BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: NV
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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the item that is UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claim? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX, XXXX XXXX, XXXX Diamond XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}.

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 2023-01-25
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: Reporting company used your report improperly

Complaint:
Credit score dropped XXXX XXXX points, with no justified explanation, as stated in last complaint and still hasn't been address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XX/XX/2020 I filed a complaint about inaccurate information on my credit report. There were unauthorized accounts and unrecognized accounts.These inaccurate items need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: TN
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:
US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On my TransUnion Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months due to inaccuracies and incompleteness. First, despite three certified validation letters to PRA, they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report? As for the TransUnion credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to TransUnion regarding inaccuracies and incompleteness requesting corrections and deletion of the account but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent TransUnion credit report ( Dated XX/XX/2023 ) as evidence of these FCRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine when this account will fall off the report. The report is also missing the Accounts Charge Off Amount, the Close Date and, unbelievably, the whole Payment History! All of these inaccuraces and incomplete reporting are FCRA 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 non-monetary relief
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX I sent Equifax a certified letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded by mail stating XXXX had verified this information for them but failed to add a verification date to their report as required by the FCRA. I then went directly to XXXX to dispute this item. They could not verify this item so they deleted it from their data base and my credit file. I then sent XXXX ( please see attachments ) another certified letter on XX/XX/XXXX which they received around XX/XX/XXXX XXXX showing them proof that XXXX XXXX their identified source, ( see attached documents ) had removed the unverified bankruptcy from my report and informing them that if they could not truthfully and thoroughly verify the alleged bankruptcy, then by law it must be removed from my credit report according to the FCRA XXXX On XX/XX/XXXX I received a letter from Equifax ( please see attachment ) still insisting XXXX was the source of their verification even though I had shown them proof XXXX invalidated their information. Furthermore, once again their alleged reinvestigation DOES NOT show a verification date because they DID NOT do a thorough reinvestigation - another clear violation of the FCRA. 
This unverified item needs to be removed from my credit report immediately as it is illegally reporting and causing me financial hardship and impeding my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I fell that it goes against my privacy as a customer of any financial institution to up and pull my credit report which harms my credit for no apparent reason. Synchrony Bank/ Belk is one of the worst banks to do this and they should not be allowed to pull my credit without me knowing it. I have plenty of issues with my credit without them continuously pulling my credit report and changing my credit limit more often than not. 
They gave me the credit line in the beginning which started out like at XXXX and I ahve had the account for several years and somewhere along the long because of my impeccable record of not missing any payments gave me additional increases along the way which wound up being XXXX and since then I have run into some financial problems but continued to pay them and without rhyme or reason, a couple of years ago began reducing my credit line and I just found out thru XXXX XXXX not them not my statement nor any kind of written permission to pull my credit that they once again reduced my line of credit. 

Where does the customer ahve any rights? What does one thing have to do with the other? As long as they are getting their money they should not be allowed to touch my account in any fashion or form. Do I not have rights? Used to Banks did not pull these kinds of stunts and they should but the customer should have some privileges and what problems I have with another creditor should not be anything to them unless they are not getting their money can anybody help resolve the problem in general and to show you what I am talking about I will be sending you two statements from Belk which the XXXX shows I had a {$430.00} credit limit and now without notice or asking me this goes against my privacy and I am good mind to sue. Where is the privacy in this? I ahve not applied for new credit and I call them requesting them to look at my credit so is that not a violation of my privacy rights? The XXXX Statement shows a line of credit in the amount of {$320.00} and it was unbeknownst to me because I set the payment to be made on the date it is due. So I see my privacy being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I did an ACH transfer from my XXXX into my USAA account. USAA put the {$700.00} on hold without explanation or warning. This is not acceptable as pay my bills on time and need this money. I need USAA to refund any fees that are incurred as this situation was not created by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I owe Ally Financial {$2.00}, XXXX for the remainder of my vehicle loan. I paid {$210.00} and {$200.00}, because I am trying to pay the loan off, however when I checked my account It still comes up as {$2500.00} and not the reduction from the initial payment of {$2100.00} and he stated that the XXXX was forwarded to XXXX payment.

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 2022-10-02
Company: EQUIFAX, INC.
State: SC
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:
I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX XXXX XXXX account tried paying off refuse to give information bank to the run arounds XXXX   XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..XXXX, XXXX, Trans Union won't even release any of my information 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 2020-09-22
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Caliber Home Loans. The mortgage is currently 5 years and 2 months old. I had an appraisal done on my home in XXXX of 2020 that stated the home was worth {$420000.00}. Caliber Home Loans received a copy of that appraisal in XX/XX/2020 and they have it in my mortgage records right now. I currently owe {$320000.00} on the mortgage. Using these solid numbers, the current Loan To Value is 76.5 %. Per the PMI rules for my loan, the LTV must be below 80 % and the loan must be 5 years old or greater. I currently meet both of those criteria. Caliber Home Loans is telling me that I have to get another appraisal ( at my cost ) in order for them to consider removing the PMI monthly premium. 
I have called multiple times into their call center and have not been able to get anyone on the line that can answer even basic questions about PMI and what is necessary to get it removed from my mortgage. They just state repeatedly that I have to get another appraisal, which I know I do NOT need to do. 
They also do things like put me on hold for 30 minutes or more, transfer me around to others who also know nothing about PMI, and refuse to let me speak with a XXXX or anyone that can speak knowledgeably about PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Amsher Collection Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a dispute with my old cable company. They say I owe {$110.00} and I say I don't. They've turned it over to a collection agency, AmSher Collection Services, who has reported the alleged debt twice to XX/XX/XXXX, once on XXXX XXXX and once on XX/XX/2020. I called AmSher ( today- XXXX XXXX XXXX ) to ask them to remove one of the reportings and they told me that they wouldn't do it and that they can keep reporting the debt until it is resolved. Is that legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX # XXXX {$600.00} No contract with creditor you have already had this removed and it reapperared as same account under new name. 
Unauthorized inquiry XXXX XXXX V/S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
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:
I have filled out a financial hardship form and explained my situation with the company. I sent it via fax XX/XX/2018. On today XX/XX/2018 I got notification that Penfed pulled my credit report without my authorization. They are further damaging my credit by adding a hard inquiry. This company needs to be stopped. I do not want to be contacted by phone any longer as they call excessively.

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 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have been disputing my collections accounts with Transunion for almost seven months now and haven't many results or communication from them. I'm just trying to get things removed so I can improve my score and put my family in a better position in life. I will all letters sent to them so they can see the history I have of mailing them ...

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 2019-05-10
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent validation letters to this company and all they send .is an itemized bill/statement with no contract or paperwork bearing my signature. Plus, they refuse to send any paperwork with a HIPPA release letter. This is being reported on ALL my credit reports in a negative/derogatory way and I would like it removed immediately.. 

File # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I mistaking overlayed my truck payment on XX/XX/2018 causing it to be played off. I normally make my payment every month the same way with the same application. However after processing the payment I realized it played XXXX on the truck. I immediately called to stop payment but the bank told me they were not able to. The banker claimed she applied a request to reverse the payment. I called the bank every day to verify the process was going smoothly and every banker I spoke to has a different story. This morning a banker claims the loan account is closed and there original request for reversal was denied by the bank on Monday. I tried reaching out to my branch but the women in there claim the manager will call me back but do nothing.

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 2019-11-08
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My automobile loan was paid in full in XX/XX/XXXX and to this day I have not received my payoff acknowledgement. I had been paying through my bankruptcy so this resulted in an overpayment to Santander, the lender. I called Santander in XX/XX/XXXX to see when I could expect my refund. I don't know their reasoning but I was told it would be mailed out in XX/XX/XXXX. XX/XX/XXXX I called and spoke to a guy who was a bit nasty in his attitude and unconcerned about my issue. He indicated the payment was sent out on the XX/XX/XXXX. I called back on XX/XX/XXXX to advise I still had not received my refund. At that time I was advised payment had not been sent out. The person handling the call this time did at least express concern an a willingness to help get the issue resolved and get my payment and payoff letter sent. My concern is after waiting almost 2 months would like this issue resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: FC HoldCo LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted this company on multiple occasions informing them that I need verification of the debt or have it removed off of my credit. The item was removed as they were unable to verify the debt with me or the major credit bureaus. They then readded the debt back on after a few months. I've recently contacted them as of XX/XX/2019 in an effort to have the debt removed once again for failure to verify the debt. I sent a certified letter to the company 45 days ago and another one on XX/XX/2019 after not receiving proper verification from the company once again. I have attached a template of the letter 1 that was sent and as of recent letter 2 that was sent for the company to verify.

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