BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you 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, XXXX and I'm including it again. 
XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$4000.00}

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 2021-12-28
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Flagstar is not following the FHA Covid 19 Loan Modification guidelines. According to FHA guidelines, the target new mortgage payment, principal and interest should be reduced by 25 % to assist families to avoid foreclosure. Instead, I received a reduction of 40 .

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 2023-11-10
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$2400.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$8600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-05-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made an initial mistake and the next day tried to rectify it. The collection agency for RP Funding doesn't accept electronic payment and the check had not been received 12 days later. After several phone calls, I agreed to go to their website and pay ELECTRONICALLY. This was not accepted because " they were unable to locate my loan. '' I have since paid all bills electronically including XXXX. Letters have been sent to RP Funding ( certified, return receipt ), XXXX, XXXX and XXXX disputing this. I want my excellent rating returned. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: NCB Management Services Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In 2013 this vehicle was charged off. And I have the proof. It's only showing on two credit bureau and it should be on all three

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX XXXX XXXX {$50.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXXXXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXX XXXX {$880.00}, Opened XXXX XXXX XXXX 


XXXX XXXX XXXX {$4000.00}, Opened XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2021-12-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : 1. ) Identity Theft I C SYSTEM ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX This is not mine. 

XXXX. ) XXXX XXXX  XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX This is not mine. 

XXXX. ) Identity Theft I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX This is not mine. 

XXXX. ) Identity Theft ( XXXX XXXX : ) Account : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
i got a title loan around covid time now the title company is not doing titles any more they are trying make me go to another loan company to get them to buy my title from them back and thats putting me in bigger debt i cant afford it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Contacted Transunion to put a credit freeze on my report for a fraudulent hard inquiry at XXXX on XX/XX/23 we were unable to resolve the issue in a satisfactory manor. 
My credit report as illegally accessed by 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 explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 non-monetary relief
Consumer complaint received 2019-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have two credit cards with Capital One, a VISA and a MC.

One card has a balance and the other has a {$0.00} balance.

I paid about {$790.00} on the card with a balance, then thinking I had not paid the monthly payment I went to my bank web bill pay site and paid {$1900.00} on my Capital One account, but it was the wrong card.

When I realized I had a credit of {$1900.00} on the card with a {$0.00} balance, I asked for and was told I would receive a check in 7-10 business days.

When the check did not arrive I contacted them again and was told I had to wait an entire billing cycle before they would issues a check which should arrive 7-10 business days after that. 

XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
After viewing my credit report I noticed negative items in there the accounts I am referring are listed below.

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 2022-06-14
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
After viewing my credit report I noticed negative items in there the accounts I am referring are listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to file a complaint regarding inaccurate and unlawful credit reporting by XXXX, Equifax, and XXXX. These credit bureaus are incorrectly reporting five bankruptcy cases on my credit report that do not belong to me : XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX Over the years, I have disputed these cases multiple times in writing and by phone with the credit bureaus. However, they have failed to remove them, even though the U.S. Bankruptcy Court confirmed in writing that they do not report bankruptcies to credit bureaus ( letter attached ). Therefore, these accounts are being reported inaccurately and should be deleted. 

By reporting adverse information without my consent, the credit bureaus are violating 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which states that " 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. '' Additionally, 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures designed to avoid violations. '' By not maintaining reasonable procedures to avoid false reporting, XXXX, Equifax and XXXX are clearly violating this code. 

I kindly request the CFPB 's assistance in compelling XXXX, Equifax and XXXX to permanently remove these inaccurate and unlawful accounts from my credit report. Their continued false reporting has damaged my credit. Please contact me if any additional information is needed. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
After months of dealing with this bank refusing to communicate, then finally having them pay me the bonus they owed me, they took {$48.00} dollars out of my bonus check for fees the accrued while illegally not closing my account after being asked to... they sent me a check that removed those fees from the balance before paying so no balance remained .... their collections department is now sending me paperwork in an attempt to collect a debt they do not legally have any right to, nor is it even owed. 

This bank must cease and desist all communication with me henceforth or shall be taken to civil court.

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 2021-12-28
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:
My complaint is in connection with XXXX XXXX XXXX XXXX reporting fraudulent information on my credit report and Experian failing to investigate this matter. XXXX XXXX XXXX XXXX has sent me all the paperwork in connection with this fraudulent account. There is no form amongst this paperwork disclosing the opportunity to Opt Out. This alleged account is in connection to a car purchase transaction. According 15 USC 6802, there should have been a disclosure with the option to Opt Out. A financial institution such as XXXX XXXX can not disclose nonpublic personal information without first providing a consumer notice that complies with 15 USC 6802. I never received this Opt Out notice. I can tell you if I ever had the opportunity to fill out this document I would have because this company has been a nightmare to communicate with. I have lost wages due to this illegal activity and been denied credit. XXXX XXXX is currently committing aggravated identity fraud as defined in 18 USC 1028A. Experian is reporting this fraudulent account on my credit report despite multiple attempts to dispute the legality if this account being there. Both companies are committing aggravated identity fraud against me. 

The Account : XXXX XXXX XXXX Account Number : 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 2021-12-06
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I bought a car from XXXX consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against XXXX consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with XXXX consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to XXXX consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to XXXX consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop XXXX points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on XXXX  XXXX  they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.

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 2023-11-09
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 writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: EdFinancial Services
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Greetings. Prior to the pandemic, I was owing {$160000.00} ( XXXX principal and {$15000.00} interest ) in my student loan. I made payment towards my loan during XXXX. The total amount paid totaled about {$78000.00}, leaving me with a balance of {$84000.00}. Due to recent financial difficulties I requested the money be refunded to me as prescribed by the cares act. This occurred sometime around XX/XX/2023 when I was still with Ed financial. The agent I spoke to confirmed my request and said she processed it. She informed me that it will take about 60 days to receive my check in the mail. Shortly after this, I noticed my loan amount had increased back to the previous amount of {$160000.00}, which makes sense as I had requested the payment originally made be refunded to me. 

On XX/XX/XXXX my loan servicer was then switched to XXXX. After the 60 days had elapsed and I had not received my check in the mail as expected, I reached out to XXXX who could not see that I made payments during COVID and that I had requested a refund either. All they could see on their end was that I owe {$160000.00} ( No mention of the {$78000.00} paid prior or refund request that was supposedly submitted ). Because they have no history of my previous payment, they are unable to make any refund request on my behalf. I called Ed financial, and they said they requested the refund, but they are unable to tell me the status of my refund request or what was delaying the check. I even logged into studentaid.gov website which show my previous payment of {$78000.00}, but make no mention of the refund request and reports a balance of {$160000.00} ( Which inaccurately insinuates that my pre pandemic total loan is XXXX + XXXX ). 

It seems like the money I paid towards my student loan has been erased because I have not received my check as requested and my loan balance has returned to the pre-payment amount and no one is able or willing to tell me where my money/ refund is. I keep getting the run around. XXXX is unable to help me because they do not have the full record and Ed financial is giving me the run around. I tried calling the department of Finance, but unable to get a hold of a human on the phone in order to discuss my situation. Can you please assist me by figuring out if my refund was actually and accurately submitted to the department of education. If it was, I need to figure out where and when my refund will be sent to me. If it was not, I need the application resubmitted or have my loan amount updated to {$84000.00} instead of {$160000.00} to reflect payment already made since they are not refunding my payment.

Company response to consumer: Closed with explanation