BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-31
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: Account information incorrect

Complaint:
I previously had a vehicle loan with XXXX XXXX XXXX XXXX. This loan was for a XXXX XXXX XXXX, and the payments were due on the XXXX of each month. This vehicle was paid off on XX/XX/XXXX. However, XXXX has reported on my credit report that my XX/XX/XXXX and XX/XX/XXXX payments were 30 days late. The vehicle was paid off prior to the XX/XX/XXXX payment being 30 days late, and the loan was completely closed by XX/XX/XXXX. I have reached out to XXXX twice. The first time, they told me to dispute the information, and the person I spoke to said that these XXXX late payments are definitely reported incorrectly. I disputed with Experian, but the information was not changed. I then spoke to XXXX again and got a statement from them saying that the loan was paid off on XX/XX/XXXX. I submitted this document with a new dispute for Experian. However, the incorrect late payments were not taken off my credit report. Experian states that XXXX has verified the information on my credit report as correct. However, I have documentation and have had conversations with XXXX that contradict that.

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 2021-05-31
Company: EQUIFAX, INC.
State: SC
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: LA
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'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$45.00XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$30.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXXXXXX Balance : {$60.00}

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 2022-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We just filed a complaint in where XXXX stated XXXX purchased the debt XXXX XXXX and so forth on XXXX under the fair credit reporting act I must be contacted XXXX phone or XXXX Mail if not credit XXXX not reported negative I provided u a dispusition of the courts where I was in prison upon your purchase of the debt .. XXXX report I send u a disposition from XXXX XXXX XXXX XXXX XXXX was arrested in XX/XX/XXXX and I was there until I won my appeal in XXXX .. so please tell me how u made contact with me not XXXX letter was addressed to XXXX XXXX XXXX you can choose a previous address and say oh I made contact not to mention its public record its still on my credit report. Where my location was .. its not my responsibility to follow the law its yours .. your in lawfully collecting a debt. That u have no fright to and are not follow the federal and state law which states if u did not make contact u can not report any negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Called Aidvantage regarding wrong information on my account. Showing a school that I never took out a student loan and under the XXXX program but my loans are showing different forgiveness dates when I took out XXXX at the same time. Spoke to XXXX representatives and was given different information. XXXX representative claims I took out a student loan in 2005 and was emailing me a copy of promissory letter which I have not received. 2nd representative claims didnt see a loan in 2005. Both representatives claim even though school showing a student loan was not taken out, it would still this. My student loans were taken out in XXXX in XXXX, NY and XXXX the are showing is in XXXX NC XXXX Amount on loans are inconsistent and both show a consolidation but only had XXXX loans. Would not let me speak to someone else above to get clarification. The loans were for XXXX and XXXX in XXXX NY for a total of {$10000.00}. Original loan taken out through XXXX XXXX Bank. Not sure if they still exist at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
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 hope this letter finds you well. I am writing to express my gratitude for your prompt action in deleting certain fraudulent accounts from my credit report. However, I am also writing with deep frustration and disappointment regarding the unresolved issues that persist on my credit report, which continue to have a negative impact on my financial life. 
However, my frustration arises from the fact that despite the removal of some fraudulent accounts, several others remain on my credit report, despite my repeated attempts to dispute them. These remaining fraudulent accounts continue to damage my creditworthiness and hinder my financial opportunities. It is disheartening to see that these discrepancies persist, even after providing clear evidence of their fraudulent nature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a responsible consumer, I have diligently reported all unauthorized activities and provided all necessary documentation to support my claims.

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 2022-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Company claims it is not discriminating by not giving cli and/or card applied for Company is attempting to hide behind terms and conditions in rewards program to deny me anything larger than a XXXX $ credit line Bank of America use to give 3-7 cards to EACH individual this is abhorrent behavior

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 2023-02-07
Company: Westlake Services, LLC
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:
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. 

Westlake Financial : 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 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 2018-05-06
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
At the beginning of XXXX I activated a 5 % cash back bonus reward for grocery stores & local markets on my Discover card. Got ready to pay my bill, I had a balance of {$430.00} with rewards of {$21.00} that was verified by Discover card supervisor XXXX employee # XXXX in Ohio on XX/XX/XXXX. However, they would only let me redeem {$4.00} of that reward before paying my bill. XXXX said I couldn't redeem my full reward until after XX/XX/XXXX. Bill is due XX/XX/XXXX. This is unfair & deceptive. Why do they get to " hold '' my redeemed cash back benefits instead of crediting my bill when I actually make the purchases? I can't find this in the fine print anywhere & even if it is, this is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Specialized Loan Srrvicing LLC XX/XX/XXXX and XX/XX/2022, to dvise them that my taxes were due of XXXX. I was assured in XXXX that they would get paid. The taxes were due XX/XX/XXXX. So I call them on XXXX XXXX to advise taxes are NOT showing paid. They stated they would contact my county tax office. It's now XX/XX/XXXX and my taxes are delinquent. I pay a lot of money in an escrow account for my taxes to now be delinquent.

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 2022-12-31
Company: SUNRISE CREDIT SERVICES, INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/21 I requested XXXX XXXX  to terminate my service immediately because XXXX was not providing the service I was paying for. I paid them {$29.00} for service used to XX/XX/21. They billed me {$100.00} later for the remaining portion of the cycle I did not use. XXXX has the ability to turn on, turn off, problem solve etc immediately from their office. Other utility companies ( telephone, electric, gas, water etc ) only bill for service used in a cycle. I reached out to XXXX and could not resolve the issue. 
The XXXX XXXX XXXXl has initiated an investigation into XXXX for not providing customers with the service expected/agreed to,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with WAKEFIELD AND ASSOCIATES with a balance of {$830.00} and an original creditor of XXXX XXXX EMERGENCY. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed that my credit score with you company is significant different from XXXX and XXXX. For example, my score with XXXX is XXXX and XXXX is XXXX and with Experian is XXXX and this is impacting my XXXX  score. I'm always on time with all my payment. I haven't request for a new credit cars or loans for months. Why this is happening? Why my credit score decreases in the past couples of months? I would like to know the reason. I'm attaching a copy of my credit scores from XXXX and XXXX. 
Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 i sent a dispute letter via certified mail to Equifax with a concern of wrong information being reported on my account and to please prove to me the accuracy of this information, not only was the information inaccurate but i never gave Equifax consent to post this on my credit ... 

Code 1692g- Validation of Debts - Code 1681b- Permissible purposes of consumer reports Exhibit A.. Equifax inaccuracy report for XXXX XXXX XXXX XXXX Acct XXXX XXXX Address is wrong, Amount is wrong, Account number wrong, Exhibit B. The correct Address, The correct Amount, XXXX XXXX Account number. 
XXXX XXXX XXXX XXXX. 

I demand Equifax to remove XXXX XXXX XXXX off my credit report or face penalty by FCRA for damages and Violations..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NC
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 reason to believe that XXXX XXXX is maintaining information on accounts associated with Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 Section 604 A section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under15USC1666B A creditor may not treat a payment on on a credit account under an open and consumer credit plan as late for any purpose. XX/XX/2023 XXXX XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am writing this letter to report deceptive activity of Freedom Mortgage regarding Loss Mitigation. We signed a loss mitigation form and submitted it to the bank in XXXX of 2022 ; however, the I found that the information was incorrect, therefore Freedom corrected the information and reissued the Loss Mitigation Loan docs for us to sign in the following month. Las month I received a XXXX of a copy of the loss mitigation documents that I signed. They were the correct documents. In addition, the correct loan modification documents have been posted to my account. In the meantime, I recieved a notification of activity from the county accessor of activity. So I paid for the document that was file on our property, identified as Modification, on XX/XX/XXXX. It is the incorrect document. I do not know how in the WORLD this can be an oversight when, doing this process there is so much quality assurance that occurrs to ensure that the information is correct. But the papers the accessor recorded are stamped and the papers that were correct and signed for the same modification are stamped. I would have never know these documents were filed with the county if I did not sign up for those notifications. I am a minority. Freedom mortgage has been previously fined by the CFBP for incorrect treatment of minorities as well as numerous lawsuits regarding their loss mitigation practices. But this is just blatently and entirely insane. I should be able to trust my mortgage company. And if God did not give me a dream about their shady practices, I would have been shafted long time ago. I don't even get a portion of the money you all collect from them in fines but this activity is absolutely insane. They take payments that have been canceled. They mislead consumers and I have documented screen shot proof of all that. But since that is not my initial complaint, I will leave you with these terribly blatent illegal discrepancies. Have a great time fining and making another collection from them on my behalf, because I am more than positive that they have done this with several consumers. I have uploaded the incorrect paperwork filed at the county accessors, the copy of the paperwork I signed and all the records recorded on my account with them online, and with the dates they were recored. I also have screen shots of all those files and corresponding dates, however I did not upload those.

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 2022-12-31
Company: Experian Information Solutions 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:
Clarity Services is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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