BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXX/XX/XXXX {$120.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Said they were XXXX XXXX. XX/XX/XXXX They could not give me adequate info on a debt. Called HSBC as instructed by XXXX and they have nothing on file for me. HSBC said to ask them to validate the debt. XXXX can not validate the debt other than a charge off date ( XXXX ) and last 4 of the card. After speaking with Mrs. XXXX ( after they called at XXXX ) several times on XX/XX/XXXX. she sent my file to " fraud ''. 
They called me again on XX/XX/XXXX robo message left om my phone, XX/XX/XXXX they called me again with no message left. XXXX another man calls me and is very abusive yelling at me that i don't understand what mediation is and he is trying to help me. He keeps saying that they are mediators, he would never admit that they are a collection agency, which is against the law! I requested him to mail me something and he said " why would I waste my time mailing you something if you don't agree to my help '' He yelled the entire time, said that " THEY '' are going to put a judgment against you and put this back on your credit and garnish your wages, then he backtracked and said that they can't garnish in my state. I asked for his supervisor and he said " what part of " director '' don't you understand in my title! I am the supervisor!! He hung up on me and I called him back. Told him that my only goal is to get information to validate the debt because i knew nothing about it. He accused me of lying saying it's been on my credit report. And that I would have to file a police report to dispute it, but no one is going to believe me in the court of law. I placed my complaint on XXXX with what my complaint was. They called called me today and said that it sounded like this debt collection agency purchased a really old file and they are trying to get folks to pay for things that are not even active any longer. XX/XX/XXXX I called back ( XXXX XXXX  ) today on the first numberXXXX as the number from the man was not good ( XXXX ) I got Mrs. XXXX and informed her I was recording the call. Asked her to validate the name of her company ( 4 times ), she kept saying hold on, hold on ... .I said that's a very simple request ... ..she then said " XXXX XXXX and I do not give you permission to record this call ''. Bottom line, I did have an HSBC card that was included in a bankruptcy over XX/XX/XXXX years ago, so this should never be coming up and I should not be getting any calls from anyone. Told them never to call me again and she responded that she would let the case manager know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: EQUIFAX, INC.
State: OK
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 my formal response to Equifax, demanding they remove fraudulent items from my credit report. XXXX, XXXX XXXX Equifax received a formal complaint through certified mail XX/XX/XXXX. 
The ID Theft Report expressed in detail how I was a victim of ID Theft, and how 4 automobiles were purchased in my name unbeknownst to me. XXXX and XXXX XXXX promptly deleted all 4 cars from credit report according to FCRA code 605b ( 15 U.S.C.1 681 c-2 ) Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of : Equifax has refused to remove ALL fraudulent items from my credit, even though Equifax has, by their own admission received my full ID Theft Report, Equifax did in fact remove one of the fraudulent cars. Yet they continue to ignore FCRA and FDCP statutes. violation of FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Their lack of communication with me is a violation of FCRA 611 ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

As I am sure Equifax is well aware, under FDCPA Section 809 ( b ), is not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR THE DISTRICT OF ARIZONA, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an account opened with Synchrony/Care Credit for medical use of medical reasons. My account was in the amount of {$10000.00} and I was set to use the credit line for a medical procedure on XX/XX/2023. I have already placed a non-refundable deposit down for the XXXX. 

On XX/XX/2023 is my pre-op appointment and that is in a couple of weeks as todays date is XX/XX/2023. At my pre-op appointment on XX/XX/2023 I am supposed to pay the balance in full. Due to Synchrony/Care Credit closing my account to inactivity as their reason, my XXXX will be cancelled along with me loosing my deposit placed on the XXXX. 

The fact is I am very hurt and disappointed about my XXXX having to be cancelled. But I am angry that I will loose my deposit and theres nothing that I can do about it. 

Please help me, as I would rather have the credit line re-opened to have my XXXX next month. 

Regards, 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 explanation
Consumer complaint received 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Ocwen is holding my depreciation check for $ XXXXXXXXand I am current on my mortgage they first applied it to my mortgage I call ocwen they told me they would release it but instead I a call from an inspector for ocwen stating he need to make another inspection. This same person had done one inspection and then came out he did another one at that time he stated repairs was 90 % done and no followup would be necessary. A certification of completion was faxed to ocwen by roofer XXXX XXXX. So I want to know if ocwen has the right to hold my funds and take me back through another inspection.I feel ocwen is taking advantage of me. This is not fair to me. owcen has being a thorn in my side.

Company response to consumer: Closed
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN THIS DOES BELONG TO ME. I NEED HELP TO GET THIS REMOVED FROM MY CREDIT. I NEED HELP. THEY ARE BOTHERING ME, THEY DONT STOP CALLING WHEN I SAY STOP XXXX  XXXX  Reported : XX/XX/XXXX {$700.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$180.00} XXXX  Reported : XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00}

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 explanation
Consumer complaint received 2019-03-06
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:
I contacted Experian in XX/XX/XXXX to inform them that the amount on a collection was incorrect and sent them a statement showing the balance at that time. It was never corrected. I again ATTEMPTED to file a dispute with Experian on line in which they denied my request for re-investigation stating that what was being reported was correct. I filed yet another dispute in XX/XX/XXXX, providing documentation that TWO collection accounts were paid in full and requesting that one be removed in that it was past the 7 year mark. They were NEVER removed nor where the balances updated to show them as paid. 

I further have asked multiple times to have a validation of a debt on a third collection agency. I contacted the Collection Agency and requested validation of a debt which they have refused to provide. I contacted the alleged original creditor and they have no record of any outstanding debt, yet Experian continues to report this debt even after I have asked to have an investigation. I have been TURNED down for credit because of this.

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 2023-08-11
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing LLLC has been taking advantage  of me and forcing me into foreclosure, They have recently withdrew my XX/XX/2023 payment from my account and now a few days later they sent me a later stating that I am behind on my mortgage, Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. TransUnion have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2021-02-04
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a dispute letter to XXXX  in regards to a collection company named EOS CCA on XX/XX/XXXX and was delivered on XX/XX/XXXX about an account that doesn't belong to me and I never received a response in the mail and by law in the fair credit report act section 611 ( a ) Requires that a company has 30 days to do an investigation on the date of notice they receive the dispute. I never received nothing in the mail from XXXX. I repeat this account does not belong to me. Then I sent two validation of debt letters to this collection agency once on XX/XX/XXXX and was delivered XXXX XXXX. Which another 30 days went by still i've heard nothing from this company which is another violation of the fair credit reporting act. I've now sent out another letter on XX/XX/XXXX that was delivered XX/XX/XXXX to this collection company asking them to cease & desists all collection activities because they have no proof this debt belongs to me. I've sent out three different disputes to this company EOS CCA and still no response I would like for this collection to removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
XXXX and Transunion are reporting me as 30 days past due on the XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2018-05-14
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I enrolled in XXXX XXXX XXXX school in XX/XX/XXXX. It was a 3 month program and I obtained a loan through XXXX for approximately {$9000.00}. Over the years I have made payments or received deferments during periods of unemployment. Last year I received a deferment based on a health related financial hardship. During the last year, XXXX obtained my debt from XXXX and then Navient obtained it from XXXX. The payments they are asking from me are double what I was paying a year ago. The amount of the debt is 4 times the amount I borrowed nearly 30 years ago. I can not financially afford such a payment and they will not fairly cooperate with me in lowering the payment. In addition to my living expenses, a car loan and debt I incurred during a lengthy hospital stay, my financial obligations are already surmounting, making my finances very tight. I also have serious questions about the loan date listed by Navient of XX/XX/XXXX. My original loan was dated in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I did a volunteer repossession of a vehicle that I was to purchase around about XX/XX/XXXX. The company Santander Consumer USA sent a letter informing me that they were going to sell the vehicle as a private sale on or about XX/XX/XXXX. I decided to start getting my credit in order and saw that Santander Consumer USA reported me to all XXXX of the major Credit Bureau as owing {$15000.00}. I went into this loan agreement in XX/XX/XXXX for that amount. I sent notice to all 3 credit reporting agency and to Santander Consumer USA to have it removed from my credit report on XX/XX/XXXX. I was told by all 3 credit reporting agency that they verified that account belongs to me, and will not remove the derogatory remark. I after not receiving any response from Santander Consumer USA I sent a second letter on XX/XX/XXXX to all 3 credit reporting agency and Santander Consumer USA send me a copy of a contract bearing my signature and, I received nothing from Santander Consumer USA again. I received once again a letter from all 3 credit reporting agency stating this is my account. I then sent a third letter on XX/XX/XXXX giving them 15 days to send me proof of what Santander Consumer USA sent them to prove this is my account. I received nothing again. So, I sent a letter to Santander Consumer USA asking them to send me what they sent to the credit reporting agency, once again they failed to respond. I have tried my best to get this resolved but Santander Consumer USA refuses to speak or open a line of communication with me. My last and final attempt before contacting you was a letter sent to Santander Consumer USA on XX/XX/XXXX was to provide me proof of the sale and the amount once again no response. I see that on XX/XX/XXXX Santander Consumer USA charge-off my account then on XX/XX/XXXX the amount was {$11000.00} they continue to add the payment amount of {$420.00} each month unit they got to the amount of {$15000.00} my question how is that possible when you have already charged my account off?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
I have reached out to the company concerning the late payments listed on my report. I was told by a representative that during the months that my payments were deferred due to COVID 19 I would not receive any late payments. The creditor failed to hold up to the deferment contract that i signed and have violated my rights. Please update and remove the late payments that are listed for the months during COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
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 non-monetary relief