BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On ( XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2022-07-26
Company: EQUIFAX, INC.
State: MD
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:
I disputed something with the credit reporting agency, after 30 days they did not remove it which is in violation of code US code 15 USC Sec. 1681i ( a ). 


I want this information deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: VA
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  Account # XXXX XXXX XXXX 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

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 2022-03-30
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the settled debt in full but the company is giving me the run around on sending me a receipt that I can provide to the original debtor so I can have the vehicle title released. 

They send me to a " receipt hotline '' to leave a message and I have done so. From there they should email me or snail mail me the receipt but there seems to be a problem with the email address ( they keep misspelling it ) or I am unable to talk to someone that can give me any information at all. 

At this time the receipt is supposedly being re-sent because they made a mistake in the address. They are unable to tell me how long this will take and have no way to expedite the process. 

Date Settled XX/XX/XXXX Date Paid XX/XX/XXXX Amount Settled {$1200.00} Contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX so far

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Early Warning Services, LLC
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 sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in CRA violating my federally protected consumer rights. Additionally, I did NOT give CRA written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. I was the victim of a scam and I'm still having trouble because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Kikoff 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' KIKOFF LENDING LLC Reported : XXXX. XXXX, XXXX - {$40.00} Needs Attention Overview You're currently using 5 % of your account 's limit. 

Balance {$40.00} Credit limit XXXX XXXX Monthly payment {$5.00} Opened XXXX XXXX, XXXX ( 7 mos ) Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Amount past due {$5.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Charge Account Responsibility Individual Account.

Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX per my instruction my payroll was direct deposited into my cousin 's account, my name is not on the account. Although I was able to access previous payroll funds direct deposited to this account, Capital One placed a hold on the funds mentioned above, due to suspected fraud. 

Both myself and my cousin, presented ourselves and our respective valid IDs to a branch location, to show proof of ownership of the account and the funds. However, Capital One still refused to release the funds and refused to communicate directly with us with the exception of advising us they would only release the funds to my employer. 

My employer XXXX XXXX intervened and tried to get the funds sent back to them so that they could cut me a paper check. XXXX XXXX has made multiple attempts to fix this issue with Capital One, without success. 

It has now been over 6 weeks ( more than enough time to conduct a fraud investigation, especially since all parties involve are trying to work with Capital One ), with no notable progress. As of XX/XX/2018, Capital is still refusing to release MY funds to me, my cousin or XXXX XXXX. Their latest roadblock is to advise XXXX XXXX, the funds are in use and can not be released. For the record, Capital One continues to block my access to the funds and refuse to speak directly to me about the situation. The number I was provided ( XXXX ) merely transfers me to a messenger system, where after dozens of messages, I have never received a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX bank card account # XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information.

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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: Account information incorrect

Complaint:
Experian is reporting 6 accounts that I have no dealings no contract and no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all collection accounts

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 2018-03-13
Company: National Enterprise Systems, Inc.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
National Enterprises System has been calling me multiple times a day and even called a distant relative in another state looking for me. I want nothing to do with them and my student loan debt. They cal from different phone numbers and sometimes unknown numbers, but all the calls are the same company.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I received your response Last XX/XX/XXXX that you need my updated email address which is XXXX I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Accounts : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint and I'm including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This account i tried numerous time to settle debt and the company never fulfills their end. Many times they told me to make a payment and my total debt shown will be decreased and nothing so far. Im not sure if this is something that company says to collect money but Im tired of calling and trying to settle with broken promises on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the settled debt in full but the company is giving me the run around on sending me a receipt that I can provide to the original debtor so I can have the vehicle title released. 

They send me to a " receipt hotline '' to leave a message and I have done so. From there they should email me or snail mail me the receipt but there seems to be a problem with the email address ( they keep misspelling it ) or I am unable to talk to someone that can give me any information at all. 

At this time the receipt is supposedly being re-sent because they made a mistake in the address. They are unable to tell me how long this will take and have no way to expedite the process. 

Date Settled XX/XX/XXXX Date Paid XX/XX/XXXX Amount Settled {$1200.00} Contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX so far

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to dispute the amounts on our Loan Modification with  Chase, which was dated XX/XX/XXXX. Our original Mortgage, dated XX/XX/XXXX began with an original unpaid principal balance of {$86000.00}. The Loan Modification recites an unpaid principal balance of # XXXX and an additional {$29000.00} with a new unpaid principal balance of {$110000.00}. I have requested information from Chase Specifically, 1 ) What was the original unpaid principal balance when the Loan Modification was written.

2 ) How the new unpaid principal balance was calculated and or adjusted 3 ) How the additional adjustments were calculated and what they comprised of. 

I have requested copies of mortgage statements 3 years prior the the modification so that I can see the unpaid principal balance. Their response only consists of statements which I do not understand and work off of the current unpaid principal balance, NOT FROM THE ORIGINAL MORTGAGE. Our mortgage was 16 years old when this modification was written and the new unpaid principal balance incurred over an additional {$30000.00} in adjustments! 

I feel as though we were victimized by Chase and taken advantage of during our financial distress. This modification was written during a time when thousands of foreclosures were being penned through with unfair practices and fraudulently inflated expenses.

We feel as though the amounts on the Loan Modification are unjust and overly inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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: Information belongs to someone else

Complaint:
Informed fraudulent account I was the victim of identity thief, a long with each credit report agency starting back in XXXX of 2017. I since then have sent out FTC reports, and still account are coming back verified.

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 2023-05-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My FHA mortgage qualifies for a loan assumption. I applied for a loan assumption through my lender as required per my divorce terms. The divorce terms state, I have six months ( from XX/XX/XXXX ) to assume the loan in my name only, refinance, or sell the home. 

I provided proof that I have made my mortgage payments via my own funds for the last year. The purpose of the assumption is to remove the co-borrower from the loan, who has never made a payment to the mortgage. After submitting all requested documents including : six months of bank statements ( proof of income source ), final divorce decree and supporting documents, and co-borrower 's consent and signatures, the underwriter denied the assumption due to the following : *XXXX XXXX and XX/XX/XXXX payments were not made in the month it was due but neither payment was more than 30 days late ( NOT reported to Credit Reporting Agency XXXX and the late fees were paid by me. 
*a late payment in XX/XX/XXXX -- I disputed the " late payment '' ( after three attempts to make my mortgage payment through the Lender 's mobile APP, Website, and customer service representative ) via the CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX then determined that the late payment was not my fault or theirs. The payment reporting history was amended and updated as " information not available ''. 

My current mortgage APR is at 3.5 % which is significantly lower than the current market rate. Lakeview would benefit significantly if the loan were refinanced or sold at the current XXXX market rate. If I am forced to sell my home and purchase a new home, today 's housing market prices would destroy me financially.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received notification from TransUnion there was a hard inquiry XX/XX/22 from XXXX XXXX XXXX I did not apply for credit with this company and want this fraudulent inquiry removed. I received an offer in the mail after this inquiry shows, Offer says " accept your offer at XXXX personal offer code XXXX. I never responded applied or gave my permission to run my credit. This a violation of FCRA.

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 2020-05-14
Company: Aqua Finance, 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: Information belongs to someone else

Complaint:
This is not my account. Please provide a Validation of Debt, Method of verification, and the original instrument of indebtedness.

Company response to consumer: Closed with explanation