BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: MI
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:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax, XXXX XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This is the second attempt to get the requested information from the XXXX letters sent to Equifax. PLEASE SEND THE REQUESTED INFORMATION OR DELETE THIS ACCOUNT FROM MY NAME/ CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TD Auto account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. Td Auto has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from TD Auto Finance and is requesting my credit report to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I refinanced my three properties with XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Primary XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - Mother-in-law home XXXX XXXX XXXX Ter. XXXX XXXX, FL XXXX home The Mortgage officer informed me the only way they would do the loan is if they bundle the three properties under one mortgage and that the loan would have to be under my company name. 

Because my wife had XXXX and we were needing the funds we took a {$630000.00} across the three properties which at the time were worth {$1.00} XXXX It was supposed to be a temporary loan for 2-years and then they said I could refinance with a conventional mortgage afterward, but if I needed it for my family I would have to do this. 

In XXXX of that year, Mr. Cooper sent notice they were servicing the loan. 

The pandemic hit us like so many people and I reached out to request a forbearance or assistance from Mr. Cooper. They told me I needed to go BACK to XXXX who originated the loan. I spoke to the individual and they said they would put through the forbearance. 

in XXXX of XXXX, I received notice XXXX XXXX  was beginning Foreclosure on the properties. When I contacted them, they stated XXXX did not place the forbearance at all and because the loan is against the three properties I wouldn't be eligible. 

Unluckily the pandemic slowed everything down as I franticly looked for a solution. 

I was eligible at the time for refinance but was told that I couldn't because 1, The properties couldn't be separated 2. The Lis Pendandt needed to be released by the lender to do so. 

I attempted to sell one of the properties but I couldn't separate the properties After speaking to XXXX again to assist me, they refused and said the case was transferred to Mr. Cooper. When I called Mr. Cooper they stated they said they couldn't help me because they were just servicing the loan and I needed to speak to XXXX I was nervous to lose my property so I contacted Loan Lawyers in XXXX XXXX to help. 

They Began the process of giving me time to find a solution, but the issue with the list pendant is an issue. I also noticed the mortgage did not appear on my credit report which causes other issues with home lenders. 

I was finally able to attempt to secure a loan to payoff and start fresh with a private lender, but the gentlemen died of XXXX recently and I was unable to continue the issue Loan Lawyers had a few hearings and now there is a hearing on XX/XX/XXXX for judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My due date for my TJX credit card is the XXXX of every month. Since most of my bills are due on the XXXX, I requested a due date change to keep in line with my other bills. The change was requested on XX/XX/XXXX I believe. Prior to the change request, I was told the changes would take effect the next billing cycle which I understood to mean I would get my next bill XX/XX/XXXX ( the statement closing date is the XXXX of every month ). I continually checked my account looking for my XXXX statement, there wasn't one. I contacted the company asking why I didn't have a XXXX statement ( my current statement balance is over {$2400.00} ) and I was told my next bill won't be until XX/XX/XXXX! 

I advised that would make my statement balance too high for me to pay as I would have gone a whole month without a bill and this is my primary credit card. The representative advised me due to the change, I would not be receiving a bill until the change takes effect. I have almost always paid my statement balance in order to avoid paying interest and not having a bill for a whole month as this is my primary CC would mean I wouldn't be able to Pay the next statement balance. The company was not helpful.

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 2023-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim with Bank of America about dispute an XXXX transaction and I told them I dont authorize this transaction And I have paper say my phone was hack And they deposited my money back into my account but after one week they put my account minus - {$10000.00} I mean they charged me the whole amount they was deposited into my account and my account balance now still ( - {$10000.00} ) So Im tired fix this with my bank and I really need help Please help me out Thank you so much!!

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 2023-07-23
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX and : XXXX XXXX XXXX XXXX # XXXX have 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 an 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 2022-03-04
Company: Experian Information Solutions Inc.
State: WI
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX, I sent my FTC report and license to XXXX, XXXX, and TransUnion. I am following to correct steps to report identity theft. I have fraudulent accounts reporting on my consumer 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 2023-07-23
Company: EQUIFAX, INC.
State: SC
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 accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
After multiple CFPB complaints, identity theft reports, cease and desist letters, Portfolio recovery associates is refusing to heed to ANY lawful command and acts as if they are above the law and do not have to abide by any laws set forth. 

I have received several restricted phone calls from them. As soon as i answer that i have a cease and desist order, they hang up. 

I received a call from XXXX today at XXXX from XXXX XXXX . Once i mentioned a cease and desist he wanted to place me on hold. This is unacceptable. 

ALL accounts with PORTFOLIO RECOVERY are to be removed immediately. 


I am also requesting {$1000.00} per phone call, as well as {$5000.00} for the time, resources, and anguish all this has caused. 


I am not going to go through putting all Previous communications below. FIND THEM YOURSELF. 

My next step is a police report for aggravated identity theft, fraud, and harassment as well as with the attorney general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: OH
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 have contacted all three bureaus several times regarding an account with XXXX that is reporting improperly. There are inaccuracies with the date opened, last payment date and date last active. The bureaus have updated my accounts several times but have not fixed the inaccuracies.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: MA
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 writing to submit a formal complaint against Experian regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Experian to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXXL XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} The following account was never late, and I request Experian to remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is not mine, and I request Experian to remove it from my credit report. 

Account Name : XXXX XXXX ( Duplicate Account ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5700.00} This is a duplicate entry of the above-mentioned XXXX XXXX account. I urge Experian to remove this duplicate account from my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.

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 2023-07-23
Company: EQUIFAX, 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:
On XX/XX/23 i submitted a dispute to all three credit reporting agency with no response, on XX/XX/23 i submitted my XXXX letter with no response, on XX/XX/23 i submitted a complaint and all three credit reporting agencies stating they verified the inaccurate information and never sent me an updated report, on XX/XX/23 i filed an FTC report and mailed to all three credit reporting agencies with no response, this has been an ongoing issue, as i am a victim of identity theft. there are mispelled names that do not belong to and addresses i never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Factor Trust
State: OH
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:
Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. Furthermore, as you can see from the information above, your agency 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. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, 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:
I am writing to you and attaching the court report proving that these accounts are not mine. I do not have anything in common with these accounts and its identity theft. Remove them please ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: VA
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2022-05-05
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Report Act SCA Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states that 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 2023-06-05
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-06-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation