BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: LA
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 recently discovered that they cra 's are allowing furnishers to furnish information outside of the FCRA guidelines. In XXXX of this year I challenged that information and some of which was corrected. For example, I had a lot of inaccurately reporting inquires to my consumer report along with two charged off accounts. 
The consumer reporting agency reported each of the inaccurately reporting inquires but did not remove either of the accounts. 
I was even told by XXXX that they thought I was using a third party to help me fix my credit and did everything in their power to stall my progress. This has caused me great harm and financial burden. This is not fair nor equitable to me as reasonable procedures requires it to be. As I see it the cra 's and the data furnishers are the only ones benefitting from them parking this debt and not doing a valid investigation to prove it validity. 
I will attach my disputes to this complaint in hopes that they follow the guidelines but I have a consumer lawyer on standby if they refuse and I am ready to proceed to Federal Court. 
Both accounts reporting as " charge off '' status should not be reporting to my consumer report and should have been removed when I previously requested validation. These companies have lied to me in writing and told me that they have done and investigation and the " data furnisher " certified or validated the debt when 15 USC 1681 a ( e ) says that an investigative consumer report is done by conducting personal interviews with the family, friends and neighbors of the consumer reported on and does NOT INCLUDE specific factual information reported directly from the creditor of the consumer reported on but this is EXACTLY WHAT THEY ARE DOING. WILLFULLY non compliance with FEDERAL Laws as if they are above the law. This is unacceptable and a court won't second guess granting me remedy when they see the investigation results Congress has made public record of the CRA 's using predatory tactics to harm consumers. Also them not having the staff to handle the work load as well as them profiling letters by envelope, ink coloring and font and much more. The CRAs have become a nuisance and think they are above the law breaking it DAILY with 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 2022-11-02
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:
This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : - ; XXXX XX/XX/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 2018-05-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan servicer Bayview failed to prove that an alleged corp advance balance was left from the previous servicer XXXX of {$1300.00}, in addition according to loan terms these charges are not payable together with monthly payments, but at any time. Furthermore, Bayview has not rights to collect any monies from this loan. As Bayview stated in its response from my former complaint indicating that he is collecting in behalf of a XXXX XXXX that supposedly is the lender/creditor, but the mbs trust was dissolved on XX/XX/2008 and the investors were several times paid. Bayview is not the original lender neither the servicer to a loan that doesn't exist. Bayview as XXXX XXXX XXXX and XXXX XXXX have been and still are illegally collecting payments from a loan that they do not own. Bayview has not responded to my QWR and XXXX   XXXX XXXX has sent me a false fabricated mortgage note with robo signing which I'm sure also Bayview is planing to use if they finally respond to my QWR. As they did with the fabricated bills of the former so called servicer XXXX who also collected and charged a lot of money from us by playing tricks like XXXX  XXXX XXXX of stopping drafting the payments from my bank and then, charging us a lot of money in fees. Bayview had the auducity in sending today a bill of the illegal monthly payment and the so call corp advancement from XXXX calling it as, '' past due '' and payable next month as a total of {$2000.00}. I'm fed up with these people committing fraud by taking advantage of responsible elderly people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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.

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 2018-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am in the process of paying off the card but it has now been restricted unable for use, and fees continue to accumulate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2022, I signed up for a membership with XXXX XXXX XXXX XXXX for two memberships totaling XXXX a month. Beginning in XX/XX/2022 to XX/XX/2022, the company fraudulently charged by for three memberships totaling {$41.00}. Accordingly, I contacted the company to resolve the matter and provided documentation to support that I only signed up for two membership however they would not remove the third membership and refund me monies owed. 

I contacted Capital One and provided documentation to show that I was being overcharged and requested for them to refund me {$15.00} dollars. Additionally, I also told the representative to stop all future payments from XXXX XXXX because they were overcharging me. I email all documentation and Capital One refunded me the {$15.00} dollars. However, the representative did not put a stop payment requested and allowed my account to be billed another month after I filed initial claims. XXXX initially credited by account for the {$41.00} but XXXX XXXX provided documentation to show I authorized the charge. Capital One has failed to properly research my claims and authorized another charge when I clearly told the representative to stop all future payments because I was being over charged in violation of my consumer protection rights. I Requesting of Capital One to credit my account for the {$41.00} because I informed the company timely to stop al future payments due to over billing. It does not make any sense why the would deny my claim when my account was issued credits for the {$15.00} for overcharges. It is very clear someone is not researching and reviewing the notes nor documentation submitted for my prior claims. I am extremely frustrated with this process as my consumer protection rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Around XXXX of XXXX I entered into a mortgage forbearance plan with US Bank due to a decrease in income related to XXXX. When my forbearance plan ended last year, US Bank offered me a loan modification. After submitting the notarized loan modification forms to them several times, each time they returned the papers with vague reasons why they were unable to accept them. Finally, they said that too much time had passed and I would need to reapply for mortgage assistance, which I did. 
After several weeks they again sent out loan modification paperwork which I then took to XXXX XXXX in XXXX XXXX XXXX to be notarized. Per tracking information from XXXX, these papers were received on XXXX, XX/XX/XXXX. On XX/XX/XXXX I received another packet from US Bank with a letter stating that they could not accept my paperwork and new loan modification paperwork to complete by XX/XX/XXXX. Today at XXXX XXXX my wife and I called US Bank to speak with a loan modification employee regarding why they could not accept the papers that were sent to them ( yet again ). The employee named " XXXX '' ( unsure if spelled exactly correct ) stated that it was either due to the notary not signing a paper, or that I signed in print ( I am unable to sign in cursive ). He was unable or unwilling to tell me what paper the notary did not sign correctly, and also stated that the loan modification forms MUST be signed in cursive even though I do not know how to write in cursive, and my initial mortgage papers were signed in print without an issue. 
At this point I am VERY concerned that I may lose my home to foreclosure due to the constant refusal of US Bank to accept notarized paperwork. Every time the papers are submitted, there are different excuses why they are unable to accept them. Please help!

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-10-31
Company: EQUIFAX, INC.
State: MO
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 am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. 

On XX/XX/, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. 

Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: MS
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:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, XXXX and Equifax are in violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  XXXX XXXX put a fraudulent credit card on all credit reports the credit card was paid and up to date with a {$27.00} late charge I looked at the credit report and whoever had the fraudulent account had made payments all the way up to this month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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:
CLARITY SERVICES, XXXX, EXPERIAN INFORMATION SOLUTIONS , INC, and its criminal executives such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX committed multiple crimes such as 18 U.S. Code 241, 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 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 2023-03-24
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:
In accordance with the Fair Credit Reporting act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account numbers 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 reporting containing any of the following items of information, any other adverse item, other than records of convictions of crimes which antedates the report by mote 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 believethat the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, A company that is coming up on my phone as Argon ( though I think it may be Aargon ) has called repeatedly saying they are attempting to collect a debt. I called back on XXXX XXXX and spoke with a gentleman who asked for additional information to verify that they are speaking to the person they are trying to reach ( even though my phone number brought up the account, he said ). I gave my name but would not give any additional information such as date of birth or address ( I don't give out information to people or firms I am not familiar with ). The man implied I should give him the information and sort it out as the company is calling me " incessantly. '' I called again on XXXX XXXX and spoke to someone who said her name is XXXX. She said that she needed the date of birth information to proceed. They will not tell me what the calls are concerning, so I am not sure if they are legitimate or a scam. I am not aware of any accounts that would seek collection, and I am current on all of my bills, to the best of my knowledge. 

The calls have agitated me, and are causing XXXX. I don't think I deserve to be harassed by a company I have never heard of, perhaps for no reason. Can you help? Thank you. 

The phone number they called from is XXXX. Their website says they are a debt collection agency based in Nevada. Thank you for your help.

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 2020-07-12
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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:
On Monday evening XX/XX/XXXX I was awoken @ XXXX by a loud knock on my door. My husband opened the door and was told by 2 men with a flatbed truck stating that they were here to REPOSSESS my XXXX! We called XXXX for assistance as we were well aware that my GM payments were up to date. Upon further investigation we were told that they were to pick up a XXXX XXXX XXXX. I explained to them that I returned this vehicle XX/XX/XXXX and leased a newer one. The 2 men accepted this explanation and left without incidence. 
I went to work the following morning @ XXXX after no sleep, due to this intrusion in our lives. I called XXXX XXXX later that day and was told that someone would get back to me, Later I was told the vehicle in question was actually on their lot in XXXX! I asked them to fix the situation and get my name off the vehicle. I was told that " due to covid GM is busy and delayed with all functions. '' I called again Tuesday night for update and was promised someone would get back to me on Wednesday. It is now Thursday evening and I still have no resolution to this problem. The car in question has been on their lot since XXXX, long before Covid! They apparently did not do their job properly! When will this be resolved and will I have to be checking with the credit agencies next? 


I have called both companies multiple times without resolve. now my credit is compromised. As of XX/XX/XXXX my credit # has decreased by 66 points.

Company response to consumer: Closed with non-monetary relief