BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2018-04-05
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I was contacted by XXXX XXXX XXXX, I spoke with XXXX about account number XXXX. I explained I was not working and was requesting a verification of this debit via my mailing address. XXXX told me I assure you that we don't mark up our debit, I asked again to get a verification breakdown of the original debit and how much it was bought for, again XXXX said he couldn't do that. I asked to speak to a supervisor and he transferred me over to his boss. I explained to him that I was not working and looking for a breakdown of how much it was bought for as well as the cost it was bought for by midland. The supervisor stated that couldn't be done since they were a third party collection. I proceed to let them know I would be disputing this account with XXXX. After speaking with XXXX I was notified that they couldn't find anything on my credit report and original account was made a XXXX dollar balance and sold for pennies on the dollar. I asked them why then I would be getting a pre legal notice and I was informed that It was a scare tactic or threat to get me to pay it. So I called midland back at the XXXX number, I referenced account # XXXX. I spoke with what I guess would be called a general phone dispatch. I asked to speak with dispute department in the Consumer Support Services department, He said I am not sure what you are referring to. Again I said I want to dispute this bill until I get verification on it. He transferred me to XXXX again who I told me I was willing to settle today for XXXX XXXX since XXXX told me the original amount was XXXX out and bought for pennies on the dollar, as well as a Verification and breakdown of the debit for how much it was bought for and to send verification to my mailing address. He transferred me to his boss who I previously spoke to. I once again explained to him that I wanted verification in writing sent to me and that I am entitled to that, if not provided with that I would be filing a complaint. I also offered to settle for XXXX  XXXX with the information that XXXX had to passed on to me, asked why it was a pre legal notification if it has not hit my credit report yet. The boss stated that's why it's pre legal so we can settle, I offered to settle for XXXX XXXX XXXX   that I had in my pocket after explaining to him I was no longer working. I asked once again for a verification of this debit. I was told no so he asked if I wanted to hear my settlement options I said no I want verification and to dispute this. To contact them I have to call XXXX they are based out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, however they call me from a Arizona number of XXXX. So like I have stated I wanted a breakdown of the whole debit I much the original debit was bought for in a verification letter of the debit sent to my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Keynote Consulting, Inc.
State: IL
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a kohl 's credit card back in XX/XX/XXXX. My information was entered correctly when applying ( I use a form filling application that enters my personal information on websites ). But I was declined for the credit card because my " social security number was incorrect ''. It still resulted in a hard pull on my credit report, which I called capital one and XXXX to try to correct, and capital one stated that they would get it removed from my credit report, which I also received a letter about. This has still not been removed from my XXXX credit report as ofXX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: SYNCHRONY FINANCIAL
State: MD
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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

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 2019-08-25
Company: AMERICAN HONDA FINANCE CORP
State: IL
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:
I took out a new car loan in XX/XX/2019 with Honda Financial.  I got behind on one payment in XX/XX/2019 by a few days on it and they ended up putting a 30 day late on my credit reports. I called and asked them if they would remove the mark on my reports after I paid it as soon as I could after I switched my accounts due to issues with my bank account and having my direct deposit transferred timely with my employer the XXXX XXXX XXXX to my new account. They were rude and refused to do so, even though I have proof from online that they have done it for others in the past. Then they did not even report my XX/XX/XXXX and XX/XX/XXXX payments I made on time after that, showing NA on my credit reports. I contacted the credit bureaus and they contacted them supposedly but still have not fixed all. I was only late on the one payment and expect all other payments to show paid as agreed!! This is what they are showing on my reports and the company information, there is a green check mark over each month ( which did not copy with the information ) for XXXX, XXXX, XXXX, until you get to XX/XX/XXXX, then it says 30 over the XX/XX/XXXX pmt then NA over XXXX and nothing over XX/XX/XXXX which I also have already paid, all payments were made on time, except XX/XX/XXXX so all payment from XX/XX/2019 to today should show a green check mark and paid on time except the one only, they are intentionally not reporting to get back at me and try to make me look bad, it also says customer disputes account, which I have no idea what that is, I disputed how they were reporting. If these companies can not report my information correctly they need to be shut down, they have no business being in business if they can not complete a simple thing like this!!!! Please enforce the laws!!! 

XXXX XXXX Payment Status On Time Amount Past Due  {$0.00} Payment History 1 Late Payment 2019 30 N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} Date Opened XX/XX/2019 Account Type Auto Loan Term 48 Months Min. Monthly Payment {$590.00} Highest Balance {$25000.00} Responsibility Individual Account Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
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: Personal information incorrect

Complaint:
I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute and remove late payments on 2 accounts that are not accurate since XX/XX/2021. Since none of the bureaus responded to me within the 30-45 days they're allotted, I sent a 2nd dispute to them on XX/XX/2021. I'm still waiting, well over the 45 days ; today is XX/XX/2021. This is not okay for a company to completely ignore a consumer the way the bureaus have ignored me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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:
The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/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 2021-02-24
Company: World Omni Financial Corp.
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit thief went to a car dealer in XXXX  Alabama, impersonated me and took out an over {$44000.00} XXXX  under my name, financed it with SE XXXX  Finance DBA OF WOFC ( account # XXXX ) and is not making the monthly payments on it. I complained to the credit companies on another case and found that this company also reported a new account on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I sent a letter to Amsher requesting VALIDATION of the debt that is appearing on my credit report. On today XX/XX/2018 I received a 4 page document from Amsher Compassionate collections that has a 2 page bill from XXXX in the amount of XXXX dated XX/XX/2018 attached along with a letter from them that is dated XX/XX/2018. A bill is not proper validation of the debt and they are not the original owners of the debt. Nor were they able to provide any validation of the debt. 

below is the exact letter verbage sent to amsher. 


This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 
2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

None of the above was provided the only thing that was sent was a bill which is not validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CITIBANK, N.A.
State: FL
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:
I used Citi Visa ( branded COSTCO ) to make a deposit on a XXXX XXXX ( # XXXX sailing XX/XX/XXXX voyage XXXX ). I made this deposit using Citi Visa credit card on XX/XX/XXXX. 
Cruise was cancelled XX/XX/XXXX due to the current Corona crisis. XXXX stated they would refund. Eventually. 
Citi has now stated that my charged deposit was too old and they were out of the time period for Federal Protections for consumers. I should handle it myself. Nice attitude by Citi. 
I have again contacted the XXXX line but get a recording only. Overwhelmed etc per recording. 
Citi has the charge card commission money and XXXX has my money. 
I am the only one holding the bag.

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 2019-08-26
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified that effective XX/XX/XXXX, my escrow payment would increase by {$980.00} due to a projected shortage of {$13000.00}. 
Mr Cooper stated that my beginning balance as of XX/XX/XXXX was XXXX and it need to be at {$10000.00}. 
Mr Cooper had taken over the Mortgage from Seterus as of XX/XX/XXXX. 
They claimed that at the time they assumed the account, my escrow balance was XXXX. 
On XX/XX/XXXX, I communicated with Mr Cooper that I had been paying my Escrow regularly for a long time, and was not aware of any shortages when my account was with Seterus. 
On XX/XX/XXXX, Mr. Cooper corresponded to me : We have reviewed the Seterus Escrow Analysis ( EA ) statements generated in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and each review of determined a shortage of escrow funds. 

However, I saw several issues in their analysis, which I communicated to them on XX/XX/XXXX : XX/XX/XXXX ending balance of {$630000.00} yet next statement shows beginning balance of XXXX. 

XX/XX/XXXX ending balance {$6500.00} yet next statement shows beginning balance of - {$3900.00} XX/XX/XXXX ending balance {$230.00} yet next statement shows beginning balance of - {$1600.00} Between XX/XX/XXXX and XX/XX/XXXX, {$58000.00} was paid in to escrow yet only {$36000.00} was paid out of the escrow account. With an assumed initial balance of $ XXXX, on XX/XX/XXXX my balance should have been {$20000.00} All the Seterus Escrow reports seem to not properly carry the balance forward. 

I also find it difficult to believe that Seterus would have allowed my balance to get so low. 

On XX/XX/XXXX, Mr Cooper replied that they were still investigating this. 

No further communication has been made. 

I have been paying the additional payments as requested, but this is proving to be a financial hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CBC Companies, Inc.
State: MD
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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: I.C. System, Inc.
State: VA
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 XXXX XXXX XXXX XXXX This is from 2017 but seemed a lot longer ago. 
I was given a XXXX/XXXX XXXX to wear and was assured by the office manager that it was fully covered by my insurance company 100 %. 
I took the brace home, never wore it, then received the bill for {$180.00} and that it was not covered by my insurance company. I called XXXX XXXX XXXX XXXX XXXX and spoke to the office manager who said there was nothing she could do. I explained to her that I could not afford to pay {$180.00} and that I would return the XXXX. She refused and I told her I was bringing the XXXX back anyway because they told me it was no charge, I could not afford it & it was not unworn. I returned the brace to their office the next day & they have since refused to take responsibility for their error or acknowledge that I brought the XXXX back.

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