BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX,XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX  XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. 

They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. 

I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent.

They will not stop and I need you to avail your assistance. 

I have a letter from the XXXX  XXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.

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 2023-05-13
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:
good afternoon dear agency, someone stole my documents and opened several accounts in my name, but this person was unable to use the credits he opened in my name.Please remove them inquiries on my credit

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : XX/XX/XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-03-10
Company: Southwest Recovery Services, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for.6 purpose.

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reported fraud to the ftc on XX/XX/2023 on accounts XXXX XXXX XXXX XXXXXXXX XXXX And inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FI

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 2021-11-03
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received a debt collection report to my credit score from a compnay called Credit Management LP. So, it says that the original creditor is a company called XXXX XXXX in Texas. I have never been in TX. 

I dont know why is this report on my account. then, I called to Credit mamagement to get copy of the invoice and they said " that they are not longer holding that account '' I should contact XXXX '' but, the report still on my credit report. Then, I called XXXX requesting copy of the Invoice of the service and I have not received anything yet. All they told me is that was " a Service in TX '' So, it shows perfectly that it is a fraud affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was looking over my credit reports and I found the information below to be incorrect. Please make corrections because these inaccuracies need to be corrected asap. 
In Accordance With the Fair Credit Reporting Act the information listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXXY XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Phone Number : ( XXXX ) XXXX, ( XXXX ) XXXX. Correct Phone Number : ( XXXX ) XXXX. Incorrect SSN : XXXX. Correct SSN : XXXX. This information on my credit reports is in violation of my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX, Account name : # XXXX XXXX Account name : # XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Chapters

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 2023-03-13
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Village Capitol has not analyzed my account since XXXX. As a result, the XXXX analysis shows a LARGE shortage. I have called a few times requesting the shortage be spread over 60 months so that I can afford the payment and that I may come up with a plan to allocate additional funds to escrow, when available. I have made this request well before the higher payment would be due. Twice now I have been promised I would receive a call/answer within 5 days. Unfortunately, this was an empty promise. 

The request made is a reasonable one and is practiced industry wide to avoid delinquency and foreclosure. The projected escrow shortage is {$3900.00}. This caused a XXXX payment shock. In today 's financial climate, this is a SIGNAFICANT unexpected cost and at no fault of mine. The shortage would not be a great if Village Capitol would have annually analyzed my account as dictated by RESPA Guideline. 

From my perspective, not analyzing my account seems predatory in the effort of getting me to refinance my home, rolling the shortage in to the loan and giving a higher interest rate. There are check and balances in place to avoid the misses of annual analysis. Why is it that Village Capitol missed this effort?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: NC
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: OH
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:
15 USC 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, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 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, lets 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, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report 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 Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I have submitted a loss mitigation file for a loan modification. I have more then enough income to qualify and all proof has been sent. On XX/XX/XXXX I was told that my file was a full file in review and the foreclosure sale is on hold and was told to check in every 7-10 days. On XX/XX/XXXX I called and the system is down. Mr Cooper/Rushmore Servicing was hacked, automated system said call back. I tried to call back for 2 weeks. Then on XX/XX/XXXX XXXX XXXX XXXX told me that the modification was denied and as of XX/XX/XXXX they were missing HOA monthly statement then him and his supervisor said send in the HOA statement ( which was sent while on the phone ) and they will get the file opened & get the sale placed on hold since its noted on XX/XX/20 I was told its a full file. On XXXX XXXX the file was escalated to management to be opened and on XX/XX/XXXX the file was denied due to the foreclosure being within 37 days. I asked to be transferred to XXXX but the other reps bounced me around with no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Need assistance or help with Truist bank where I am not able to get any help for last two years. 
Currently I have loan with Truist Bank in loan modification since XX/XX/XXXX ; making my monthly payments on time as requested. I have been calling every month and asking for status update to get this issue resolved since this caused me lot of trouble for not able to refinance or borrow the money which I needed when the interest rate was very low last year. Have contacted multiple times via emails, phone and other ways to get this issue address. Only the response I get from client service rep that your loan in modification and we will contact you. This is going on for last two years.. Now I have been trying to get 1098 form to file IRS tax for XXXX. I did not receive any 1098 form as well called few times again, no action taken and no status update after calling multiple times for last few weeks. I would appreciate if I can get some support on this issue or guidance to get this matter resolved asap with bank. I'd appreciate very much for the help. If you need personal info about the account and details, please feel free to contact me via email : XXXX or cell : XXXX Will appreciate a lot and thanks for looking into this matter! 

Rgds, 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 2023-10-06
Company: Experian Information Solutions Inc.
State: NC
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX BalanceOwed : {$380.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: R & B Corporation of Virginia
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:
In dealing with XXXX XXXX XXXX regarding a debt of {$270.00}. I have communicated via US mail 4 times since XX/XX/2019. In which case I have repeatedly asked for information verifying the debt. The company does not respond and are now reporting as a collection/chargeoff which is damaging my cresit. Under FCRA they are falsely reportung and redusing to provide verification of the debt. 45 days lapsed between each letter with no response. Im tired of sending letters asking for verification since legally they have to respond within 30 days AND THEY HAVE NOT and still are reporting fraudulantly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation