BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: TX
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2020-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 reviewed my credit report and noticed a fraudulent account that I did not authorize on my credit report and its preventing me from receiving credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries on my credit report were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I wanted to close an inactive checking account with this bank. They claimed I still had an outstanding claim with them. From almost the maximum 90 days. What do you know? They reversed the claim and tried to extort the money from me ( a fee ) in order to close this account. They also locked me out of online access to my account and I was unable to verify the details of this alleged transaction. They now have sent me to collections, with no notification, for this extortion money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
on XX/XX/23, Resurgent stated in their letter that 'Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts.Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. 

However, Resurgent didn't adhere to all state and federal law and regulations. According to the FDCPA laws debt and collection practices. And Resurgent did find evidence of wrongdoing regarding mishandlings of communication within the collections letter. They letter shouldn't have included any mention of referral to an attorney. And I advise them to refresh themselves on how to write a collection letter according to FDCPA. Resurgent doesn't have the right to rewrite the law according to how they see fit. Which is an abuse of authority. Resurgent is negligent for what they did and must be accountable to make it right. 

Recently, Resurgent sent me a letter dated on XX/XX/23, in which they didn't share with CFPB, which is predatory practice. Asking for installment payment without using a unprofessional communication tone of harassment. The contrast is very different from the original collection letter. 

This is acknowledgement that Resurgent has taken measures into consideration on how to communicate moving forward since filing a complaint with CFPB. I ask that CFPB make Resurgent aware that they violated FDCPA laws debt and collection practices. And award me for damages in regards to harassment and unprofessional communication. The contrast between both letters of communication is drasticly different from one another. This is the evidence that Resurgent reluctantly do not want to acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX my mother and grandmother purchased a home with my mother in XX/XX/XXXX my mother later died without having a will which I am also an only child. It was my understanding when I talked with my attorney that there could not be any loans on this house unless I myself signed off on the loans. In XX/XX/XXXX my grandmother was told by the same company and bank XXXX that she could put a Loan on the home which I still remained to have both her name and my mothers name on the deed to this house at XXXX XXXX  XXXX XXXX XXXX, NC XXXX. My grandmothers home was paid off in full at the time of my mothers passing. I am her only heir she was never married this loan was given and my grandmother and myself was taken advantage of One was given two loans with the same year of each other which she is unaware of the second loan all together. She has paid over {$200000.00} back for a loan her daughters death paid in full for. She had setup automatic draft payments to have this money taken out of her banking account and now Im being told on the maturity month she needs to have {$32000.00} more because she made the payments late. How would payments be made late if theyre being taken out on auto draft! Im very concerned not just for her which she is retired and have really been taken advantage of from the beginning. The loan was originally through with XXXX it has been transferred several times with the same checking account information they have drafted the money every month now that this loan last payment is transferred to bay view its been told she owes interest for having late payments I spoke with them last year about this loan and it was advised the last payment would be XX/XX/XXXX of this year. Loan number XXXX. Theres a home equity on the house the same thing occurred where my grandmother was told she didnt have to ask or get my permission on getting the loans it was hers my rights and her rights were violated. Another loan is with XXXX XXXX XXXX loan number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 DID NOT RECOGNIZE the following inquiries. As such, it is a very serious error in reporting. I asked several times Equifax and XXXX to DELETE THIS FRAUDULENT AND/OR UNRECOGNIZED HARD INQUIRIES XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX BANK XXXX, XX/XX/2023 This is a violation of 15 U.S. Code 1681i ( 5 ), Removal of Inaccurate/invalidated credit information. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Halsted Financial Services, LLC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent letters to the company about a debt that they trying to collect. Told them I do not recognize this account and I have no previous knowledge of it. And to provide me validation that this debt is mine. This agency is in violation of 15 USC 1692g and 15 USC 1681, under the truth in Lending Act USC 1602 ( g ), " credit card " is definitely Following : This makes your social security card, drivers license/ ID, and license plate. ( 2 ) EXCLUSIONS.- except as provided in paragraph ( 3 ), the term '' " does not include- ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term " credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. For the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXXXXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 2020-08-14
Company: LD Holdings Group, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2020 I sent my mortgage payment for XXXX. The first week in XXXX I received a check for {$680.00}. The letter attached said " Escrow Over Payment. '' I detached the check and still have it. I called Loandepot after a few days. They said I was late on my XXXX payment. I wasn't they sent the payment back to me. I told the representative that it was not my fault. They should have transfered the money to the new loan which is an " XXXX ''. I never would have been late if it weren't for their mistake. Now on Monday I submitted a payment to them. Over {$1100.00} to catch up for XXXX and now XXXX. They failed to take the money and have no record. I resubmitted the payment after looking at my bank account and noticed they didn't take the first payment. That was Wednesday. I asked the rep if this was going against my credit? She said they submitted a m, thirty day late letter to the credit company. Why? I told the lady you gad the money and failed to apply it to the new loan, sent me the money back late and this forced me to be late. There are two account numbers associated with this account. Now I don't know if they ever tried to call me about this mix up. However I get scam calls all the time and if they didn't use a proper loandepot number I was unable to answer the phone call. I need my credit restored and want a written apology.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXXXX/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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 had a credit card with XXXX XXXX XXXX. There was only a {$300.00} limit on the card but I still managed to rack up a {$610.00} balance due to interest and late fees. I had a past due balance ( Covid contributed to my inability to pay ), and was unable to make payments. On XX/XX/XXXX, I was able to call credit one and negotiate a settlement. I paid them XXXX that day and they agreed to waive the remaining balance which consisted of interest and late fees. It didnt reflect on my credit score so I called them and they told me first it would show my payment and then after that next cycle, it would show it is paid in full. I just received investigation results from a TransUnion dispute that states all info is accurate and there is a {$610.00} balance on my account. This is inaccurate and needs to be changed. Im working very hard to pay off my debts and improve my credit so I can buy a house for my kids and this is not helping. Thank you.

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 2022-12-20
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 a loan with CAP ONE AUTO, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAP ONE AUTO, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 non-monetary relief
Consumer complaint received 2020-08-14
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: Account information incorrect

Complaint:
I check my credit report and notice some inaccurate information. This account is stopping me from buying my dream house. This account listed below should not be in my Credit report .I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out! 

This collection account has been paid in full and should be deleted on my Credit report ; XXXX XXXX XXXX ( Original Creditor : 09 XXXX   XXXX FL ) 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 2018-05-11
Company: JPMORGAN CHASE & CO.
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:
I wrote a letter to Chase XXXX service about an unapproved inquiry I found on my credit report. I stated that I NEVER applied for an Chase credit card nor do I own a Chase credit card and can they remove this inquiry off my report. Because clearly this is fraud.. Well received an response letter date on XX/XX/18 from a XXXX XXXX XXXX XXXX XXXX  XXXX stating that " after researching the request, we found that the inquiry was valid. This inquiry was part of the process to review the application you requested on XX/XX/XXXX '' Now, like I stated before I never applied for a Chase credit card but they have chosen to ignore the fact that my complaint stated that in the beginning.

Company response to consumer: Closed with non-monetary relief