home, again, without single word for more than 3 month since XX/XX/XXXX-XXXX dead silence, i immediately called Fay and XXXX to stop the foreclosure. They went ahead forclosed on my home, i again, filed bankruptcy, XXXX, XXXX filed dismissal my BK case. and court accused of me filed jaded BK, even i documented every single evidence. to no avail. my case dismissed. 
Fay then immediately scheudled another foreclosure on XX/XX/XXXX in 14 working days. 
I am again asked for 3rd reinstatemnet but extreme worried that doesn't matter how do we comply with the law and Fay 's instructions, that it is a scan, that Fay will uses my fund to invest making profits, and misleading, scheme me to believe that my loan will be reinstated once the wired fund received. 
Fay send me the augumented of {$250000.00} to reinstated my loan by XX/XX/XXXX. I am waiting for my deposited check cleared to cut the check forwarding to Fay before XX/XX/XXXX. 
Fay eventually refunded my wired fund on XX/XX/XXXX from XX/XX/XXXX Fay Cashed my check more than 3 month even after Fay forclosed on my home on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is not a duplicate complaint and I requesting for the company, XXXX app to respond. The XXXX app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the XXXX app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, 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 explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also State a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open Consumer Credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: AR Resources, Inc. (FL)
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i take my credit very serously, always on time and pay bills in full. i am a member of XXXX and recieve monthly updates about my credit. a couple weeks ago i recieved an email from them about a decrease in score due to a debt collection. turned out to be a XXXX dollar medical bill that i never recieved any notification for, neither from the drs office nor the collection agency. i was so upset as im in the process of purchasing a home. i reached out to the drs office, which is in another state ( i went to XXXX school out t of state and relocated afterwards however my mother still lives at the address they had on file and always forwards me any mail she recieves. both the drs office and collection agency were extremely unhelpful. of course i paid the bill, but if it wasn't for my XXXX membership, i would still have no idea. im very upset, as there was clearly some mistake. noone even tried to call me. both the drs office and collection agency admitted to that, which i dont understand.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, upon checking my credit report, It came to my attention that a Synchrony Walmart Credit card was opened fraudulently in my name. I sent debt validation letters to both Synchrony and XXXX XXXX XXXX, and for a month it was either Synchrony saying they sold the account to XXXX   XXXX and that I should deal with them directly. 

I sent XXXX my FTC Identity Report along with other supporting documents, and I never heard anything back. XXXX XXXX, tried to sue for another account that was opened fraudulently, so out of fear of being sued and dragged back into a courtroom I took a settlement paying a total of {$510.00} I sent Synchrony Bank a packet of information with supporting documents, and recently Synchrony Bank sent me a letter in the mail and ruled in my favor that the Account ending in XXXX was opened fraudulently. 

Every time, I asked XXXX for debt validation they sent me the attached letters. It just states that Synchrony sold the account to them and that was enough to establish its validity.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
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 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 2023-01-16
Company: EQUIFAX, INC.
State: DC
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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST LETTER TO WHOM IT MAY CONCERN : Received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Not saying they are reporting right or wrong. Just saying that I am not 100 percent sure rights to challenge anything, I am not sure is accurate. Some of the people reporting things on me, I have never heard of, made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? Heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted- if they are not 100 percent correct. So, could you please check on these and get back with me? Saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not, correct them. 


In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report. 

The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 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 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. XXXX is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 
15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 
Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX, XXXX  I made a purchase using my Capitol One Credit Card. When I did not receive my order a month later, I contacted the vendor. They claimed they would send again. I never received it and contacted them again the end of XXXX. I still have not received my order. I have email verifications. At this point, I just want my money back. The vendor advertised themselves as XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: MO
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:
The Equifax Credit Reporting Agency have been non-compliant with my request for the removal of the disputed fraudulent information that are being reported on my Credit File. The Equifax Credit Bureau have been reporting inaccurate information that have been already deleted from the other Credit Bureaus. Only if Equifax, have been keeping accurate credit Information they should have never been reporting incorrect information on a consumer 's Credit File. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information on a consumer 's Credit File. However, the Equifax Credit Bureaus have been doing nothing and have even claimed that the disputed inquiries belong to me and yet they have not sent me copies of proof of their verification. I am now submitting this CFPB complaint to request to Equifax to remove the disputed inquiries completely from my Credit File. If Equifax do not comply with the request, please understand I start filing legal actions. 
Delete the following inquiries : XXXX date of inquiry XX/XX/2021 XXXX date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I went into XXXX XXXX ER, I needed gauges and was told to come back onXX/XX/2018 to have the dressing changed and that there would not be any additional charges because it was associated with the original visit on XX/XX/2018. When I went to get the dressing changed on XX/XX/2018 all I did was sign in. They didn't collect a copay or have me sign any other paperwork, because as I was advised it was associated to the first visit. I started receiving collection letters from XXXX and I advised that this debt is not owed. I advised the debt was in dispute. They put in dispute for 45 days, then sent me a generic collection letter saying that they have validated. I called them and asked how did they validate? Where was the paperwork proving I owe and the debt was validated? I was told that I must validate my own debt. I called back and got a new rep that put the account back in dispute, and today I get another generic letter from them saying they have questions for me. When I called them, they said send them something from XXXX that says I don't owe. I told them to send validation that says I do, because they have yet to prove it. I was advised there are no documents form XX/XX/18 and no signature from the doctor.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/23 I reached out total ( 3 ) Bureaus advising I am a victim of identity theft and to remove the accounts as they were obtained or opened without my consent. I also sent my verifiable documents and police report. I have yet to hear anything back and its over 30 days.

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 2020-12-24
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: Was not notified of investigation status or results

Complaint:
I attempted to make contact with XXXX XXXX XXXX  in XX/XX/2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2019-06-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear CFPB, In XX/XX/XXXX I was solicited to refinance my home located in XXXX XXXX while I resided in Hawaii working for my employer. My home was being rented out. I was advised by the Pennymac loan officer to finance it as an investment property. I stated I had already considered refinancing because we wanted to purchase a home in Hawaii as our primary residence with a VA Loan. I was told if I followed through with the refinance I would be able to secure another mortgage as a primary residence with my husbands VA entitlement benefits. I verified this MORE than once. I explained how important it was that we were able to buy another home that I had a baby on the way. When we went to purchase another home we found out that was not true. We would have to refinance yet again our home as a conventional loan for an investment property. I can not explain how expensive the misleading information I received has been. Rent in Hawaii was {$5600.00} a month for our 2 bedroom apartment. When my youngest son was born and our family outgrew our apartment and we couldnt afford to refinance again to buy a third home we were faced with relocating. I am now trying to buy a home as our primary residence in XXXX XXXX and the amount that was added to our home makes the loan to value too high for a conventional refinance. I also reached out in the process of trying to refinance our current loan I had let the payment stretch to the max in hopes the refinance would be done and the loan would be paid. In setting up autopay through our bank. I confirmed with Pennymac and XXXX   that they could transfer the payment within 1 day to avoid a 30 day late. As soon as I figured out our refinance would not go through in time. I called to arrange the payment and when it wasnt received I received no call. They had no problem calling me every day when it was late but after I called let them know I had made the payment I received no confirmation. The moment I found out it wasnt received I paid it directly. The inability to refinance my current loan and The 30 day late being reported from XX/XX/XXXX is keeping me from qualifying to refinance it on my own. Its outrageous that the deception from Pennymacs agent in XX/XX/XXXX is continuing to hurt my family. I previously reached out to management and was told they listened to recorded calls and didnt hear the agent provide inaccurate and intentionally misleading information. When I asked for a copy of the calls they refused to provide them in writing or by recording. The funds it cost to refinance and the additional interest should be reviewed. 

XXXX XXXX XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation