BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
-- INCORRECT PERSONAL INFORMATION -- THIS COMPLAINT IS DONE BY THE CONSUMER -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors.

-- 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.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate.

-- The following addresses, phone numbers, names are inaccurate information, it is not mine, it is fraudulent to continue to report and my permission has not been given orally, in writing, or electronically to report this collection on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : -- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following name, address, phone number and employer is correct and should be reported : -- XXXX XXXX XXXX 
-- XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
-- ( XXXX ) XXXX -- XXXXXXXX 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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquires from XXXX of 2020- XXXX of 2020. That I have no knowledge or memory of nor of giving consent and need them to be removed from my credit report.

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 2023-08-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX of XXXX, I noticed the presence of an adverse account on my credit report that I viewed from my banking application. According to the account, I owed {$160.00} to XXXX XXXX XXXX, a company I had never heard of before. I knew that I did not owe any money to any agency, so I went to dispute the account. My banking application directed me to TransUnion to perform the dispute, but the account was strangely not listed at all on TransUnion. I then noticed that the account originated on XXXX and began a dispute on their website. The charge was verified as incorrect and removed from my credit report within a few days time. I had thought that was the end of it until it remained on my credit report on my banking application, though the account was STILL not appearing on TransUnion, so I had no way to remove it. 

Finally, on XX/XX/XXXX of XXXX I was able to see this account on my TransUnion report so I could dispute the account. I did so and I received the results of this dispute on the XXXX of XXXX, XXXX only to find that somehow they claimed that the account was correct. 

I am absolutely certain that I owe no money to this company. The only debt that I currently have is my student loans, which I am in the process of paying back, and whatever bill I have for my credit card this month, which I pay in full and on time each month and have never missed a payment. I have never owed any other money to any company and I do not know how this company even received my information. I have seen online that many other people have had this exact same issue with XXXX XXXX XXXX claiming they owe money out of the blue, so I know that this is not an isolated incident to just myself. TransUnion has said that the company is somehow linked to cable/XXXX XXXX and I do not pay or subscribe to any sort of cable service. 

I would like this account removed from my credit report so I can put this issue behind and not have to worry about the long term consequences of having an adverse account on my credit history, especially when I do not even owe this money. As of right now, TransUnion is the ONLY credit reporting agency of the three largest ( The other two being XXXX and XXXX ) that still insist I owe this fee. That should be indication enough prove that this is a false 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 2022-06-13
Company: SECURITY FINANCE CORP
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They added me for this service without my permission and when I contacted them they are not picking up my call.

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 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the global Covid-19 pandemic I entered into a payment assistance program for my mortgage with Bank of America ( BOA ) where my payments were supposed to be deferred, no late fees no reporting to the credit bureaus for three months XXXX, XXXX and XX/XX/2020. The payment assistance program was scheduled to end on XX/XX/2020. However, as my income was restored I opted to exit the payment deferral program early on XX/XX/2020 and continue to make mortgage payments. I received a letter stating that I was unenrolled in the program successfully. I also spoke with a BOA employee and received a confirmation number of the cancellation of my participation in the program. In XX/XX/2020 BOA put me back into payment program without my consent. In XX/XX/2020 BOA changed my account number for my mortgage loan. In XXXX confirmed that my mortgage payment for XX/XX/2020 would be reported on my BOA account by XX/XX/2020. But instead they simply reenrolled me into the payment assistance program without my consent and did not reflect my XX/XX/2020 online payment. BOA claimed that I asked to be enrolled in the program on XX/XX/2020 but my payments were/are current and I did not request to be re-enrolled into the program. They also added {$1000.00} plus dollars on my account with no explanation. In addition, BOA reported to the credit bureau that I owed an additional XXXX on my mortgage loan. In addition, my credit score dropped points as a result of this falsification of my mortgage account on behalf BOA. BOA also put a note on my credit bureau accounts but I do not have access to what information they wrote. As a result, I am not able to refinance my mortgage and get good terms and interest rates. 
Furthermore, my escrow account is in a negative balance even though I have been paying my loan. They not provided explanation for the deficit in the escrow. I am submitting this complaint on XXXX XXXX, 2020. My payment has ben submitted for my mortgage on-time for XXXX payment but since BOA can not confirm my exit from this program I am also worried they will not report my payments and the due date is of XXXX XXXX, 2020 is approaching. The keep sending me email messages that I have not paid XXXX mortgage but I paid it already. I paid XXXX mortgage XXXX and XXXX mortgage on XXXX XXXX, 2020. There are discrepancies in the amount BOA has for the principal, interest and escrow. Statements from XXXX, XXXX, XXXX and XXXX say conflicting amounts that do not make sense

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 2022-12-12
Company: Experian Information Solutions Inc.
State: CA
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. 

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 XXXXXXXX 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 XXXX 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 2023-06-13
Company: Receivables Management Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a collection company. They bought out a account and when I've ask for verification and not validation, they only send computer generated replies. Still show no proof that the account belongs to the account holder. They are a debt collection agency that buy accounts without full verification. Again I'm asking for them to send VERIFICATION and not validation that account belongs to the account holder.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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:
While checking my Transunion consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Transunion. 

XXXX XXXX  - XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2019-06-30
Company: D. SCOTT CARRUTHERS
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The debt was paid in 2014 in exchange for it being removed from all credit reports including XXXX. When contacted, collection agency gives me wrong info so I can't contact them. Persons name is : XXXX XXXX - D. Scott Carruthers Law Firm and Mountain Lion Acquisitions XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: IL
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:
Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX {$540.00}

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 explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: LA
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 received an Investigation Report under Confirmation # XXXX from Equifax dated XXXX concerning several unauthorized Hard Inquiries on my Equifax consumer report. According to State and Federal Consumer Laws ( FCRA ) you were required to conduct a reasonable reinvestigation of the disputed information as I requested.

The disputed Hard Inquiries that lack Permissible Purpose as defined per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. XXXX  form is not sufficient as per the above sited laws. 

On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that XXXX can not only use XXXX forms to verify consumer disputes. The Court stated that XXXX forms are not deemed as a reasonable investigation as a matter of law. 

Please DELETE these unauthorized Hard Inquiries due to FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: AMERICAN HONDA FINANCE CORP
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666 B : 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 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 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Refusal to Provide Form 1099-C by Capital One Auto Finance Dear Sir/Madam, I am writing to file a formal complaint against Capital One Auto Finance regarding their refusal to provide a Form 1099-C ( Cancellation of Debt ) for a charged-off debt. This complaint is made in accordance with the authority of the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Creditor Details : Creditor : Capital One Auto Finance Account Number : XXXX Date of Charge-off : XX/XX/XXXX Despite multiple requests made through certified mail, Capital One Auto Finance has persistently refused to provide the necessary Form 1099-C. The Form 1099-C is crucial for accurate tax reporting and compliance purposes. This refusal hinders my ability to fulfill my tax obligations appropriately. 

According to the Internal Revenue Service ( IRS ), creditors are required to provide a Form 1099-C when they cancel or forgive a debt of {$600.00} or more. The creditor 's failure to provide this form not only violates tax regulations but also affects my ability to address my tax liabilities accurately. 

I respectfully request the intervention of the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) in investigating this matter. I urge you to take appropriate action against Capital One Auto Finance for their refusal to provide the Form 1099-C. Furthermore, I kindly request your assistance in compelling the creditor to provide the required tax documentation promptly. Alternatively, I request that the charged-off debt be removed from my credit report due to the creditor 's non-compliance. 

Enclosed with this letter, please find copies of the certified mail receipts as evidence of my attempts to obtain the Form 1099-C. 

Thank you for your attention to this matter. I anticipate a prompt response and a resolution to this issue. Please do not hesitate to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX : Internal Revenue Service ( IRS ). " Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have tried several times to fix this XXXX XXXX XXXX  account XXXX My credit report attached is still showing inaccurate information between the three different bureau. Date of last activity, Closed date, payment history, date of first dilinquency are all incorrect. Please fix. XXXX XXXX XXXX XXXX XXXX XXXX. Attached proof of inaccuracy on my credit report.

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 2023-06-14
Company: EQUIFAX, INC.
State: SC
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 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 response to consumer: Closed with non-monetary relief