BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

also please remove this account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the accounts from my credit report!

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector also Please send me any signed documents with my signature attached as I have never opened up an account with your company! as I have never signed any application to open up any accounts with your company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Other

Complaint:
XXXX CT XXXX VA XXXX Amazon Prime Store Card XXXX Synchrony Bank Will not report my good payment history to XXXX credit reporting agencies it had been over six months and they still have not re ported my payment history or my correct balance XXXX, FL 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 2019-11-27
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2019, a dispute was sent to Experian for a fraudulent credit inquiry and employment information. Experian responded and although the fraudulent inquiry was removed from the report, the fraudulent employment information still remains.

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 2022-08-30
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing purchased our mortgage when we refinanced on a 10-unit apartment complex my sister and I own. On XX/XX/2022 they made three payments totaling {$1300.00} from our escrow account for insurance that isn't ours. We initially thought it was " lender forced insurance '' because they kept sending us letters stating that they hadn't received proof of insurance even though both we and our agent had repeatedly faxed, emailed, snail mailed and upload proof of insurance multiple times. We recently learned that the payments were sent to an insurance company we don't even use, presumable another account holder 's insurance company. 

Then on XX/XX/2022 Fay Servicing purchased flood insurance from our escrow account for {$2000.00} on our behalf, supposedly because they hadn't received proof of insurance even though both we and our agent had repeatedly faxed, emailed, snail mailed, and upload proof of insurance multiple times. 

The property includes five duplexes and FEMA required a separate policy for each building. So, we have five policies that never lapsed, four at {$50000.00} and one at {$55000.00}, which is {$5000.00} more than the {$250000.00} of coverage that Fay Servicing requires for the property. But, they only recognize the policy for one of the buildings, which has the XXXXame street address as the entire property. We have repeatedly emailed, snail-mailed, and uploaded documentation showing that the five policies are all for the same property. I have spent hours on the phone speaking with their representatives, explaining the situation, and trying to resolve it. Each time the representative I speak with seems to understand the issues and promises to correct them but they never do. I spoke with an agent again two weeks ago and was told he would get back to me within a week but that didn't happen. They won't let me talk to anyone in the insurance department, where there is probably someone that could understand and resolve the issues. 

It looks like we are going to have to go through Small Claims Court to resolve this, which will also be time-consuming. I've read a number of reviews for Fay Servicing and many complain of similar issues as ours. It's no wonder they have a one-star rating on XXXX, it would be zero-stars if that was an option. It seems that Fay Servicing spends much more time answering complaints to the XXXX CFPB, state insurance commissions and attorney generals, etc. than it would take to resolve the issues. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: UT
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:
EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INC. IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, # XXXX XXXX ON OR ABOUT XXXX XXXX. XXXX 
# XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: CBC Companies, Inc.
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: Information belongs to someone else

Complaint:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have opted out of receiving credit card offers with all of the credit agencies, yet I continue to receive offers in the mail from  Capital One . I do NOT and have NEVER done business with them.     I have called them and asked them to stop yet I still receive offers almost weekly. I want it to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX and Experian Is reporting incorrect information on my credit report. Please investigate immediately..The law was set in place to protect improper use of my credit and I am holding Experian and upgrade responsible.. 
1 no written authorization for my personal information on the credit report 2 The right of privacy by law which they broke after several dispute 3 I want justice this information was sent to all XXXX XXXX and Experian

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 2020-06-22
Company: DataMax Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have XXXX. All medical bills are paid through them. But yet I have a collection from DATAMAX. I didnt give anyone the right to look at my medical records. I would like this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: UT
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:
EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INCXXXX IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, # XXXX XXXX  ON OR ABOUT XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received communication at my location information from BRIDGECRESTXXXX XXXX XXXX, an unknown third-party debt collector, that had a name that is not legally mines however had my property listed in the communication. The communication had language was obscene and threatening to me. Language threatening to steal my automobile if I did not pay them. These threats and demands caused me immediate XXXX and concern as I have no contract with BRIDGECREST/XXXX XXXX XXXX, nor have I had any communication with BRIDGECREST/XXXX XXXX XXXX to give them consent to have my nonpublic personal information. BRIDGECREST/XXXX XXXX XXXX has used my nonpublic personal information to commit identity theft to create a debt in a name that is not legally mines. BRIDGECREST/XXXX  XXXX XXXX has committed fraud in an attempt to collect on an alleged debt for which I do not owe. These actions have caused me to be anxious and distraught. BRIDGECREST/XXXXXXXX  XXXX XXXX has illegally furnished this fraudulent account to my consumer reports. This inaccurate information is weighing against my credit standing, credit worthiness, credit capacity, character and reputation. These willful intentional acts are criminal in its means. I have filed a police report with my local police department, XXXX XXXX XXXX Department Report # XXXX and with the Federal Trade Commission Report # XXXX. BRIDGECREST/XXXX  XXXX XXXX has violated several federally protected consumer credit protection laws under title 15 chapter 41 and several federally protected crimes and procedures laws under title 18. On XX/XX/XXXX I mailed BRIDGECREST/XXXX XXXX XXXX an affidavit of truth with exhibits verified under the penalty of perjury, a cease and desist demanding all communication to cease, a debt validation letter pursuant to 15 USC 1692g and an invoice for all damages and actual damages they have caused. I also included a copy of my police report filed with my local law enforcement agency and a copy of the identity theft report I filed with the FTC. I have attached a copies of all the documents that was sent along with a copy of the mail receipt.

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 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived at this address : XXXX XXXX, IL XXXX Kindly remove it from 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 non-monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
last XX/XX/XXXX i noticed 2 credit inquires, XXXX XXXX and XXXX XX/XX/XXXX. i immediately called both of them, told them that i never applied to either of them. after they both reserched the accounts, they both concluded that someone fraududently tried to open an account. they both said that they would send a letter to transunion to get it deleted off my credit report. i also requested that letter to be sent to me.they said that they would. they also said it would take30-60 days for the deletion. i said o.k., long as it is done. 3.5 months later, there is still no deletion. i called them back again to find out whats going on. they said they sent the letters to transunion. transunion told me, no such letter has shown up regarding any deletion. i asked them to send it again. they both said that they will. transunion said that they never got letter, nor did the send me the letter as i requested. to date XX/XX/XXXX i have contacted both again3 or 4 more times about this. no letter has shown up at my residence or transunion. every time i asked them to mail me and transunion, they always said they would. and as allways no letter is sent. i'm just trying to get false info off my credit report. i have worked hard rebuilding my credit, up XXXX points in a year now up XXXX points to date. please help me get this false info off my credit report. XXXX XXXX XXXX XXXX XXXX phone numbers. my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my phone number is XXXX my email is 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 2017-04-11
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Also, I did dispite this I have no contract with them and they will not send a written repayment aggreement. This need to be removed from my credit since I can not repay them If they will not do it in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
EQUIFAX : XXXX XXXX XXXX XXXX fraud not mines never had account with them, balance {$43.00}XXXX XXXX XXXX {$47000.00}, XXXX XXXX XXXX XXXX {$0.00} closed, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX balance {$59.00}, XXXX balance {$76.00}, XXXX balance ( closed, XXXX XXXX ( closed ) In the description i have listed all of the fraudulant open /closed accounts and inquaries that are not mines they all need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: CITIBANK, N.A.
State: NV
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/2020, sent them a letter to provide me with factual evidence that I have any legal obligation to pay the debt and provide me all the proper documentation I need. listed in the letter attached here but I never receive any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a truck on XX/XX/XXXX. I reviewed the loan application submitted and it clearly states that my mailing address is XXXX XXXX XXXX in XXXX NY XXXX. We received all written paperwork from GM at that address through XX/XX/XXXX. 
A repossession took place on XX/XX/XXXX, I contacted GM on that date to clear this matter. I asked why the repossession had occurred. I was told that payments were late and all mail concerning the late payments had been returned to GM. I told the representative that we did not receive any correspondence and asked what address had the notices been sent to. I was told XXXX XXXX XXXX. I asked why the address was changed from XXXX, she said someone must have changed it. I asked her to review her records and tell me who and when was this change authorized. She said she couldnt tell, maybe the post office changed it. At that point I decided not to pursue with customer service, my main concern was to just get the truck back. I would contact GM Financial later. 
I have also contacted their customer service department two more times, XX/XX/XXXX and XX/XX/XXXX notifying them that I have not received my monthly billing statement. The second time I was told the switch had been turned off, she would correct and I would start to receive again. I have not received this either. Prior to XX/XX/XXXX I received the billing statement each month. 
I did contact GM Financial on XX/XX/XXXX. To date I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report ASAP. Thank you. 
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 2017-06-15
Company: Pacific Union Financial, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Was denied an fha mortgage for a dismissed chapter  XXXX  bankruptcy from    XXXX    2009    and met all other requirements. Our loan processor   XXXX   XXXX   from  pacific union fina ncial llc was absolutely horrible no communication left important information out when sending to underwriting and ultimately probably cost us our home purchase that will end up keeping my wife 's elderly father in a  XXXX    XXXX   instead of living with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: CO
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  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2400.00} on the XXXXXXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2017-06-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE. EQUIFAX HAS ALREADY CORRECTED AND DELETED.  XXXX  AND  XXXX  HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM  XXXX  AND  XXXX . AND   XXXX   XXXX   FROM EQUIFAX

Company response to consumer: Closed with explanation