BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX of XXXX we completed the purchase of a previoly ordered new vehicle with XXXX XXXX  in XXXX Texas. During the transaction there were several items added to the loan which were then appropriately cancelled & agreed in writing to be returned within a 6-8 week time period directly to FORD CREDIT , the loan leinholder. I have followed up 6 times ( XXXX XXXX XXXX XXXX  Twice in XX/XX/XXXX, Twice in XXXX XXXX  ) with the dealer asking for verification of resolution and have not received a clear response nor resolution. 

Additonally, I communicated with FORD CREDIT ( lienholder ) several times and they have shared that for each pending item, they still seemed to be sitting with the dealer to appropriately remit payment to them so that my principal balance & interest being paid on that amount would reflect the ~ {$10000.00} reduction. I have paid ~ {$400.00} in additional interest not including additional taxes paid at the orginal XX/XX/XXXX purchase that have also not been accounted for. 

The items that have not been able to gain resoution are as follow : AFTER MARKET WARRANTY CANCELLATION : I provided in time cancellation of after market warranties in XX/XX/XXXX working with XXXX XXXX for the warranty cancellation. Warranty company has confirmed XXXX XXXX has yet to submit the payment to XXXX XXXX but they confired it was provided to their team in XX/XX/XXXX. ( {$3700.00} ) AFTERMARKET FEE REQUIREMENT : Regarding the mandatory aftermarket fee that was charged and could not be removed to close the deal on the purchase originated XX/XX/XXXX ( Delivered in XXXX XXXX ). The XXXX XXXX team agreed to remove and refund this {$3500.00} mandatory fee. Yet to be credited. ( {$3500.00} ) {$1000.00} overage of DEPOSIT CREDIT from XX/XX/XXXX down payment to reserve reservation. This was not applied to purchase price down payment and was said to be returned to use directly via mail or direct payment to FORD CREDIT loan balance. ( {$1000.00} ) DIFFERENCE FROM ORIGINAL CONTRACT PRICE agreed to be honored as Ford changed price 6 months after original ( XXXX XXXX ) order. Ford was to return return of ( ~ {$2500.00}, w/ tax included ) We were told they would be submitting payment for these items at the latest beginning of XX/XX/XXXX and FORD CREDIT has still not received these adjustments. 

XXXX XXXX credit to FORD CREDIT i calculate as : {$10000.00} plus any applicable taxes or finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX XXXXXXXX machine from Amazon for XXXX on XX/XX/2021. The machine never arrived. I contacted Amazon several times. Finally Amazon stated that they were going to refund the money to my Amazon Credit Credit Card. I still have not received my refund. I'm still being billed for merchandise that I never received

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 monetary relief
Consumer complaint received 2020-05-06
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
Fraud going on with my credit Improper use of my credit. 
I have no authorization to the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX i have already disputed these items with the credit bureaus, but they did not remove them, nore prove validation. 

Under Sec. 602 " I have a right to privacy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it may concern, We own a home in the XXXX XXXX XXXX in XXXX MO. Wells Fargo has our loan. Last year they jacked our mortgage payment from XXXX to XXXX a month. 
We are in the middle of dealing with Covid 19. My husband started a XXXX XXXX business about 7-8 months ago. It's extremely small and we've been struggling since XXXX to get steady work. Now hardly any work is coming in from outside customers for fear of contamination. 

Today, XX/XX/2020. Wells Fargo sent another letter stating that they were raising our mortgage again from XXXX to XXXX by next month if we don't pay X amount of dollars. 
We are outraged at the indecency of this company ( a XXXX  dollar bank ) for coming at us for more money at a time like this. We are barely making it right now with all the panic and fear running rampid. 
We tried to refinances a few months ago but our business has to be in operation for 2 years before we can. 
It feels so cruel and heartless. 

Can you help us? Can you speak on ours and I'm sure others behalf to not raise mortgage on their customers during this time in our nation? 

Please and thank you. 
Sincerely, 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 2023-11-15
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/2023 To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I checked my Equifax credit report online, and noticed various INACCURATE late payments for XXXX accounts. Therefore, the following accounts must be deleted immediately : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, WI XXXX ) XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX, SD XXXX ) First, the term accurate as per the Fair Credit Reporting Act ( FCRA ) is defined as a measure of value. For something to be considered inaccurate it has to be something that is not of value to me, and that is determined by I, the consumer. Therefore, these late payments are a defamation of my character are therefore INACCURATE and Equifax is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681.

Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Clearly, exclusion means something that is not supposed to be included. The law states that : transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. 
Also, I have a simple question you shouldnt have a problem answering : Did I give you written instructions to furnish this information related to me on my consumer report? Additionally, 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( 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 have sustained defamation of my character, XXXX, stress, and loss of opportunities due to this information and I am demanding you delete the accounts referenced above from my consumer report, immediately because Equifax is in violation of the FCRA or 15 USC 1681. 


You have 7 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report. 

Sincerely, /s/ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already filed a complaint as of today, only one account was deleted from my credit report. I requested all 3 bureau 's to remove 3 accounts total that does not belong to me. They only removed 1. They updated the other two and kept them on my profile. They are aware of the identity theft and also have that note on my profile and still haven't removed the other two accounts. The other two account I need removed is from XXXX and XXXX These two accounts do not belong to me.

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 2023-11-15
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern, I am a law abiding citizen who is simply looking to get to the next phase in my life to better me and my family 's financial situation. But I am unable to due to the inaccuracies on my credit report.

FCRA law 15 U.S.C 1681 protects me from any damages and any inaccurate information on my credit report. I would like to have this situation resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft because my information was stolen during a data breach. Scammers got access to my personal information including my bank accounts. I am sure that my information was used to open fraudulent accounts and now my reputation if being tarnished with this incorrect information. I have already disputed this account and did not receive any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: American Coradius International LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received a bill from American Coradius International, a collection agency, for {$29.00} that they claim I owe XXXX. My XXXX account balance is {$0.00}. I never bought anything using XXXX for that amount of money. I contacted XXXX and they told me to ignore the letter because I do not owe XXXX any money. The bill includes a XXXX account number, but XXXX does not use account numbers. You log into XXXX using your email address, so it's obviously a bogus bill. I read of other people on the XXXX forum who received similar bills. Can't American Coradius International be forbidden by law from sending out bogus bills?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without ( a ) validation ( b ) oe any notification they were simply putting it back on and XXXX c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!

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 2023-11-14
Company: EQUIFAX, 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:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX  Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
You are being unfair and inequitable! I have received and reviewed a copy of my updated credit report and to my surprise you are still reporting an error and mistake. I am a little bit worried because as you are furnishing this information on my credit report I am also struggling to open a new line of credit. Im quite surprised as you are reporting this information because in the first place I have never given anyone from your company to furnish this information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect addresses I have disputed this address for last year and a half with credit bureaus alerting them that this is and was never my address. They keep coming back saying its verified and that can absolutely not be correct. They have no other reasoning. 
This address is inexplicable on my report and its clearly an indication of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and seen inaccurate information, I tried contacting the company and they were very disrespectful and rude and being XXXX!! I wont tolerate disrespect or inaccurate information. Please handle this matter immediately!!

15 usc 1681i ( 5 ) 15us. 1681 b ( 2 ) Please remove these inaccurate inquiries on my credit report on experian XXXX. XXXX XXXX XXXX XX/XX/23 XXXX. XXXX XXXX XXXX XX/XX/23 Remove these inquiries from my transunion XXXXXXXX XXXX XXXX Remove these inquiries from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX fed 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 explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights.

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 explanation
Consumer complaint received 2021-03-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred to a new service provider, Lakeview Loan Servicing LLC effective XX/XX/2021 XXXX loan # : XXXX ). 

I have been up to date on every single mortgage payment ( overpaying my mortgage in-fact, towards principle ) and made a regular {$2500.00} mortgage payment to my previous mortgage service provider on XX/XX/2021. The previous mortgage service provider, XXXX XXXX XXXX XXXX ( Loan # : XXXX ), received my payment and for XX/XX/XXXX and then confirmed they passed on the payment to my new service provider effective XX/XX/2021. 

However, my new mortgage service provider ( XXXX XXXX XXXX ) says they have yet to receive the XXXX mortgage payment that I paid to XXXX XXXX XXXX and has since called me every single day asking me to make the payment. I've received calls, voicemails, and letters from them to make the XXXX payment -- despite the fact that the payment was confirmed to be passed on by my previous mortgage service provider. 

Can you please track down whether Lakeview Loan Servicing LLC received my XXXX mortgage payment from my previous mortgage service provider and have them apply it against my mortgage balance please?

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