BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( Transunion, XXXX, and XXXX ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX   ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) XXXX. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXXSATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX HAS TAKEN PLACE. 

IN ADDITION, XXXX XXXX XXXX, XXXX XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the 30th of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX, XXXX-Saturday ). 

THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX ) AND XXXX. TRANSUNION IS REPORTING A CREDIT SCORE OF XXXX. 

This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} XXXX XXXX XXXX. 

Sincerely and Respectfully, 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 2021-07-06
Company: Experian Information Solutions Inc.
State: MS
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:
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2022-08-26
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: FC HoldCo LLC
State: VA
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 recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.

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 2022-08-26
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:
I send mails to Equifax on XX/XX/XXXX up on some unauthorizes inquiries and no action have be taken i would love for the following inquiries to delete. 
Please delete these inquiries. 
XXXX XXXX ( XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-08-26
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a phone call from XXXX after XXXX XXXX  on XX/XX/XXXX, not on my personal phone but my work phone. A lady asked if I was said name, XXXX XXXX, speaking, I said yes. She directed me to call this number on a case pertaining to myself. I asked from whom. She would not tell me. I asked again who am I dealing with. She never said her name and just stated that it was from XXXX XXXX. She then wanted to find out if I was going to be home. I said no, that I am leaving for work. She became upset and stated that we are about to serve you pertaining to this case so someone has to be there. I said well, I will be here this afternoon. Still in disbelief and no clue what this is about. She raised her voice and said that there is a lien on your house once served. She gave this number to call, XXXX. A male answered with no representation of who or where he was calling from. Questioned if I was XXXX XXXX, I said yes, and he said you are about to be served. I asked the male well who is. He said GM Financial. I told him that I have never dealt with GM financial. He stated that if this is not settled that it will be placed on my credit report. I said, I'm looking at my report through XXXX XXXX and i don't have any or have had that company much less associated with GM financial. He also stated that back in XXXX, they had sent paperwork. I said well if you sent it, we didn't get them. And what does that mean to you. I kept repeating myself. I have never dealt with any GM Financial. Which is funny cause we only have one car and it's through a different company. These individuals have violated all aspects of trying to use scare tactics and threatening to serve or sue. I don't appreciate someone calling my work phone and say what you will. By the way, the male individual hung up on me. That goes to show you how unprofessional and ignorant they are especially if they work for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX   XXXX   XXXX    Has  not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: EQUIFAX, INC.
State: LA
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 contacted the credit bureau equifax concerning an account with  XXXX  loans for  XXXX  which i sent certified asking them to verify the accuracy of this claim and as of  XXXX   XXXX ,2017 i havent heard back from them i sent this request letter certified since  XXXX    XXXX ,2017  and has never been disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: U.S. BANCORP
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was registered with delinquent with credit bureau. In XXXX of 2022 I went into a six-month forbearance with U.S. Bank Home mortgage XXXX U.S. Bank is the lender. At the end of the forbearance I was told that the total six month amount was due and is considered past due. I argued that this is not what I agreed to. I was immediately put on a flex plan and told I could pay my regular mortgage amount. However U.S. Bank reported this to the credit bureau as delinquent. 


COVID-19 : Is HUD suspending credit reporting for FHA-Insured mortgages on a COVID-19 Forbearance? 
Any Borrower who is granted a COVID-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purposes of credit reporting. 

FHA requires Mortgagees to comply with the credit reporting requirements of the Fair Credit Reporting Act ( FCRA ) ; however, FHA encourages Mortgagees to consider the impacts of the COVID-19 pandemic on Borrowers financial situations and any flexibilities a Mortgagee may have under the FCRA when taking any negative credit reporting actions.

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 2021-07-06
Company: OneMain Finance Corporation
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 have sent out a letter to ONEMAIN FINANCIAL concerning my credit report. Due to suspicious activity on my credit report. I simply asked ONEMAIN FINANCIAL to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, my transaction has been debited through capital one a/c, through XXXX on XXXX XX/XX/XXXX of XXXX $ and on XXXX XX/XX/XXXX XXXX which was not done by me after that I reported to bank about this, first bank says they go as refunded temporarily credit, but after that XXXX, they send email and denied my dispute .thats y I m writing this complaint to you guys so at least you can help me, the claim id number of bank which is send by them is # XXXX and second 1 is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing XXXX  anguish and XXXX due to how I am being perceived due to these negative items.

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 2022-08-26
Company: LoanCare, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told the XXXX, XXXX and equifax to reinvestigate these accounts # XXXX however, they stated that everything was complete and accurate.But how is that possible if the open date, date of last activity and much more is incorrect.according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 15 U.S.C. 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. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX statement from Bank of America included three charges I did not make all to the same XXXX. XX/XX/XXXX for {$1800.00}, XX/XX/XXXX for {$20.00} and XXXX for {$5200.00}. I consulted them and they took the information. That was XX/XX/XXXX. XX/XX/XXXX I received a letter saying these activities are consistent with my normal activities. I have never used this company before! They added the amounts back on my account and asked for payment. 

I contacted the phone number on the transaction for XXXX on the transaction XXXX only to get a recording and no one to talk to. When I needed the call the note at the top of my phone said fraud XXXX. 

I also found out that Bank of America has a XXXX liability policy. I want the charges removed from my bill

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 2019-06-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment is slowly increasing on a yearly basis and the reasoning is taxes increase and homeowners insurance. The homeowner issue has been resolved but the tax issue has not. I spoke to the tax assessor office and they stated that my taxes had not increased if so it would have only been for {$50.00} and that was last year. My payment started at XXXX, now it is XXXX approx. I have been requested to send yearly checks for shortage as well in the escrow account according to 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 2022-07-17
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX CO/CA pulled my credit report without my signature authorization on : XX/XX/2021 I fully expect this to be removed from the 3 main credit reporting agencies of XXXX, XXXX, and Experian immediately. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: EQUIFAX, 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:
HELLO MY NAME IS XXXX XXXX AND I HAVE BEEN TRYING TO DISPUTE UNVERFIED ACCOUNT WITH EQUIFAX FOR THE LAST YEAR, I SEND OUT FCRA SECTION 609 LETTERS AND EACH ROUND IS MORE DETAILED WITH THE FCRA LAWS I SENT THE LETTERS CERTIFIED I TYPE AND HAND WRITE THE ACCOUNTS AND ACCOUNT NUMBER IN BLUE PEN I ALSO ATTACH A NOTARIZED LETTER OF ACKNOWLEDGMENT WITH PHOTO COPY OF MY ID AND SS CARD IN COLOR. SO HERE IS THE TWIST IF YOU EVER SENT A DISPUTE LETTER AND PROOF OF WHO YOU ARE CLEAR AND IN COLOR AND YOU GET A LETTER BACK FROM EQUIFAX SAYING THEY NEED MORE INFO TO VERIFY WHO YOU ARE ... ..WELL I JUST FOUND OUT THROUGH EQUFIAX REP ASKING WHY THEY HAVENT SEND ME BACK IN THE LAST YEAR OF MY DISPUTE LETTER THEY RESPONED SAYING MY NOTARIZED DOCUMANT IS NOT A CLEAR IMAGE BECAUSE ITS IN BLACK AND WHITE ... .YA LOL I KNOW BLACK AND WHITE???? I ALWAYS SEND MY DOCUMANTS IN COLOR AND I HAVE VALID PROOF SO LONG STORY SHORT WATCH OUT THESE CLOWNS ARE DOING SHADY STUFF TAMPERING WITH ORIGINAL SEALED DOCUMANTS AND FAILURE TO COMPLY WITH FCRA SECTION609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Section 611 ( 5 ) ( A ) of the FCRA Section 616 & 617 I ALSO HAVE SENT CERTIFIED DEBT VALIDATION LETTERS TO COLLECTION COMPANY XXXX XXXX XXXX AND RECIEVED NO RESPONSE.

Company response to consumer: Closed with explanation