BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Bread Financial Holdings, Inc.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: SYNCHRONY FINANCIAL
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID 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 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
TransUnion has refused to correct entries in my credit report incorrectly stating that my XXXX XXXX MasterCard ( Account Number beginning XXXX XXXX XXXX ) is an " Adverse Account, '' with a " Maximum Delinquency of 30 days in XX/XX/XXXX. '' I had no such delinquency. I fully documented this fact in my original Complaint with the CFPB ( XXXX, directed to XXXX, and XXXX directed to TransUnion ). XXXX, after its investigation of my Complaint, acknowledged there was no delinquency. In its letter dated XX/XX/XXXX ( attached ), it stated the bank " asked the credit reporting agencies to remove the delinquency dated XX/XX/XXXX from [ my ] credit report. '' However, TransUnions letter dated XX/XX/XXXX ( attached ) responded in perfunctory, fill-in-the-blank standardized language, " The disputed item ( s ) was verified as accurate '' ( page 4 of 5 ). The credit reporting bureau refused to accept the results of the investigation by XXXX, the creditor here. XXXX is the sole source of information about whether or not a delinquency occurred in XX/XX/XXXX. TransUnion would have no information about this matter independently of XXXX XXXX records. XXXX concluded no delinquency occurred. Both TransUnion and XXXX are bound by XXXX 's representation. Indeed, no delinquency occurred and this improper refusal by TransUnion motivates this new Complaint and possible further legal action based on principles of estoppel. I respectfully request that the incorrect entries in my TransUnion report be corrected to show I have no delinquency for the account in question. TransUnion is the only credit reporting bureau to have made this reporting error. When it is removed from my report, my perfect credit payment history will thereby be restored.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXXt Account XXXX ( XXXX 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 an 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 2020-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One Bank ( USA ) has sold debt to XXXX XXXX XXXX on XX/XX/XXXX. This is the 3rd or 4th time Capitol One has sold this same debt. 

I have sent XXXX XXXX XXXX a DEBT VALIDATION REQUEST on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). it was sent certified mail receipt # XXXX. XXXX XXXX XXXX has continued to call me from numerous out of state phone numbers. 

PRIOR to this, I was contacted by a debt collector about this debt - a debt which is owned by XXXX XXXX XXXX. This OTHER debt collector is named XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX Ohio, XXXX. I ALSO sent a DEBT VALIDATION REQUEST to XXXX XXXX on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). XXXX XXXX DID NOT RESPOND to this debt validation request whatsoever. 

Instead, XXXX contracted to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Utah XXXX. I ALSO SENT A DEBT VALIDATION REQUEST TO XXXX XXXX XXXX on XX/XX/XXXX by certified mail pursuant 15 USC 1692g Sec. 809 ( b ). XXXX XXXX XXXX did not respond in writing. Instead, XXXX XXXX XXXX sent a CD which was not readable and in DID NOT COMPORT to a written response to validate the debt pursuant 15 USC 1692g Sec. 809 ( d ). 

This debt is owed by XXXX XXXX XXXX  - yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) continues to make unwanted contact after being requested in writing on XX/XX/XXXX to both CEASE CONTACT and VALIDATE A DEBT pursuant the legal statutory USC of the FDCPA. 

Today is XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX attempted to serve a summons at my home address DESPITE NO LEGAL OR LEGITIMATE CLAIM FOR DEBT COLLECTION ON BEHALF OF XXXX XXXX. Further, XXXX XXXX XXXX XXXX XXXX has both inflated the value of the debt, refused to comply with a XX/XX/XXXX written request under the FDCPA to validate the debt and prove they are the owners of the debt on behalf of Capital One Bank. 

I did not accept the service of the " SUMMONS '' at my residence. Instead, I witnessed the process server go to my neighbor 's house and tell them I owed a debt before the process server left the summons on my doorstep- invalidating the process. 

MY COMPLAINT : XXXX XXXX XXXX XXXX XXXX is initiating legal service to collect a debt that is not owned by XXXX XXXX XXXX and which there is no obligation. XXXX XXXX XXXX XXXX XXXX refused to validate the debt and continued to make contact -has improperly and illegally filed a summons for a debt owed by XXXX  XXXX XXXX XXXX 

This is harassment and an abuse of process to deliver a summons to collect a debt that is not owned or serviceable by XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX client, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was never contacted and told that I owed {$520.00} to the city of XXXX for utility services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Southwest Recovery Services, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2020-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX : I received a check from a mystery shopper company. I went to a Bank Of America branch location and deposited the check. The manager advised me to call BOA a day or two later to confirm the check is valid and the funds deposited before withdrawing the money. 
XX/XX/XXXX : I checked my BOA account. I saw the funds were deposited as a counter-credit. I contacted BOA over the phone. I asked the representative to clearly tell me if the check was verified and cleared by the clearinghouse. The BOA rep told me it had been, and told me I could withdraw the funds without worry. I withdrew the funds. 
XX/XX/XXXX : BOA withdrew the counter-credit, claimed it is a fraudulent check. The mystery shopper company is not responding to me. Had the BOA rep not given me false information, I would not have withdrawn the check. Due to her faulty representation of BOA check verification process, I have now lost {$2000.00}. I contacted BOA to remedy the situation but to no avail. 
As a customer, I do not have inside knowledge on the check clearing process. I am left to rely on information BOA reps tell me. When that information is false, the consequences can be very detrimental.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
I recently received a copy of all three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-08-09
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance has been escrowed with my morgage since I purchased my condo back in 2015. Rocket mortgage took over servicing or bought my mortgage from XXXX in the last year and did not escrow my homeowners insururance which lapsed for non payment. I am in the process of getting the insurance coverage back in place but a new policy must be issued which will be a higher rate due to cancellation/lapse in coverage. In my opinion Rocket mortgage is at fault here and responsible for this lapse and I have never had to pay directly to the insurance company since it has always been escrowed. Reaching out to Rocket mortgage has been useless so far. Their staff specifically XXXX is very rude and zero help. Explained she has a boss but her bosses do not take phone calls from customer or return calls to customers. Something has to be done where a company drops your escrow without your permission and does nothing to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Report : # XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX : # XXXX To Experian XXXX. XXXX XXXX XXXX, TX XXXX Soc : # XXXX XXXX XXXX Driver Lic : # XXXX Phone : # XXXX My name is XXXX XXXX XXXX, and. I resign at a bow address. I request my Credit Report last month and I apply a credit free. 
I would like to know the cost to get my Credit History and my Credit Score whether by email or by regular mail. From the CFPB as soon  as possible. 
Im requesting my Credit History and Credit score from between XXXX through XXXX. 
I saw a lot of unfamiliar activity on my Credit Report that Im disputing and requesting removal. 

I am writing to dispute all of the following Information that appears on my Experian report. 

1 : XXXX  : Acc # XXXX Ive no recollection and I got no bill in the mail. 
2 : # XXXX : Acc # XXXX Ive no recollection and I got no bill in the mail 3 : # DIVER : Acc # XXXX XXXX Disputing the Red C. I owe XXXX nothing. 
4 : # XXXX// Acc : # XXXX XXXX No recollection never got a bill in the mail 5 : # XXXX XXXX XXXX # XXXX XXXX Acc : # XXXX. Disputing the Red I had no affiliation with any of these accounts or recognize the accounts in question A : # XXXX/XXXX Acc # XXXX B : # XXXX XXXX Acc #  XXXX C : # XXXX/XXXX  Acc # XXXX D : # XXXX/XXXX   Acc # XXXX XXXX : # XXXX/XXXX Acc # XXXX XXXX : # XXXX Acc # XXXX Enclose copies of Soc and Driver LIC Sincerely your 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 2018-01-16
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Mr. Cooper formerly none as Nationstar Mortgage. I frequently send in money towards my principal balance on my mortgage. On XX/XX/XXXX, I sent in a check marked specifically to go towards my principal in the amount of {$1700.00}. 
The check was posted as a regular payment. The regular payment is on Auto Pay and it is posted every month from the banking account. I have contacted Mr. Cooper several times starting XX/XX/XXXX when I got a statement showing they put the money as a mortgage payment. Spoke with XXXX, she said it would be corrected in 24 hours. It was not. Next, I spoke with XXXX, I was told it was denied when the request was put in because the regular payment had not come in through the auto draft. On XX/XX/XXXX, I spoke with XXXX, she said it was denied again. I asked to speak with a manager and XXXX with Account Services came on the phone. She said she would personally handle the situation and gave me her personal number XXXX and asked me to call her on the XX/XX/XXXXafter the auto payment had posted. TheXX/XX/XXXX being a holiday, I called her on the XX/XX/XXXX at XXXX. No one answered the phone nor did a recording came on. All the numbers I have called for Mr. Cooper, No answer. After going through all the prompts I have been on hold for 30 min, then a recording say do to weather this number is not set up to receive calls. XXXX, this is the number on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
GM Financial sent me an offer email on XXXX after I sent them a Cease and desist letter previously. Also on my credit reports they stated that I owed {$15000.00} then {$12000.00}, then {$900.00} and now its {$4000.00}. They have been stating inaccurate information on my credit reports for months. This is unacceptable. I would like this account removed immediately from all credit bureaus. I also requested these documents and none have been sent to me. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received by regular USPS mail today, XX/XX/2023, a letter from my loan servicing company, Specialized Loan Servicing, a part of XXXX XXXX, located in XXXX, Colorado a notification of escrow shortage on my escrow account. 

Notice includes increasing my monthly mortgage payment {$150.00} per month from {$1500.00} to {$1700.00}, effective XX/XX/2023. Total shortage amount is {$1800.00}. 

I am a senior citizen who purchased this home less than a year ago. I am struggling in the present financial climate to make my current mortgage payments, although I have not missed a payment OR been late. My salary at work has been recently cut by over {$10000.00} per year. My fear is inability to keep mortgage payments current, and possible. foreclosure. 

I feel this is an unreasonable and unfair expectation with ridiculous short notice.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act in regards to Account # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX has violated my rights in regards to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 ( a ) ( d ) ( 1 ) ( 2 ) States : Definitions and exclusions.

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 2019-11-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
SUNTRUST reported on my credit report. I realized that this account is not mine. I tried contacting XXXX   and SUNTRUST with no successful resolution. There was definitely an error on their part. I have never applied for this account.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more 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