BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Experian Information Solutions 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, The reason for my dispute is : 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, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, 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 failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) 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 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where is in compliance with OHIO LAW. I also have report this 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 account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-12-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect collection on my account. I have my own health insurance for years definitely something wrong with it. And the other two credit report company have been deleted this account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2021-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA XXXX XXXX XXXX XXXX XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: AmeriFirst Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold from Amerifirst Home Mortgage to another bank without any attempt of notifying us before this took place. This created a 25 point drop on both my husband and my credit score. I  spoke to Amerifirst several times in the last 2 weeks prior to this transfer about potentially looking and refinancing our mortgage, however nothing was mentioned about our mortgage being sold in these conversations either. When I spoke to the company about not receiving any notification they stated they mailed a letter in XXXX, however there was not a letter received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Global Lending Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have asked GLOBAL LENDING SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX to show me a original contract with my signiture on it showing the alleged debt that GLOBAL LENDING SERVICES claim that I owe {$15000.00}, and all GLOBAL LENDING SERVICES have provided me are statements to an account that GLOBAL LENDING SERVICES can not prove is mine. 

GLOBAL LENDING SERVICES have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. 


I refuse to pay this alleged debt. Please cease and desist all collection activities I would like for this to be taken off my XXXX, XXXX and XXXX credit reports immediately as of XX/XX/2022!!!. and never to be put on there again. 


15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: DE
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 Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 Accounts that are reporting inaccurate information : XXXX - XXXX XXXX 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 2023-03-08
Company: EQUIFAX, INC.
State: MD
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 to update this suspicious information. 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, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TODAYS DATE : XX/XX/2019ATTENTION DISPUTE DEPARTMENT COMMONWEALTH FINANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCE I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2023-03-17
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-28
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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2021-03-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian continues to manipulate my credit rating. On XX/XX/2021, my XXXX XXXX was " XXXX '' although I have an " Excellent '' credit rating with my creditors. My credit rating decreased by XXXX points on XX/XX/2021, and changed from " Exceptional '' to " Very Good '' for no apparent reason. Experian continues this pattern for no apparent reason.

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Mortgage payments not being reported.

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 2019-08-12
Company: Chrysalis Holdings LLC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to know how New Day Financial ( NewDay USA LLC ) obtained my address and my information. I have registered with the Do Not Mail list, the DMA choice, The Idaho Attorney General, and I have contacted the NewDay USA LLC to stop. I continue to get letters from this organization. I do not want their services, and I would like this to end. NewDay USA LLC will not disclose how they obtained my address, or even how they know I have a mortgage backed by a VA guarantee. I am tired of my private information being sold and bought without my consent. This needs to stop. Next I will be writing a letter to the Senate Banking Chairman Idaho Senator XXXX XXXX. This abuse of information needs to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After giving my Mortgage Company ( Freedom Mortgage ) notice by phone today XX/XX/2023 of an escrow error, Freedom Mortgage is refusing to make any corrections to the error or investigate the error ( per XXXX the supervisor I spoke to ). I initially spoke to an agent by the name of XXXX id # XXXX after making several calls regarding this matter. After explaining to the agent there was an error in the amount of {$230.00} on my escrow account due to an over payment made to my homeowners insurance, the agent seemed confused and not competent in even understanding the issue at hand. I escalated and requested a supervisor and spoke to an agent by the name of XXXX. XXXX blatantly refused to research, request a new escrow analysis, and claimed everything was correct, and there was nothing done wrong. I then attempted to explain to XXXX that two other agents verified there was in fact an error. I also had one of those agents complete a conference call with my insurance company who not only confirmed there was an over payment, but provided a check number for a refund that was issued directly to the mortgage company ( due to overpayment ) and should have been placed in my escrow account. However, XXXX refused to even consider verifying unless he had documents directly from my insurance company ( XXXX XXXX ). He suggested that I should reach out to XXXX XXXX and have those documents sent. Although I explained to him the countless hours I've spent on the phone, the confrence calls that were made, as well as documents that we're faxed. The agent refused to take any action. I'm requesting that this matter is resolved immediately and that the actions of the supervisor XXXX who refused to investigate this matter be addressed. I will also be taken further action if not done so in a timely manner.

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 2023-08-23
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
When to the bank to withdraw money but only XXXX cents wasn't in my account I call immediately to dispute three unauthorized transactions where on my card on two on XX/XX/23 for XXXX $ and XXXX $ and another one on XX/XX/23 for XXXX $ after the call i got message 21 days later saying that there was not enough evidence to prove my case so I sent a police report and thru email because no one is available on phone which is shady also ask what other evidence can I provide to prove my case got the same generic email I'm convinced this company is a scam comdata fintwist this is hard for me because a total of XXXX $ dollars was taken of my card and the company who job it is to protect it wont help get it back even though I the under 21 day which states im am covered by there zero protection policy this is not right please help

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 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Saturday XX/XX/22, I purchased a plane ticket from XXXX, CO to XXXX, GA. I was meant to be in XXXX on XXXX  night and XXXX, and then was due to fly back to XXXX on XXXX. However, I was unable to get to XXXX on XXXX  due to missing my connecting flight in XXXX XXXX because of maintenance issues with the airplane out of XXXX. As soon as I knew I would not get to XXXX, I canceled the flight from XXXX back to XXXX. This was well within the 24 hour cancellation window during which I am automatically awarded a full refund. The company said they would reverse the charges and did not. After attempting to speak with them twice and get them to do so, I contacted capital one, my credit card company, and asked for their help. They reversed the charge, but they did not return the money to my credit line. So I still dont have the money. I would like for this matter to be resolved once and for all. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12
Company: Investment Retrievers, 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not have a business relationship with Investment Retrievers nor have I attempted any business with them but they keep attempting to put hard inquiries on my credit report. They originally placed a hard inquiry on XX/XX/2018 without my permission or knowledge. They attempted another hard inquiry today as an " installment loan inquiry '' and was blocked because I have my credit report frozen. I am not sure why they continue to try to place hard inquiries on my report without a permissible purpose or notice.

Company response to consumer: Closed with explanation